Medical screenings that your health insurance offers
Public health insurance covers a number of medical screening tests. These tests help in early detection of diseases. This makes the treatment more effective and less painful.
Here are the main medical screenings based on your age group and gender.
Women
- Dental Check-up (From age 18, Once per calendar half-year): Identify cavities, gum disease, and other dental issues early. If you are 35 and above, you should consider getting dental insurance.
- General Health Check-up (Ages 18 to 34, Once): Check blood pressure, cholesterol, and blood sugar levels to detect heart problems.
- Gynecological Examination (Ages 20 to 34, annually | From 35, once every three years): Detect early signs of cervical cancer.
- Chlamydia Screening (Up to age 25, Annually): Checks for a common sexually transmitted infection (STI), Chlamydia. If untreated, it can cause serious health problems, including infertility.
- Breast Examination (From age 30, Annually): Detect early signs of breast cancer.
- General Health Check-up (From age 35, Every three years): Like the general check-up for people aged 18 to 34, this looks for early signs of heart disease and diabetes.
- Skin Cancer Screening (From age 35, Every two years): This involves looking at moles and spots on your skin to catch any signs of skin cancer.
- Test for Hidden Blood in Stool (Ages 50 to 54, annually | From 55, every two years): This test checks for tiny amounts of blood in your stool (poop) that you canβt see. Finding blood can be an early sign of colon cancer.
- Mammography Screening (Ages 50 to 75, every two years): Taking X-ray images of the breasts to detect breast cancer early.
Men
- Dental Check-up (From age 18, Once per calendar half-year): Identify cavities, gum disease, and other dental issues early. If you are 35 and above, you should consider getting dental insurance.
- General Health Check-up (Ages 18 to 34, Once | From age 35, Every three years): Early detection of heart disease, diabetes, and other related conditions.
- Skin Cancer Screening (From age 35, Every two years): This involves examining the skin for moles or spots that might be signs of skin cancer.
- Prostate Examination (From age 45, Annually): Helps in the early detection of prostate cancer.
- Colon Cancer Screening (Ages 50 to 54, Annually | From age 55, Every two years): You can choose between an annual test for hidden blood in your stool, which can indicate colon cancer, or two colonoscopies, spaced ten years apart, to directly check for cancer.
- Ultrasound Screening for Abdominal Aortic Aneurysm (From age 65, Once): This one-time ultrasound checks for an enlargement of the main blood vessel in your abdomen, which can be life-threatening if not detected early.
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ECB may lower the interest rate
Inflation in Germany fell to 1.9% in August 2024. This was the ECB's long-term inflation target. ECB might cut the interest rate from 4.5% to 4.25%.
What does this mean for you?
It means two things
A decrease in savings interest rate is not the best. However, you can always park your money in other investments and earn better returns.
But a decrease in mortgage interest rates and loans is a big deal and good news for home buyers. π₯³
Here is an example to show you how much difference a small decrease in interest rate can make.
- Loan amount: 400k
- Term: 10 years
- Repayment rate: 2% (How much principal you want to repay in a year)
CASE 1
- Interest: 4%
- Interest paid in 10 years: around 141k
- Monthly installment: 2000β¬
CASE 2
- Interest: 4.25%
- Interest paid in 10 years: around 150k
- Monthly installment: 2083β¬
A mere 0.25% difference in interest rate can save you around 9000β¬ in interest on a 400kβ¬ loan. Moreover, it reduces your monthly installment by 83β¬.
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So, if you are looking to buy a property in Germany, a decrease in interest rates is a game changer. It can make the previously unaffordable properties affordable as you can get more credit.
Don't worry if you don't know anything about buying a home in Germany. We've got you covered. π
You can download our free ebook on buying a house in Germany and learn everything there is about the buying process and mortgage.
We've also covered you in finding a good mortgage offer. Our partner, ExpatCompassGermany, helps expats get the best mortgage deals.
You can book a free call with them here.
Visualization of the week
βDental treatment costs can quickly grow from a few hundred to thousands of euros. Unfortunately, public health insurance offers very basic coverage for dental treatments.
This is why having supplementary dental insurance is vital. The dental plans we found best cover you from the next day with some reimbursement limits.
Here are the dental plans we found best in our comparison and tests. You can read the full report here.
The below image gives an overview of the detnal treatment costs in Germany. You can learn more in our guide on dental costs in Germany.
New on GermanPedia
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Launched public health insurance cost calculator π₯³
Check how much you pay for your current public insurance. Additionally, the calculator shows how much you can save by switching to more cost-effective public insurance.
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Commons Scams In Germany
The number of scams has increased in Germany lately. Thus, it's vital you know the common scams scammers are using and how you can protect yourself. We also tell you what you can do if you are a scam victim.
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Tools
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Missed or looking for the previous newsletters
If you are new or deleted the old newsletter, don't worry. You can access the previous newsletters here.
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Expats guide to buying a house in Germany
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German healthcare demystified
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German healthcare demystified for students
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Deals for you
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Important types of insurance you should have in Germany
Personal Finance
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Free trading accounts
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Tax Software
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Free Checking account
NOTE: Investing involves the risk of loss Fixed account for 12 months (Festgeld)
- Up to 3.56% interest.
- Check offers from different providers here*.
Tagesgeld account for 6 months
- Up to 3.77% interest.
- Check offers from different providers here*.
Personal loan
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Freebies
Check out our shop to download freebies like rental contracts, checklists, books, etc. We created several free products to make settling in Germany easy for you.
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Disclaimer
The information provided here is based on our own experience and in-depth research. The content might be inaccurate. It should not be considered financial, insurance, tax, legal, or any kind of advice.
We are not certified brokers or consultants. Always do your research and contact certified professionals before making any decision.
We finance our extensive work via affiliate links. Thus, some or all of the links in the post might be affiliate links.
We get money if you click on such a link or conclude a contract with the provider without costing you a cent extra.
Investment involves risk of losing money.
All links marked with the "*" are affiliate links.
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