Re: Health Insurance - Grundversicherung: mandated coverage and pre-existing conditio
that is correct, the Grundversicherung must cover the a certain range of illnesses/injuries, no matter which companies offers, so you're free to choose the one you trust most / pay less.
As for additional insurance (which might be helpful if you need glasses/want to try "natural health treatment" vs. school medicine etc) - they don't ask that many questions and either include an existing condition asking for a higher premium or just exclude that condition and all possible follow-up treatments.
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