Actually the question if you get a private or a public health insurance - if you can choose because of your income or your employment status - is no question. If you're smart, you stick to public insurance. Private insurance lure you in with really low premiums when you are young - and therefore have a low risk profile - but they will really cash in when you get old or become chronically ill. A retired person will pay easily more than 800 € per month for private insurance, while he will only pay like 250 € or so for public insurance. The problem is, once you've switched to private insurance, it is quite difficult to get back into public insurance (it's possible though, but that usually involves a job change), and when you reached 55 years of age, you cannot switch back for good. If you are in public insurance and want to get the (mostly irrelevant) additional benefits of private insurance, you can always get additional private insurances which will pay for a 1-person bed bedroom, gourmet meals or exclusive treatments by the medical head honcho and things like that.
My partner reached the salary limit at the age of 40, we had the change calculated for us. Since school-age children still lived in the home, private insurance would be more expensive + not many people have the money in an account for medical emergencies. Because it sometimes takes a few days or weeks for the health insurance to reimburse the amount. (some reimburse immediately if the total amount reached is approx. 2000 €, otherwise only once a month / or every 4 weeks)
I have used Feather based on your referral. Now I’m really happy with my current insurance provider, much better service and speaks English. Thank you. Jen and Yvonne.
The thing with antibiotics is that there is a limited range of different kinds. Bacteria are getting immune against certain kinds of antibiotics over time, and that’s why we try to use them only if really needed, so that the different kinds aren’t “used up” any time soon.
Yes, antimicrobial resistance (AMR) is currently considered to be the biggest existential threat to the global human population. Bacteria, not humans or animals, become antibiotic-resistant. These bacteria may infect humans and animals, and the infections they cause are harder to treat than those caused by non-resistant bacteria. Antibiotic resistance leads to higher medical costs, prolonged hospital stays, and increased mortality in humans.
@@suzannes5888 Fun fact: The soviet Union was under embargo also for medicine. Hence they used a different way to overcome the antibiotics shortage. In the soviet union the treatment with bacteriophages was developped further, which does not have the issue with antibiotic resistance. People with such resistance can still be treated, and meanwhile Russia and Georgia are the leaders in this medicine, which already caused some medical tourism for treatment.
I literally have no plans to move to Germany anytime soon I just really like learning through your videos and listening to you both talk. Both your personalities are fun to watch on camera but Yvonne gets me every time with her real bluntness. 😂🤣👏🏻❤️
Thank you for the explanation. I think one of the points that were missing is how to find doctors/clinics that have an agreement with a certain public/private insurance company. Maybe it can be an idea for a video in the future? with details on how to choose doctors, ,how to book an appointment, how the medical bill is payed through health insurance, etc.
Generally speaking, as we mention, public insurance always gets covered directly. Meaning you will never see a bill or have to pay anything, unless you get a treatment that is not part of the coverage. With private insurance, you usually always get the bill yourself and have to pay it directly and then ask for the money back from your insurance. There might be exceptions, like you mention, if there is an agreement between two specific parties, but that is not that common.
You only mentioned one important advantage of statutory health insurance in one sentence. In the statutory health insurance, family members without their own income are automatically also insured. In private health insurance, each person must be insured individually for a fee.
If you don't have health insurance in D, you have to retroactively pay all premiums in one go from the time this was discovered, plus a penalty surcharge. If an employer lets you work without insurance, they are committing a crime
Well, theoretically you can be uninsured in Germany. You'd have to be a freelancer, or self-employed, or someone who once made a lot of money so you'd decided to get private insurance, instead of the public insurance. Then something changes in your job status, ie you don't make enough money any more to pay your insurance fees. So after some time your PRIVATE insurance company kicks you from the insurance for not paying your fees. But since your status remains self-employed or freelancer, you could result in being uninsured. As you probably will be unable to pay your unemployment fees as well, if you can't pay your insurance fees either, you will drop through the safety net in Germany, as you also wouldn't get unemployment benefits. Because once you leave the public insurance and enter private insurance you normally can't go back to public insurance again. So, pro tip number 1 for anyone thinking about being a freelancer or self-employed finding yourself without health insurance: shouldn't it work out for you, try to find ANY kind of official employed job with an employer, and you can return to the public insurance. It doesn't matter how crappy the employment is, be certain to get an employed job for at least a few months. Then you are eligible again to return and remain in the public insurance even if you are later unemployed again, in which case the government will pay your insurance fees for you from your unemployment benefits. Pro tip number 2: get yourself a Krankenhauszusatzversicherung, a hospital supplementary insurance. These are very very cheap. This allows you to choose a single bed room on admittance, and depending on the provider for this type of insurance can net you some additional benefits as well. Such as choosing the Chefarzt / chief doctor, or Hauptchirug / chief surgeon of the hospital, instead of a secondary crew. This helps if you want a well-known specialist to do the medical procedures instead of another, possibly less well known and specialised doctor (or team) to take care of you. Or these supplementary insurances will also cover the Krankenhaustagegeld, the 10€ per day (up to 240€ per year of hospital stay), or some other minor fees like special TV stations or other luxury items you might want in your room. But these are much more flexible in what you want, and obviously changes your fees.
Regarding pro tip #1: If you're older than 55 finding a job won't help either. It’s almost impossible to go back to public insurance. I would recommend to go for voluntary public insurance. It may be more expensive when you're younger but saves money when you get older. If you want to and can afford it you can get an additional private insurance for "better" treatment. That way you always have the safety net of public insurance.
Krankenhauszusatzversicherung is indeed very important, because you can get 😁a room of your own in hospital. Otherwise one may share the room with some strange guys which is not so comfortable.
It ist easy to leave the private Insurance: Just work for a Minimum of one month for a Minimum of 20 hours per week, May be as a "Pflegehelfer*in", and you are back in the public system. The Key ist to work in a "Sozialversicherungspflichtiges Beschäftigungsverhältnis" 😉
Sharing the room with 3 other peoples depends on the hospital. My wife on public health insurance was in a room with 2 beds only, because in that specific hospital they had only rooms with 2 beds.
It just depends on the hospital how many people share a room. Many hospitals have 2bedrooms, at older ones 3 or 4 people share a room. Sometimes an additional person will join the room if the hospital is crowded for whatever reason. I was in hospital two weeks before. The clinic has 2bedrooms. I could have paid a private fee of 87 € per night to get a room just for me, but i am not sure if it is depending on availability. If they are overcrowded and ill people won t get a room, it could not be right that others get a room alone.
AC is a germ spreader if not maintained properly and continously. So most clinics will refrain to go for this option. I would normally always opt for a room with more people. It can get boring if you don't. Getting bugged by the others? simply use hearing protection.
Very enlightening to watch you talk about the differences in Germany - until climate-change started to show, Germany was a country with fairly moderate climate, so AC was unknown. First buildings with AC were modern business-complexes. Nowadays AC gets more and more common in buildings and cars as well, but we have still a long way to go. Geographically Germany is the same latitude as southern Canada, NewYork City is the same latitude as Madrid/Spain. According to our belief in natural remedies remember, that 'modern medicine' is just 120 years old (starting with Robert Koch's discovery of bacteria), but natural treats have proven their value over thousands of years - the ancient egyptians even did successful brain surgery ~2,500 B.C.! Keep up your good work
IIRC (it was at least 9 years ago, since I got a new employee) the employer has to register a new employee with the insurance company, the employee tells him. From that time on the employer has to pay insurance (about half of it is deducted from the salary) and the employee is insured. He will get his insurance card by mail and he can use it until he changes the insurance company (or it expires and he gets a new one).
Thank you ladies, I love your blog and you guys are doing a great favour to all expats who are planning to settle in Germany. Keep up the great work. Cheers!
May I add a point that I find special for Germany. That is the whole subject of pregnancy protection. This not only applies to health insurance but also to other social systems. As far as I know, you can stay at home once you become aware of the pregnancy and up to four (?) Weeks after the birth date. Wages are paid all the time or mostly paid (67%?). You can then go on "maternity leave" for 1, 2, 3 years and the job remains reserved for the mother. 100m from us in Switzerland it looks very different ...
You must (!) stay home short before and several weeks after birth ("Mutterschutz"). You only can stay home before that if a doctor orders so (if you have pregnancy complications), but in some jobs you might stay home after becoming aware of the pregnancy with a "Berufsverbot", for instance if you work with small children, to keep you safe from their illnesses. The "maternity leave" you are referring to is the "Elternzeit" (which is paid) and it does not only apply to women. The father can stay home as well or both can share the time.
4:20 Some insurance companies let you "park" your private health insurance for a small yearly fee, e.g. if you were as freelancer privately insured and got now e.g. a halftime job and your pay is less than the "Beitragsbemessungsgrenze" (earnings ceiling), so you can change to a public health insurance (mostly at an associate company - many insurance providers have a private and a public branch in the form of associate companies - but you can even change later to another provider). But you have to pay that fee additional to the contributions for the public health insurance - forever. 5:30 "Multi-berth" is nowadays in most hospitals a 2-bed- or maybe 3-bed-room, but not all berths will be used at normal times. Older hospitals do have sometimes 4- or 5-bed rooms, but as a rule hospitals will be reconstructed every 2 to 3 decades, and they will reduce the number of berths per room then. As "private patient" you can choose to have a single room, but you have to pay for it (and the insurance should then repay the amount to you, but you have to advance the money).
Antibiotics: Your body doesn't become immune if you take them too often. What can happen, is that you will breed immune bacteria if you stop taking the antibiotic too early (because only those bacteria, which are least susceptible to the antibiotic, will survive and reproduce) => don't stop taking the antibiotic when you feel better, but continue taking it as long as you were instructed.
Hi, great video! I wish you'd make a in-detail step-by-step what-to-do-if-you're-sick video, covering things like where to call? what kinds of things are covered by my insurance, how's the healthcare system hierarchy structured (like am I supposed to have like a family doctor, or when should I go to a clinic or to a hospital?). I moved recently and I got sick for the first time a few days ago and had no idea what to do 😂
Oh no, so sorry you got sick. Hope you have recovered well! Thanks for the video suggestion. I have added it to our list of topics to tackle :). In the meantime, once you're sick and if you need a sick slip for your employer you can make an appointment to any doctor that accepts public insurance. There is an app called Doctolib that might help.
Every time I watch a vlog like this I have to wonder whether Bismarck had any idea of what his decision in the 19th century would cause and that we would stick to them through centuries and even be happy about them.
Hey guys please can you make a sperate vlog for new students settle down in Germany which will cover most important key points which every one should know who is student in Germany a international student.
Technically you can have no insurance in Germany but its pretty convoluted since you would first have to earn enough money to get into private insurance and then drop the private insurance after that. Which probably is not gonna happen. But if it did you would have to pay for every visit to the doctor or hospital ect. for full
As for the add-on insurance for hospitals: Often you can choose to opt out of some of the amenities covered by the insurance, and get a per diem instead. Last time I was in hospital I took the single room, but opted out of getting treated by the head surgeon. This way I got back 30 EUR per day I was in hospital (and to be frank, I rather trust a surgeon who performs the operation every day, than someone who is spending most of the time managing the hospital). On the other hand, today you really have to do the math if these insurances are worth the expense. Many surgical procedures that 20 years ago you would have spend a week in hospital for are now more commonly done as outpatient surgeries, or with only one or two nights in hospital. I guess most people could survive one or two nights in the same room with a couple of snoring grannies next to them, if they can save 250 - 300 EUR per year.
Thanks for the information! I have a question about things you did not cover in the video. You only spoke about what happens when we are sick, but my question is what else is covered by the public health insurance? For example, are physiotherapy sessions included? What about mental health therapy, like meetings with a psychotherapist? Thank you
It depends on your insurance and the policy you have. For us with our public health insurance we had to pay a one time fee of like 35€ for 6 sessions with a physiotherapist that our house doctor referred us to. We plan to make a video in mental health soon. In the mea time, May e this article might help you: blog.complicated.life/how-to-get-therapy-that-is-covered-by-the-german-public-health-insurance-tk/
Most people in Berlin says TK is the best provider for public insurance. I don't see TK listed as the recommended public insurance through Feather though. I probably going to talk to both and see which one gives the best option. In addition, most people said if we are planning to live in Germany forever / till retired and grow old, public insurance is the best option because private insurance will eff you up specially if you get bad medical condition once old in the future.
Feather definitely works together with TK and we agree, TK is one of the best public health insurances for English-Speakers. We have written a full review on them: www.simplegermany.com/tk-insurance-germany/
Es wird immer die Berufsgenossenschaft vergessen. Sie zahlt bei Arbeits- und Wegeunfällen, sowie bei berufsbedingten Erkankungen. Sie zahlt die Behandlungen und Reha und eventuelle Renten. Man ist dort beitragsfrei versichert, eventuell sogar ohne Arbeitgeber, wie z.B Nachbarschaftshilfe beim Hausbau.
I've been in Germany for 6 months now, and I've been amazed at the health insurance system. However, do you guys know how I can get to know the specifics of what a particular provider covers? Is there a specific document I can ask for?
Hey Jen & Yvonne, I really enjoy watching your helpful videos! Thank you for making them filled with so much fun :D I had a question about TK health insurance. I have a blue card and I am insured under TK, my husband arrived a year later to me to Germany and he was also insured under my TK insurance as dependant. Later, he was employed, and then I found out, that he also had a health insurance deduction by TK from his salary. I am not sure if this is the way it should be. I mean, if he was already insured, why would he have to pay again from his salary?
Your husband can only be insured under your policy as long as he does not work himself. The moment he gets employed he needs to pay social security contributions himself. Health insurance is part of that. Hope this clears things up. 😊
Thank you so much for this video. I got rejected by all the companies when coming here(which is, so Ive been told afterwards, illegal) and in fear of the legal consequences, I was forced to sign up for a private insurance, hefty price, might I add, and which very often does not cover for the expenses, they always find a reason, and since I dont understand the system here, there is not much I can do about it. I am still hoping I will be allowed to get out of it after the contract expires, even though you said it is not allowed. But I am wandering how when theres an expiration date on the contract. Anyways, super grateful for this, but also other of your videos, theyre great and super practical. ☺️
Hey Bojana, mmh maybe it’s best if you consult Feather Insurance (link in the description of this video), maybe they can help you switch your health insurance 😊
No, we don't have such a video yet. But both TK and Ottonova as health insurances offer a tool to find English-speaking doctors. You could also search on Doctolib.
Hello ladies. I have a question about private insurance please: so for people over 40 years old coming to Germany as international students, we need to have private insurance (so I have read and researched). What I am not sure about is whether it has to be a German private Insurance or could it be based in my home country (I mean from a private agent but based in my home country)? Would you be able to advice in this please?
We would think that it needs to be German private insurance, just because you need it for your residence permit. But please feel free to consult our partner Feather Insurance for free: www.simplegermany.com/feather-health-insurance/
thx for making the video, i want to edit something: for me as a (german) nurse also working in germany its very important to say, that our healthcare system is only this good cause, cause a lot of people like me and other jobs in the hospital are paid very worse in comparison to the doctors. And the second important thing is, that we nurses are not as qualified, cause its not a bachelor degree, as every nurse in every other country in the world! which doesnt mean, that we are dumb :D
Wow thank you so much for your comment and insight! Nurses are super important in the healthcare industry, you should be appreciated more. Thank you for everything you do! 💜
In Germany a house doctor (Hausarzt) refers to your general practitioner, who you go to, when you feel sick. In case they can't treat you, they will then refer you to a specialist. So a house doctor is like your go to doctor. You can simply look for Hausarzt in your area and choose to go there the next time you feel sick and then just stick to that one, that way he/she becomes your house doctor. 😊
@@dale29 When I first moved to Berlin I thought a House doctor = Everyone has a personal doctor who comes to your house when you are sick, how luxury!! LOL
Yes, anyone in Germany needs to have health insurance. We would also never travel without travel insurance. It is comparatively cheap and ensures proper medical care abroad without high costs.
German healthcare is fine, better than many other countries as long as you live within the system. Once you step out, it can become HELL. Eg. After my years in Guatemala, I wasnt allowed to have insurance at all because I didnt have a job and I wasnt rich. (Back then the obligation to have insurance wasn't in place yet.) Now I live in Australia where I have to pay an arm and a leg to go to the dentist. When I visit Germany, I am not insured at all. If I wanted to be insured without having a job, it would be very expensive. Or maybe they wouldnt let me, who knows. This stuff is super complicated. Thanks for the informative video.
If you are a German and you don't have a job, the state covers your healthcare. The only way for a person to have no insurance in Germany is by personal failure. By getting a private insurance and unable to pay for it. But there are ways getting out of that misery.
@@steambunxi you are correct. If you dont have a job, you can get healthcare if you successfully apply for Arbeitslosengeld 1 or 2, Hartz 4 or Sozialhilfe and meet all the obligations the government will demand of you. However, when I was in that situation that wasnt a valid option for me. Back then, there was no obligation to be insured yet and it was confirmed to me from pretty high up that I wasn t allowed to have any health insurance. I spent two years in that state until I left the country again. Now, if I want to go back for a few months to look after my mother, I would be in the situation that I either stay illegally without being insured or pay an arm or a leg to get insured. No clue how long it is legal for me to stay without insurance in Germany, not sure if a Krankenkasse would accept me. What I want to point out with this yarn is that the German healthcare system is unweildy and overly complicated. On top, having a hundred public insurance companies which all do the same is utterly pointless. Agreed that the result of the system is good for most people. There are problems such as long waiting times to see a specialist, but I believe it is good in international comparison.
@@gulliverthegullible6667 Yeah it sort a bit a gray area... The welfare agency covers for you as long as you are legitimate to receive welfare, otherwise you have to pay it yourself. You only have to pay the lowest amount possible though. But without a job, that is still a lot. But I would say getting welfare or aid from the state is very easy in germany... Well a lot lot lot easier than in the states for sure.
Another great video! A couple of questions: does German medical insurance pay for medical treatment when you're traveling around the world? Or, if you were severely injured while visiting another country with little medical infrastructure, do you have to be treated in that country - or do they pay to air-evacute (aka "medi-vac") you back to Germany?
Hey Suzanne, if you have private health insurance you can also opt for an international tariff. Public health insurance includes basic cover within the EU but not outside the EU. You should always book travel health insurance, which is super cheap, it starts at 9€ a year.
Hi, is it possible to get both public healthcare insurance and private? Reason I asked is because I have pre-existing condition and I want whatever is not covered by public insurance to be covered by private.
Is it only me or the system here is just not working ...it took me 4 months to get an appointment..and still waiting for the insurance approval 🙄 tons of bureacracy..I'm paying >400Euros (public) and the service I'm getting is crap ! In addition , personnel at the reception are very very rude ...like unusually rude ...and booking online is a mess not working either..... I'm loosing my mind and now thinking about planning my holidays in other countries to get proper health care ...I'm in Berlin not sure if all Germany is having the same issues within the healthcare ..but really I'm very disappointed and shocked 😥
Sorry to read your experience. It could be a city-related thing. Here in Düsseldorf we've been to doctors this year without any issue. Friendly staff, no problem for getting an appointment, and even scheduling surgeries. We have a detailed video on how we handle going to the doctor, which might help you out: ruclips.net/video/SsA-aMtagA0/видео.html
That would be the perfect example to talk to a health insurance consultant like Feather (www.simplegermany.com/feather-health-yt/) ...our bet would be that private insurance is the way to go.
We have not tackled the topic on a video, but we have a detailed guide you can check out: www.simplegermany.com/private-vs-public-health-insurance-germany/
How much do health insurance and prescriptions cost as a percentage of average cost of living? Health insurance in the United States takes a huge percent of your income.
That depends what type of health insurance you have, if it is public it is between 14-17% of your income. If you are employed, your employer pays 50%. If you have private health insurance there is no set percentage, as it depends on your health and age.
It depends on the doctor and the urgency of your situation. There are doctors that welcome walk-ins with high waiting times. Or you just call in the morning and they provide an emergency appointment. I guess an appointment is needed for doctors to better plan their day.
I am pretty sure, that your university will help you on that matter. Most universities have international students and those questions pop up on a regular basis. Student insurance is usually super cheap. This page will probably also help you www.internationale-studierende.de/en/on_arrival/health_insurance/ There are different rules for EU and Non EU students. One rules is the same for all : No health insurance, no enrollment into Uni.
germany made health insurance legally required in 2007, right before the 2008 global financial crisis - to expect low income earners to pay up to 20% of their monthly income, regardless of whether they need or use healthcare, is absolutely insane, please try to convince me otherwise. fellow germans, its simple: you need a wealth tax - you have MANY wealthy families in germany, der spiegel tracks them each year - these families have sucked wealth away from the german people (i know east and west deutschland is complicated, but its been 30 yrs so probs not as relevant anymore) germans need a publicly available basic healthcare system similar to australia. stop disproportionately + legally taxing lower income peeps when they may not even use the service, and start taxing your wealthy, they literally make hundreds of millions in PASSIVE income each year from assets. they do nothing for this. they were simply born into a wealthy family, some of which _have been tracking their family tree and wealth for 9 centuries_ am i crazy here? please try to convince me otherwise dont believe me? watch the DW doco on it, then please start talking to your german friends + family about 1: taxing the wealthy more, and 2: introducing a basic healthcare system that covers basic needs for all germans. this isn't cold war era anymore, germany is incredibly rich, germans deserve basic healthcare that doesn't leech off of the general population - again, expecting low income earners to pay up to 20% of their monthly income for a service they may not need or use is insane, especially when you have SO MANY DAMN WEALTHY PEOPLE EVERYWHERE FOR LITERAL CENTURIES OF HOARDED/INHERITED WEALTH srry i get frustrated when standing up for poor people
having no ac in hospitals is crazy, we all realise that the planet is heating up cos of the boomers + silent generation no (im referencing the exxon mobil court case from 80s where the execs illegally lied about their knowledge of increasing global temperatures due to fossil fuel industry)? germany has a similar AC problem with a lot of their train systems as well germans, you deserve better, there is so much wealth in your country, you deserve better, you are the leading economy in the european union, you deserve better, you are the 4th largest economy on the planet, germans, my friends, you deserve better
I‘m so confused about the public or private health insurance🤔so this means that there is no free universal health cover in Germany? or is it a combination of both? 😵💫 why is there a private or public health insurance?
No, if you have a job, you have to pay for health insurance . Nearly half of this amount is covered by your employer, the rest is deducted from your gros income. ( it is a percentage of your gros). If you are unemployed you are insured without paying. Private offers some benefits, it is cheaper when you are younger, so many young good earning professionals choose to be private insured. Unfortunately prices go up depending on the risk of the insurance company, so if you are older or have chronic illness your fees go up. Thats the reason why it is difficult to go back into public insurance, because everybody high income would choose the cheap private insurance as long as they are young. And they would go back if the fees go up. You cannot only do cherry picking..
Could have not said it better. Thanks Wendy! By the way Moni ka, Germany has super strong social contributions. So whatever you might think is free, like health care, is usually paid somehow. If you’re employed, as Wendy mentioned, you pay half and your employer pays half. If you want to know what other social contributions get from your salary, you can check our salary payslip explanation video: ruclips.net/video/UgoMecMxg0o/видео.html
The main difference between German public health insurance and single payer systems like those of Canada or the UK is that the latter ones are paid out of the annual government budget (taxes), while the German one is a separate fee (still relative to your income). Also, the public insurance providers aren't government offices. They're kind-of-independent non profit organizations. I like it that way, because it means the government can't just cut the funding whenever it is on an austerity trip (and it always is).
There are over 100k people in Germany who are not insured. If you make over 70k or are self employed it is voluntary. Might want to get that part a bit clearer
Thanks for your feedback, however that changed in 2009. Since 2009 everyone no matter if employed or not has to have health insurance: www.krankenkassenzentrale.de/wiki/krankenversicherungspflicht 😊
Don't mix it up... You have to have an health insurance. If you earn over a certain amount of money, you can opt out from the public one and get a private one. And that is actually the only ways to have no insurance at all. It's a personal failure. Because if you can't pay for the insurance anymore, you can be kicked out. ruclips.net/video/YMcvaxJpKzw/видео.html
@@sbmcnamara Hey I'm curious with where this number come from? And these 140k people what happen to them when the government finds out? I mean I wouldn't expect the homeless people are able to pay for that, but what about Job center support?
![Private or Public Health Insurance in Germany [Which One To Choose?]](http://i.ytimg.com/vi/M4WyXxSoe1I/mqdefault.jpg)
I like the way you guys are sharing expat and local perspective and knowledge in a simple and honest way. Kudos.
Actually the question if you get a private or a public health insurance - if you can choose because of your income or your employment status - is no question. If you're smart, you stick to public insurance.
Private insurance lure you in with really low premiums when you are young - and therefore have a low risk profile - but they will really cash in when you get old or become chronically ill. A retired person will pay easily more than 800 € per month for private insurance, while he will only pay like 250 € or so for public insurance. The problem is, once you've switched to private insurance, it is quite difficult to get back into public insurance (it's possible though, but that usually involves a job change), and when you reached 55 years of age, you cannot switch back for good.
If you are in public insurance and want to get the (mostly irrelevant) additional benefits of private insurance, you can always get additional private insurances which will pay for a 1-person bed bedroom, gourmet meals or exclusive treatments by the medical head honcho and things like that.
My partner reached the salary limit at the age of 40, we had the change calculated for us. Since school-age children still lived in the home, private insurance would be more expensive + not many people have the money in an account for medical emergencies. Because it sometimes takes a few days or weeks for the health insurance to reimburse the amount. (some reimburse immediately if the total amount reached is approx. 2000 €, otherwise only once a month / or every 4 weeks)
I love the way how yvonne keeps looking at you while you speaking 😂
Yepp, those two are so sweet together.
Love, Love
Indeed
I have used Feather based on your referral. Now I’m really happy with my current insurance provider, much better service and speaks English. Thank you. Jen and Yvonne.
The thing with antibiotics is that there is a limited range of different kinds. Bacteria are getting immune against certain kinds of antibiotics over time, and that’s why we try to use them only if really needed, so that the different kinds aren’t “used up” any time soon.
Yes, antimicrobial resistance (AMR) is currently considered to be the biggest existential threat to the global human population.
Bacteria, not humans or animals, become antibiotic-resistant. These bacteria may infect humans and animals, and the infections they cause are harder to treat than those caused by non-resistant bacteria. Antibiotic resistance leads to higher medical costs, prolonged hospital stays, and increased mortality in humans.
@@suzannes5888 Fun fact: The soviet Union was under embargo also for medicine. Hence they used a different way to overcome the antibiotics shortage. In the soviet union the treatment with bacteriophages was developped further, which does not have the issue with antibiotic resistance. People with such resistance can still be treated, and meanwhile Russia and Georgia are the leaders in this medicine, which already caused some medical tourism for treatment.
I literally have no plans to move to Germany anytime soon I just really like learning through your videos and listening to you both talk. Both your personalities are fun to watch on camera but Yvonne gets me every time with her real bluntness. 😂🤣👏🏻❤️
Bluntness????? 😢
Simple , efficient, effortless but always with perfect smile. Great content. 👍
Thanks for your feedback Rahul!
Great job you two. Funny yet informative. I watched a few videos on the German healthcare system but you ladies broke it down clearly and perfectly.
Chefarzt in British English is called the senior consultant and Oberarzt is called the consultant and Assistent Arzt is called a junior doctor.
As always you 2 are absolutely delightful and once again I have received valuable information!
Indeed one of the best channel to know detailed information about Germany, point to point (without any stupidity). Keep it up.
Thank you for the explanation.
I think one of the points that were missing is how to find doctors/clinics that have an agreement with a certain public/private insurance company.
Maybe it can be an idea for a video in the future? with details on how to choose doctors, ,how to book an appointment, how the medical bill is payed through health insurance, etc.
Generally speaking, as we mention, public insurance always gets covered directly. Meaning you will never see a bill or have to pay anything, unless you get a treatment that is not part of the coverage. With private insurance, you usually always get the bill yourself and have to pay it directly and then ask for the money back from your insurance. There might be exceptions, like you mention, if there is an agreement between two specific parties, but that is not that common.
You only mentioned one important advantage of statutory health insurance in one sentence. In the statutory health insurance, family members without their own income are automatically also insured. In private health insurance, each person must be insured individually for a fee.
I've literally binge watched all the videos on the channel! Such amazing content for a new comer to Germany! Thank you so much
Welcome to the community 🤗
If you don't have health insurance in D, you have to retroactively pay all premiums in one go from the time this was discovered, plus a penalty surcharge. If an employer lets you work without insurance, they are committing a crime
Well, theoretically you can be uninsured in Germany. You'd have to be a freelancer, or self-employed, or someone who once made a lot of money so you'd decided to get private insurance, instead of the public insurance. Then something changes in your job status, ie you don't make enough money any more to pay your insurance fees. So after some time your PRIVATE insurance company kicks you from the insurance for not paying your fees. But since your status remains self-employed or freelancer, you could result in being uninsured. As you probably will be unable to pay your unemployment fees as well, if you can't pay your insurance fees either, you will drop through the safety net in Germany, as you also wouldn't get unemployment benefits.
Because once you leave the public insurance and enter private insurance you normally can't go back to public insurance again.
So, pro tip number 1 for anyone thinking about being a freelancer or self-employed finding yourself without health insurance: shouldn't it work out for you, try to find ANY kind of official employed job with an employer, and you can return to the public insurance.
It doesn't matter how crappy the employment is, be certain to get an employed job for at least a few months. Then you are eligible again to return and remain in the public insurance even if you are later unemployed again, in which case the government will pay your insurance fees for you from your unemployment benefits.
Pro tip number 2: get yourself a Krankenhauszusatzversicherung, a hospital supplementary insurance. These are very very cheap. This allows you to choose a single bed room on admittance, and depending on the provider for this type of insurance can net you some additional benefits as well. Such as choosing the Chefarzt / chief doctor, or Hauptchirug / chief surgeon of the hospital, instead of a secondary crew. This helps if you want a well-known specialist to do the medical procedures instead of another, possibly less well known and specialised doctor (or team) to take care of you. Or these supplementary insurances will also cover the Krankenhaustagegeld, the 10€ per day (up to 240€ per year of hospital stay), or some other minor fees like special TV stations or other luxury items you might want in your room. But these are much more flexible in what you want, and obviously changes your fees.
Regarding pro tip #1: If you're older than 55 finding a job won't help either. It’s almost impossible to go back to public insurance. I would recommend to go for voluntary public insurance. It may be more expensive when you're younger but saves money when you get older.
If you want to and can afford it you can get an additional private insurance for "better" treatment. That way you always have the safety net of public insurance.
Krankenhauszusatzversicherung is indeed very important, because you can get 😁a room of your own in hospital. Otherwise one may share the room with some strange guys which is not so comfortable.
It ist easy to leave the private Insurance: Just work for a Minimum of one month for a Minimum of 20 hours per week, May be as a "Pflegehelfer*in", and you are back in the public system. The Key ist to work in a "Sozialversicherungspflichtiges Beschäftigungsverhältnis" 😉
... however, you need to be younger than 55.
Sharing the room with 3 other peoples depends on the hospital. My wife on public health insurance was in a room with 2 beds only, because in that specific hospital they had only rooms with 2 beds.
It just depends on the hospital how many people share a room. Many hospitals have 2bedrooms, at older ones 3 or 4 people share a room. Sometimes an additional person will join the room if the hospital is crowded for whatever reason. I was in hospital two weeks before. The clinic has 2bedrooms. I could have paid a private fee of 87 € per night to get a room just for me, but i am not sure if it is depending on availability. If they are overcrowded and ill people won t get a room, it could not be right that others get a room alone.
AC is a germ spreader if not maintained properly and continously.
So most clinics will refrain to go for this option.
I would normally always opt for a room with more people.
It can get boring if you don't. Getting bugged by the others? simply use hearing protection.
You two are the greatest. Thank you for the information.
Very enlightening to watch you talk about the differences in Germany - until climate-change started to show, Germany was a country with fairly moderate climate, so AC was unknown. First buildings with AC were modern business-complexes. Nowadays AC gets more and more common in buildings and cars as well, but we have still a long way to go. Geographically Germany is the same latitude as southern Canada, NewYork City is the same latitude as Madrid/Spain.
According to our belief in natural remedies remember, that 'modern medicine' is just 120 years old (starting with Robert Koch's discovery of bacteria), but natural treats have proven their value over thousands of years - the ancient egyptians even did successful brain surgery ~2,500 B.C.!
Keep up your good work
IIRC (it was at least 9 years ago, since I got a new employee) the employer has to register a new employee with the insurance company, the employee tells him. From that time on the employer has to pay insurance (about half of it is deducted from the salary) and the employee is insured. He will get his insurance card by mail and he can use it until he changes the insurance company (or it expires and he gets a new one).
Thank you ladies, I love your blog and you guys are doing a great favour to all expats who are planning to settle in Germany. Keep up the great work. Cheers!
I never have to make an appointment with my "Hausarzt", only with specialists like my neurologist.
Whitout appointment I have to wait for at least 30min, with appointment only 5 minutes.
May I add a point that I find special for Germany. That is the whole subject of pregnancy protection. This not only applies to health insurance but also to other social systems. As far as I know, you can stay at home once you become aware of the pregnancy and up to four (?) Weeks after the birth date. Wages are paid all the time or mostly paid (67%?). You can then go on "maternity leave" for 1, 2, 3 years and the job remains reserved for the mother. 100m from us in Switzerland it looks very different ...
You must (!) stay home short before and several weeks after birth ("Mutterschutz"). You only can stay home before that if a doctor orders so (if you have pregnancy complications), but in some jobs you might stay home after becoming aware of the pregnancy with a "Berufsverbot", for instance if you work with small children, to keep you safe from their illnesses. The "maternity leave" you are referring to is the "Elternzeit" (which is paid) and it does not only apply to women. The father can stay home as well or both can share the time.
4:20 Some insurance companies let you "park" your private health insurance for a small yearly fee, e.g. if you were as freelancer privately insured and got now e.g. a halftime job and your pay is less than the "Beitragsbemessungsgrenze" (earnings ceiling), so you can change to a public health insurance (mostly at an associate company - many insurance providers have a private and a public branch in the form of associate companies - but you can even change later to another provider). But you have to pay that fee additional to the contributions for the public health insurance - forever.
5:30 "Multi-berth" is nowadays in most hospitals a 2-bed- or maybe 3-bed-room, but not all berths will be used at normal times. Older hospitals do have sometimes 4- or 5-bed rooms, but as a rule hospitals will be reconstructed every 2 to 3 decades, and they will reduce the number of berths per room then. As "private patient" you can choose to have a single room, but you have to pay for it (and the insurance should then repay the amount to you, but you have to advance the money).
Algeria is a country with a lot of problems but my aunt got a 10years paid sick leave
Antibiotics: Your body doesn't become immune if you take them too often. What can happen, is that you will breed immune bacteria if you stop taking the antibiotic too early (because only those bacteria, which are least susceptible to the antibiotic, will survive and reproduce) => don't stop taking the antibiotic when you feel better, but continue taking it as long as you were instructed.
I am aware of German affinity towards herbal medicine. In India we get many German tourists for Ayurvedic treatment.
Hi, great video! I wish you'd make a in-detail step-by-step what-to-do-if-you're-sick video, covering things like where to call? what kinds of things are covered by my insurance, how's the healthcare system hierarchy structured (like am I supposed to have like a family doctor, or when should I go to a clinic or to a hospital?). I moved recently and I got sick for the first time a few days ago and had no idea what to do 😂
Oh no, so sorry you got sick. Hope you have recovered well! Thanks for the video suggestion. I have added it to our list of topics to tackle :). In the meantime, once you're sick and if you need a sick slip for your employer you can make an appointment to any doctor that accepts public insurance. There is an app called Doctolib that might help.
@@simplegermany , I would like to hear if you have created and published the suggested video?
@@simplegermany except with public health insurance you’d be lucky to find an appointment before 10 days pass by…
your videos are really helpful ! keep up the good work
Thank you! Glad you find them helpful 🙂
Hello girls I love your contents!!! Extremely helpful ❤
Every time I watch a vlog like this I have to wonder whether Bismarck had any idea of what his decision in the 19th century would cause and that we would stick to them through centuries and even be happy about them.
Hey guys please can you make a sperate vlog for new students settle down in Germany which will cover most important key points which every one should know who is student in Germany a international student.
Love you all.
Very informative.
Technically you can have no insurance in Germany but its pretty convoluted since you would first have to earn enough money to get into private insurance and then drop the private insurance after that. Which probably is not gonna happen. But if it did you would have to pay for every visit to the doctor or hospital ect. for full
As for the add-on insurance for hospitals: Often you can choose to opt out of some of the amenities covered by the insurance, and get a per diem instead. Last time I was in hospital I took the single room, but opted out of getting treated by the head surgeon. This way I got back 30 EUR per day I was in hospital (and to be frank, I rather trust a surgeon who performs the operation every day, than someone who is spending most of the time managing the hospital).
On the other hand, today you really have to do the math if these insurances are worth the expense. Many surgical procedures that 20 years ago you would have spend a week in hospital for are now more commonly done as outpatient surgeries, or with only one or two nights in hospital. I guess most people could survive one or two nights in the same room with a couple of snoring grannies next to them, if they can save 250 - 300 EUR per year.
Often there is a possibility of paying a few additional euros and switch to a room with less people in it. If there are any such rooms!
Thanks for the information! I have a question about things you did not cover in the video. You only spoke about what happens when we are sick, but my question is what else is covered by the public health insurance?
For example, are physiotherapy sessions included? What about mental health therapy, like meetings with a psychotherapist?
Thank you
It depends on your insurance and the policy you have. For us with our public health insurance we had to pay a one time fee of like 35€ for 6 sessions with a physiotherapist that our house doctor referred us to.
We plan to make a video in mental health soon. In the mea time, May e this article might help you: blog.complicated.life/how-to-get-therapy-that-is-covered-by-the-german-public-health-insurance-tk/
Thanks a lot for creating this content! Super helpful. Love watching your videos!
Most people in Berlin says TK is the best provider for public insurance. I don't see TK listed as the recommended public insurance through Feather though. I probably going to talk to both and see which one gives the best option.
In addition, most people said if we are planning to live in Germany forever / till retired and grow old, public insurance is the best option because private insurance will eff you up specially if you get bad medical condition once old in the future.
Feather definitely works together with TK and we agree, TK is one of the best public health insurances for English-Speakers. We have written a full review on them: www.simplegermany.com/tk-insurance-germany/
Es wird immer die Berufsgenossenschaft vergessen. Sie zahlt bei Arbeits- und Wegeunfällen, sowie bei berufsbedingten Erkankungen. Sie zahlt die Behandlungen und Reha und eventuelle Renten. Man ist dort beitragsfrei versichert, eventuell sogar ohne Arbeitgeber, wie z.B Nachbarschaftshilfe beim Hausbau.
Very good information
hahah I love those ladies :) very interesting and informative to watch
Can you make a video on how to apply for public health insurance?
You can simply follow our guide: www.simplegermany.com/private-vs-public-health-insurance-germany/#How_do_you_get_public_health_insurance_in_Germany 😊
I've been in Germany for 6 months now, and I've been amazed at the health insurance system. However, do you guys know how I can get to know the specifics of what a particular provider covers? Is there a specific document I can ask for?
Yes, most providers have a list of their cover on the website. If you have a specific question, you can always contact your provider directly and ask.
Your videos are really informative. Great work. Keep it up
Hey JY, I watched this vid and I think/hope I used your link and signed up with feather. Thanks for the video. You two rock!
Thanks Jason! Haha cool nickname: JY 😅
You guys should also think of podcasts format it might be more interesting.
Hey Jen & Yvonne, I really enjoy watching your helpful videos! Thank you for making them filled with so much fun :D I had a question about TK health insurance. I have a blue card and I am insured under TK, my husband arrived a year later to me to Germany and he was also insured under my TK insurance as dependant. Later, he was employed, and then I found out, that he also had a health insurance deduction by TK from his salary. I am not sure if this is the way it should be. I mean, if he was already insured, why would he have to pay again from his salary?
Your husband can only be insured under your policy as long as he does not work himself. The moment he gets employed he needs to pay social security contributions himself. Health insurance is part of that. Hope this clears things up. 😊
@@simplegermany Thank you for the instant response!! yes, it clears ;) keep posting such good stuff!
Hi deepali... how about rare diseases coverage for Expats? Any idea on Blue Card
Thank you so much for this video. I got rejected by all the companies when coming here(which is, so Ive been told afterwards, illegal) and in fear of the legal consequences, I was forced to sign up for a private insurance, hefty price, might I add, and which very often does not cover for the expenses, they always find a reason, and since I dont understand the system here, there is not much I can do about it. I am still hoping I will be allowed to get out of it after the contract expires, even though you said it is not allowed. But I am wandering how when theres an expiration date on the contract. Anyways, super grateful for this, but also other of your videos, theyre great and super practical. ☺️
Hey Bojana, mmh maybe it’s best if you consult Feather Insurance (link in the description of this video), maybe they can help you switch your health insurance 😊
Thanks for the insights. Do you have any video talking about english speaking doctors or hospitals?
No, we don't have such a video yet. But both TK and Ottonova as health insurances offer a tool to find English-speaking doctors. You could also search on Doctolib.
@@simplegermany Thanks you so much, you are making every expat's life so "smoooooooth" as you say it :) in Germany
Being cautious to antibiotics is reasonable. Good for Germany on that. :)
Hello ladies. I have a question about private insurance please: so for people over 40 years old coming to Germany as international students, we need to have private insurance (so I have read and researched). What I am not sure about is whether it has to be a German private Insurance or could it be based in my home country (I mean from a private agent but based in my home country)? Would you be able to advice in this please?
We would think that it needs to be German private insurance, just because you need it for your residence permit. But please feel free to consult our partner Feather Insurance for free: www.simplegermany.com/feather-health-insurance/
Ein Schnupfen kommt in drei Tagen , bleibt drei Tage und geht in drei Tagen.😅Der Doktor sagt immer viel trinken (Tee)🤧😅👍
How my Granny always said: A flew takes 7 days without medicine and with one week.
thx for making the video, i want to edit something: for me as a (german) nurse also working in germany its very important to say, that our healthcare system is only this good cause, cause a lot of people like me and other jobs in the hospital are paid very worse in comparison to the doctors. And the second important thing is, that we nurses are not as qualified, cause its not a bachelor degree, as every nurse in every other country in the world! which doesnt mean, that we are dumb :D
Wow thank you so much for your comment and insight! Nurses are super important in the healthcare industry, you should be appreciated more. Thank you for everything you do! 💜
You are welcome, but pls remind that if you vote next time, its a problem more than over 40 xears now, and no one cares... 😅
thanks for the video ,wanted to ask what is the name of add-on to be treated as a private insurance?
I still don’t understand why I am not receiving a document about my diagnostic? :))
Very good content!
What is a house doctor and how do you get one? Like do you go to a doctor and ask them to be a house doctor?
In Germany a house doctor (Hausarzt) refers to your general practitioner, who you go to, when you feel sick. In case they can't treat you, they will then refer you to a specialist. So a house doctor is like your go to doctor. You can simply look for Hausarzt in your area and choose to go there the next time you feel sick and then just stick to that one, that way he/she becomes your house doctor. 😊
@@simplegermany Thank you so much for replying and clarifying! I was so confused. I thought there was some kind formality. 😁
@@dale29 When I first moved to Berlin I thought a House doctor = Everyone has a personal doctor who comes to your house when you are sick, how luxury!! LOL
thanks, guys very informative. Would you guys recommend german travel and health insurance for students over and under 30 years of age?
Yes, anyone in Germany needs to have health insurance. We would also never travel without travel insurance. It is comparatively cheap and ensures proper medical care abroad without high costs.
@@simplegermany thanks :)
Hi! Do you know any Privat Versicherung that covers Derma service?
German healthcare is fine, better than many other countries as long as you live within the system. Once you step out, it can become HELL. Eg. After my years in Guatemala, I wasnt allowed to have insurance at all because I didnt have a job and I wasnt rich. (Back then the obligation to have insurance wasn't in place yet.) Now I live in Australia where I have to pay an arm and a leg to go to the dentist. When I visit Germany, I am not insured at all. If I wanted to be insured without having a job, it would be very expensive. Or maybe they wouldnt let me, who knows. This stuff is super complicated. Thanks for the informative video.
If you are a German and you don't have a job, the state covers your healthcare. The only way for a person to have no insurance in Germany is by personal failure. By getting a private insurance and unable to pay for it. But there are ways getting out of that misery.
@@steambunxi you are correct. If you dont have a job, you can get healthcare if you successfully apply for Arbeitslosengeld 1 or 2, Hartz 4 or Sozialhilfe and meet all the obligations the government will demand of you. However, when I was in that situation that wasnt a valid option for me. Back then, there was no obligation to be insured yet and it was confirmed to me from pretty high up that I wasn t allowed to have any health insurance. I spent two years in that state until I left the country again.
Now, if I want to go back for a few months to look after my mother, I would be in the situation that I either stay illegally without being insured or pay an arm or a leg to get insured. No clue how long it is legal for me to stay without insurance in Germany, not sure if a Krankenkasse would accept me.
What I want to point out with this yarn is that the German healthcare system is unweildy and overly complicated. On top, having a hundred public insurance companies which all do the same is utterly pointless.
Agreed that the result of the system is good for most people. There are problems such as long waiting times to see a specialist, but I believe it is good in international comparison.
@@gulliverthegullible6667 Yeah it sort a bit a gray area... The welfare agency covers for you as long as you are legitimate to receive welfare, otherwise you have to pay it yourself. You only have to pay the lowest amount possible though. But without a job, that is still a lot. But I would say getting welfare or aid from the state is very easy in germany... Well a lot lot lot easier than in the states for sure.
You two are so lovely 🥰
in thing five you mayby mean: lohnfortzahlung im Krankheitsfall. :))
Anything for Expats suffering from Rare Disease?
Another great video! A couple of questions: does German medical insurance pay for medical treatment when you're traveling around the world? Or, if you were severely injured while visiting another country with little medical infrastructure, do you have to be treated in that country - or do they pay to air-evacute (aka "medi-vac") you back to Germany?
Hey Suzanne, if you have private health insurance you can also opt for an international tariff. Public health insurance includes basic cover within the EU but not outside the EU. You should always book travel health insurance, which is super cheap, it starts at 9€ a year.
So does that mean an international student above 30 who normally should have a private insurance can never have public insurance even after studies?
They need to get employed in a Job that is Sozialversicherungspflichtig before age 50. Then Public Insurance is mandatory.
Hi, is it possible to get both public healthcare insurance and private? Reason I asked is because I have pre-existing condition and I want whatever is not covered by public insurance to be covered by private.
Public health insurance covers pre-existing conditions, while private health insurance might exclude them.
Do employer and employees pay health insurance half half in Germany and deducted from monthly salary?
Yes :). You can learn more in our video on how to understand German payslips: ruclips.net/video/UgoMecMxg0o/видео.html
@@simplegermany danke! I am going to be seconded to Düsseldorf and I m negotiating my salary! Love u guys
I still don't understand how insurance works in Germany. Been in Germany for some months
Coming from a country that I don't need a health insurance, it can be quite a handful to take in...
What exactly are your questions?
Is it only me or the system here is just not working ...it took me 4 months to get an appointment..and still waiting for the insurance approval 🙄 tons of bureacracy..I'm paying >400Euros (public) and the service I'm getting is crap ! In addition , personnel at the reception are very very rude ...like unusually rude ...and booking online is a mess not working either..... I'm loosing my mind and now thinking about planning my holidays in other countries to get proper health care ...I'm in Berlin not sure if all Germany is having the same issues within the healthcare ..but really I'm very disappointed and shocked 😥
Sorry to read your experience. It could be a city-related thing. Here in Düsseldorf we've been to doctors this year without any issue. Friendly staff, no problem for getting an appointment, and even scheduling surgeries. We have a detailed video on how we handle going to the doctor, which might help you out: ruclips.net/video/SsA-aMtagA0/видео.html
How many months can you get a prescription for, currently in Lithuania we can get 3 months at a time
That depends on your illness.
A cold takes 14 days without doctor and 2 Weeks with a doctor.
😅
Great video! Germans and natural remedies are like: "Getting over a cold takes 7 days with a doctor and a week without."
So what if you are retired and RETURN back to Germany (still with German passport) after decades in USA? How to get health insurance then.
That would be the perfect example to talk to a health insurance consultant like Feather (www.simplegermany.com/feather-health-yt/) ...our bet would be that private insurance is the way to go.
Don’t y’all have a video on just health insurance for expats moving to Germany.
We have not tackled the topic on a video, but we have a detailed guide you can check out: www.simplegermany.com/private-vs-public-health-insurance-germany/
The worst things is every where they are not interested to register our health card.
New friend here, stay connected 😊
How much do health insurance and prescriptions cost as a percentage of average cost of living? Health insurance in the United States takes a huge percent of your income.
That depends what type of health insurance you have, if it is public it is between 14-17% of your income. If you are employed, your employer pays 50%. If you have private health insurance there is no set percentage, as it depends on your health and age.
@@simplegermany Thank you.
At the beginning of the video, why is there a proper hand sign for numbers?
Oh the way I (Jen) did it is mainly used in the American continent. The way Yvonne corrected me is the European way 😋
@@simplegermany oooohhh now I know. Thank you!
Getting surgery done by the chef would be hella interesting though
Your AC inclination kills the planet. What cools your room - house heats up the outside. So simple it is.
do i need to appoint family doctor? why is it necessary, if at all?
It depends on the doctor and the urgency of your situation. There are doctors that welcome walk-ins with high waiting times. Or you just call in the morning and they provide an emergency appointment. I guess an appointment is needed for doctors to better plan their day.
I am coming to Germany for studies, then can I take public health insurance?
Yes, you should be able to!
I am pretty sure, that your university will help you on that matter. Most universities have international students and those questions pop up on a regular basis. Student insurance is usually super cheap. This page will probably also help you www.internationale-studierende.de/en/on_arrival/health_insurance/ There are different rules for EU and Non EU students. One rules is the same for all : No health insurance, no enrollment into Uni.
You have to show a written proof of insurance when you immatriculate
@@utterfailure6335 You need insurance already when you matriculate at a university. So you're de-facto not able to study without it.
germany made health insurance legally required in 2007, right before the 2008 global financial crisis - to expect low income earners to pay up to 20% of their monthly income, regardless of whether they need or use healthcare, is absolutely insane, please try to convince me otherwise.
fellow germans, its simple: you need a wealth tax - you have MANY wealthy families in germany, der spiegel tracks them each year - these families have sucked wealth away from the german people (i know east and west deutschland is complicated, but its been 30 yrs so probs not as relevant anymore)
germans need a publicly available basic healthcare system similar to australia. stop disproportionately + legally taxing lower income peeps when they may not even use the service, and start taxing your wealthy, they literally make hundreds of millions in PASSIVE income each year from assets. they do nothing for this. they were simply born into a wealthy family, some of which _have been tracking their family tree and wealth for 9 centuries_ am i crazy here? please try to convince me otherwise
dont believe me? watch the DW doco on it, then please start talking to your german friends + family about 1: taxing the wealthy more, and 2: introducing a basic healthcare system that covers basic needs for all germans. this isn't cold war era anymore, germany is incredibly rich, germans deserve basic healthcare that doesn't leech off of the general population -
again, expecting low income earners to pay up to 20% of their monthly income for a service they may not need or use is insane, especially when you have SO MANY DAMN WEALTHY PEOPLE EVERYWHERE FOR LITERAL CENTURIES OF HOARDED/INHERITED WEALTH srry i get frustrated when standing up for poor people
having no ac in hospitals is crazy, we all realise that the planet is heating up cos of the boomers + silent generation no (im referencing the exxon mobil court case from 80s where the execs illegally lied about their knowledge of increasing global temperatures due to fossil fuel industry)?
germany has a similar AC problem with a lot of their train systems as well
germans, you deserve better, there is so much wealth in your country, you deserve better, you are the leading economy in the european union, you deserve better, you are the 4th largest economy on the planet, germans, my friends, you deserve better
Antibiotika haben wir bereits genug im Schweinefleisch, damuss der Arzt nichtnoch extra was verschreiben.
😅
Wenn ich 'nen Schnupfen hab lutsch ich erst mal 'n rohes Schnitzel. Wenn's dann noch nicht besser ist kann ich immer noch zum Arzt.
@@K__a__M__I Mettbrötchen!
I‘m so confused about the public or private health insurance🤔so this means that there is no free universal health cover in Germany? or is it a combination of both? 😵💫 why is there a private or public health insurance?
No, if you have a job, you have to pay for health insurance . Nearly half of this amount is covered by your employer, the rest is deducted from your gros income. ( it is a percentage of your gros). If you are unemployed you are insured without paying. Private offers some benefits, it is cheaper when you are younger, so many young good earning professionals choose to be private insured. Unfortunately prices go up depending on the risk of the insurance company, so if you are older or have chronic illness your fees go up. Thats the reason why it is difficult to go back into public insurance, because everybody high income would choose the cheap private insurance as long as they are young. And they would go back if the fees go up. You cannot only do cherry picking..
Could have not said it better. Thanks Wendy!
By the way Moni ka, Germany has super strong social contributions. So whatever you might think is free, like health care, is usually paid somehow. If you’re employed, as Wendy mentioned, you pay half and your employer pays half. If you want to know what other social contributions get from your salary, you can check our salary payslip explanation video: ruclips.net/video/UgoMecMxg0o/видео.html
@@wendyw.2778 Thanks for the clarification🤗!
@@simplegermany Thanks for the additional information 👌!
The main difference between German public health insurance and single payer systems like those of Canada or the UK is that the latter ones are paid out of the annual government budget (taxes), while the German one is a separate fee (still relative to your income). Also, the public insurance providers aren't government offices. They're kind-of-independent non profit organizations.
I like it that way, because it means the government can't just cut the funding whenever it is on an austerity trip (and it always is).
LMFAO your ear falls off! Drink a tea!
😅
😂😂😂🤗🤗🤗❤️❤️❤️
German Healthcare: 🍷🍷
😂👍🏽
@@simplegermany1-2 Gläser Rotwein - ich glaub es sind die Tannine!? Wineprobe???🤣
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There are over 100k people in Germany who are not insured.
If you make over 70k or are self employed it is voluntary.
Might want to get that part a bit clearer
Thanks for your feedback, however that changed in 2009. Since 2009 everyone no matter if employed or not has to have health insurance: www.krankenkassenzentrale.de/wiki/krankenversicherungspflicht 😊
your information is outdated, as Simple Germany explained. Obligatory Health Insurance in Germany. For everybody.
Don't mix it up... You have to have an health insurance. If you earn over a certain amount of money, you can opt out from the public one and get a private one. And that is actually the only ways to have no insurance at all. It's a personal failure. Because if you can't pay for the insurance anymore, you can be kicked out.
ruclips.net/video/YMcvaxJpKzw/видео.html
@@simplegermany
Have to have
And
Actually have
Are not the same thing.
There are about 140k adults in Germany currently without health insurance
@@sbmcnamara Hey I'm curious with where this number come from? And these 140k people what happen to them when the government finds out? I mean I wouldn't expect the homeless people are able to pay for that, but what about Job center support?
😂😂😂 Stucked with 2 grannies
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