Hello Everyone. Check out this new channel - www.youtube.com/@bongingermany which is solely focused on various informative videos about Germany. Jobs, study and life in Germany.
I tried to share my experiences and solutions. If you have any queries or suggestions, you are most welcome to mention that here in the comments or get in touch with me on instagram - instagram.com/bong.journals Also, I have given the link to dr walter insurance and expatrio services, in the description of this video.
Thank you so much for this video. I am 30 and I am in the same situation and today i was planning to go to DAK for direct enquiry. I alrdy have insurance from private insurance MAWISTA. But I heard some parttime jobs will not accept this insurance. That's y I thought of public insurance.
Hello bro, first of all thanks a lot for your video. I have myself researched endlessly and found the same info but your video solidified it for me, so great job. Just one question from my end: When we have a private health insurance (MAWISTA for me), is there something like in future if we want to switch insurance companies, they wont insure us because we are on a travel insurance. Would appreciate if you can clarify this. Thanks in advance!
It is a document / notice about your insurance status that the university gets directly from the health insurance provider. Talk to your insurance provider about this
I completed 30 during my studies and still student. TK deducted 1600 euro from my account after calculating contribution over my part time salary and saying that i have to pay 340 euro per month. This is huge amount for me and now I am not understanding what to do. Please give me suggestion.
This happens when you do not convert your public to private as soon as you turn 30. The insurance companies exploit this, and charge huge premiums. The first thing is immediately switch to private like Dr. Walter or similar. Secondly, go to tk office and speak to them. If they consider and do a refund you should be lucky.
Thank you for information. I am taking health insurance from Dr Walter from expatrio. But there ia no travel insurance option there. Do i need s separate travel insurance from Expatrio again?
Do I need German IBAN and German home address to proceed for my private health insurance. I am filling a form for a specific private health insurance provider in which they are demanding these things, which I dont have right now, what to do?
If you are applying for insurance from outside of Germany, then I guess it’s simply a travel insurance and you don’t need all those. If you are already in Germany and applying insurance- you should already have an address right? Bank account also you need to make soon.
I am above 30, lots of question but no one answered. this video really helped me. Questions, is there any issue getting part time job with private insurance? Can I get only the health insurance for university enrolment purpose with Dr Walt? or do I have to take them with the package includes blocked account service?
Hello and thanks for your comment. If you get a part time job, there is a chance that your employer might ask for a statutory insurance number, because that is required for the employer to file tax documents (if applicable) . However, usually student jobs are not in the taxable range, so your tax number would still be generated while having a private insurance. I had the same situation as mentioned in the video. My employer asked for public insurance documents. In that case, get a formal written document from the respective public insurance company (TK or AOK, etc.) that public insurance is not possible for you. Since you are above 30. The companies will happily provide you with the document. THERE IS ABSOLUTELY NO ISSUE WITH PRIVATE INSURANCE AND PART TIME JOBS, I did it myself for about 1 year. Second - Your university accepts any insurance document that you supply, provided the insurance covers you during your period of study. So public private anything. Yes, DRWalter also works. I am still using the same. Third - you can take the insurance separately or as a package. Doesn’t matter. But I recommend doing as a package
Could you tell me if dr Walter is could if i need to get insurance covering dental treatment for exam wisdom teeth removal surgery. I want to know if they pay full payment of dental treatment also for other normal dr treatment as i heard private insurance only pay for emergency health issue treatment. I tried to research on my on own but i am still confuse and don’t understand all clearly. It will be helpful if u could give sone suggestion since you are already register with dr walter. I want insurance not only for the visa purpose but i need to see the dr for certain medical condition but im afraid to go to dr on some random cheap insurance as they might not pay the bills.please guide
Thanks. I have been using Educare for about 3 years now. I didn’t face any issue as such. However, I have thankfully never required to use my insurance for anything. So that part I won’t be able to confirm. 🙂
But while applying for part time job they asking for social security number. And the private insurance company won't provide that? What should I do for that?
You can apply for a tax number with your private insurance as well (I did it as well). But your employer has to do it for you. You will have to explain to your employer that public insurance is not possible for students above 30. If required, get a statement from TK or AOK that this is not possible and give it to your employer.
I'm student, 30 years old and I'm only eligible for the privet health insurance in Germany. I want to know is it possible to do the part time jobs with privet health insurance...? Many people say you need to have a public health insurance to do the part time jobs in Germany...!
It is possible. I did it myself. You must get a certificate from the insurance company which says that public insurance is not possible for you. Because of your age. Submit that to your employer
@@SumiSukumari it’s not a certificate. You have to request them to give them in writing that for 30+ year olds they cannot provide public insurance. Tell them that I need to show it to my employer
@@bongjournals i have to submit online form? I am applying for my first job and my employer asked me about my insurance card and social security number. So i can share an insurance certificate as I don't have a card right? And what about social security number?
@@MuhammadSaleem-e5e check the new video here in comments. I have shared all details. Social security number you will get when your city registration is complete
Hi! I have a question related to confirmation of exemption from statutory health company (TK, AOK, etc). My university has asked me for this as compulsory for enrolment process, but I am not yet in Germany to activate my travel insurance. Do I submit the same travel insurance document? Or is there any way around?
University enrollment should be possible just by your travel insurance document. Once you are in Germany, and if you are above 30 and public insurance is not possible - you can get in touch with any of the public insurance providers and ask them to provide a letter saying public insurance is not possible for you.
@@bongjournals I have Dr Walter’s Educare24, but they have just provided me travel insurance documents with and without dates. Is that sufficient to email the public insurance providers for exemption? Since they will be checking if my private insurance is valid and correct.
@@tabindakazmi2774 public insurance providers won't ask for your private insurance details. Also, Dr. Walter provides a document where the travel insurance starts from your date of travel, and another document that starts with your arrival in germany
Bro, I am 30 but I am surprised expatrio health insurance showong me It is showing 154Euro dr walter.do you know why it is showing very high? or they increased? Assist me plz bro
Hi. I just have a question about the package of expatrio with health insurance. As you mention that health insurance is needef for applying visa. Once my visa is approved and then i come to germany, is the health insurance that I bought from Expatrio is good enough as an insurance through out my study period or do I have to buy again another private insurance (since Im above 30)? Thanks!
With a small premium amount, honestly very less medical procedure are covered under insurance . You don’t need to take another insurance, since this is a private insurance, you can increase the premium amount to extend the coverage. But it can only be extended upto a certain limit. So basically, you need to stay healthy and try to not avail medical services if possible. There’s no alternative
hai, from Dr. Walter which insurance scheme do i need to choose as private insurance for student above 30 years age ? And also will they send electronic health insurance to the university for the enrollment process ?
Hi i am a student and also looking for a private insurance, i had mawista before since i was already 30 when i came to germany. However they did not extend my insurance without any reason and now im struggling to find a private insurance. I heard about dr . Walter , would you recommend that or any other better insurance , it will be helpful if anyone can guide.thanks
Thank you for this video. My situation is the same, currently a master’s student above the age of 30 yrs. & my company is offering a Working Student job but asking for the below 2 documents, even though I have already sent them my Private Insurance certificate EDUCARE24 L by Dr. Walter: “What we also need before we can start the employment is: • Social security number: • membership certificate in public health insurance company” I’ve 2 questions: 1. Will I or will the company contact the ‘Rentenversicherung’ office for creation of a Social Security Number? 2. What should be my response to the company asking me for the ‘membership certificate in public health insurance company’?
Usually company does the rentenversicherung. That’s what happened for me. Just ask your employee. For the public insurance doc, get a statement from any public insurance company TK, AOK etc. stating that you are above 30 and public insurance is not possible for you. They will give you. Submit that to employer
Thank you very much@@bongjournalsfor your reply! I had 2 follow-up clarifications... 1) Will your answer be the same for a student seeking an Internship (i.e. 40 hours a week/120 days in a calendar year) instead of a Working Student job?... 2) Speaking of the several components within the 'Social security contributions', the above 30 age privately insured person working student only pays the component of 'pension insurance contributions' OR there are other social security components deducted as well from the Gross Salary?
@@koshurboy9774 the medical insurance private or public is not dependent on internship or workstudent. It depends on age. Even if you don’t work. For your second question, the tax contribution does not change based on age. That will remain same for both people below / above 30. Depends on salary you are getting
I turned 30 during my studies and now my contribution to tk is 230 euros. I have done quite a bit of research on this topic. If I take a private insurance, they won’t cover me once I finish my studies and on a job search visa. Did you find any solutions for this? Once the studies ends, would private insurance cover ?
Usually after studies, it's better to change the contribution to public. So I guess you already did the correct thing. Your contribution of 230 euros will be shared by your employer as well right? For working individuals, the insurance amount is obviously higher than students. So, considering students pay around 120 euros (approx.) for public insurance. 230 euros for working individuals seem at par. Continuing private won't help. You can get private even while working, but the amount is huge compared to public.
@@bongjournals I am still a student. I work as werkstudent but my employer does not pay for my insurance because I’m a student. They can only pay for full time employees. So I’m paying 230 on my own and it’s hurting my finances. Certainly I’d like to stay with tk after getting a full time job. If I take private now, I can make a switch then as confirmed by them. Till then I am thinking to switch to private insurance. The problem being the period when my masters will be over and I get a full time job. Private student insurance won’t cover me and I cannot switch to tk before a full time job. Then I have to take a full private insurance that’s somewhere around 400 monthly. Do you have a suggestion in this situation?
@@shubhamgupta7345 okay. Now I got a good idea about your scenario. I think you should immediately switch to private and keep that until you get a job. Because paying 230 by yourself is a lot. The private insurance you get as a student above 30 are actually travel insurances. So right now if you switch to private, that will be a travel insurance. But it still is valid. So for these travel insurances, I guess they cover you for that span of time also - when you are done with study and searching for a job. Best is you send an email with this exact question to Dr. Walter
@@bongjournalsI am also in the same situation , paying 230euro for AOK as a student above 30. But like he said is it a good idea to move to private now and until I finish my studies. And when I find a job is it possible to move back to public insurance? What are the possible issues I could face between these changes?
@@kurianambat3960 it’s complicated to move from public to private and then again to public. Changing once is easier. Get in touch with AOK and speak to them about this
Any travel insurance is valid during your travel time. Once you land in Germany, you need to take a public or private health insurance. You have to find out if TATA. AIG provides continuous health insurance even after landing in Germany. Otherwise you need to change to Dr Walter or something similar. But only if you are above 30. Otherwise you need to take public insurance
The video is broken into chapters. If someone wants to skip, they can. 👍🏼Also, check out the new, more concise video at my dedicated channel - ruclips.net/video/U5gi5sc2cJQ/видео.html
![Private or Public Health Insurance in Germany [Which One To Choose?]](http://i.ytimg.com/vi/M4WyXxSoe1I/mqdefault.jpg)
![Private or Public Health Insurance in Germany [Which One To Choose?]](/img/tr.png)
LATEST VIDEO ON THE SAME TOPIC with much more information and answers to your common questions - ruclips.net/video/U5gi5sc2cJQ/видео.html
Hello Everyone. Check out this new channel - www.youtube.com/@bongingermany which is solely focused on various informative videos about Germany. Jobs, study and life in Germany.
❤❤ very informative
I tried to share my experiences and solutions. If you have any queries or suggestions, you are most welcome to mention that here in the comments or get in touch with me on instagram - instagram.com/bong.journals
Also, I have given the link to dr walter insurance and expatrio services, in the description of this video.
Thank you so much for this video. I am 30 and I am in the same situation and today i was planning to go to DAK for direct enquiry. I alrdy have insurance from private insurance MAWISTA. But I heard some parttime jobs will not accept this insurance. That's y I thought of public insurance.
Check this 👉🏼 ruclips.net/video/U5gi5sc2cJQ/видео.htmlsi=itTFIIexWAUWV_wm
Hello bro, first of all thanks a lot for your video. I have myself researched endlessly and found the same info but your video solidified it for me, so great job. Just one question from my end: When we have a private health insurance (MAWISTA for me), is there something like in future if we want to switch insurance companies, they wont insure us because we are on a travel insurance. Would appreciate if you can clarify this. Thanks in advance!
No. Nothing like that. As soon as you become eligible, you can switch to any insurance you want. I recently switched to TK after starting a job
vai banglay clear kore video den step by step for above 30 with advntages and dis advantages
Ei video ta clear hoyni?
Sir, what is M10 exemption certificate for health insurance of students going to Germany. This has been asked for by a university for enrolment.
It is a document / notice about your insurance status that the university gets directly from the health insurance provider. Talk to your insurance provider about this
I completed 30 during my studies and still student. TK deducted 1600 euro from my account after calculating contribution over my part time salary and saying that i have to pay 340 euro per month. This is huge amount for me and now I am not understanding what to do. Please give me suggestion.
This happens when you do not convert your public to private as soon as you turn 30. The insurance companies exploit this, and charge huge premiums. The first thing is immediately switch to private like Dr. Walter or similar. Secondly, go to tk office and speak to them. If they consider and do a refund you should be lucky.
@@bongjournals Is it good option to go for dr.walter, what happen in case when we need treatment
@@shubhamwadekar1401 that’s the only option until you get a job. Otherwise you can pay the high premium for tk
Thanks
You’re most welcome
Thank you for information. I am taking health insurance from Dr Walter from expatrio.
But there ia no travel insurance option there. Do i need s separate travel insurance from Expatrio again?
No. Dr walter itself is travel / private insurance
Is the rule same for students running 30 years of age?
I think up until 30 public insurance covers. When you are over 30, then this issue arises
Do I need German IBAN and German home address to proceed for my private health insurance. I am filling a form for a specific private health insurance provider in which they are demanding these things, which I dont have right now, what to do?
If you are applying for insurance from outside of Germany, then I guess it’s simply a travel insurance and you don’t need all those. If you are already in Germany and applying insurance- you should already have an address right? Bank account also you need to make soon.
I am above 30, lots of question but no one answered. this video really helped me. Questions, is there any issue getting part time job with private insurance? Can I get only the health insurance for university enrolment purpose with Dr Walt? or do I have to take them with the package includes blocked account service?
Hello and thanks for your comment. If you get a part time job, there is a chance that your employer might ask for a statutory insurance number, because that is required for the employer to file tax documents (if applicable) . However, usually student jobs are not in the taxable range, so your tax number would still be generated while having a private insurance. I had the same situation as mentioned in the video. My employer asked for public insurance documents. In that case, get a formal written document from the respective public insurance company (TK or AOK, etc.) that public insurance is not possible for you. Since you are above 30. The companies will happily provide you with the document. THERE IS ABSOLUTELY NO ISSUE WITH PRIVATE INSURANCE AND PART TIME JOBS, I did it myself for about 1 year. Second - Your university accepts any insurance document that you supply, provided the insurance covers you during your period of study. So public private anything. Yes, DRWalter also works. I am still using the same. Third - you can take the insurance separately or as a package. Doesn’t matter. But I recommend doing as a package
@@bongjournals that’s a lot of information bro.. you saved my time doing all of the above research.. this gonna benefit many student..
@@shafeekkkk you’re most welcome. Happy I could help 👍
Could you tell me if dr Walter is could if i need to get insurance covering dental treatment for exam wisdom teeth removal surgery. I want to know if they pay full payment of dental treatment also for other normal dr treatment as i heard private insurance only pay for emergency health issue treatment. I tried to research on my on own but i am still confuse and don’t understand all clearly. It will be helpful if u could give sone suggestion since you are already register with dr walter. I want insurance not only for the visa purpose but i need to see the dr for certain medical condition but im afraid to go to dr on some random cheap insurance as they might not pay the bills.please guide
Very useful video, thank u really.
have u faced any problem or hustle with Educare24? does it take too long for reimbursement?
Thanks. I have been using Educare for about 3 years now. I didn’t face any issue as such. However, I have thankfully never required to use my insurance for anything. So that part I won’t be able to confirm. 🙂
Thanks! this was helpful@@bongjournals
But while applying for part time job they asking for social security number. And the private insurance company won't provide that? What should I do for that?
You can apply for a tax number with your private insurance as well (I did it as well). But your employer has to do it for you. You will have to explain to your employer that public insurance is not possible for students above 30. If required, get a statement from TK or AOK that this is not possible and give it to your employer.
I'm student, 30 years old and I'm only eligible for the privet health insurance in Germany. I want to know is it possible to do the part time jobs with privet health insurance...?
Many people say you need to have a public health insurance to do the part time jobs in Germany...!
It is possible. I did it myself. You must get a certificate from the insurance company which says that public insurance is not possible for you. Because of your age. Submit that to your employer
Could you please tell me how to obtain it. And also the name of the certificate. I visited the TK and they told me there is no such certificate. 😢
@@SumiSukumari it’s not a certificate. You have to request them to give them in writing that for 30+ year olds they cannot provide public insurance. Tell them that I need to show it to my employer
@@bongjournals thank you I will try
@@bongjournalswhich company privat or Aok ?I must informed ?
Hi I am also above 30 and arrived in Germany now in student visa. How much does Dr Walter premium costs monthly?
I have heard recently they increased the charges. I think it’s around 130 now
i have also dr walter insurance. i received my confirmation via email. but i have not received my insurance card. what should i do ?
They do not provide any card. If you need reimbursement for any treatment, you will have to fill up a form and submit
@@bongjournals i have to submit online form? I am applying for my first job and my employer asked me about my insurance card and social security number.
So i can share an insurance certificate as I don't have a card right?
And what about social security number?
@@MuhammadSaleem-e5e check the new video here in comments. I have shared all details. Social security number you will get when your city registration is complete
Hi! I have a question related to confirmation of exemption from statutory health company (TK, AOK, etc). My university has asked me for this as compulsory for enrolment process, but I am not yet in Germany to activate my travel insurance. Do I submit the same travel insurance document? Or is there any way around?
University enrollment should be possible just by your travel insurance document. Once you are in Germany, and if you are above 30 and public insurance is not possible - you can get in touch with any of the public insurance providers and ask them to provide a letter saying public insurance is not possible for you.
@@bongjournals I have Dr Walter’s Educare24, but they have just provided me travel insurance documents with and without dates. Is that sufficient to email the public insurance providers for exemption? Since they will be checking if my private insurance is valid and correct.
@@tabindakazmi2774 public insurance providers won't ask for your private insurance details. Also, Dr. Walter provides a document where the travel insurance starts from your date of travel, and another document that starts with your arrival in germany
Bro, I am 30 but I am surprised expatrio health insurance showong me It is showing 154Euro dr walter.do you know why it is showing very high? or they increased?
Assist me plz bro
I think they have increased it. Many people are telling the same thing to me
Hi. I just have a question about the package of expatrio with health insurance. As you mention that health insurance is needef for applying visa. Once my visa is approved and then i come to germany, is the health insurance that I bought from Expatrio is good enough as an insurance through out my study period or do I have to buy again another private insurance (since Im above 30)? Thanks!
With a small premium amount, honestly very less medical procedure are covered under insurance . You don’t need to take another insurance, since this is a private insurance, you can increase the premium amount to extend the coverage. But it can only be extended upto a certain limit. So basically, you need to stay healthy and try to not avail medical services if possible. There’s no alternative
@@bongjournals But, after studying and I manage to find a job in Germany, is it possible to switch from private to public?
@@ndmarcelo yes it’s possible
hai,
from Dr. Walter which insurance scheme do i need to choose as private insurance for student above 30 years age ?
And also will they send electronic health insurance to the university for the enrollment process ?
Hello, you can choose any scheme as per your choice. They will not send any document to the Uni, they will send it to you. You can then forward it
Hi i am a student and also looking for a private insurance, i had mawista before since i was already 30 when i came to germany. However they did not extend my insurance without any reason and now im struggling to find a private insurance. I heard about dr . Walter , would you recommend that or any other better insurance , it will be helpful if anyone can guide.thanks
What is your travel insurance cost? You said your haleth insurance was 50euro😮
I do not have a public health insurance. My travel insurance is my private health insurance and it’s 50 euros per month
Small doubt, Travel insurance is only for the days of your travel right? Why is it per month?
Thank you for this video. My situation is the same, currently a master’s student above the age of 30 yrs. & my company is offering a Working Student job but asking for the below 2 documents, even though I have already sent them my Private Insurance certificate EDUCARE24 L by Dr. Walter:
“What we also need before we can start the employment is:
• Social security number:
• membership certificate in public health insurance company”
I’ve 2 questions:
1. Will I or will the company contact the ‘Rentenversicherung’ office for creation of a Social Security Number?
2. What should be my response to the company asking me for the ‘membership certificate in public health insurance company’?
Usually company does the rentenversicherung. That’s what happened for me. Just ask your employee.
For the public insurance doc, get a statement from any public insurance company TK, AOK etc. stating that you are above 30 and public insurance is not possible for you. They will give you. Submit that to employer
Thank you very much@@bongjournalsfor your reply! I had 2 follow-up clarifications... 1) Will your answer be the same for a student seeking an Internship (i.e. 40 hours a week/120 days in a calendar year) instead of a Working Student job?... 2) Speaking of the several components within the 'Social security contributions', the above 30 age privately insured person working student only pays the component of 'pension insurance contributions' OR there are other social security components deducted as well from the Gross Salary?
@@koshurboy9774 the medical insurance private or public is not dependent on internship or workstudent. It depends on age. Even if you don’t work.
For your second question, the tax contribution does not change based on age. That will remain same for both people below / above 30. Depends on salary you are getting
I turned 30 during my studies and now my contribution to tk is 230 euros. I have done quite a bit of research on this topic. If I take a private insurance, they won’t cover me once I finish my studies and on a job search visa. Did you find any solutions for this? Once the studies ends, would private insurance cover ?
Usually after studies, it's better to change the contribution to public. So I guess you already did the correct thing. Your contribution of 230 euros will be shared by your employer as well right? For working individuals, the insurance amount is obviously higher than students. So, considering students pay around 120 euros (approx.) for public insurance. 230 euros for working individuals seem at par. Continuing private won't help. You can get private even while working, but the amount is huge compared to public.
@@bongjournals I am still a student. I work as werkstudent but my employer does not pay for my insurance because I’m a student. They can only pay for full time employees. So I’m paying 230 on my own and it’s hurting my finances. Certainly I’d like to stay with tk after getting a full time job. If I take private now, I can make a switch then as confirmed by them. Till then I am thinking to switch to private insurance. The problem being the period when my masters will be over and I get a full time job. Private student insurance won’t cover me and I cannot switch to tk before a full time job. Then I have to take a full private insurance that’s somewhere around 400 monthly. Do you have a suggestion in this situation?
@@shubhamgupta7345 okay. Now I got a good idea about your scenario. I think you should immediately switch to private and keep that until you get a job. Because paying 230 by yourself is a lot. The private insurance you get as a student above 30 are actually travel insurances. So right now if you switch to private, that will be a travel insurance. But it still is valid. So for these travel insurances, I guess they cover you for that span of time also - when you are done with study and searching for a job. Best is you send an email with this exact question to Dr. Walter
@@bongjournalsI am also in the same situation , paying 230euro for AOK as a student above 30. But like he said is it a good idea to move to private now and until I finish my studies. And when I find a job is it possible to move back to public insurance? What are the possible issues I could face between these changes?
@@kurianambat3960 it’s complicated to move from public to private and then again to public. Changing once is easier. Get in touch with AOK and speak to them about this
Bro I got my insurance from TATA AIG Group Overseas travel guard. Is it valid in Germany.
Any travel insurance is valid during your travel time. Once you land in Germany, you need to take a public or private health insurance. You have to find out if TATA. AIG provides continuous health insurance even after landing in Germany. Otherwise you need to change to Dr Walter or something similar. But only if you are above 30. Otherwise you need to take public insurance
@@bongjournals thanks so much!
The actual video starts at 6:15.... Rest is your time waste
The video is broken into chapters. If someone wants to skip, they can. 👍🏼Also, check out the new, more concise video at my dedicated channel - ruclips.net/video/U5gi5sc2cJQ/видео.html