Each parent will need to have their own insurance. It can be with the same company, but it doesn't have to be. It is fairly common for one person to have government insurance (Krankenkasse) and the other to have private insurance. However, private insurance is only allowed if you have an income above 47,700 Euros annually.
An interesting option in Germany is the "Zusatzversicherung" (extra insurance). Since the government insurance has a fixed type of coverage for all people, many people purchase Zusatzversicherung from a private insurance company. This way, you can get better service, reduce co-payments or have more types of services covered. For example, you may want to ensure that you always get a private room if you are hospitalized. Few, if any, of the Krankenkasses provide this. However, there are Zusatzversicherung packages that provide this.
1 comment:
Its very important to have an insurance policy. I also realized that if we are already having a plan from a carrier and we request for another one we get a special discount too. The option of having extra insurance is not available in my state but there are other services that are available that are very beneficial.
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