Gesundheitssystem in Deutschland
We all make contact with the healthcare system in Germany. Whether it is a quick check-up or a chronic disease, in Germany you will find care and safety in one of the best healthcare systems in the world.
Here is a simple guide how to manage healthcare in Germany:
There are multiple options how to handle your healthcare. It is very important for you to make the necessary steps so you can make use of the medical services whenever you need them.
Understanding your options for healthcare coverage in Germany
Gesetzliche Krankenversicherung (GKV)
For Employees
If you are an employee in Germany, your employer pays 50% of your health insurance. You are responsible for the payment of the other half.
Income Threshold
The statutory insurance is intended for employees who make up to a gross income of €73,800.
Business Owners
As a business owner, you can have a statutory insurance as well, but must cover it on your own expense. If you earn more, you pay more.
Family Coverage
Children are covered by the parents' insurance up until age 18, or until age 25 if they are still in university or vocational training.
Equal Treatment
All insured people receive the same treatment. The system works on a long-term basis where you can decide how and where you want to get your treatment.
Important Note
The long-term system cannot maintain all costs, which means depending on age and medical situations, some costs must be covered by yourself.
Private Krankenversicherung (PKV)
Individual Calculation
The insurance calculates based on your health status, age at start, and personal risk or illness history.
Payment Process
If you have private insurance, you pay your own medical bills first, then submit a request to the insurer who reimburses you.
Who Can Switch?
Not everyone can switch from statutory to private insurance. Eligible groups include:
For more information, we recommend you to contact a governmental or private insurance company and have a chat about the insurance options they offer.
Learn about the requirements and process to work as a nurse, caregiver, or doctor in Germany.
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