Overview of insurance products

Tips and tricks

Using healthcare services in Germany

  • You will receive two copies of form E-106 from Helsana. This form will help you register for mutual benefits assistance with a public health insurance provider of your choice in Germany (usually the one that has most recently provided you with assistance).
  • By registering, you will be given a local insurance card for processing treatment costs in your country of residence and you can visit a doctor, dentist or hospital (compulsory benefit under German law).
  • You pay no co-payment and no deductible, but you do have to pay the practice fees and additional payments for medications. This is because cost contributions in Germany are always governed by the provisions of the statutory health insurance (SHI).

You are subject to German law in this case.