Health Insurance in Germany

Health Insurance in Germany

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There are many different options available to individuals looking to purchase health insurance in Germany. You can choose from either Public or private health insurance. Private health insurance offers you access to the best hospitals and doctors in Germany, as well as worldwide coverage. Read on to find out more about the options available. In this article, we will discuss the benefits of private health insurance in Germany, including the legality of such plans, and cost.

Public health insurance

Public health insurance in Germany is a system that covers a wide variety of medical services, including doctors’ visits and hospital inpatient stays. It also includes outpatient care. Those who wish to receive private medical care must purchase an additional health insurance plan. The public system does not cover alternative medicine or mental health services. However, private health insurance plans in Germany may cover more comprehensive services. The state health insurance system covers the basic costs of childbirth and pregnancy.

While Germany has a highly developed public healthcare system, people who don’t want to rely on it may opt for private health insurance. In most European countries, the public health system is state-run and is provided free of charge. Examples of such systems are the UK’s National Health Service, France’s La Securite Sociale, and Italy’s Servizio Sanitario Nazional.

In general, public health insurance in Germany provides health coverage to all employees. Contributions are taken from an employee’s wages at source. Private health insurance is optional, but it costs more. The premiums for private health insurance vary depending on risk factors, such as pre-existing medical conditions. However, public health insurance does not discriminate based on pre-existing conditions.

Coverage of non-working dependents

Non-working dependents are covered by public health insurance in Germany. However, they need to be registered with the same health insurance provider as the paying member. In addition to basic medical care, the health insurance covers dental care. Some services, such as aesthetic teeth cleaning, require an additional fee.

In Germany, the statutory health insurance system covers 86 percent of the population. It covers inpatient and outpatient care as well as prescription drug coverage. Non-governmental insurers, known as sickness funds, are also available. Wage contributions to these funds are paid by employers and employees equally. Non-working dependents are free from contribution if their earnings are below EUR 54,450 per year. Contributions to sickness funds are pooled and allocated through a risk-adjusted capitation formula that accounts for age, sex, and morbidity of 80 chronic illnesses.

When comparing public and private health insurance plans in Germany, it is important to note that it is possible to switch to a private insurer after 18 months. However, this may be difficult for some expats, as many private insurers do not offer coverage for overnight care. In addition, many insurers only accept expats who have lived in Germany for two years or more.


In Germany, all citizens are required to carry health insurance. Around 87% of the population has some form of statutory health insurance. This enables citizens from low-income groups to get coverage without paying an extra premium. Furthermore, statutory insurance covers hospital care and medication. Sick pay is also included.

The German public health insurance system is based on a solidarity principle. It requires that employers contribute a certain percentage of employees’ salary toward health insurance costs. The concept of solidarity has helped create a health insurance system that is equally affordable to everyone. Private health insurance plans also provide a variety of health care options for different medical needs.

While health insurance in Germany is mandatory, premiums are often too high for many people. Even if German law gives you freedom to choose your provider, it is important to consider your own medical needs before committing to any insurance policy. After all, nobody wants to pay for a medical plan that does not meet their needs.

Cost of private health insurance in Germany

Private health insurance in Germany is a good option if you want to save money on your medical bills. This is because deductibles can be as low as 1.000 euros and cover medical expenses up to that amount. This is perfect for people who visit the doctor only rarely and don’t need to spend too much money on medical care.

Unlike in the United States, private health insurance in Germany does not have an employer-based minimum contribution. Instead, you can choose the health insurer you want and pay according to your income. The cost of private health insurance varies depending on your income and professional status. Public health insurance contributions in Germany are set at 14.6% of gross income, while private health insurance premiums are calculated based on risk.

German residents must have a health insurance plan to protect themselves from medical expenses. There are public and private health insurance providers, and the latter has lower premiums than the former. Both provide similar coverage, but the latter offers extra perks. Public health insurance costs are set between 14% and 17 percent of gross income. Employees are also eligible for health insurance coverage through their employer. Their insurance coverage will cover them as well as any dependents with no income.

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