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Hey everybody! First publish for me right here. I’m an American who moved to Germany in early 2019 for a 4 yr work project. I, my spouse, and my daughter are all coated below my Cigna Worldwide non-public insurance coverage supplied by my employer. My spouse was not working once we arrived to Germany, and was nonetheless in a position to receive her Residence Allow with the Cigna Worldwide protection (so no points with solely having Cigna Worldwide protection on the time). After 1 yr, she began working (Feb 2020). At the moment, regardless of being coated by Cigna Worldwide, she began paying “necessary” contributions to the general public system through Pronova (though it was by no means used). After some months of working, she switched to Generali insurance coverage (as an alternative of Pronova) to attempt to avoid wasting cash. She stopped working after a little bit greater than 1 yr (in April 2021), nonetheless utilizing solely our Cigna Worldwide plan for well being wants. Nonetheless, upon asking Generali to cancel the insurance coverage since she was now not working and already coated by Cigna Worldwide (the identical as once we first moved right here), Generali refused to cancel, stating she is required to pay and her state of affairs doesn’t qualify for a cancellation. Is that this true? Why ought to she must pay for a second insurance coverage, particularly since she’s not working?