Do I call for to cart out condition insurance surrounded by Germany?
Hello,
I'm English and I'm currently doing a 5-month voluntary work placement in Germany. I did a 6-month work placement within Germany about 2 years ago, but that be a compulsory placement (it was section of my university course in England). My employer at the time official my European Health Insurance Card as proof of being insured, but my current employer have told me I need to hold out health insurance surrounded by Germany, as this is a voluntary work placement. If it were a compulsory placement, my EHIC would be fine. Does anyone know if it's true that I call for German health insurance? Thank you for any backing.
Answers: When you're a student, I think your employer is wrong. However, you should turn to the AOK anyway. They run students' office in bigger cities; but even if the town where on earth you are doesn't have a students' organization, go here and have a sermon with them. They know the law better than the employers. And step to the AOK, and _only_ the AOK for that purpose! Private insurers will always speak about you that your EHIC isn't valid, as they want to insure you, of course.
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bowdlerize:
"erring on the side of caution", yes, you said what my poor English wouldn't allow me to, but that's what I meant. I be a student once and took a semester off to earn money, and my employer wouldn't believe me that I'm properly allowed to work more than 20 hrs/week and still keep "student status".
But I don't complain something like German bureaucracy. Can be worse in other countries, especially when you're a stranger.
Good luck!
(Corrected a grammatical flaw above, too.)
Additional insurance over and above your EHIC (E111) card would be a righteous idea anyway to speed up back and perhaps reimburse some compensation.
I'm surprised that your new employer insists on it. I can't see that whether you're voluntary or compulsory make any difference to them if you're taken sick.
You could try asking the employer exactly why they want you to do this and what they expect to get from it themselves. Check that they fully get the EHIC; it's possible that there is a clerk who doesn't fathom out that is dealing near your application.
It is advisable that you cantact your employer for right type of insurance. Please read the contents carefully as some diseases are not covered by some Insurance companies. Pls check for Cash smaller number option and contained by case of emergency SOS # of Germany should be near with you handy. Also Pay the amount of Insurance thru bankers chq. or Credit card. Go to the AOK website:
http://www.aok-bv.de/theaok/index.html
It's sort of a German magazine of the NHS, not a private insurance company - that means it's more or smaller quantity the cheapest option.
In this portion, they describe things for foreign students (studying, not working; but possibly there's still some info for you):
http://www.aok-bv.de/service_eng/foreign...
If that doesn't help, e-mail them and explain your situation - conceivably they have some direction for you, or can tell you if you necessitate insurance at all, or can relay you how much insurance cover would be etc.
In addition, I see no mar in contacting the NHS and ask them one and the same question, i. e. do you want a German insurance in your specific circumstances.
Are you getting compensated during your "5-month voluntary work placement in Germany"? If yes, how much? If in attendance is any kind of money involved the company is required to ask for your German social surety details, they cannot get around it and neither can you.
The DWP have a guide to working abroad, check it out.
if you are working and getting salaried for it you must be insured. your employer has to do this. the strength system differs greatly in germany as law also. the main bulk of contributions have to be paid by your employer. you also will hold to pay (indirectly) to the AOK or similar establishment. (deduction on your wage slip) YOU MUST BE INSURED !! accident do happen ! You going to requirement private insurance. Something that the AOK does not offer to non citizens of Germany. You will call for to get a "private Krankenversicherung" which can be obtain by Debeka or Sparkasse versicherungen. those are the two that come to mind. Remember Germany is more of a social welfare state. Insurance like the AOK are state regulated ( gesetzlichen Krankenversicherung) they can merely insure certian people, and their premiums are also regulated by the governing body. Your employer is right, because it's volutary work, EHIC will not cover you. For this experience.
here is also a website that allows you to compare private insurances.
http://www.versicherungvergleich.info/
If I'd go to Britain and do a work placement at hand i'd buy a travel insurance for six months in Germany. I know when u are American and travel overseas u are either covered by ur current American insurance or u can do a buy a plan for a overseas insurance. Britain should hold something like this too. Actually when i regard as about it when I used to step to London I was other covered by my German insurance only for the USA I have to buy a travel insurance. If u'd buy a insurance in Germany it could capture ridiculously expensive for u. So check with ur British insurance and see if u are covered for the time u within Germany and if not what option do u have. I dont deem ur current employer is up to date as we are all member of the EU u shouldnt have to buy a insurance contained by Germany at all.
freshly read something about an inside EU agreement in the order of Health plans. Check it out:
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