Filing an insurance claim in a new country can feel daunting—especially when you're not familiar with the process. But once you understand how claims work in Germany, it becomes much more straightforward.
This guide walks you through everything you need to know: when to file, what documents you'll need, and how to navigate the process smoothly.
Different insurance types have different claims processes. Here's an overview of the main categories:
| Insurance Type | German Name | When You'd File a Claim |
|---|---|---|
| Health | Krankenversicherung | Medical treatments, prescriptions, hospital stays |
| Car | Kfz-Versicherung | Accidents, damage, theft |
| Liability | Haftpflichtversicherung | Accidentally damaging someone's property or causing injury |
| Home/Contents | Hausratversicherung | Theft, fire, water damage, natural disasters |
| Life | Lebensversicherung | Death of the policyholder |
File a claim when:
Many policies have strict deadlines for reporting incidents—often 48 hours for car accidents or one week for other claims. Check your policy terms and report promptly.
Public insurance (GKV): In most cases, you simply show your insurance card at the doctor's office. The provider bills your insurer directly—no paperwork required from you.
Private insurance (PKV): You typically pay the provider directly, then submit the invoice to your insurer for reimbursement. Most private insurers have apps that make this process quick and simple.
If you're involved in a car accident or your vehicle is damaged:
1. Document everything — Take photos, note the time and location
2. Exchange information — Get the other party's details if applicable
3. File a police report — Required for accidents involving injury or significant damage
4. Contact your insurer — Report within the timeframe specified in your policy
5. Get repair estimates — Your insurer may require quotes before approving repairs
If you accidentally cause damage to someone's property or injure them:
1. Don't admit fault — Let your insurer assess the situation
2. Document the incident — Photos, witness statements, receipts
3. Report promptly — Contact your insurer as soon as possible
4. Provide all requested information — Cooperate fully with the investigation
Your insurer will handle communication with the affected party and cover valid claims up to your policy limit.
For theft, fire, water damage, or other covered events:
1. File a police report — Especially for theft or break-ins
2. Document the damage — Photos, videos, written descriptions
3. Gather proof of ownership — Receipts, warranties, bank statements
4. Contact your insurer — Report promptly and follow their guidance
Beneficiaries should:
1. Contact the insurance company — Provide policy details
2. Submit required documents — Death certificate, identity verification
3. Follow up regularly — Claims can take several weeks to process
Contact your insurer as soon as possible after the incident. Many policies have strict reporting deadlines. You can typically report:
Prepare the following (depending on the type of claim):
| Document | Purpose |
|---|---|
| ID/Passport | Verify your identity |
| Policy documents | Confirm coverage details |
| Police report | Required for theft, accidents, or damage |
| Receipts/Invoices | Prove costs and ownership |
| Photos | Show damage or document the incident |
| Witness statements | Support your account |
Fill out your insurer's claim form accurately and completely. Include:
Send the completed form and supporting documents via your insurer's preferred method. Keep copies of everything you submit.
Your insurer will review your claim and may:
Processing times vary—health insurance reimbursements are often quick (within days), while complex liability claims may take weeks.
If your claim is rejected:
1. Review the denial letter carefully — Understand why it was rejected
2. Check your policy — Verify whether the incident should be covered
3. Gather additional evidence — If available, submit more documentation
4. File an appeal — Most insurers have a formal appeals process
5. Seek professional help — A broker or legal advisor can assist if language or complexity is an issue
Navigating insurance claims in Germany can feel complex, especially in your first few years here. At Stay, we support international residents through the process—helping you understand your coverage and get the support you deserve.