german healthcare system

Question 1

What should I Know about the german healthcare system?

Answer 1

• All germans are insured

- People in germany have statutory or private health insurance

Question 2

What do you have to know about the statutory health insurance?

Answer 2

• all germans are stat. insured (have to be part of it
  -every insurance offers individual benefits
• benefits-in-kind principle applies (contributions arent calculated by age or health)
• calculated by income
• contribution rate is 14,6 %
• benefits leads to a increasing competition between insurance companies
• persons dont have to make upfront payments
• ## provider provides desired service and bills it to the healthcare insurer

Question 3

What is about the introduction of the new electronic health card?

Answer 3

(-)with this card all information about the insured person and ist health can be called
(+) all relevant data are saved on the card, also medicine
(+) availability of data is faster and cheaper than before

Question 4

What is about the privat health insurance?

Answer 4

• Healthcare provider (doctor) issues a bill after the treatment
• Patient pays the bill and sumbmit it to his healthcare insurer to have all or a part of the costs reimbursed
• Principle is that the amount per month depends on the age and health status of the person
• Three types of persons that can get a private health insurance:
  1. Employees
  2. self employed persons
  3. officials

Question 5

What are the advantages of the statutory health insurance?

Answer 5

• fee isnt dependent on age and health status
• dont pay fees during maternity
• former diseases dont matter
• insurance companies offers the same basic benefits
• family friendly

Question 6

What are the advantages of the private health insurance?

Answer 6

• free doctor and hospital choice, often better treatment
• flexible benefits, individual offers
• fees dont depend on income
• offers adavantages for young people