Concordia Krankenversicherung: Leading Provider of Health Insurance in Germany


Essential Information for Foreigners About Health Insurance in Germany



As part of our commitment to the international community, The Eye Newspapers (owners of The Germany Eye and The Munich Eye) have partnered with Concordia Krankenversicherung to offer exclusive deals for foreigners seeking health insurance in Germany. Concordia is a renowned provider of German private health insurance, recognized for its exceptional coverage, outstanding customer service, and deep expertise in serving expatriates and internationals. Whether you're looking for private health insurance in Germany for yourself or your family, Concordia makes the process easy and hassle-free, offering expert guidance and English-language support throughout your journey.
It is a legal requirement in Germany to have health insurance. Whether you opt for private health insurance or public health insurance, all residents must ensure they are insured through an accredited German insurance provider.
The Eye Newspapers are working closely with Concordia to streamline the application and service process, ensuring that expatriates enjoy a user-friendly experience. We continuously value customer feedback to improve the experience for our readers and clients.

How Does Health Insurance Work in Germany?

In Germany, health insurance is mandatory for all residents. You must choose between two primary types of coverage, offered by over 100 insurance providers (Krankenkassen in German). These are:

The first is Public Health Insurance (Gesetzliche Krankenversicherung, GKV), which covers basic healthcare needs for all residents and is available to those earning below a certain threshold.

The second option is Private Health Insurance (Private Krankenversicherung, PKV), available to those who earn more than 69,300 Euros per year (as of 2024). If your income is below this threshold, you will be required to opt for GKV, though there are exceptions in certain cases.

So, what makes Private Health Insurance in Germany different from Public Health Insurance? The main differences include:
  • Eligibility for Private Health Insurance is determined primarily by income. If you earn more than 69,300 Euros annually, you qualify for PKV, which offers more extensive coverage and faster access to medical care.
  • Private health insurance provides higher quality service, including access to specialists, advanced medications, and private hospital rooms.
  • Some doctors and hospitals only accept patients with PKV, ensuring you receive timely and specialized care when required.
  • Although Private Health Insurance can appear more expensive initially, the difference in cost may be minimal compared to GKV, especially depending on your income and age.
However, there are some downsides to PKV:
  • Premiums for private health insurance may rise with age or declining health due to increasing medical needs.
  • You may need to pay for medical services upfront and claim reimbursement from your insurer, which is often in German (though Concordia offers English-language support for such procedures).
  • Family members or dependents are not automatically included under Private Health Insurance unless specifically covered in the policy.
  • Some doctors may recommend additional treatments or medications because private insurance providers like Concordia cover a wider range of treatments.
Public Health Insurance (GKV) is a better choice for families, especially if you are married to a non-working spouse or have children. Under GKV, dependents can be covered at no extra cost. GKV typically costs 14.6% of your annual income, with your employer contributing half of the cost. However, if you opt for Private Health Insurance in Germany, your employer also contributes half of your premiums.
Not all doctors or hospitals participate in the GKV network, so it is crucial to check with your provider before receiving treatment. Both private and public health insurance cover medical treatments abroad, but PKV generally offers broader international coverage.

What Happens Next?

To learn more about your health insurance options, explore the articles on this page about German private health insurance and public health insurance. These resources provide valuable insights and will help you make an informed decision. Consider the following questions before choosing your coverage:
  • Do I have dependents, and will they be covered under my insurance plan?
  • Do I prefer more privacy in hospital settings (PKV typically offers more private rooms)?
  • Do I require English-language customer support or assistance from English-speaking doctors (PKV plans often offer this)?
  • Am I planning to start a family soon, or do I have a non-working partner to consider?
  • Do I earn more than the annual salary threshold to qualify for Private Health Insurance?
Once you've answered these questions, you can confidently choose the health insurance plan that best suits your needs. To get personalized advice or a quote from Concordia Krankenversicherung, simply fill out the form below. The Eye Newspapers are here to assist you every step of the way, ensuring that you receive the best possible coverage in English. Our partners, including Concordia, have streamlined the application process to make it quick and simple for expatriates in Germany, ensuring you receive the necessary care with minimal effort.

History of Concordia Krankenversicherung

Founded in 1921, Concordia Krankenversicherung has a long and prestigious history in the German health insurance market. Originally established to provide high-quality insurance products to a growing population, Concordia quickly earned a reputation for reliability and customer-centric services. Over the years, the company has grown to become one of the leading providers of private health insurance in Germany. Concordia’s commitment to providing comprehensive health coverage has remained steadfast, adapting to the ever-changing needs of the healthcare industry and offering innovative solutions. The company has consistently focused on developing flexible policies that cater to the diverse needs of individuals, families, and expatriates. In recent years, Concordia has significantly expanded its services for international customers, ensuring that expatriates and foreign workers in Germany receive the same excellent care and support as German residents. Today, Concordia Krankenversicherung continues to be a leading force in the German private health insurance market. Its focus on customer service, financial stability, and comprehensive coverage has solidified its position as a trusted partner for both residents and expatriates in Germany. With a long track record of providing dependable and comprehensive insurance solutions, Concordia has earned the trust of thousands of policyholders, making it an ideal choice for anyone seeking private health insurance in Germany.



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