HEALTHCARE

SYSTEM IN
GERMANY
Uday dungarani
GERMAN HEALTHCARE
SYSTEM GUIDE
The German healthcare system is one of the oldest healthcare systems in the
world, dating back to 1880s. The system is organized into two major divisions:
Public and Private Health Insurance.
The German public health care system is based on the principle of solidarity.
All people insured by a public health insurer receive the same medical care
regardless of their financial status.
The German healthcare system is rated as one of the best in the world. It offers a
flexible range of choices and extensive coverage. Residents who want to get
insurance have many options to choose from and a wide variety of health
insurance packages to meet their financial capacities and medical needs.
Different health insurance plans vary in terms of coverage, costs and specific
conditions.
It’s also important to remember that health insurance in Germany is mandatory
by law. As a foreigner, you won’t be allowed to enter Germany at any cost if
you’re not insured. This applies even if you’re a foreign student, a foreign
scientist or researcher, a foreign worker, a refugee or an asylum seeker. The
intention and the length of your stay won’t make any difference either.
HEALTH INSURANCE FEES IN GERMANY
 The cost of health insurance in Germany has increased significantly in recent years,
mainly due to demographic expansion and medical cost inflation. Its total cost is
determined based on your income, but it also changes depending on what part of
Germany you live at.
 By law, everyone who earns up to €60,750/year or 5,063/month is obligated to get public
health insurance. The law specifies that every person who earns below this fixed value
must contribute the same premium charge. Currently, all residents registered under public
health insurance providers must share 14.6% of their gross salary for their health
insurance plan.
 For instance, if you earn €5,000 each month then it means €730 must be allocated
towards your insurance fund
THE BENEFITS OF PRIVATE
AND PUBLIC HEALTHCARE
As much as financial matters must be given an utmost priority, one
must always take into consideration the benefits a certain type of health
care or insurance package has to offer. It is quite reasonable that
nobody is willing to empty his/her pockets for an insurance plan that is
far to meet medical needs. That in mind, before deciding which type of
health insurance to get a person must dig deeper for benefits each one
has to offer.
BENIFITS
Recognized Across The EU
 For people who are always on the move German public health insurance is a perfect deal. In
general, it offers wider coverage than most public insurance scheme elsewhere. Germany is
part of the common European healthcare scheme known as EHIC. This is an assurance that
everyone undertaking public health insurance in Germany will have his/her medical needs
covered in each EU country which is a member of this large healthcare framework. At the
same time, Germany has already signed social security agreements with several other
countries where German public health insurance is deemed sufficient
1. Affordable Costs
2. Coverage for Non-Working Dependents
3. Sick Pay Insurance:-German public health care system is especially valued for its unique
sense of solidarity toward common welfare. Fundamentally the main principle is those who
earn more contribute more and all benefit the same. When a person gets ill his/her employer
is legally required to pay him/her a specific proportion of his/her salary to be able to cover
mandatory health insurance costs.
4. Nominal Fees at Hospitals
5. Co-Payment