How Health Insurance Works In Germany
Health insurance in germany works slightly differently to many other developed countries in that the type of insurance you can access depends on precise earning amounts.
How health insurance works in germany - What treatments are covered. The fees mainly depend on the level of coverage and monthly earnings of the insured person. How does health insurance in germany work.
Germany has a universal multi payer health care system paid for by a combination of statutory health insurance gesetzliche krankenversicherung and private health insurance private krankenversicherung. You can opt for a full private. A 600 excess for instance means you have to pay the first 600 of healthcare.
The statutory health insurance and the private health insurance. Health insurance krankenversicherung in germany is not free but it s mandatory if you stay in germany for more than 90 days you must have health insurance 1 in this guide we explain the difference between public health insurance gesetzliche krankenversicherung and private health insurance private krankenversicherung we also explain which one is better for you. The government regulated public health insurance scheme gkv private health insurance from a german or international insurance company pkv or a combination of gkv and supplemental pkv.
We cover all the basics of the german healthcare system in an introductory overview of how the system works. The turnover of the health sector was about us 368 78 billion 287 3 billion in 2010 equivalent to 11 6 percent of gross domestic product gdp and about us 4 505 3 510 per capita. Those earning more than 62 550 eur 69 600 usd a year can choose private insurance while those who earn less than 62 550 eur 69 600 usd are automatically enrolled to public health insurance.
All foreigners living and working in germany can access subsidized state healthcare but it is mandatory for all residents to have some form of health insurance. Health insurance in germany is confusing especially for newcomers. In germany there are two health care systems.
90 of the people who live in germany are in the public system. Statutory health insurance in germany gkv. Most residents in germany are enrolled in the public healthcare system but some individuals qualify for choosing a private health insurer instead.
All the people who are salaried professionals are insured in the statutory health insurance. How much will my contributions be. Once you are a resident in germany it is compulsory to register with either a statutory german health insurance scheme.
You have three options for health insurance while living in germany if you are required to show proof of health insurance. German private health insurance works on the same style of system that you ll find in any insurance policy. The healthcare system and health insurance in germany.
Can i take out private insurance.
