Discovering Germany

Health Medical/Dental Systems Overview

The German health system is considered to be excellent and highly advanced. Health insurance is obligatory for everyone residing in Germany. There are two types of health insurance in Germany: public and private. There are quite a few private health companies and over 120 public health companies. In general, you have the choice amongst both equitable systems. Sometimes, the human resource departments will have recommendations for specific health insurances.

The main features are shown in the following listing.

Health Insurance ( Krankenversicherung ) – Main Differences Public Health Insurance Gesetzliche Krankenversicherung (GKV)

Private Health Insurance Private Krankenversicherung (PKV) People who have earned more than €54,900 (gross) in 2014 and will earn more than €54,900 in 2015, or self-employed. Are based upon age at entry, gender, pre-existing conditions and tariff. The employer will contribute 50% of the premiums. Additional long-term care contribution amounts to 2.35% (plus 0.25% for childless members).

Target group: Compulsory for people with an annual gross salary of less than €54,900, or voluntary for persons earning more than €54,900, or self-employed.

Premiums:

Are based on monthly gross salary, currently average 15.4% on €4,125 at most (half of which will be paid by the employer). Some insurances take additional premiums on top. The range is between 14.6 to 15.90%. Additional long-term care contribution amounts to 2.35% (plus 0.25% for childless members). All family members (without a salary of their own) are covered without any extra costs. Is recognized throughout Europe (providing basic coverage according to the standards of the respective country). No coverage overseas. Supplementary world-wide travel health insurance coverage is recommended.

Family:

Charges separately per each family member.

Coverage outside Germany:

In general world-wide coverage.

Refunds

Generally not available.

Interesting for those who do not put in claims, if, for example, you decide to pay your minor medical expenses yourself. This needs to be agreed upon beforehand.

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Discovering Germany