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Ever since the start of 2009, everyone in Germany needs to have medical insurance. It does not matter if your stay is for a short term or a long terms period, you need to be insured. Any stay less than a year is considered short, however if you want to stay for a longer terms then you need to get a local health insurance policy. People who have EHIC, European health insurance card, need to go up to the agencies and ask for exemptions. The terms and conditions regarding the health facilities are complicated; this is why people hire a medical guide provider to sort out their issues. Before you hire someone, you need to have a certain level of understanding of the terms and your eligibility issues. If you would be aware of such things, then you can raise the right questions, save your time and effort while making the right decision. Basically there are two types of health insurance policies offered in Germany; private and state health insurance. It is mandatory for just about everyone to have a state health insurance policy, however not everyone is eligible to purchase a private health insurance policy. There is quite some difference in the way both of these insurance policies work. The state policies are dependent on the net annual income of the person before any deduction. So the higher the pay would be, the more expensive the insurance policy would become. People with higher wages prefer to have private health insurance since they are cheaper. Private health insurance policies are not dependant on the annual income of a person; they are dependent on the usability of the policy. For example, a healthy young person does not require medical treatments to great extents, so the policy is cheaper when compared with the private policy of an older person. You need to know that if you are eligible for a private insurance policy, do not opt for it just like that. Take your time and discuss things with your medical guide, as it would be nearly impossible for you to turn back to state insurance policy. There are certain conditions which might make you eligible for changing to state policy, like if you lose your job, otherwise you would not be allowed. Many people come to Germany to study, there are special insurance policies designed for them. For starters you need to know that you would not eligible for private insurance policies if you are a student. You would need to purchase a state policy at the decent charges of 26 euro per month. These rates are for those students who are studying at state approved universities. A local student with no children and is above 23 years of age can get a policy at 77 euro per month. This basic information needs to be known by everyone before they start consulting with their medical guide. For further and up to date information it would be best that you surf over the internet. BSI-Germany is a Top Medical Guide in Germany that helps patients all over the world to get best stem cell treatment in Germany.
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