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Statutory Health Insurance (Gesetzliche Krankenversicherung – GKV)
Private Health Insurance (Private Krankenversicherung – PKV)
Which one you go choose depend on your income, age, and status.
This one be like our NHIS for Ghana but better organised. Almost 90% of Germans dey use public insurance. If you be worker wey earn less than €66,600 per year (2024 figure), you must use GKV. Students, apprentices, and most employees fall inside this category.
Popular public insurance companies be:
What GKV cover?
You go pay around 14.6% of your gross salary (shared between you and your employer), plus small extra contribution. For students, e be about €120–130 per month.
If you earn more than €66,600 per year, or you be self-employed, or government worker, you fit choose private insurance. Private insurance get better service — shorter waiting times, private hospital rooms, and treatment wey public no always cover.
But warning: Private insurance dey cheaper when you young but go increase sharply as you old. And once you enter PKV, e hard to go back to public.
If you get admission to German university, you must get health insurance before enrolment. Public insurance dey around €120/month and e better for long-term studies.
No. Ghana National Health Insurance Scheme no work for Germany. You need German insurance.
If you get emergency, dial 112 for ambulance. Treatment go cost you if you no get insurance.
If you be Ghanaian wey want relocate to Germany, public insurance (TK or AOK) go serve you well. Make sure you arrange your insurance before you travel.