You would possibly get denied public medical insurance for numerous causes. Essentially the most usually state of affairs we see is somebody who isn’t employed full-time at a German firm. Freelancers are those most frequently impacted by this rule, which forces them to get both expat or non-public medical insurance.
Another excuse folks get denied public medical insurance is that they’re too outdated for the system. Sadly, after the age of 55, getting on public medical insurance turns into extremely sophisticated. Throughout retirement, much more guidelines apply.
Non-public medical insurance
So, for those who’re denied public medical insurance, your first thought is likely to be to modify to non-public medical insurance, however there are the explanation why somebody could be denied protection as effectively.
For example, you will be denied in case your revenue is simply too low. A freelancer making beneath €30k per yr wouldn’t be eligible for personal medical insurance with us.
Even when your revenue is excessive sufficient, you might need a foul Schufa rating which might result in you being denied protection. In case you are denied protection, you’ll have to request your info from Schufa holdings after which see what triggered this to occur (defined within the article backlinked above). You may see if there’s any incorrect info, for those who missed any unpaid payments, or in case your handle was even listed twice with barely completely different spellings resulting in a decrease reliability of your monetary standing. You typically gained’t have the ability to reapply in case you have a foul schufa, however we will typically work round that.
Pre-existing circumstances like ADHD, extraordinarily excessive or low BMI, bronchial asthma, psychological sicknesses, and diabetes will disqualify you from non-public medical insurance, too. Even when your medical situation would usually be accepted beneath completely different circumstances like a better tariff, a mixture of a number of completely different circumstances can result in rejection as effectively.
When you’re discovering it onerous to get insured beneath public well being or non-public medical insurance, you possibly can see if expat medical insurance is likely to be an possibility for you till you’re capable of swap to public or non-public.
Expat medical insurance
When you’re not eligible for personal or public medical insurance, many individuals flip to expat medical insurance as a final possibility till they will swap employers or scale back the danger they’re carrying or earn more cash via additional freelancing jobs to get on non-public medical insurance.
Whereas nobody is denied expat medical insurance (until you’ve already been in Germany for greater than 5 years), the embassy typically gained’t settle for the insurance coverage. There are a number of the explanation why this could occur:
- You’re pregnant
- You’ve got a pre-existing situation that wants continuous remedy
- The embassy is unfamiliar with the coverage and must be supplied with Anlage 6 (which you’ll be able to request from us)
- You’re renewing your visa
rule of thumb is in case you have a pre-existing situation that may require you to pay greater than €300 per yr in bills, your expat medical insurance gained’t be legitimate for a visa software.
Authorized insurance coverage, legal responsibility, and family insurance coverage
When you had been denied authorized insurance coverage, it implies that your protection was both canceled by your earlier supplier or submitted greater than 3 claims prior to now yr. For legal responsibility or family insurance coverage, this goes all the way down to 2 claims. For family insurance coverage, for those who’ve submitted a single declare for greater than €1,500 prior to now yr, we are going to deny your software.
Additionally please be aware that family insurance coverage has a number of necessities for eligibility. First, the house you’re insuring your belongings in must be your main residence. Second, it’s a must to insure the entire belongings within the residence and never simply yours.
To turn into eligible once more, you’ll want to attend till you possibly can reply 0 to the variety of claims you’ve gotten made prior to now yr.
Dental insurance coverage
We don’t settle for functions for dental insurance coverage when somebody is at present lacking 3 or extra enamel and must get them changed, is planning main dental remedy in the course of the software (your software might be accepted, however you gained’t have the ability to make claims on these remedies), doesn’t have public medical insurance, or lies in the course of the software course of. By mendacity in the course of the sign-up with out us noticing, now we have the fitting to revoke any and all remedy obtained as soon as we study of this and cancel your insurance coverage. In case you are not insured beneath public medical insurance, we additionally won’t be able to just accept your software.
To turn into eligible for dental insurance coverage once more, you’ll want to exchange your enamel and undergo your already deliberate dental remedies. When you lied in the course of the software course of, you will not be eligible.
Life insurance coverage
As a result of life insurance coverage has a excessive payout, the applying course of and the chance of turning into ineligible will increase.
You will be denied protection due to your occupation, way of life, or interest. When you get pleasure from scuba diving or are an expert racecar driver, then you definitely’ll be robotically denied since your danger of great harm and demise is simply too excessive for the provider to tackle.
Another excuse chances are you’ll be denied protection is in case you have sicknesses that require ongoing remedy. This may very well be potential remedy or each day medicine associated to high-risk circumstances.
The final purpose that you simply is likely to be denied protection is that you simply’re planning a visit to a overseas nation with a excessive mortality charge for vacationers (whereas balconing would fall right into a hazardous way of life, areas the place baloncing is practiced or balconing tournaments are held could be thought of a touristic vacation spot with a excessive mortality charge).
Bike insurance coverage
There are just a few very particular issues that can get you denied for bike insurance coverage. The primary is in case you have one of many following bikes:
- E-bikes bought second-hand;
- E-bikes that weren’t bought from an official vendor;
- E-bikes with out an auxiliary motor for drive help;
- E-bikes bought greater than six months in the past on the time of the institution of the insurance coverage;
- Carbon bikes, absolutely coated e-bikes, velomobiles, and dust bikes;
- Self-built and transformed bikes (bikes, with transformed elements with a complete worth of greater than 20% of the acquisition worth);
- E-bikes with funds pending;
- Commercially used e-bikes;
- E-bikes with a complete buy worth of greater than 10,000 EUR;
- E-bikes already broken upon coming into into the contract;
- E-bikes topic to registration and insurance coverage;
- E-bikes bought by non-public people.