Public Health Insurance Germany

Public health insurance in Germany is mandatory for most residents in Germany. It provides basic protection for medical and dental care and can be extended.

The German Public Health Insurance System In A Nutshell

The German public health insurance system, known as “gesetzliche Krankenversicherung” or statutory health insurance, is a fundamental aspect of the country’s social security net. It plays a pivotal role in ensuring that every resident has access to essential healthcare services, regardless of their income or employment status. On this page, we go into the most important features, benefits, and special characteristics of the German health insurance system.

The foundation of the German health insurance system is the equality of the people insured. Unlike many other countries, Germany embraces the principle that healthcare is a fundamental right, and it is obligatory for its residents to have health coverage. This system provides a safety net for all, ensuring that everyone, from students to retirees, has access to medical care when needed.

Participation in the public health insurance system is mandatory for most residents. The system primarily covers employees, including full-time and part-time workers, trainees, and apprentices. It also extends to civil servants and some other specific groups, such as artists and journalists.

Contributions to public health insurance are based on a percentage of gross income. In 2023, this contribution rate is 14.6%. However, it should be noted that insurance providers charge an additional contribution. This averages to 1.6% in 2023.

One of the core principles of the German public health insurance system is equal access to healthcare services. Regardless of your income or status, you are entitled to the same level of healthcare. This means that whether you are a low-wage worker or a high-earning executive, you will receive the same standard of medical care when visiting a doctor, specialist, or hospital.

The German public health insurance system extends its benefits to families. Spouses and dependent children of insured individuals can be included in the same insurance policy at no additional cost, as long as they have no or minimal income. This means that families can enjoy comprehensive healthcare coverage without the burden of additional premiums for each family member.

The German healthcare landscape is characterized by collaboration between the public health insurance system and healthcare providers. Doctors and hospitals are reimbursed based on a fee-for-service model, which means they are paid for each service provided to patients. This fosters a competitive environment where healthcare providers strive to deliver quality care efficiently.

While the German public health insurance system is highly regarded, it does face some challenges, including an aging population and rising healthcare costs. To address these issues, the system continually undergoes reforms and adjustments to ensure its long-term sustainability. It’s essential to stay informed about changes in the system to make the most of its benefits.

In summary, the public health insurance system is a cornerstone of the country’s commitment to universal health coverage. From equal access to comprehensive coverage, the system ensures that every resident has access to the health care they need. However, there is much more to explore. In the following sections, we will delve deeper into the intricacies of public health insurance, including premiums, coverage options, and tips for making the most of this vital safety net. Stay tuned to learn more about how you and your family can benefit from the German health insurance system.

Our Latest Public Health Insurance Videos

In our YouTube playlist about public health insurance, we go into detail about it and show you how exactly public health insurance works and options on how you can improve it. This page includes a comprehensive overview about the German public health insurance.

 

Our Latest Public Health Insurance Blog Posts

In our blog, we cover everything there is to know about public health insurance in Germany and also a comparison to the private health insurance. Among other things, we inform you about current events, errors and changes in the field of statutory health insurance.

Our Latest Public Health Insurance Blog Posts

In our blog, we cover everything there is to know about public health insurance in Germany and also a comparison to the private health insurance. Among other things, we inform you about current events, errors and changes in the field of statutory health insurance.

Find The Best Public Health Insurance For You With Our Calculators

With our calculators, you have the opportunity to take your public health insurance to a new level. No matter whether you switch to statutory health insurance with better conditions or improve your current one. Here you are able to take out the insurance immediately.

Fastest Way To PUBLIC Health Insurance In Germany

Find the best PUBLIC health insurance in Germany for your individual situation.

Best Dental Insurance
in Germany

Find the best dental insurance in Germany with the lowest premium.

Find The Best Public Health Insurance For You With Our Calculators

With our calculators, you have the opportunity to take your public health insurance to a new level. No matter whether you switch to statutory health insurance with better conditions or improve your current one. Here you are able to take out the insurance immediately.

Fastest Way To PUBLIC Health Insurance In Germany

Find the best PUBLIC health insurance in Germany for your individual situation.

Best Dental Insurance
in Germany

Find the best dental insurance in Germany with the lowest premium.

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FAQ About Public Health Insurance In Germany

Would you like to check if your query has already been answered? Our public health insurance in Germany FAQ includes all the essential questions that you may be interested in. If you have other questions, just simply write us a message below.

How much does health insurance in Germany cost?

Public health insurance is charged with a basic premium of 14.6% and an additional charge of, on average, 0.9% of your gross income. This must be paid for a maximum income of 4,425€ monthly. Higher incomes will not be charged for your health insurance in Germany. In contrast, private health insurance is calculated on an individual basis. Therefore, your health status and your entry age are the most important factors for your monthly costs.

How can a foreigner get health insurance in Germany?

As soon as you come to Germany and start to work here, your employer will register you with German public health insurance. However, you can still look for health insurance yourself. To do this, you must inform your employer within two weeks of starting work. Our recommendation is to talk to an insurance expert to get the best health insurance in Germany for your individual situation. Anyhow, finding German health insurance for foreigners is not the problem, the difficulty is rather to find the right one.

How do I get private health insurance in Germany?

If you are self-employed, a civil servant, earn above 66.600€ yearly, have no basis to join public insurance, or are a student who renounces their public insurance, you are free to choose either public or private health insurance. Therefore, you need to cancel your public insurance, get private insurance, and send some letters of your private health insurance confirmation to your current, already canceled public health insurance. We at PerFinEx can help you find the best private health insurance in Germany for your individual situation. We will also help you with the German paperwork.

How do I choose health insurance in Germany?

Your health insurance options depend on your income and employment status. Most people in Germany are forced to be insured in statutory health insurance. Therefore, it will be the same coverage with any provider and only a small difference in cost. However, if you are self-employed, a civil servant, or earn more than 64.350€, you are eligible for private health insurance. In this case, our recommendation is to discuss your individual situation with an insurance expert, such as us, to find out what makes the most sense for you.

Book A Free Meeting With Us To Discuss Your Health Insurance

Finding the best health insurance in Germany for you can be difficult – especially as an expat with limited German language skills. Secure a free meeting with us & our health insurance experts will make choosing the best health insurance as easy as possible for you.

Get In Touch With Us

Would you like to learn more about public health insurance in Germany or do you need help by setting up the right health insurance plan for your individual situation? Please feel free to send us a message.