Germany has a dual public-private healthcare system. Having originated in the 1880’s Germanys healthcare is one of the oldest in Europe. The healthcare system has since grown, and today, it has some of the best specialists, facilities and doctors globally. It is free for all and is funded through statutory contributions. It is also possible to top up the insurance cover provided by the state with private health insurance of your choice. However, it is essential to be careful while shopping for private insurance covers to ensure you get such covers from reputable dealers. A visit to review sites such as reviewsbird.de will help you see how previous clients have reviewed different insurers, and thus you’ll be able to select a reputable insurer. If you are shopping for bicycles and related accessories, Fafit24 will help you out. The federal ministry of health develops health policy in Germany. On the other hand, the Joint Federal Committee regulates the German health sector. The German health sector is highly rated, and in 2018’s Euro Health Consumer index, it was ranked 12th. It has also been praised for offering a high level of treatment and care to clients. Below a general overview of German’s health sector is discussed.
Who is allowed to access Germany’s healthcare?
The public health insurance allows all residents in the country to access Germany’s healthcare. On the other hand, non-residents must have a private insurance cover to access the country’s healthcare. Visitors who are in the country temporarily have to pay to get treated, and then later, they can claim for reimbursement. The EHIC card can be used by persons from Switzerland, the European Economic Area (EEA) and the European Union (EU). After becoming an official resident of Germany, you must take German health insurance.
The cost of the German Healthcare system
In the European continent, Germany is ranked as one of the top spenders on healthcare. 11.1% of its annual GDP is spent on expenditure related to health. In terms of GDP, only France and Switzerland spend more than Germany on healthcare. Per inhabitant, the country’s healthcare spends about €4,000. Private and public insurance contributions cover a majority of the cost. Above this, each person is required to pay a fee that ranges at about €10-15 for their initial medical visit each quarter. If you didn’t seek any medical help during the specific quarter, you will not be required to pay the amount. Private insurance holders are allowed to claim this.
Germans’ health insurance
In the past few years, German’s cost of health insurance has increased drastically. This can be mainly attributed to inflation in medical costs and demographic expansions. A person’s income and the location they live in determines the total cost of insurance they’ll have to pay. It is an obligation by German law that each person whose monthly earning add up to €60,750/year or 5,063/month to have public health insurance. For a person whose earnings fall below this range, the law requires them to contribute identical premium charges. Presently, all the residents that have been listed under the providers of public health insurance are needed to pay for their health insurance plan,14.6% of their gross salary.
Additionally, it is permitted that providers of health insurance offer clients a 0.9% supplemental rate. For example, if you have €5,000 monthly earnings, €730 will be allocated for your insurance fund. You and your employer equally pay the amount. Basically, the point is that the higher you’re earning, the higher the amount you’ll be required to pay. If your income is beyond the limit that has been mentioned above, then no higher fees will be imposed on you.
How can you register for German’s healthcare as an ex-pat
If you have moved to Germany to work there or live for the long term, you will be required to register at your local town hall with German authorities. You are given a German social insurance on registration, and you’ll start making national insurance contributions. You then become eligible for state-run healthcare just as German national are. You’ll also be needed to register with a health insurance fund. The insurance you’ll get also covers your children and a non-working spouse. Each time you visit a dentist or doctor in the country, you will be required to carry with you a health insurance card issued to you. An electronic health card with the holder’s photo has been used to prove the benefits and entitlement of medical services since 2014. Typically, the card includes the holder’s birth date, address, health insurance data, and name. It is scanned each time you visit for medical services.
In conclusion, this article is informative, especially for a person who wishes to relocate to Germany. They will learn more about the countries health system and how they can access it.