How to choose insurance for migrants: An overview of different options

Migration to Europe brings not only new opportunities but also certain risks, particularly in terms of health. An important step in preparing for the move is choosing insurance for migrants that will provide financial security in the event of accidents or illness. In this article, we will look at how to choose the right health insurance for migrants, what it includes, and how to do it depending on the country of residence.

What insurance is available for migrants in Europe?

Health insurance for migrants is mandatory in most European countries, especially if you are planning a long-term stay or working in the country. The main types of insurance for migrants include:

1. Short-term insurance — suitable for tourists, students, or those temporarily staying in the country. It usually covers medical expenses for the duration of the stay.
2. Long-term insurance — required for workers planning to live in Europe on a permanent basis. This can be public or private health insurance.
3. Insurance for refugees and asylum seekers — some countries have separate programs for people under temporary protection.

When choosing insurance for foreigners in Germany or other EU countries, it is important to consider the specifics of each country, its legal requirements, and the needs that the insurance covers.

Why is it important to have insurance for migrants?

Health insurance for migrants is necessary for several important reasons:

1. Legal requirements
2. In many European countries, health insurance is mandatory for foreigners staying in their territory. Without it, you may face serious problems:
   • Inability to receive medical care for free or at a reduced price.
   • High costs for medical services if you have to go to the hospital or call an ambulance.
   • Possible fines or even deportation if you do not have insurance in countries where it is a requirement for legal residence.
3. Financial security
4. Medical insurance provides protection in case of illness or accident. It covers the costs of:
5. • Treatment in hospitals and clinics.
   • Medicines and consultations with doctors.
   • Emergency assistance in case of an accident.
6. This ensures that even in the event of serious medical problems, you will not have to pay for everything out of your own pocket, which can be very expensive, especially in the case of long-term treatment or operations.
7. Psychological aspect
8. Having medical insurance gives you a sense of security, which is extremely important when adapting to a new country:
9. • You will know that you have access to the necessary medical care.
   • This helps reduce stress and feelings of uncertainty that may arise due to language barriers or unfamiliarity with local rules.

When should you take out insurance for migrants?

You should start looking into health insurance for migrants before you leave your country or immediately after arriving in your new country. Here’s what you need to consider when taking out insurance:

1. Before leaving your country
2. If you are planning a trip or a short stay in Europe, the best option is to take out travel insurance. It covers:
   • Basic medical expenses during your stay.
   • Emergency assistance in case of illness or injury.
   • Treatment in clinics and hospitals, if necessary.
3. This insurance is affordable and does not require large expenses.
4. For long-term stays
5. If you are planning a long-term stay in Europe (for example, for several months or on a permanent basis), you will need to take out long-term medical insurance. It usually covers:
6. • All basic medical services, including hospitalization, outpatient treatment, and medication.
   • The cost of specialized services and procedures that may be required during your stay.
7. If you are working in Europe
8. If you are planning to work in Europe, some employers may provide health insurance as part of your contract. It is important to make sure that the insurance covers all necessary medical services, especially if your job requires heavy physical exertion or contact with people.
9. Registration after arrival in the country
10. If you are already in the country where you plan to work or live, you should take out insurance immediately upon arrival to avoid any problems with medical care.

Where can migrants get health insurance?

Medical insurance for migrants can be obtained through various channels:

1. Insurance companies are the most common option for those staying in Europe on a long-term basis. You can contact leading insurance companies that offer medical insurance for foreigners.
2. Online platforms — many companies allow you to take out a policy online, which is convenient and quick. Websites such as Group Working help migrants find jobs and provide support in taking out insurance policies.
3. Through an agent or employer — if you work in Europe, medical insurance is often included in the package of services for employees.

When comparing offers on the market, it is important to pay attention to the coverage and terms of the contract in order to choose the best conditions for your stay.

Conclusion

Choosing insurance for migrants is an important step in ensuring your safety and health during your stay in Europe.

Depending on the length of your stay and the type of activity, there are various health insurance options that cover the necessary medical expenses. To get started, it is recommended that you contact insurance companies or agencies such as Group Working for assistance in obtaining a policy that meets all the requirements of your country of residence.