Germany has had compulsory health insurance since 2009. Nevertheless, according to the Federal Statistical Office, in 2019 about 61,000 people were without health insurance. If you don’t have health insurance, your contribution debts will pile up. It can even lead to your bank account being seized. In addition, insurers impose surcharges for late payment. Fine for no health insurance can amount to up to 14 months of contribution payments. Also, if you go to a doctor without insurance, you would have to pay cash, which can be very expensive. Apart from this, health insurance confirmation is one of the documents which you must present at the Foreigners Department appointment to apply for the residence permit or blue card.
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