Securing DAK-Gesundheit One of the most famous public health insurance companies in Germany. It provides comprehensive health coverage for students, employees, and people eligible for public insurance. Registration for public health insurance becomes necessary when starting university studies or working in Germany.

This guide explains the benefits of DAK-Gesundheit insurance, the registration conditions, and the eligible categories. It also outlines how to switch from private to public insurance when the required conditions are met. In addition, we review the most important alternatives available from public health insurance companies in Germany.

Before detailing the DAK-Gesundheit public health insurance, it is important to address the Islamic legal ruling on health insurance in general. I addressed this aspect in a paragraph within an article. The comprehensive guide to Care Concept health insurance, where the views of Muslim scholars regarding health insurance and its various types were discussed.

The public and private health insurance system in Germany

Health insurance is mandatory for everyone residing in Germany. Based on this, German embassies require health insurance documents either during the visa interview or when printing the visa on the passport. This requirement aims to ensure that residents on German territory receive the necessary medical care.

The health insurance system in Germany relies on two main types: Government health insurance وPrivate health insurance. Most employees, trainees, and university students are subject to mandatory government health insurance, while certain categories are eligible to subscribe to private insurance according to specific conditions.

Despite the variety of private health insurance companies, they are not always a permanent substitute for public health insurance in Germany. In some cases, a person becomes obligated to switch to public health insurance, such as starting a job subject to mandatory insurance or enrolling in a course of study that requires registration in the public system. Therefore, choosing the appropriate health insurance depends on the purpose of stay and the person's educational or professional situation within Germany. Many new residents or newcomers to Germany may find it difficult to understand the relationship between public and private health insurance, and when switching between them is mandatory or available.
In this guide, I will explain the situations in which you must switch from private to government health insurance, in addition to the cases where you can switch from government to private insurance, while clarifying the most important conditions associated with each case.

What is Private health insurance in Germany؟

The private health insurance system in Germany includesPrivate Health Insurance – PKV) many specialized companies that offer insurance plans that vary in terms of the scope of coverage, the value of subscriptions, and the additional services provided to the insured. Unlike government health insurance, which relies on a relatively uniform system, private health insurance packages vary significantly from one company to another, as the level of coverage can be chosen according to the personal needs and legal status of each person.

Private health insurance is one of the most important types of insurance for newcomers to Germany, as it provides them with health coverage during the transitional period before starting part-time or full-time work, or before official university enrollment for Bachelor's and Master's students.

Private health insurance companies offer customized packages for multiple categories, including doctors, pharmacists, university students, master's students before starting their studies, in addition to those arriving on dependent or family reunification visas, Schengen visa holders, and participants in vocational training programs (Training) and other various residency statuses.

Therefore, private health insurance can be considered a temporary solution or a suitable alternative for specific groups in Germany during certain periods, such as international students before starting their studies, visitors, freelancers, and individuals who are not currently subject to public health insurance, depending on the residency conditions and legal status of each person.

Private Health Insurance Companies in Germany

One of the most famous private health insurance companies (Private Health Insurance – PKV) In Germany:

• Debeka
• HanseMerkur
• Allianz Private Health Insurance
• Care Concept

These companies offer various insurance solutions that differ according to the individual's needs and situation within Germany. These plans include different categories such as students, travelers, expatriates, and people staying in Germany for temporary periods, in addition to people who need private health insurance outside the public insurance system.

Regarding insurance Care Concept, dedicated a series to it Dr. Concept Within the private health insurance section, where I explain the most important packages offered by the company, the subscription conditions, the appropriate categories for each plan, and the step-by-step registration method.

Check out all the types of health insurance offered by Care Concept through an article. The comprehensive guide to Care Concept health insurance].

What isGovernment health insurance in Germany؟

It is important to note that the registration process for public health insurance in Germany (GKV) can be started before arriving in Germany. This is particularly important for international and master's students who know the start date of their semester. They can obtain proof of health insurance and submit it to the German embassy as part of the visa application procedure.

As for the period before the start of the semester, the student usually needs health insurance that covers the time from entry into Germany until the actual start of studies. During this phase, temporary private health insurance can be utilized, such as the packages offered by Care Concept, which were explained in the previous paragraph. The company provides various plans suitable for multiple categories such as doctors, pharmacists, university students, and other expatriates depending on the type of residence. After starting university studies and meeting the required conditions, the student can switch to one of the public health insurance companies, which we will discuss in detail in the following sections.

As for those coming for the purpose of work, such as doctors and pharmacists, and those arriving under the Opportunity Card visa (Opportunity Card) or vocational training programs (Training), they may initially need suitable private health insurance for the entry and initial stay period in Germany, as explained in the previous paragraph.

This insurance continues during the transition phase until employment subject to compulsory health insurance begins, whether it is part-time or full-time. When the conditions for government health insurance are met, it is possible to switch to one of the government health insurance companies, the most prominent of which will be explained and their services compared in the following sections.

Public health insurance companies in Germany: Which provider is the best?

The German statutory health insurance system (Gesetzliche Krankenversicherung – GKV) is managed through numerous approved insurance companies. Among the most famous of these companies are AOK, BARMER, DAK-Gesundheit, TK, and KKH. All of these companies provide the same basic health coverage in accordance with German laws. However, they differ in some additional services such as digital services, bonus programs, health offers, and the level of customer service. Therefore, choosing the appropriate insurance company depends on an individual's needs and preferred communication method.

In the Dr. Versicherung series, of which this article is part, I provide a comprehensive guide on the most important public health insurance companies in Germany. The series covers the benefits of each company, registration requirements, and the step-by-step application process. The goal is to help you understand the available options and choose the most suitable health insurance according to your academic or professional situation.

BARMER Public Health Insurance in Germany: My Personal Experience and Why I Recommend It

This is the public health insurance that I recommend for several reasons, and it is also the insurance that I personally use in Germany, so my talking about it is based on practical experience in dealing with the company.

Regarding BARMERwhat truly sets it apart is the level of customer service and the ease of dealing with the company. This is particularly important for newcomers to Germany, where one might initially need help with certain procedures. These procedures include updating insurance data, changing the membership start date, or understanding the steps required to access health services.

Based on my experience dealing with the company, I can help you follow up on these procedures and facilitate communication with them, either by connecting you with Mr. Lennart Müller, who is responsible for following up on cases, or by communicating with me directly to help you complete the required steps.

BARMER is a suitable choice for people starting their lives in Germany, especially international students, master's students, and new employees. The company provides digital services that help members easily manage their insurance, such as tracking membership information, accessing documents, and utilizing available electronic services.

This feature is particularly important for newcomers, as registration for public health insurance can take place before arriving in Germany, such as for university and master's students who need proof of insurance as part of the visa process. Therefore, digital services help track applications, access documents, and communicate with the company before studies or work begin. Moreover, easy communication with BARMER makes dealing with administrative procedures and understanding the German health insurance system much easier.

How to register for this insurance is explained in the article: Public BARMER health insurance in Germany].

Additional security features BARMER Governmental

In addition to the basic medical coverage provided by the German public health insurance system, BARMER A set of additional services aimed at supporting health prevention and encouraging members to continuously take care of their health.

Among the most prominent of these services Health prevention programs, which include certified courses in areas such as physical activity, healthy nutrition, stress reduction, and relaxation. These programs help members develop a healthy lifestyle and prevent certain health risks before problems arise.

As it also provides BARMER Bonus Program...where members can earn points by participating in various health-related activities, such as preventive screenings, vaccinations, participation in sports activities, or health and prevention courses. These points can be converted into cash rewards or used to receive subsidies for certain additional health services.

Examples of services that can be utilized through the rewards program include: subsidies for the cost of professional teeth cleaning (Professional teeth cleaning), some manual therapy services such as Osteopathysports and fitness-related services, and some additional health checks or services that are not always covered by basic government insurance.

The company also provides digital services that help members easily manage their insurance, such as tracking membership, uploading documents, and managing certain procedures via an app My BARMERwhich makes it easier to take advantage of these benefits, especially for students and newcomers who may start their insurance procedures before arriving in Germany.

AOK public health insurance

is considered AOK One of the largest public health insurance companies in Germany, characterized by its wide reach and local branches in most regions. It is suitable for people who prefer direct interaction and local support near their place of residence.

AOK is one of the largest statutory health insurance companies in Germany. It features a wide network of branches and offices spread across many German states and cities. This extensive presence makes it a convenient choice for people who prefer direct communication and visiting a nearby branch. This is especially important for newcomers who may need support at the beginning of their stay in Germany.

Furthermore, the presence of local branches provides the opportunity for direct, personal consultation. This facilitates many procedures such as inquiring about membership, submitting documents, and modifying data. This is particularly useful for people who are still getting to know the German health insurance system and prefer direct communication with staff rather than relying entirely on apps and digital services.

Although AOK It is one of the largest public health insurance companies in Germany, yet its organizational structure differs from some other insurance companies, as it operates through relatively independent regional branches depending on the federal state or region, rather than through a fully centralized system.

This regional organization grants the insured the advantage of having a local entity close to them. However, this also means that some details may vary from one branch to another. Some additional benefits, reward programs, digital services, or the level of support may vary depending on the responsible AOK branch for the place of residence.

Changing your place of residence within Germany may also sometimes require transferring your insurance file to the new local AOK branch, because the system relies on regional branches rather than a fully centralized administration. Therefore, the insured person's experience may vary depending on the federal state or region in which they reside.

You can register for this insurance through the article: AOK statutory health insurance in Germany].

KKH public health insurance

is considered KKH (Kaufmännische Krankenkasse) One of the well-known public health insurance companies in Germany, distinguished by its focus on providing personalized service to members while offering a range of health programs and digital services.

Features KKH (Kaufmännische Krankenkasse) With its focus on direct communication with members and providing personalized support when needed, rather than relying entirely on digital services, the company focuses on helping the insured understand procedures and resolve insurance-related issues. This makes it a suitable choice for people looking for a balance between personal communication and the ease of managing insurance online.

This is particularly useful for newcomers to Germany, who initially need some support. This support includes topics such as registration, submitting documents, or understanding the services provided by public health insurance. Furthermore, having personal support helps facilitate the transition into the German healthcare system, especially for people who are not accustomed to administrative procedures.

On the other hand, it should be noted that KKH has a lower spread compared to some large public health insurance companies like AOK, which has an extensive network of branches in various German regions. This may mean that people who prefer visiting a nearby branch and communicating in person might find fewer options.

Additionally, the company's smaller size and lesser reach compared to some major insurance companies may result in differences in the availability of certain services. Therefore, before choosing KKH, it is recommended to verify the services available in your place of residence.

Insurance BIG Governmental

is considered BIG direkt gesund One of the well-known public health insurance companies in Germany. It is particularly characterized by its strong reliance on digital services and the ease of managing insurance remotely. It is a suitable option for people who prefer to complete their transactions electronically and do not need to visit branches frequently.

BIG direkt gesund is characterized by its strong reliance on digital solutions. Members can manage many insurance procedures online or through the app. These services include submitting documents, tracking requests, and accessing membership information easily. This approach makes handling insurance more flexible, especially for people who prefer to complete their transactions electronically without the need to frequently visit branch offices.

As it also provides BIG direkt gesund Electronic and telephone communication channels help members get remote support. This makes dealing with insurance more flexible, especially for those who prefer digital communication over traditional procedures.

Ease of registration and file tracking are among the features that set BIG apart, as many steps—such as submitting documents and tracking application status—can be completed electronically. This is especially useful for students and newcomers to Germany who need to easily manage their insurance during the transition and settlement phase.

Public health insurance DAK-Gesundheit

is considered DAK-Gesundheit One of the well-known public health insurance companies in Germany. It is characterized by offering a range of additional services that go beyond the basic coverage mandated by the public health insurance system. It is also considered a suitable option for people looking for a balance between insurance costs and the additional benefits provided to members.

One of the points that makes DAK-Gesundheit An attractive option for some people is that the subscription cost is lower compared to some other government health insurance companies, making it a suitable choice for people who care about the financial aspect while maintaining government health coverage.

Progress DAK-Gesundheit for additional support for travel vaccinations, as it can cover up to 90% of the cost of certain travel vaccinations. This feature is particularly useful for people who travel frequently or need additional vaccinations that are not always included in basic services.

The company provides digital health programs that include online coaching and consultation sessions. This allows members to benefit from health and awareness services without the need to visit medical centers directly.

One of the additional benefits offered by DAK-Gesundheit is the possibility of receiving financial support of up to 60 euros for professional teeth cleaning (Professionelle Zahnreinigung). This service is one of the additional benefits that sets it apart from other public health insurance funds.

DAK Fit & Travel package for free

An individual can choose the DAK Fit & Travel package at the same price as the basic package. There are no additional fees for this package. This is considered one of the free benefits not available in other statutory health insurances. This package includes additional benefits such as free travel insurance outside Germany for up to 3 months per year. It also includes rewards when using insurance while traveling. In addition, it includes better hospital health coverage, such as a single room or treatment by the chief physician. This package financially supports health and fitness activities such as gym memberships or the purchase of medical devices.

The company also offers optional insurance packages to suit individual needs, such as:

• DAK Fit & CashReceiving a financial reward for not using medical services for a certain period
• DAK Guarantee TariffThe ability to set a deductible amount and get a refund of up to €600 per year.

In addition to its supplementary health services, it provides DAK-Gesundheit Rewards programs (Bonus ProgramsThese programs allow members to collect points when participating in certain health activities. These points are then exchanged for financial rewards or health services. These activities include preventive medical checkups or health prevention courses.

When should one switch from private to public health insurance in Germany?

In the case of employment, whether part-time or full-time, or university enrollment for bachelor's and master's students, the person must switch to government insurance.

There are two situations in which one must switch from private insurance to government insurance:

University and master's students

The first case concerns students affiliated with the university, such as bachelor's and master's students. It is well known that private insurance provides health coverage during the German language study phase before starting university. In other words, it allows one to continue with this insurance as long as the person is not officially enrolled in the university. Accordingly, the person becomes obligated to switch from private insurance to public health insurance when starting university studies in Germany.

Care Concept offers this procedure in a simple and fast manner. First, the person chooses to register for private health insurance such as Care College. Afterwards, the insurance company registers the person in the public health insurance from their home country. This is done without the need for an address within Germany, so that this public insurance begins upon entering the university. After applying, the person receives an electronic insurance certificate via email, which they use when applying for the visa at the German embassy. The insurance company then communicates electronically with the university via the M10 system in order to confirm the registration in the public health insurance when the student starts entering the university.

Exemption from government student insurance through Care Student insurance

It is not always necessary for a student in Germany to switch from private insurance to public insurance. For example, Care Student insurance allows many students to remain with private insurance and obtain an exemption from public health insurance (Befreiung). This option helps reduce a portion of monthly costs, as Care Student insurance is less expensive than public insurance, making it a suitable and economical choice for international students.

For more details, you can read the article Care Student: The alternative to public health insurance for students in Germany to learn about its benefits, how to register for it, and the target groups

Employees and trainees

Regarding the second case, it is related to work and trainees in Ausbildung programs. The person can continue with private insurance until starting a part-time (Teilzeit) or full-time (Vollzeit) job in Germany. After starting the part-time or full-time job, the person must switch to public health insurance (Gesetzliche Krankenversicherung).
In contrast, this condition does not apply to work Mini-job. Because this type of work does not require switching to public health insurance. Therefore, a person working a Mini-job can continue with private insurance, such as Insurance Care College or Care Student Without the need to change the insurance.

It is important that a person is not registered in the government health insurance by their employer, because the employer often chooses the cheapest option in order to reduce the costs of which they bear a part within the insurance system. Therefore, it is preferable for a person to register for government health insurance themselves directly online.

When can I switch insurance? Governmental To private insurance in Germany?

Transition from insurance Governmental My students

The age factor is important for registration and transfer in government student insurance:

• If you are under 29 years old, you can get government student health insurance through one of the approved companies mentioned earlier.
• If you are over 29 years old, you cannot register for the special government student health insurance. You therefore need to switch to Care Student Insurance.

Transition from insurance Governmental Work-related

A person can, after or before the end of their employment depending on their insurance status, notify the government health insurance company of their wish to terminate their membership. This usually requires providing proof of alternative health insurance, such as private health insurance provided by Care Concept As explained in the previous paragraph, after reviewing the documents and meeting the required conditions, the government insurance is officially terminated and transitioned to private health insurance.

Filling out the registration form for DAK-Gesundheit public health insurance

There will be a special video about the DAK-Gesundheit public health insurance on My YouTube channel.

في البداية من المهم تعبئة البيانات الشخصية في هذه الاستمارة، لأتمكن من متابعة ملفاتكم داخل منصة DAK مع الموظفين المسؤولين وتصبح عملية فتح الحساب أسرع وأسهل.

يرجى الدخول إلى موقع DAK من هذا الرابط، حيث توجد العديد من مواقع الاحتيال، لذلك قد يكون من الخطير رفع معلومات شخصية حساسة عليها، خصوصا عندما يتعلق الأمر بالبيانات المالية.

When opening the link, the main registration page appears. To start the joining procedures for I don't know, the option is pressed Become a member now.

Selecting the DAK-Gesundheit statutory health insurance category

In this step, you are asked to select the category that applies to your current situation to help you fill out the appropriate insurance application. The main options include:

• I am employed: In case you are an employee (Employee).
• I am an apprentice: If you were a trainee in the vocational training program (Trainee).
• I am a studentIf you are a student at the university (Student).

You must choose the appropriate option according to your current status, because some of the data required in the following steps differ between employees, students, and trainees.

Determining the type of study when registering for DAK-Gesundheit public health insurance

This section appears for people who chose the study category in the previous step. At this stage, you are asked to specify whether you are enrolled in a dual study program (Dual Study ProgramThis system combines university studies and practical training at a company at the same time.

If you are studying under this system, choose Yes. However, if you are a Master's student or in a regular university program, choose No To continue.

Required information needed to secure state-run DAK-Gesundheit insurance

exposed DAK-Gesundheit This step contains some information required to complete the membership application. This data includes the name of the current health insurance company, employer details, and the start date of employment for employees, in addition to uploading a personal photo to be used on the health insurance card.

Entering basic personal data for statutory DAK-Gesundheit insurance

First, we enter the first name and last name as they are written in the passport. We also enter our email address.

In this step, the public health insurance DAK-Gesundheit asks you to enter some basic information regarding your personal data. This data includes:

• Date of Birth (Date of birth).
• Birth name (Birth name) if it is different from the current name.
• مكان الميلاد (Place of birth).
• بلد الميلاد (Country of birth).
• الجنسية (Nationality).

يجب إدخال هذه المعلومات بدقة، لأنها تستخدم للتحقق من الهوية وإتمام إجراءات التسجيل في التأمين الصحي.

Enter residential address and contact information

في هذه الخطوة يطلب منك تأمين DAK-Gesundheit الحكومي إدخال معلومات مكان إقامتك الحالي وبيانات التواصل معك. تشمل البيانات المطلوبة:

• الرمز البريدي (Postcode).
• المدينة (Town).
• اسم الشارع (Street).
• رقم المنزل (House number).
• إضافة العنوان (Address supplement) في حال وجود تفاصيل إضافية مثل الطابق أو المبنى الخلفي.
• بلد الإقامة (Country).

كما يجب إدخال رقم الهاتف للتواصل، حيث يتم تحديد رمز الدولة (Country code) والرمز البريدي (Area code) ثم رقم الهاتف (Telephone number)
يجب التأكد من صحة عنوان السكن، لأن I don't know سترسل المستندات المهمة المتعلقة بالعضوية وبطاقة التأمين الصحي إلى هذا العنوان.

Identify the responsible employer or university

في هذه الخطوة تختلف البيانات المطلوبة حسب الفئة التي اخترتها في بداية التسجيل في I don't know:

• إذا كنت موظفا أو متدربا، يطلب منك إدخال اسم صاحب العمل أو التدريب(Search for employer).
• إذا كنت طالبا، يطلب منك تحديد الجامعة التي ستدرس فيها، وذلك من خلال اختيار اسم الجامعة من القائمة (Select university).

تستخدم I don't know هذه المعلومات لتحديد الجهة المرتبطة بالتأمين وإرسال البيانات المطلوبة بشكل صحيح ضمن إجراءات التسجيل.

Determine the start date of work or the beginning of studies

في هذه الخطوة يطلب منك إدخال التاريخ المرتبط بوضعك الحالي حسب الفئة التي اخترتها عند التسجيل في I don't know. بالنسبة للموظفين يتم تحديد تاريخ بدء العمل في الشركة أو المؤسسة. أما الطلاب فيتم إدخال تاريخ بداية البرنامج الدراسي أو الفصل الدراسي.

يستخدم هذا التاريخ لتحديد بداية العضوية وتنظيم إجراءات التأمين الصحي وفقا لوضعك الدراسي أو الوظيفي.

Determining the monthly income level

تظهر هذه الخطوة عند التسجيل ضمن التأمين الصحي الحكومي للموظفين، حيث يطلب منك تحديد فئة الدخل الشهري الإجمالي (Bruttoeinkommen) قبل خصم الضرائب والاشتراكات. تساعد هذه المعلومات I don't know على تحديد وضعك التأميني وحساب الاشتراكات وفقا للقوانين المعمول بها.

يتم الاختيار بين عدة فئات، تشمل دخلا شهريا يصل إلى 603 يورو، أو دخلا بين 603 و6150 يورو، أو دخلا يتجاوز 6150 يورو. ويجب اختيار الفئة التي تتوافق مع راتبك الإجمالي الشهري وليس الراتب الصافي الذي تحصل عليه بعد الخصومات.

Determine additional cases based on your insurance status

تختلف هذه الخطوة حسب الفئة التي اخترتها في بداية التسجيل في I don't know، حيث تختلف الأسئلة المطلوبة بين الطلاب والموظفين. يتم في هذه المرحلة السؤال عن بعض الحالات الإضافية التي قد تؤثر على وضعك التأميني.

Additional student cases

يطلب منك في هذه الخطوة تحديد ما إذا كانت هناك حالات خاصة قد تؤثر على وضع التأمين الصحي. وتشمل هذه الحالات وجود أطفال (بيولوجيين أو بالتبني أو أطفال رعاية)، وجود إعفاء من التأمين الصحي الإلزامي، الحصول على معاش تقاعدي أو مخصصات تقاعد وظيفي، عدم إمكانية الاستفادة من التأمين العائلي، وجود وظيفة إضافية، أو ممارسة عمل حر إلى جانب الدراسة.

Additional employee statuses

تتعلق هذه الأسئلة بشكل أكبر بعلاقتك بالعمل وجهة التوظيف، حيث تهدف إلى تحديد وضعك التأميني بشكل دقيق. وتشمل الحالات التي يجب توضيحها، مثل كونك شريكا أو مساهما في الشركة، وجود صلة قرابة مع صاحب العمل، ممارسة عمل حر بجانب الوظيفة، وجود وظيفة إضافية، أو الحصول على معاش تقاعدي أو تقديم طلب للحصول عليه.

بعد ذلك يطلب منك تحديد ما إذا كانت هناك حالات إضافية قد تؤثر على وضعك التأميني كموظف. وتشمل هذه الحالات الحصول على إعانة المواطن (Bürgergeld)، أو وجود إعفاء من التأمين الصحي الإلزامي، أو تلقي مخصصات وفق أنظمة الرعاية الخاصة بالموظفين الحكوميين (Civil Service Benefits Act).

إذا لم تنطبق عليك أي من هذه الحالات، يمكنك اختيار الخيار الأخير الذي يفيد بعدم وجود أي حالة من الحالات المذكورة.

Determine the current type of health insurance

في هذه الخطوة يطلب منك تحديد نوع التأمين الصحي الذي لديك حاليا قبل التسجيل في I don't know. تشمل الخيارات المتاحة:

• التأمين الصحي الحكومي (Statutory): في حال كنت مشتركا حاليا في تأمين صحي حكومي داخل ألمانيا.
• التأمين الصحي الخاص (Private): في حال كان لديك تأمين صحي خاص.
• تأمين صحي من خارج ألمانيا (Abroad): في حال كان تأمينك الصحي صادرا من خارج ألمانيا.

في حال اختيار خيار التأمين الصحي الحكومي (Statutory) في الخطوة السابقة، يطلب منك تحديد اسم شركة التأمين الصحي الحكومية التي تشترك بها حاليا.

في حال اختيار خيار التأمين الصحي من خارج ألمانيا (Abroad) في الخطوة السابقة، يطلب منك تحديد ما إذا كان التأمين الصحي الأجنبي الخاص بك ما زال ساري المفعول أم لا.

تستخدم I don't know هذه المعلومة لمعرفة وضعك التأميني الحالي وتحديد الإجراءات المطلوبة لإتمام التسجيل. يجب اختيار نعم إذا كان لديك تأمين صحي أجنبي ما زال فعالا، أو No إذا انتهت صلاحيته أو لم يعد موجودا.

Adding family members to the DAK-Gesundheit statutory health insurance

في هذه الخطوة يطلب منك تحديد ما إذا كنت ترغب في إضافة الزوج أو الأطفال إلى تأمينك الصحي ضمن التأمين العائلي المجاني (Familienversicherung) في I don't know.

إذا كان لديك أفراد من العائلة تنطبق عليهم شروط التأمين العائلي وترغب في تسجيلهم، اختر نعم. أما إذا لم يكن لديك زوج أو أطفال ترغب في إضافتهم، أو لا تريد الاستفادة من هذه الخدمة، فاختر No.

Upload the university acceptance letter

تظهر هذه الخطوة عند التسجيل كطالب في I don't know، حيث يطلب منك رفع خطاب القبول أو إثبات التسجيل من الجامعة (Admission letter from your university).

يجب التأكد من أن الملف بصيغة مدعومة مثل JPG أو PNG أو PDF وألا يتجاوز الحجم الأقصى 5 ميغابايت.

Determine the number of family members to be added to the DAK-Gesundheit public health insurance

في هذه الخطوة يطلب منك تحديد عدد الأشخاص الذين ترغب في إضافتهم إلى تأمينك الصحي ضمن التأمين العائلي المجاني (Familienversicherung) في DAK-Gesundheit. يشمل ذلك الزوج أو الأطفال الذين يستوفون شروط الاستفادة من التأمين العائلي، حيث يمكن تأمينهم ضمن نفس العضوية دون دفع اشتراكات إضافية، وفقا للقواعد المحددة في نظام التأمين الصحي الحكومي الألماني.

Upload the health insurance card image and confirm the submission of the DAK-Gesundheit public health insurance application

في هذه المرحلة الأخيرة من التسجيل في I don't know، يطلب منك رفع صورة شخصية لاستخدامها على بطاقة التأمين الصحي (Gesundheitskarte).

لا يشترط أن تكون الصورة بيومترية مثل صورة بطاقة الهوية، ولكن يجب أن تكون صورة حديثة يظهر فيها وجهك بشكل واضح. يجب أن تكون الصورة بصيغة JPG وألا يتجاوز حجمها 5 ميغابايت.

كما تظهر خانة موافقة اختيارية تسمح لـ I don't know أو مزودي الخدمات التابعين لها بمعالجة بياناتك المخزنة لإرسال معلومات حول الخدمات والمزايا والعروض والاستبيانات. هذه الموافقة ليست ضرورية لإتمام التسجيل ويمكن سحبها في أي وقت.

بعد مراجعة جميع البيانات، يمكنك الضغط على Submit Application لإرسال طلب العضوية وإكمال التسجيل في التأمين الصحي.

بعد إرسال الطلب بنجاح، يكون الشخص قد أتم خطوات التسجيل في تأمين DAK-Gesundheit الحكومي. تتم معظم الإجراءات اللاحقة عبر البريد، حيث ترسل I don't know المستندات المهمة إلى العنوان المسجل، مثل بطاقة التأمين الصحي وتفاصيل العضوية والمعلومات المتعلقة بالتأمين.

كما يمكن متابعة بيانات التأمين والخدمات المتاحة بسهولة من خلال تطبيق I don't know، الذي يوفر إمكانية الوصول إلى معلومات العضوية، المستندات الرقمية، الخدمات الإلكترونية، والتواصل مع شركة التأمين عند الحاجة.

Conclusion

يُوفر تأمين DAK-Gesundheit الحكومي في ألمانيا تغطية صحية متكاملة للطلاب والموظفين. يعتمد اختيار الباقة المناسبة لهذا التأمين على عمر المشترك ووضعه الدراسي أو المهني. لذلك يُنصح بالتفكير مليا قبل اتخاذ قرار الانتقال من التأمين الصحي الخاص إلى التأمين الصحي الحكومي، لضمان الاستفادة من التغطية الصحية والمزايا التي يوفرها التأمين والامتثال للمتطلبات القانونية في ألمانيا.