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Those new to Germany may find it challenging to choose the appropriate health insurance plan, especially when faced with the problem of evaluating the advantages of private health insurance against those of public health insurance. There is a lot of material that is unclear and contradictory that may be found online.
These misunderstandings are cleared to give you the knowledge you need to choose a health insurance plan that is appropriate for you.
The quality of care provided by private health insurance much exceeds that of public health insurance.
FALSE. The public healthcare system in Germany is known for being among the best in the world since it offers very high standards of treatment to the country’s citizens. The decision to get private health insurance has several advantages, one of which is the possibility of experiencing lower wait times for visits.
However, the availability of these advantages could be restricted according to the plan you’ve chosen. For instance, if you have selected a private health insurance plan that is very inexpensive or fundamental, you could not obtain the same degree of coverage as is offered by the public health program!
When you have private insurance, you have extra paperwork.
No, it does not. Many people in Germany have the misconception that filing a claim would be a difficult and time-consuming procedure if they have private medical insurance. This is not the case, especially considering that most private health insurance companies are already working toward fully digitizing their operations.
Most of the time, all that is required to submit a claim for medical services such as treatments, prescriptions, or consultations is to upload your invoice or receipt using the mobile app provided by your insurer. Most medical professionals will provide you with an invoice with payment conditions of thirty days during your appointment.
People with private insurance pay for their visits and medical services in advance.
FALSE. Some people have the misconception that people with public health insurance can walk right into a hospital, wave their insurance card, and not have to pay anything. In contrast, people with private health insurance must pay either in advance or at the time of service. This is a common misconception. This is not the situation at all.
If you have private health insurance, the vast majority of the time, you will be sent a bill for your medical expenses with payment terms of thirty days. Every private health insurance carrier also provides a mobile app tailored to process claims, making reimbursements fast, quick, and painless.
You have to pay more in case of severe injury.
FALSE. When you apply for and sign the contract for your private health insurance, your monthly premium payments are locked in at that rate. Your costs may go up over time, although inflation rates almost entirely determine this.
It may also be affected by developments in medical technology and innovation and an increasing average lifespan. It has absolutely nothing to do with you or the ever-shifting particular health needs that you have.