Jun 4, 2021

A Guide for Experts - Health Care System in Germany

healthcare system in germany


The German healthcare system is considered one of the best healthcare systems in the world. It is also one of the oldest dating back to the 1880s, evolving with the time. Basically, it is divided into two categories; public and private health insurance.

The most amazing thing is that a person living in Germany doesn’t have to empty his pockets in order to fulfill his medical needs unlike many other developed countries in the world. Any person, who is insured, can get an extensive range of treatment at the nearest available healthcare clinic in Germany.

For your convenience, Caresocius provides online services to help you find the suitable clinics in Germany to treat your illness.

The system in Germany is based on the principle of solidarity. No matter what your income is, whether you are a middle-class or rich person, regardless of your financial status, each and everyone receives the same medical care.

The facilities come from an income-based common fund where everyone contributes. By law, everyone who €60,750/year or 5,063/month is obligated to get public health insurance. And people who earn more than that can get access to private health insurance. The cost of private insurance depends on what benefits you opt for as they provide plenty of plans to choose from. You can even customize your plan as per your medical needs.

People earning below the aforementioned amount must share 14.6% of their gross salary in order to obtain the perks. However, the cost of health insurance in Germany has increased over the years mainly due to cost inflation. But it is still considered one of the cheapest in the world.

People who have public health insurance are provided with a membership card. They can show their card at the time of treatment and pay a nominal fee of a few euros and let the insurance take care of the rest.

There is a wide range of healthcare packages for the people to choose from, given their financial capacities and of course, medical needs. However, it is mandatory for everyone to get health insurance. No matter if you're a foreign student, a worker, or a refugee, you must get health insurance in order to stay in Germany.

The system is also a part of the European healthcare scheme otherwise known as the European Health Insurance Card (EHIC). It means that everyone who is eligible for public healthcare insurance in Germany can cover their medical needs in every European country that is part of this framework.

Those who pay extra for private insurance have extra benefits such as out-patient hospital care, comprehensive dental care, etc. They can seek treatments from private doctors as well who are not available for the public sector. English-speaking doctors are also available for them so that they won’t have to deal with the language barriers (in case they aren’t fluent in the German language).

The  healthcare clinics in Germany offer an extensive range of medical treatments. However, public health insurance has little flexibility but private health insurance covers almost every need to tackle the specific illness or medical problem.

According to various surveys conducted and multiple sources, the waiting time for appointments or surgeries in Germany is relatively low than in most other countries.

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