The European Health Insurance

The solution for all without health insurance
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From EUR 49 per month

No punitive contributions

No SCHUFA check

The solution: European health insurance

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No matter in which life situation you find yourself, we can promise you one thing 100%: We will find a suitable solution for you. Since 2009, Germany has had compulsory health insurance – in theory. Unfortunately, however, the practice is different. According to the Federal Statistical Office in Germany, several 100,000 people are without health insurance, and the number is rising.

Europäische Krankenversicherung (EUKV) | Erklärvideo von Tutario Gmbh - die Gesundheitsexperten

The European Health Insurances - briefly and concisely presented:

European health insurance provides 100% coverage throughout the EEA, or European Economic Area, depending on the plan %.choose.

The benefits are freely selectable, from very cheap to a top insurance cover at the benefit level of a German private or statutory health insurance.
It is important to know that a European health insurance is basically nothing else than an international health insurance, which limits its scope to Europe.

Due to the limited scope of application to the European economic area, the premiums for our customers are much more favourable than for a worldwide insurance cover of an international health insurance.

Option right - you can adjust your insurance cover annually to your personal situation, reduce or increase the benefits. To do this, you can also extend the scope of your health insurance worldwide.

Prices:

With a deductible of 5,000 EUR:
up to 19-year-old:from 42 EUR
25-year-old person:from 62 EUR
35-year-old person:from 78 EUR
45-year-old person:from 106 EUR
55-year-old person:from 149 EUR
65-year-old person:from 281 EUR
With a deductible of 250 EUR:
up to 19-year-old:from 62 EUR
25-year-old person:from EUR 93
35-year-old person:from 116 EUR
45-year-old person:from 159 EUR
55-year-old person:from 224 EUR
65-year-old person:from EUR 421

flexible payment method: monthly to yearly, by direct debit (Sepa), credit type or bank transfer

For whom is a European health insurance suitable?

The European health insurance is suitable for all people without health insurance coverage in Germany, Austria, Switzerland or any other European country. This makes it suitable for many people in different situations: for people who travel a lot in Europe on a self-employed basis for business or pleasure and do not have a permanent residence in Germany, for expats who work outside Germany, for digital nomads and companies that need to insure their employees abroad or bring employees from abroad to Germany. But also au pairs, craftsmen from Eastern European countries who work in Germany and need a customs certificate or foreigners who come to Germany and need proof of insurance for the visa are well advised with a European health insurance.

We will find the right solution for you:

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You can rely on our lowest prices.
If you find your health insurance on another website cheaper, we will refund you the difference!

What are the advantages of European health insurance?

There are many advantages to taking out European health insurance. In addition to attractive offers, the possibility of reintegration into the German health insurance system is particularly noteworthy, and this without penalty contributions and despite negative Schufa. Since there is no rejection on the basis of profession, age or origin, this path is suitable for most people who are without health insurance for various reasons and would like to return to the German health care system.

What benefits do European health insurance plans offer?

The scope of benefits of the European health insurance differs, of course, depending on the chosen tariff. But even very low premiums are on a very high performance level. The tariffs can also be individually revised each year and thus adapt to your living conditions. Other services include:

European Health Insurance offers an optimal health insurance cover for people who want to go new ways. Take full advantage of the opportunities Europe has to offer, with its unlimited possibilities of free residence and employment.

As a German citizen, you can now unsubscribe online from almost any citizen’s office, so you are no longer subject to the insurance obligation in Germany and for your German statutory or private health insurance there is a registration date with the date of unregistration. immediate special termination right. Of course, the legal regulations of the country you are planning to move to apply, but in many European countries there is no insurance obligation for a temporary stay which is limited in time or it is sufficient to provide proof of European health insurance. There are also more and more people who do not have a fixed residence and travel flexibly through Europe in a motorhome and live where they like it best at the moment. Take the liberty of insuring yourself where you want, regardless of where you live. Pay only what is necessary.

With a European health insurance, you have the possibility to be treated, examined or operated anywhere in the European Economic Area (EEA), no matter where you are. It does not matter whether you are in Germany, Spain, Poland or Scandinavia. As there is no limit to the scale of fees in the tariffs of the European health insurance, you will always receive the presumably best possible medical care from specialists and hospitals in the respective country in which you are currently staying.

Securing a 1-2 bed room with a private medical treatment (chief physician) is your minimum standard. We work with well-known insurers such as ALC Health Insurance, Allianz Worldwide Care, Freedom Health Insurance and Morgan Price International. From these providers, we will find the insurance that suits your needs. Please take a look at the performance details of the different tariffs and services in our tariff calculator.

What are the disadvantages of European health insurance?

Unfortunately, there are also drawbacks. Of course, you must pay your health insurance contributions on time at the agreed payment interval. European health insurance only pays if the contributions are paid on time. German health insurance companies are obliged to pay in advance even if the contributions have not been paid for one or two months, for example. The German health insurers would then repeat the money from the customer afterwards.

European health insurance would never go into advance payment if the contributions were not paid as agreed in accordance with the terms of the contract. If a customer has not made the payments no later than 7 days after the agreed start of the contract, the insurer can unilaterally withdraw from the contract without giving any further reasons according to AVBs (general insurance conditions).

Pre-existing conditions, which are “non-chronic” are excluded from insurance cover for 2 years. If you do not have any complaints regarding this condition during these 2 years and do not go to the doctor, you will be entitled to full insurance cover again in the third year (moratorium rule). If you do not wish to have a contract with the exclusion of such pre-existing conditions, an individual risk supplement can also be requested from the respective insurer. Chronic pre-existing conditions are generally excluded from insurance cover. Chronic pre-existing conditions include, but are not limited to, cancer, herniated discs, high blood pressure, diabetes, asthma, allergies, thyroid disease, mental or emotional disorders. Ongoing treatments are also always excluded from insurance cover. Existing pregnancies can be requested individually.
Personal advice is always required here.

The advantage compared to a German health insurance is that chronic diseases do not generally lead to a rejection, but often only the clinical picture and the resulting consequences are excluded.
All other diseases can be insured as normal. In Germany, chronic pre-existing conditions would usually forcefully lead to a complete rejection of the entire application. For certain chronic diseases, a risk supplement can also be included in a European health insurance scheme, so that the clinical picture can be insured as normal. To give an example, this is often possible in case of high blood pressure or an operated herniated disc.

For this purpose, please talk to one of our consultants, who will be happy to offer you an individual offer after personal clarification of your health information.

If you live and work in Germany, are chronically ill and are uninsured, you should always look for the way to german statutory health insurance. Here there are solutions and chances to cover your existing medical condition through a German statutory health insurance.
Together with you, we will be happy to examine the possibilities of returning to the German insurance system, taking into account your existing medical picture without any penalty.

Long-term care insurance, do I need it at all abroad or in Germany?

In line with a European health insurance, you can choose suitable additional services for the existing outpatient and inpatient health insurance services according to your wishes and wishes.
In addition to health insurance, the most important component is to provide private long-term care insurance for every person.

The long-term care insurance insures them worldwide against the risks of needing care. Long-term care insurance should not only be taken out in Germany, but above all abroad.
If you are in need of care due to serious illness or an accident, it is imperative that you protect yourself against this risk. Needing care does not necessarily have anything to do with the elderly and a nursing home, but often arises only temporarily for several months or years after surgery, cancer treatment or a car accident.

In addition, one should always make sure to take out a long-term care insurance as soon as possible, so that one is still healthy, in order to avoid risk surcharges or complete rejections of the insurance coverage.
Once you are ill and in an ongoing treatment, the way to a private long-term care insurance is usually blocked forever and you have to cope with the costs from your treatment from your own reserves.

Back to the German medical system. If you want to.

After 12 months of membership in an EU-KV you have the possibility to return to the German statutory or private health insurance via our framework agreements and this WITHOUT penalty.

We will find the right solution for you:

Dental cover, what do European health insurers provide?

European health insurance companies usually only provide health insurance in the outpatient and inpatient areas, depending on the tariff chosen. Only the premium or top variants often offer insurance cover in the field of dental care, dental treatment and dentures. However, many EEA insurers do not cover implants, or only to a very limited extent. Unfortunately, the benefits are often so limited that you would have to pay a large part of the costs incurred on your own.

In addition, the monthly premiums for dental protection are set so high by insurers that it is often hardly financially worthwhile to cover them through European health insurance.
We offer you suitable product solutions here, with which you can add an additional dental module to the existing benefits of your European private health insurance, which provides benefits if required and is affordable.

Our customers trust us.

Mr Reichensdörfer
Mr Reichensdörfer
5 out of 5
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My submitted invoices, each collected by the end of the year, have been processed very expeditiously. The reimbursement also went very quickly and without complications as planned.
Mr Miler
Mr Miler
5 out of 5
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The whole process was perfect for me. The German health insurance companies should take a leaf out of their book. Will definitely recommend you guys to others.
Mr Knife
Mr Knife
5 out of 5
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Good advice, friendly nice courteous competent patient open fact oriented , I recommend gladly...
Mr Deppe
Mr Deppe
5 out of 5
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I am very satisfied with the advice, mediation and support and would gladly recommend you.
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The most important questions about European health insurance

A European or International Health Insurance is a private health insurance with domicile in the European foreign country. These health insurances are significantly cheaper than German private health insurances and therefore a real alternative for all those who cannot or do not want to insure themselves in the German system, e.g. because you want to move around the world as a digital nomad or on sabbatical. The contract is concluded in an uncomplicated manner without health and credit checks and in many cases enables the subsequent return to the German insurance system.

Contributions to the European Health Insurance Scheme are calculated solely on the basis of age. The contribution rates are significantly lower than those of a German private health insurance. For a 25 year old, health insurance is already possible from 62.00 euros per month.

The European Health Insurance Schemes offer different geographical areas of cover. It is also possible to choose worldwide insurance cover. So you can roughly determine the included areas yourself, with some insurances individual countries are excluded, e.g. due to current crisis situations.

As things stand, all European health insurance policies will continue to apply unchanged after Brexit. Although the insurers are generally British, the decisive factor is the respective reinsurers, who continue to be subject to EU law without exception.

European Health Insurance does not include long-term care insurance. However, it is possible to take out supplementary daily nursing allowance insurance via special solutions. This supplementary insurance is strongly recommended in order to be covered in the event of long-term care. Since a nursing case has nothing to do with age, but can also occur as a result of an accident, young people should also definitely take out this insurance.