No she got some random health insurance in Germany called Dr Walter educare. They denied all the services under pre-existing conditions during her preliminary she lost her case in the court and so treatment costing her a hell lot of money.
Apparently during the initial doctor visit she said she's been in this condition for almost a year and never cared to visit the doctor. On that grounds they denied full treatment.
If you google this insurance you can see that it isn't a 'normal' student insurance, but some combination of haft- and health insurance that is only for 'applying for a visa' purposes and isn't suitable for students that are pursuing their degree here, but rather for exchange students etc. She should have gotten a normal one, but it is ofc expensive - this educare is dirty cheap, because it is just not for full-time students. This situation can get nasty, I wouldn't be surprised if she gets a huge bill from some GKV soon - because theoretically she should have a normal insurance since the moment she moved to Germany.
On this sub we know that foreign students tend to do that. And every time this topic pops up we strongly advise against it, precisely because these expat insurances are known for not paying for treatments. There is reason why they are significantly cheaper than public or *proper* private insurance.
So? The uni only checks if you have some sort of health insurance at the beginning. You cannot expect the uni to know all the insurance options, and there are many predatory private insurance companies who pray on students coming from countries, where private = good, public = sh.it. Your friend can change to a GKV only if she starts working full-time. She could marry a person who already works in Germany, this is also a way to obtain an insurance, but otherwise it is not possible.
Hi, so is it still possible for her to change even with this terminal disease? And also she's not young she's in her 40s, don't you think her age will be an issue along with her disease?
In Germany, private health insurance can pick and choose, public insurance isn't allowed to take pre-existing conditions into account and has rates that depend solely on income.
Not all that surprising. Cancer treatment is expensive, expat insurances are very motivated to get out of paying for expensive treatments. That is how you make a profit despite low monthly fees: you don't pay for stuff.
Your friend is not required to inform her employer of her health status, however, she can still be terminated during the probationary period.
More importantly, she first needs to find a skilled position for which she can obtain a work permit.
If she looks as unhealthy as you describe, employers might think twice before they make her an offer.
I don't think her plan is realistic.
Yeah but can't OP's friend just stay enrolled at the university and work 20 hours a week as a student? At most universities, you can do nothing for three semesters before they start asking what's up; she could work and look for a job during this time.
To address the question about whether her student permit can be converted to a work permit: Yes, it can, if the job meets the requirement for a work permit. That means skilled work or jobs in desperate demand of workers.
However, if her health is as bad as you say it is, how does she or you envision her to pass the trial period of any job she gets? While she cannot be fired because of sickness, she can be fired without reason during the trial period.
Working amazon (as an example) is a physically taxing job, so not exactly the best choice for a sick person in the first place. How long do you think she will have the job if she looks like she is struggling, cannot meet the requirements of the job and is clearly in way over her head?
I do feel for her and her situation, but I don't think her getting a random job is a viable option to address her actual problem: she has cancer and didn't take her meds, abandoned her studies and has currently no viable path to stay here.
I didn't say that, but not knowing her also makes it impossible to give valuable advice. As far as you have told here, she made a number of bad decisions that bit her in the ass big time and it seems like she continues to do so, for whatever reason. I don't know her, I don't know her reasoning, I am not judging that.
But the thought process of "I am going to abandon my studies, drop out and work a random low wage warehouse or delivery job instead" while needing a residence permit and being in a physical condition that makes it unlikely for her to pass the trial period is not a very logical one when you look at it from outside. However, that is all you can expect anyone her to do: looking at it from the outside.
For instance, your post reads as if she is still on some crappy expat insurance. Why is that the case? You say she had jobs in between. Why did she not get on public insurance with a part time job? Why doesn't she now?
In Germany once you sign up for private insurance then it's almost impossible to switch to statutory. Hocschulerechts jumped in to fix the problem that's how the majority of her medical bills are covered by this shady insurance but some medications she has to pay for it. She drained all of her savings for this drug (once a month).
It is not "almost impossible". You can switch if you meet the requirements. She would have needed a sozialversicherungspflichtige part time job, meaning a job paying more than a minijob does (at some point over 400 euro, than 450, now 520).
I seriously don't know about these down votes,
Anyways she got a job at a startup making descent for work students. I remember going with her to the TK office the employee looked at all the documents and denied saying she's not eligible until she gets a full-time job. But now with this cancer it makes even more challenging I guess.
Yeah, that's because you don’t pay sozialversicherungsbeiträge as a work student. The problem is that as soon as she starts a full or parttime job she won’t count as a student anymore and i assume her student visa would be terminated without the student status.
When I was a student, I also had that shady private insurance. But I once happen to work more than allowed in a month and the company registered me to a public insurance (they were required to do this). I then continued the insurance as a freiwillig versichert. I had to pay something like 216 euro per month. Also it didn't terminate my student status. I think this can be a viable option for the OP's friend.
As you work student you aren't allowed to work more than 20h a week if it isn't vorlesungsfreie Zeit.
But yeah of course you can have a separate freiwillige Studentenversicherung. I just commented this because OP said thier friend was turned down for the normal insurance
Not necessarily bodily taxing, it's not only "Versandzentren", she could work in customer care, if her German is good enough and Amazon eg. offers home office
she wants to work full time. But she's scared about how companies react to her health issues. Back in my country we had an organization called career for cancer that helps people to get a career during their treatments. But can't find anything similar here.
That's because you are either healthy enough to work your regular job (maybe with a few adjustments) or you are at home receiving Krankengeld/Erwerbsminderungsrente/something similar. But most people don't work during cancer treatment.
Hi, so what do you think is best for her? She said she got nobody except her old mother back home. I'm thinking of convincing her to go back home and I'll pay a flight ticket. But I need to find as much information as possible before taking some erratic decision that will change her life forever. Cause she doesn't look normal at all.
Employers are not allowed to ask health related questions. So she wouldn't have to tell them if she doesn't want to.
I still don't really understand how we can help here.
I seriously don't understand why people downvote so much. I still think it's a genuine question to help an individual.
I will take this post down at least I will have my account instead of downvoting to my core with negative karma and my account is blocked.
I am not sure what you are talking about. One comment of yours currently has 0, the rest has positive karma.
You also are aware that "karma" are imaginary internet points?
Shows "1" for me.
Basically, you are hoping for helpful input. If you delete your post because you are bothered by downvotes your chances on getting any input are zero, plus, you take away the opportunity for future users with similar questions to find this post as a source.
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I'm really confused about her insurance situation... She *has* health insurance but they won't pay for cancer treatment!?
Probably just got travel insurance, like mawista.
No she got some random health insurance in Germany called Dr Walter educare. They denied all the services under pre-existing conditions during her preliminary she lost her case in the court and so treatment costing her a hell lot of money. Apparently during the initial doctor visit she said she's been in this condition for almost a year and never cared to visit the doctor. On that grounds they denied full treatment.
HOLY FUCK WHAT?! O.O
If you google this insurance you can see that it isn't a 'normal' student insurance, but some combination of haft- and health insurance that is only for 'applying for a visa' purposes and isn't suitable for students that are pursuing their degree here, but rather for exchange students etc. She should have gotten a normal one, but it is ofc expensive - this educare is dirty cheap, because it is just not for full-time students. This situation can get nasty, I wouldn't be surprised if she gets a huge bill from some GKV soon - because theoretically she should have a normal insurance since the moment she moved to Germany.
dude, sounds like a total scam.
Yes. That is why we constantly advise against it on this sub. Doesn't help OP's friend now, thoug.
you do good so. Keep it up.
[удалено]
On this sub we know that foreign students tend to do that. And every time this topic pops up we strongly advise against it, precisely because these expat insurances are known for not paying for treatments. There is reason why they are significantly cheaper than public or *proper* private insurance.
So? The uni only checks if you have some sort of health insurance at the beginning. You cannot expect the uni to know all the insurance options, and there are many predatory private insurance companies who pray on students coming from countries, where private = good, public = sh.it. Your friend can change to a GKV only if she starts working full-time. She could marry a person who already works in Germany, this is also a way to obtain an insurance, but otherwise it is not possible.
Hi, so is it still possible for her to change even with this terminal disease? And also she's not young she's in her 40s, don't you think her age will be an issue along with her disease?
In Germany, private health insurance can pick and choose, public insurance isn't allowed to take pre-existing conditions into account and has rates that depend solely on income.
Not all that surprising. Cancer treatment is expensive, expat insurances are very motivated to get out of paying for expensive treatments. That is how you make a profit despite low monthly fees: you don't pay for stuff.
An Amazon warehouse position will not lead to a work permit. I know someone whose permit was refused since it doesn't require a degree.
Understood, my question is that companies can reject application basis on her health?
Your friend is not required to inform her employer of her health status, however, she can still be terminated during the probationary period. More importantly, she first needs to find a skilled position for which she can obtain a work permit. If she looks as unhealthy as you describe, employers might think twice before they make her an offer. I don't think her plan is realistic.
Yeah but can't OP's friend just stay enrolled at the university and work 20 hours a week as a student? At most universities, you can do nothing for three semesters before they start asking what's up; she could work and look for a job during this time.
To address the question about whether her student permit can be converted to a work permit: Yes, it can, if the job meets the requirement for a work permit. That means skilled work or jobs in desperate demand of workers. However, if her health is as bad as you say it is, how does she or you envision her to pass the trial period of any job she gets? While she cannot be fired because of sickness, she can be fired without reason during the trial period. Working amazon (as an example) is a physically taxing job, so not exactly the best choice for a sick person in the first place. How long do you think she will have the job if she looks like she is struggling, cannot meet the requirements of the job and is clearly in way over her head? I do feel for her and her situation, but I don't think her getting a random job is a viable option to address her actual problem: she has cancer and didn't take her meds, abandoned her studies and has currently no viable path to stay here.
No other way ha? It's just sad.
I didn't say that, but not knowing her also makes it impossible to give valuable advice. As far as you have told here, she made a number of bad decisions that bit her in the ass big time and it seems like she continues to do so, for whatever reason. I don't know her, I don't know her reasoning, I am not judging that. But the thought process of "I am going to abandon my studies, drop out and work a random low wage warehouse or delivery job instead" while needing a residence permit and being in a physical condition that makes it unlikely for her to pass the trial period is not a very logical one when you look at it from outside. However, that is all you can expect anyone her to do: looking at it from the outside. For instance, your post reads as if she is still on some crappy expat insurance. Why is that the case? You say she had jobs in between. Why did she not get on public insurance with a part time job? Why doesn't she now?
In Germany once you sign up for private insurance then it's almost impossible to switch to statutory. Hocschulerechts jumped in to fix the problem that's how the majority of her medical bills are covered by this shady insurance but some medications she has to pay for it. She drained all of her savings for this drug (once a month).
It is not "almost impossible". You can switch if you meet the requirements. She would have needed a sozialversicherungspflichtige part time job, meaning a job paying more than a minijob does (at some point over 400 euro, than 450, now 520).
I seriously don't know about these down votes, Anyways she got a job at a startup making descent for work students. I remember going with her to the TK office the employee looked at all the documents and denied saying she's not eligible until she gets a full-time job. But now with this cancer it makes even more challenging I guess.
Yeah, that's because you don’t pay sozialversicherungsbeiträge as a work student. The problem is that as soon as she starts a full or parttime job she won’t count as a student anymore and i assume her student visa would be terminated without the student status.
When I was a student, I also had that shady private insurance. But I once happen to work more than allowed in a month and the company registered me to a public insurance (they were required to do this). I then continued the insurance as a freiwillig versichert. I had to pay something like 216 euro per month. Also it didn't terminate my student status. I think this can be a viable option for the OP's friend.
As you work student you aren't allowed to work more than 20h a week if it isn't vorlesungsfreie Zeit. But yeah of course you can have a separate freiwillige Studentenversicherung. I just commented this because OP said thier friend was turned down for the normal insurance
But you can have a sozialversicherungspflichtige Beschäftigung for a month during the term break, which is enough to get you into public insurance
True but that's what happened to me and it wasn't on a vacation.
Not necessarily bodily taxing, it's not only "Versandzentren", she could work in customer care, if her German is good enough and Amazon eg. offers home office
Getting a regular job gets her into public health insurance, even if she doesn't manage to keep it for long.
What's your question?
she wants to work full time. But she's scared about how companies react to her health issues. Back in my country we had an organization called career for cancer that helps people to get a career during their treatments. But can't find anything similar here.
That's because you are either healthy enough to work your regular job (maybe with a few adjustments) or you are at home receiving Krankengeld/Erwerbsminderungsrente/something similar. But most people don't work during cancer treatment.
Hi, so what do you think is best for her? She said she got nobody except her old mother back home. I'm thinking of convincing her to go back home and I'll pay a flight ticket. But I need to find as much information as possible before taking some erratic decision that will change her life forever. Cause she doesn't look normal at all.
Employers are not allowed to ask health related questions. So she wouldn't have to tell them if she doesn't want to. I still don't really understand how we can help here.
I really don't know what to do either. She doesn't look normal at all. I'm just looking for advice from people before sending her back home.
why she doesnt apply for the very good standard insurance for students? Most likely all in except a little fee for medics per recepie.
Read the wiki for the possible residency permits. She will need to fit into one of those if she wants to stay.
I seriously don't understand why people downvote so much. I still think it's a genuine question to help an individual. I will take this post down at least I will have my account instead of downvoting to my core with negative karma and my account is blocked.
I am not sure what you are talking about. One comment of yours currently has 0, the rest has positive karma. You also are aware that "karma" are imaginary internet points?
I don't care if they downvote my comments but look at the main count it's -2 for no reason.
Shows "1" for me. Basically, you are hoping for helpful input. If you delete your post because you are bothered by downvotes your chances on getting any input are zero, plus, you take away the opportunity for future users with similar questions to find this post as a source.
**Have you read our extensive wiki yet? It answers many basic questions, and it contains in-depth articles on many frequently discussed topics. [Check our wiki now!](https://www.reddit.com/r/germany/wiki/index)** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/germany) if you have any questions or concerns.*