Without health insurance? We'll help you back into cover.
Whether it's been a few months or several years: the sooner you act, the smaller the gap. Tell us briefly about your situation – confidentially and free of charge.
- Many providers compared
- 100 % free and without obligation
- We speak your language (German & Arabic)
- Statutory (GKV) or private (PKV) – to suit your situation
- Even during ongoing treatment or with a treatment plan
- Personal contact in Osnabrück, in Arabic on request
Requested in just 30 seconds: our partner's experts find a suitable tariff for you – 100 % free & no obligation.
- Maximum freedom: You can end our support at any time with a few clicks in the customer portal.
- 100 % free & no hidden commitment.
Health insurance check
Your request
Health insurance check
- Briefly describe your situation
- Check ways back into cover
- Personal reply
- Request
- Review
- Reply
Personal call-back in German or Arabic
What many people don't know
Getting back into cover is your right
Health insurance has been compulsory since 2009. Statutory funds usually re-admit former members, and private insurers must offer at least the basic tariff (Basistarif).
Arrears can often be reduced
Statutory funds should reasonably reduce back-payments in the case of late registration. With private insurers, deferral with payment in instalments is possible.
Even with treatment or a treatment plan
Ongoing treatment or a treatment and cost plan is no reason not to try. What matters is that the experts know about it.
General information, not legal or insurance advice. MeinVertragsPlus is a referrer (“Tippgeber”); our partner's licensed experts work out your individual solution together with you.
Questions about health insurance
I haven't had health insurance for a long time – will anyone take me at all?
Yes. In Germany, health insurance has been compulsory since 2009. If you were last insured with the statutory scheme, you usually return to a statutory health insurance fund. If you were last privately insured, a private insurer must accept you at least in the basic tariff (Basistarif). Which route applies to you is something the experts clarify with you.
Do I have to pay all contributions for the time without insurance?
Contributions or a surcharge are usually due for the gap. Statutory health insurance funds should reduce back-payments appropriately in the case of late registration and waive late-payment surcharges (§ 256a SGB V). With private insurers a premium surcharge applies, which can be deferred and paid in instalments (§ 193(4) VVG). The sooner you get in touch, the smaller the gap.
What if treatment is ongoing or there's a treatment plan?
Simply state it in the form – we don't need any diagnoses. The experts take your situation into account when looking for a solution, for example from when which benefits are covered. If you'd rather talk about it on the phone, choose “Prefer to discuss in person”.
What happens to my health information?
We only store information about treatment with your explicit consent and pass it on exclusively to our partner's licensed experts so that you can be helped. You can withdraw your consent at any time.
Does the consultation cost me anything?
No. Reviewing your situation is free for you and without obligation.
Your question isn’t listed?
Our partner's licensed experts will answer it personally – by phone, on WhatsApp or in an appointment.