Germany has a universal healthcare system that is funded by a combination of statutory health insurance (SHI) and private health insurance (PHI). It is highly accessible, affordable, and provides high-quality care.
Universal Healthcare System
Germany has a universal healthcare system that provides comprehensive coverage to its residents. The system is often referred to as “Gesetzliche Krankenversicherung” (Statutory Health Insurance) or simply “GKV.”
Statutory health insurance (SHI)
SHI is compulsory for all employees below a certain income threshold, as well as for their dependents. It is also available to self-employed individuals and people with low incomes. SHI is funded through a combination of employee contributions, employer contributions, and government subsidies. It covers a wide range of medical expenses, including doctor visits, hospital stays, prescription drugs, and dental care.
Private health insurance (PHI)
PHI is available to people who do not qualify for SHI, such as high-income earners and people who are self-employed and earn above a certain income threshold. PHI is also available to people who want to supplement their SHI coverage. PHI is funded by premiums that are paid by the policyholder. PHI covers a wide range of medical expenses, but it may not cover all of the same expenses as SHI.
Coverage and Services
Both public and private health insurance plans offer a comprehensive range of medical services, including doctor visits, hospital stays, prescription medications, preventive care, and more. The services covered are generally standardized across the system.
Quality of care
Germany is known for its high-quality healthcare services and advanced medical technology. The healthcare system is designed to prioritize patient needs and ensure access to timely and effective medical treatments.
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