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Having to do with the German healthcare system can be a smooth experience with the right information. Renowned for its efficiency and quality, the system offers comprehensive care for all residents, including expats. This guide aims to provide a deeper insight into the workings of the system, helping you understand and utilize it effectively.
Understanding Public and Private Healthcare
Germany’s healthcare system is divided into public and private sectors. The public healthcare, known as Gesetzliche Krankenversicherung, is the more prevalent one, covering about 90% of the population. It is funded through health insurance contributions and provides access to an extensive network of medical services. On the other hand, private healthcare, or Private Krankenversicherung, caters to specific groups like high-income earners and self-employed individuals, offering benefits like shorter wait times and access to a broader range of medical services.
Registration for Health Insurance
Health insurance is mandatory in Germany for all residents. If you’re employed, your employer will typically assist in registering you with a public health insurance provider. If you’re self-employed or fall into other specific categories, you’ll need to arrange for private health insurance. The choice of provider is yours, and there are numerous health insurance funds to choose from in the public system, each offering a variety of packages.
Coverage and Services
Both public and private health insurances cover essential medical care, including general doctor visits, hospital stays, emergency services, and most medical treatments. Depending on your insurance plan, you might also receive additional coverage for dental care, alternative medicine, and specialized treatments.
Finding Medical Care
In Germany, it’s common to register with a general practitioner, known as a Hausarzt, who will be your first point of contact for health issues. For specialist care, you will generally need a referral from your Hausarzt, although private insurance might allow you to see specialists directly. Pharmacies, or Apotheken, are the only places where you can legally obtain prescription medications, usually covered by insurance with a minor co-payment.
Hospitalization and Emergency Care
Germany has a mix of public and private hospitals. In case of emergencies, care is accessible to everyone, regardless of their insurance type. On mobile, you can dial 112 for emergency services across Germany.
Practical Aspects of the Healthcare System
Upon registering with a health insurance provider, you’ll receive an electronic health card, which is used for all doctor visits and hospital admissions. While many healthcare professionals in Germany speak English, knowing basic German medical terms or having access to a translator can be helpful.
The German healthcare system, with its comprehensive and accessible services, ensures that all residents, including expats, receive quality medical care. Understanding how to register for insurance, the types of coverage available, and how to access medical services are crucial steps in making the most of the healthcare system in Germany.
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