Assumption of the Virgin Mary – 15 August, [12] https://www.officeholidays.com/countries/germany. 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. Group Universal Life (GUL) insurance plans are insured by CGLIC. Cigna Global Health With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family.  Euro. Cigna Global Health Insurance offers world-class customer service to globally mobile customers. Keeping each other in check can be seen as a social duty and part of general etiquette in Germany. Enjoy easy access online and via the mobile app. Find out everything you need to know about the health care system in Germany, including how to arrange private health insurance for Germany and the standards of health care available.  Christianity, Currency In line with Germany’s reputation as a high-tech nation, expats will enjoy a sophisticated telecommunications infrastructure that makes keeping in touch easy and convenient. However, if you are EU citizen, you can check out public health insurance. Cigna has its registered office at Avenue de Cortenbergh 52, 1000 Brussels, Belgium. If you are self-employed or retired in Germany, get private health insurance from a provider such as Cigna. Medical staff are well trained and many will be able to speak English. A third option would be to purchase a global health insurance plan that will cover you in Germany and throughout the world. These mostly offer reasonable rates and excellent service. 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. Expats will have access to excellent healthcare in Germany, but it’s compulsory to have some form of health insurance, so this will need to be budgeted for. For the best experience on htmlWebpackPlugin.options. The general rule is to at least order a beer, accompanied by the traditional toast, “Prost.”. These range from furnished apartments and maisonettes to trendy studio apartments, cottages and large family homes. Foreigners are able to drive for up to six months on any foreign or international driver's licence before they're required to apply for a German licence. With modular, flexible options, our Inspire product range caters for all employee plan needs. On the whole, dental care in Germany is considered expensive, especially due to the recent cuts in insurance schemes. Expats shouldn't be offended if someone corrects their behavior, such as being told that they have parked incorrectly. Fees are also high, so this is something expats will need to budget carefully for. In order to open an account, expats will need to provide their residence card, proof of address and passport. Further from the cities, iconic German fachwerk (half-timbered) houses, cottages, and bauernhauser (farmhouses) are also available. Although English is widely spoken and commonly used in business at the multinational level, expats shouldn't automatically assume their associates can speak English. It’s more difficult to move there without a job and seek employment without an already established network. Cigna has been in business since 1792. Whatever your health insurance needs, our International Medical Plans can be tailored to meet them, while always offering a global support network of hospitals and medical professionals. Create a tailored plan for you and your family today. Rain falls mostly in the summer, but a lightweight raincoat and sweater are good to have on hand all year round. 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. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). An everyday guide to expatriate life and work, in Germany. The official currency in Germany is the Euro (EUR), which is divided into 100 cents. I have read and accepted the Personal Information Collection Statement of Cigna. Anyone planning on living in Germany will also need to apply for a residence permit (Aufaenhait), regardless of their nationality. We’ll Inspire you with the flexibility of our health and wellbeing plans. Bread also features strongly and is served at almost every meal – expats can look forward to a wide variety of wheat and rye breads from fresh farm bread to pretzels and pumpernickel. Cigna beschäftigt 74.000 Mitarbeiter, die weltweit über 100 Millionen Kunden betreuen. Germany now has the largest mobile phone market in Europe, which is dominated by Telefónica Germany, Telekom Deutschland and Vodafone 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. To learn more about health solutions, complete our short contact form. Expats will need to get a tax card when they start working in Germany – this is issued by the local council in which an expat is registered. 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. Germans may place great importance on rules and people are expected to follow them. INA is the first marine insurance company in the United States, and it remains the nation’s oldest, stockholder-owned insurer. Drinking is a central aspect of the German social scene. Many apartments include a wireless connection with the cost worked into monthly rental fees. Cignaglobalhealth.com no longer supports the browser you are using. There are reliable internet services across Germany and a vast variety of service providers to choose from, including 1&1, O2 and T-Home. There are no specific retirement visas for Germany, and retirees need to secure a residence permit if wanting to settle there. Group Universal Life (GUL) insurance plans are insured by CGLIC. Since 1 January 2009, anyone resident in Germany is required to possess health insurance cover from a provider licensed in Germany. Spring is often slow to arrive, while Indian summers reaching into October can make an appearance every so often.  GMT +1 (GMT +2 from the end of March to the end of October). 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). All rights reserved. Punctuality is important and being late is considered a sign of disrespect, in both social and business circles. 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. 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. Group Universal Life (GUL) insurance plans are insured by CGLIC. Whole health is a new way to think about care that allows Cigna to look at the full picture. [5], [4] https://www.german-way.com/history-and-culture/education/the-german-school-system/, [5] https://www.expatarrivals.com/europe/germany/education-and-schools-germany, The weather in Germany can be rather inconsistent at times. This option is great for expats or foreigners who would like coverage in Germany, at home, and in any other country in the world. The German healthcare system is one of the best in Europe. Two types of health insurance exist in Germany: private health insurance through a company, or statutory health insurance provided by the state.  220 volts, 50Hz. [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. Cigna offers tailored health insurance and employee benefits programmes for IGOs, NGOs, international businesses and their globally mobile employees. Major players in the automobile, technology and pharmaceutical industries have their headquarters in Germany, including BMW, Volkswagen, Siemens and Bayer and Merck. [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.  Right, Major Religion [2], [2] http://www.expatarrivals.com/europe/germany/visas-germany. High-speed InterCity Express trains tend to be more expensive, while regular InterCity trains provide a cheaper alternative. Request an online quote for international health and our insurance experts will provide a custom pricing for international insurance plans. 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. However, not all apartments offer this package and new tenants may need to look for a service provider. 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. 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. Create a comprehensive expat health insurance plan for living in Germany with Cigna. [18], [18] https://www.expatbriefing.com/country/germany/living/retirement-for-expats-in-germany.html. Deutsche Post is responsible for the national postal service and is generally very fast and reliable. : Learning to speak German will certainly help when it comes to establishing business relationships. We want to be your partner for success so your business and people thrive, wherever they are in the world. Pharmacies tend to be well-stocked, but all medications, including non-prescription drugs, are kept behind the counter. It’s best to address a business associate by their surname, which is to be preceded by Herr if a man and Frau if a woman. 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. German is the official and most widely spoken language in the country. Cigna does not control the linked sites' content or links. All students under 30 in Germany can take advantage of a special student discounted rate for public health insurance. 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. We’ll Inspire you with the flexibility of our health and wellbeing plans. It's a tradition favored by many Germans, and declining a drink is often frowned upon. Generally, leases are signed for a year, but it may be possible to negotiate a shorter term, depending on the landlord. Expats can only take advantage of statutory health insurance if they’re formally employed by a company in Germany. Health Insurance in Germany for Expats. 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. These schools predominantly offer the American or British curriculum, and some also offer the International Baccalaureate program. Aetna International are committed to supporting member health and wellness, no matter where you are in the world. As a global health service leader we help people improve their health, well-being and sense of security, wherever they are in the world. Taxpayers will also be subject to a solidarity surcharge of 5.5% of taxes paid. There are also tips on social and business etiquette, and how to keep in touch and navigate the public transport system. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York (New York, NY). 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. Menu ; Search... Close . This can be increased with our additional options or decreased to best suit your company’s needs. : Looking for expat health insurance for Germany? People in Germany generally choose to rent rather than buy property. 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 a predominantly Christian nation, Germany’s public holidays[12] largely coincide with important dates on the Christian calendar. Cigna has become one of the largest, most well-respected healthcare services company in the world. Whether you wish to speak to our sales team or get general help if you are already a Cigna member, we’ll get you to the right information. Cigna Inspire Germany is a benefits package specifically created for companies based in Germany with a globally mobile population. We want to be your partner for success so your business and people thrive, wherever they are in the world. Cigna Inspire Germany is a benefits package specifically created for companies based in Germany with a globally mobile population. There are numerous options, including state-sponsored and fully independent schools that follow the local curriculum, as well as schools that offer alternate teaching philosophies, such as Waldorf and Montessori.[4]. Information for Expatriates about Health Insurance Germany, Travel Health Insurance, International Health Insurance. Notes: 5, 10, 20, 50, 100, 200 and 500 EUR, Coins: 1, 2, 5, 10 and 20 cents, and 1 and 2 EUR. Cigna Global Expat Health Insurance provides medical insurance and health services for employees across the world. Those nationals not on the visa-waiver list will need to apply for a Schengen visa before arriving in the country. [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. Electricity Get a Quote. Two-pin European plugs are standard. Utilities are not usually included in the monthly rent. About Cigna International health insurance plans. It has been in business for over 30 years. Most cafés and restaurants also offer free WiFi. Selecting these links will take you away from Cignaglobal.com. International schools remain a popular choice for expats in Germany and there are many good options to choose from, particularly in Munich and Berlin. Popular vegetables include cabbage, turnips, potatoes and beets, which are often served in rich stews and soups. Efficiency is paramount in the workplace, as is punctuality, so there is very little time for small talk as Germans prefer to get straight to the point. [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. Bei der Auswahl dieser Links verlassen Sie Cignaglobal.com. Expats can only take advantage of statutory health insurance if they’re formally employed by a company in Germany. [13] Expats will find competitive rates for both contract and pay-as-you-go options. : Here are some factors to consider in order to avoid any awkward social blunders: [7] https://www.expatarrivals.com/europe/germany/culture-shock-germany, [8] https://www.livescience.com/44007-german-culture.html, [9] https://www.kwintessential.co.uk/resources/guides/guide-to-germany-etiquette-customs-culture-business/. Drive on the Spaces are often limited at bilingual and international schools and parents should plan well in advance if wanting to ensure a spot for their children at the school of their choice.  82 million, Emergency number They will also need to show that they have adequate financial means to support their stay as well as proof of health insurance. Cigna has its registered office at Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Buses also travel to destinations across Germany, and offer a more cost-effective, albeit slower, option. [22], [22] https://www.expatarrivals.com/europe/germany/banking-money-and-taxes-germany. As the home of the infamous Oktoberfest and the world’s oldest brewery, it goes without saying that Germany is a beer-drinking nation. There is a range of both local and international banks to choose from, with the leading banks being Deutsche Bank, PostBank and Commerzbank. The Bahn card is a good investment for those planning on using trains regularly as it's valid for a year and often gives discounts. 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 … Cigna International Health Claims and Phone Numbers. As with most aspects of life in Germany, the business culture is known to be formal and conservative. Both high-speed and regular trains connect all major cities and are the most popular means of getting around the country. All children in Germany between the ages of six and 18 are required to attend school.  Berlin, Population Expats planning on moving to Germany should try to arrange comprehensive health insurance before departing for the country. Accommodation is particularly expensive, and it’s not uncommon for rent to take up almost half of one’s salary.  110 (police), 112 (ambulance). Germans value their privacy, so they prefer to keep their personal and professional lives separate. At Cigna Global, we specialize in health insurance policies for expats just like you, ensuring you have the very best of care available to you as and when you need it. Expats are sure to enjoy an excellent quality of life in this formidable European destination. It’s easy enough to search for property online. They’ll also need to make an initial deposit. Home. Pharmacies (Apotheken) are easy to find and can be identified by a large red “A” sign. A real estate agent may also come in handy, but at a high price; sometimes as much as one month’s rent. 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. There are plenty of good quality options when it comes to accommodation in Germany. : [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). Cigna Inspire Germany. 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. To secure a property, the tenant will need to put down a security deposit of at least one month's rent, but in some cases, this can be as high as three months' rent. Schooling can be expensive too, especially if choosing to send children to international schools, but public schools are free and may be a good option for those wanting to stay in Germany long term. 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. On the other hand, if you are making over that amount, it might be better to get private health insurance from Cigna. In 1792, at a meeting in Philadelphia’s Independence Hall, a group of prominent citizens formed the Insurance Company of North America (INA). 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. 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. If a public holiday falls on a Saturday or Sunday, the following Monday becomes a holiday. Tickets are interchangeable across the different modes of transport and prices vary according to what zone a person travels through.[20]. There are also opportunities in other major sectors such as IT, engineering, chemistry and physics. 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. Cignaglobalhealth.com, Javascript must be enabled. Today, Cigna Corporation and its subsidiaries serve millions of people worldwide through medical, dental, life accident and disability benefit plans and insurance. Cigna International Organisations, Governmental Organisations & Africa .