[17], [17] https://www.greenbacktaxservices.com/blog/american-expats-in-germany-taxes/, Unlike some of its European neighbors, Germany is not typically a retirement destination for expats, although its high standard of living and excellent healthcare infrastructure offers an attractive prospect. Rain falls mostly in the summer, but a lightweight raincoat and sweater are good to have on hand all year round. Whole health is a new way to think about care that allows Cigna to look at the full picture. Other popular alcoholic beverages include brandy and schnapps. About Cigna. Time zone As a world leader in medical research, Germany offers expats excellent healthcare infrastructure and both public and private facilities have the highest standards of care. Cigna International Health Claims and Phone Numbers. Germany’s reputation for order and precision is certainly no myth and expats can look forward to excellent pubic transport, exemplary healthcare and good-quality schools. Contact Cigna Customer Service at 1 (800) 997-1654 or visit this page to find specific phone numbers for plan and coverage questions or a claims mailing address. [15], Most expats who move to Germany for work do so as part of an international transfer from their company overseas, and can expect to be well paid. [1], While EU nationals are able to seek employment in Germany without a work permit, non-EU nationals who intend to settle and work there will need a work permit (Arbeitserlaubnis). We have solutions for both Small/Medium groups with 2-49 expatriate employees and Large groups with 50 or more expatriate employees. Group Universal Life (GUL) insurance plans are insured by CGLIC. In line with this, Germans are very private people and generally prefer to keep a strict separation between their work and home lives. Medical staff are well trained and many will be able to speak English. On the whole, dental care in Germany is considered expensive, especially due to the recent cuts in insurance schemes. Cigna Global Expat Health Insurance provides medical insurance and health services for employees across the world. Home. Insurance for dental treatment in Germany. „Cigna®” ist eine eingetragene Servicemarke der Cigna Intellectual Property, Inc. und für die Verwendung durch die Cigna Corporation und ihre Tochtergesellschaften lizenziert.  Christianity, Currency Learning to speak German will certainly help when it comes to establishing business relationships. Germans may place great importance on rules and people are expected to follow them. Deutsche Post is responsible for the national postal service and is generally very fast and reliable. : As the home of the infamous Oktoberfest and the world’s oldest brewery, it goes without saying that Germany is a beer-drinking nation. INA is the first marine insurance company in the United States, and it remains the nation’s oldest, stockholder-owned insurer. People in Germany generally choose to rent rather than buy property. A third option would be to purchase a global health insurance plan that will cover you in Germany and throughout the world. Notes: 5, 10, 20, 50, 100, 200 and 500 EUR, Coins: 1, 2, 5, 10 and 20 cents, and 1 and 2 EUR. In 1792, at a meeting in Philadelphia’s Independence Hall, a group of prominent citizens formed the Insurance Company of North America (INA). Although many Germans can speak and understand English, getting to grips with the German language will go a long way to helping expats assimilate fully into their new surroundings. Money is available in the following denominations: Expats will find it easy to manage their finances in Germany thanks to the country’s sophisticated banking system. [10], Sauerkraut, made from fermented cabbage, is perhaps the most famous of German foods and is often served as a side dish. [21], [20] https://www.german-way.com/travel-and-tourism/public-transport-in-germany/, [21] https://www.expatarrivals.com/europe/germany/transport-and-driving-germany. Assumption of the Virgin Mary – 15 August, [12] https://www.officeholidays.com/countries/germany. The general rule is to at least order a beer, accompanied by the traditional toast, “Prost.”.  82 million, Emergency number : Electricity Learning the German language may be the biggest hurdle, but the German people are generally welcoming to expats, and as long as they respect the rules and those around them. Cigna ist ein internationales Gesundheitsdienstleistungsunternehmen, dessen erklärtes Ziel lautet, Menschen zu helfen, ihre Gesundheit und ihr Wohlbefinden zu verbessern und ihre innere Ruhe zu stärken. Public schooling is free to all children, including expats, and offers a good option for those with very young children or those planning on making Germany their permanent home. Aetna International are committed to supporting member health and wellness, no matter where you are in the world. Health Insurance in Germany for Expats. Thanks to healthy competition between budget airlines, domestic air travel is also a fast and convenient way of transport between the major urban centers. [19], [19] https://www.expatarrivals.com/europe/germany/doing-business-germany, Germany has a sophisticated public transport network and expats will have no problems getting around.  Berlin, Population Driving in Germany is easy thanks to the country’s excellent road infrastructure. Anyone planning on living in Germany will also need to apply for a residence permit (Aufaenhait), regardless of their nationality. Expats can only take advantage of statutory health insurance if they’re formally employed by a company in Germany. Fees are also high, so this is something expats will need to budget carefully for. By submitting this form, I confirm that I agree to Cigna’s use and/or transfer of my personal data for direct marketing purposes, unless otherwise indicated by ticking the box below. The following private insurance companies provide dental coverage for expats in Germany: Allianz Care; Cigna Global; ARAG; AXA; DFV; The cost of dentistry in Germany. All students under 30 in Germany can take advantage of a special student discounted rate for public health insurance. As such, the country attracts highly skilled expats within these industries. Taxpayers will also be subject to a solidarity surcharge of 5.5% of taxes paid. Although expats coming from a Western society are unlikely to suffer any major culture shock, there are aspects of life in Germany that may take some getting used to. An everyday guide to expatriate life and work, in Germany. An economic powerhouse in Europe, Germany continues to attract highly skilled expats in search of exceptional living standards and international experience in its innovative and exciting high-tech industries. However, not all apartments offer this package and new tenants may need to look for a service provider. As a predominantly Christian nation, Germany’s public holidays[12] largely coincide with important dates on the Christian calendar. Expats planning on moving to Germany should try to arrange comprehensive health insurance before departing for the country. : We want to be your partner for success so your business and people thrive, wherever they are in the world. In Europe, Cigna brings together the strength of its 2,700 employees, diverse business lines and financial means to offer best in class products and services to its clients and customers. Two types of health insurance exist in Germany: private health insurance through a company, or statutory health insurance provided by the state. Expats shouldn't be offended if someone corrects their behavior, such as being told that they have parked incorrectly. Looking for expat health insurance for Germany? Cigna does not control the linked sites' content or links. Cigna Inspire Germany is a benefits package specifically created for companies based in Germany with a globally mobile population. Since 1 January 2009, anyone resident in Germany is required to possess health insurance cover from a provider licensed in Germany. Further from the cities, iconic German fachwerk (half-timbered) houses, cottages, and bauernhauser (farmhouses) are also available. However, if you wish to take up long-term residence in Germany you must exchange the card for a local health insurance scheme. Appearances are also important, with business attire usually formal and conservative; dark suits and business wear for both men and women working in corporate environments, although more creative industries may see workers dressing more casually. Cigna International Organisations, Governmental Organisations & Africa . Most cafés and restaurants also offer free WiFi. A person is considered a tax resident of Germany if they reside in the country for six consecutive months and will be taxed on their worldwide income. Cigna beschäftigt 74.000 Mitarbeiter, die weltweit über 100 Millionen Kunden betreuen. Expats who plan on hiring a car in Germany should be aware that most cars are manual and requesting an automatic car can be considerably more expensive. Many apartments include a wireless connection with the cost worked into monthly rental fees.  110 (police), 112 (ambulance). This guide provides a valuable resource for expats moving to Germany and covers all aspects of life there, from its culture and climate to schooling, healthcare and banking systems. Private German schools are another good option for those wanting their children to fully integrate into the local culture. This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. “Cigna®" is a registered service mark of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its subsidiaries. Cigna Life Insurance Company of Europe S.A.-N.V. ("Cigna"), an insurance company registered in Belgium (under registration number 0421.437.284) with limited liability and authorised under licence number 0938. As well as this, the plan offers a wide range of cost share and deductible options on International Medical Insurance and International Outpatient, allowing you to tailor a plan to suit your budget. [13] Expats will find competitive rates for both contract and pay-as-you-go options. All our solutions have core cover as standard. We’ll Inspire you with the flexibility of our health and wellbeing plans. If you are self-employed or retired in Germany, get private health insurance from a provider such as Cigna. Overall the country enjoys a temperate climate with warm summers and mild to cold winters, but it does vary across the terrain, ranging from a maritime climate in the north to a mountain climate in the Alpine regions and parts of the German Uplands. This is charged at €105.05 (students under the age of 23) or at €106.93 (students age 23 and above) per month and covers both public healthcare and nursing care insurance.International Students over 30 are eligible to choose between public and private healthcare. Today, Cigna Corporation and its subsidiaries serve millions of people worldwide through medical, dental, life accident and disability benefit plans and insurance. Tickets are interchangeable across the different modes of transport and prices vary according to what zone a person travels through.[20]. It has been in business for over 30 years. There are no major health risks for expats traveling to Germany. The German healthcare system is one of the best in Europe. They will also need to show that they have adequate financial means to support their stay as well as proof of health insurance. As with most aspects of life in Germany, the business culture is known to be formal and conservative. Germany’s public transport is efficient and convenient but it comes at a price. We’ve accomplished this by holding fast to one principle: that it’s our mission to ensure the health and well-being of every customer we serve. We offer a full suite of health services, allowing our clients to design a tailored, integrated solution to meet the needs of their employees working globally, as well as to help meet their business objectives. Create a tailored plan for you and your family today. The cost of living in Germany is generally quite high, but on par with most of Western Europe. Utilities are not usually included in the monthly rent. German is the official and most widely spoken language in the country. Contact Information. Pork features strongly, and is usually served in the form of sausages such as bratwurst and bockwurst. Germany’s education system adheres to high standards, but as each state is responsible for setting its own policies and curriculum, expats will find that teaching styles and facilities vary across the country. Expats can only take advantage of statutory health insurance if they’re formally employed by a company in Germany. http://www.expatarrivals.com/europe/germany/visas-germany, https://www.expatarrivals.com/europe/germany/accommodation-germany, https://www.german-way.com/history-and-culture/education/the-german-school-system/, https://www.expatarrivals.com/europe/germany/education-and-schools-germany, https://www.expatarrivals.com/europe/germany/weather-germany, https://www.expatarrivals.com/europe/germany/culture-shock-germany, https://www.livescience.com/44007-german-culture.html, https://www.kwintessential.co.uk/resources/guides/guide-to-germany-etiquette-customs-culture-business/, https://germanculture.com.ua/german-cuisine/german-food/, https://www.officeholidays.com/countries/germany, https://www.budde.com.au/Research/Germany-Mobile-Infrastructure-Broadband-Operators-Statistics-and-Analyses, https://www.expatarrivals.com/europe/germany/keeping-touch-germany, https://www.economywatch.com/world_economy/germany/industry-sector-industries.html, https://www.expatarrivals.com/europe/germany/working-germany, https://www.greenbacktaxservices.com/blog/american-expats-in-germany-taxes/, https://www.expatbriefing.com/country/germany/living/retirement-for-expats-in-germany.html, https://www.expatarrivals.com/europe/germany/doing-business-germany, https://www.german-way.com/travel-and-tourism/public-transport-in-germany/, https://www.expatarrivals.com/europe/germany/transport-and-driving-germany, https://www.expatarrivals.com/europe/germany/banking-money-and-taxes-germany, General Data Protection Regulation (GDPR), Insurance Product Information Documents (IPID). Life will obviously be more expensive in the major urban centers. [16], [15] https://www.economywatch.com/world_economy/germany/industry-sector-industries.html, [16] https://www.expatarrivals.com/europe/germany/working-germany, Income tax rates in Germany are paid on a progressive scale of 5 to 45% and are automatically deducted from an employee’s paycheck by their employer. Employers usually share the cost of health insurance with their expat employees and may pay half of the cost per month, regardless of whether the expat has chosen private or statutory health insurance, so it’s important to clarify this when negotiating a work contract. Drinking is a central aspect of the German social scene. International schools remain a popular choice for expats in Germany and there are many good options to choose from, particularly in Munich and Berlin. Most major cities have an integrated transport network consisting of buses, trams, U-Bahn (underground trains) and S-Bahn (suburban trains) and it’s not necessary to have a car. Two-pin European plugs are standard. [2], [2] http://www.expatarrivals.com/europe/germany/visas-germany. Menu ; Search... Close . Cigna Life Insurance Company of Europe S.A.-N.V. ("Cigna"), an insurance company registered in Belgium (under registration number 0421.437.284) with limited liability and authorised under licence number 0938. The closer one lives to the city center the more they will likely pay, so many expats may choose to seek accommodation in the outlying areas where they will find a better balance between cost and space. With modular, flexible options, our Inspire product range caters for all employee plan needs.  GMT +1 (GMT +2 from the end of March to the end of October). Accommodation is particularly expensive, and it’s not uncommon for rent to take up almost half of one’s salary. Drive on the A real estate agent may also come in handy, but at a high price; sometimes as much as one month’s rent. Although English is widely spoken and commonly used in business at the multinational level, expats shouldn't automatically assume their associates can speak English. Pharmacies are usually open during the day, but there will normally be a list in the window of nearby pharmacies that are open afterhours for emergencies. It's compulsory for all residents in Germany to have health insurance, including expats with a residence permit or a fixed-term contract for more than a year. Generally, leases are signed for a year, but it may be possible to negotiate a shorter term, depending on the landlord. Cigna provides health insurance solutions for people in more than 200 countries and territories, catering for millions who have chosen to relocate to a new country. There are also opportunities in other major sectors such as IT, engineering, chemistry and physics. Information for Expatriates about Health Insurance Germany, Travel Health Insurance, International Health Insurance. Our large global health care network with round-the-clock access to clinicians, and service commitment means we are there when your employees need us. Cigna has been in business since 1792. There are also tips on social and business etiquette, and how to keep in touch and navigate the public transport system. However, if you are EU citizen, you can check out public health insurance. About Cigna International health insurance plans. All children in Germany between the ages of six and 18 are required to attend school. Keeping each other in check can be seen as a social duty and part of general etiquette in Germany. Cigna Global Health Insurance offers world-class customer service to globally mobile customers. A handshake is the customary greeting in professional contexts. The official currency in Germany is the Euro (EUR), which is divided into 100 cents. Those nationals not on the visa-waiver list will need to apply for a Schengen visa before arriving in the country.

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