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A Comprehensive Guide for International Professionals
Germany offers an exceptional healthcare system, making health insurance a critical aspect for expats. Gothaer's MediHealth Prime insurance is designed specifically for international professionals moving to Germany. Here's a detailed overview to ensure you're well-informed.
Why Expat Health Insurance?
Expat health insurance like MediHealth Prime is crucial for anyone coming to Germany for work and residence. This insurance provides extensive health benefits, ensuring you're well-protected in case of illness. It's not only a legal requirement but also a vital safeguard for your health and financial stability.
Benefits of the new MediHealth Prime Plan
- Comprehensive Coverage: The plan covers outpatient, inpatient, and dental treatments completely, meaning you won't face high costs if you need medical attention.
- Predictable Costs: The premium remains constant throughout the term, offering financial planning security. Without age reserves, you won't encounter rising costs.
- Flexibility: After up to five years, you can convert the plan to regular full insurance without a new health check, which is advantageous for long-term settlement in Germany.
Detailed Benefits Overview
- Outpatient Care: The insurance covers 100% of costs for outpatient treatments, medications, psychotherapy, therapeutic aids, and vision aids, ensuring all your healthcare needs are met.
- Inpatient Care: Full cost coverage for hospital stays, including chief physician treatment and single or double room accommodation. Regardless of your medical needs, you are well cared for.
- Dental Care: The plan offers full coverage for dental treatments and prophylaxis and 90% coverage for dental prosthetics and orthodontics, ensuring a healthy smile.
Additional Exceptional Benefits
- Preventive Care and Vaccinations: The insurance covers 100% of the costs for preventive check-ups and vaccinations, allowing you to protect your health proactively.
- International Coverage: For up to three months, you are insured abroad without being limited to German cost levels, which is crucial for frequently traveling expats.
- Reimbursement for No Claims: If you don’t make any claims, you are eligible for reimbursements, providing an additional financial advantage.
Eligibility Criteria and Options
- Easy Access: Medical certificates are not required for employees and their families arriving in Germany within nine months, simplifying the entry process.
- Conversion Option: With a permanent residence permit and fixed residence in Germany, you can switch to a permanent full insurance without a new risk assessment.
Why Choose Gothaer MediHealth Prime?
The Gothaer MediHealth Prime plan offers the ideal combination of comprehensive coverage and financial predictability, tailored specifically for expats. The insurance ensures that you can fully focus on your new life chapter without worrying about health issues. Additionally, you benefit from the flexibility to switch to regular full insurance in the long term, enhancing your security further.
Conclusion
Good health insurance is essential for expats in Germany. Gothaer's MediHealth Prime plan provides a tailored solution covering all critical aspects, from outpatient to inpatient and dental services. With predictable costs and the option to convert to regular full insurance, this plan offers security, flexibility, and financial stability.
