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Good day everybody! First publish for me right here. I’m an American who moved to Germany in early 2019 for a 4 12 months work task. I, my spouse, and my daughter are all coated underneath my Cigna Worldwide non-public insurance coverage supplied by my employer. My spouse was not working after 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 12 months, 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 by way of Pronova (though it was by no means used). After some months of working, she switched to Generali insurance coverage (as a substitute of Pronova) to strive to avoid wasting cash. She stopped working after just a little greater than 1 12 months (in April 2021), nonetheless utilizing solely our Cigna Worldwide plan for well being wants. Nevertheless, upon asking Generali to cancel the insurance coverage since she was not working and already coated by Cigna Worldwide (the identical as after we first moved right here), Generali refused to cancel, stating she is required to pay and her scenario doesn’t qualify for a cancellation. Is that this true? Why ought to she should pay for a second insurance coverage, particularly since she’s not working?