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Benefits of health insurance in Germany

Welcome to the Topic “Benefits of health insurance in Germany

Germany has an outstanding public (statutory) healthcare system that provides comprehensive medical treatment to all inhabitants. The public healthcare system is funded by a mix of employer and employee insurance premiums, but it is also substantially subsidized by the German government to guarantee that individuals who are unemployed or earning a low income stay insured and may get essential medical treatment. 

Every German resident is required by law to obtain public health insurance (unless they are part of the small percentage of the population with private coverage).

The Advantages of Both Private and Public Healthcare

As important as financial issues are, one must constantly evaluate the advantages that a certain sort of health care or insurance package has to offer. 

Nobody is ready to deplete their cash for an insurance plan that does not cover their medical requirements. With this in mind, before choosing a sort of health insurance to purchase, a person should investigate the advantages that each one provides.

Recognized Throughout the EU

For persons who are often on the go, public health insurance in Germany is an excellent option. In general, it provides more coverage than most other public insurance schemes. Germany is a member of the EHIC or European Health Insurance Card. 

This ensures that everyone enrolled in public health insurance in Germany will have his or her medical requirements met in any EU nation that is a part of this broad healthcare system. Simultaneously, Germany has already signed social security treaties with a number of other nations where German public health insurance is regarded as adequate.

Cost-Effectiveness

Unfortunately, the cost of public health insurance in Germany is gradually rising from year to year. However, its total prices are substantially lower than what individuals in other nations are generally paid.

Non-Working Dependents Insurance

A private health insurance plan typically covers a single individual. With that in mind, the cost of private health insurance for a family would be prohibitively expensive. Fortunately, non-working dependents are covered by public health insurance in Germany

Under the obligatory health insurance program, a resident is required to register his or her non-working dependant with the insurance provider of his or her choice in order for them to obtain the same free medical help when needed.

Insurance for Sick Leave

The German public health care system is particularly admired for its distinct spirit of solidarity toward the common good. Fundamentally, the primary concept is that those who earn more give more, and everyone benefits equally. When an employee becomes sick, his or her company is legally compelled to pay a certain percentage of his or her income to cover mandated health insurance expenses.

How can I apply for public health insurance in Germany?

Enrollment in the public system is normally automatic for all hired personnel, and payments are deducted from paychecks at the source, while workers have the option of selecting which provider they choose. Over 100 non-profit insurance firms, known as Krankenkassen, exist. Every time one of their insured members utilizes a medical service, these groups collect contributions and settle claims from hospitals and physicians.

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Also Read: Private and Public health insurance in Germany