German Health Insurance

Germany has a different setup than most EU countries: one can be insured privately or publicly.Public insurance costs are based on income. Private insurance costs are based on health/age etc.Moving from private insurance to public is almost impossible, as far as I know.To give you an idea, I recently switched to private insurance and cut my monthly cost by 50%.

No free healthcare. You have to buy insurance (legal requirement). Depending on your pay, you may buy private insurance at a fixed monthly premium, or public insurance at 15% of your income. Your employer covers half the cost for each one.Currently, the max on public insurance is about 800€/month incl. „Pflegeversicherung“ for when you need permanent care after injuries or old age. You‘re paying half of that, your employer pays the other half.There‘s also tuition at universities but i

Germany has a split system between mandatory government healthcare and voluntary private healthcare, once you pass a certain income threshold (about 80% above average income) or are self-employed.There are differences. The voluntary insurance usually pays 2x to 3x of the mandatory one and covers more treatments that are seen as optional by the government insurance. E.g. physiotherapy is covered by government insurance only for clear indications while private insurances might cover it as a pre

Somehow they have private insurance in Europe too. Germany has universal health care and you are well advised to get private insurance if you make enough that the state will allow you to buy it. The threshold is a salary of about $68K/year in US dollars.

In Germany, private health insurance is the norm above a certain salary level (it's not actually mandatory but when you read about it online, makes it seem so). There is a hybrid private-public insurance option below that level.It's common for employers to subsidise the private insurance at least.And no, it's not messed up like in the US, although it's a large expense by European standards/cheap by US standards (the insurance companies raise the rates every year, a

The point is, that in US the second you stop paying your medical insurance as a result of financial problems caused by job loss/illness/family issues/whatever, you don't have health insurance anymore. Sure, you can go to an emergency room and will be helped, but you are still going to get a bill for it. In Germany(and most of EU) even if you are paying nil towards the national health insurance, you are still fully covered for everything - no bill will ever be produced for any

The US may be the only rich western country without universal health care, but it is by no means the only one without single-payer. Germany, for example, has private health insurance[0] but everyone has to have insurance, public insurers have to accept everyone, and employers have to pay part of the cost.[0] There's a distinction between "public" (gesetzlich) and "private" (privat) health insurance, but neither is run by the government. Public insurers are private org

In Germany it’s two class medicine. 10% have private insurance and 90% are in the statuary health insurance. Those in private insurance have to pay most things on their own and need to try getting it back from insurance company.

Well let me enlighten you, as someone who doesn't live in america. I pay a bit less than 150 euros a months in health insurance in the Netherlands. It is not tied to my employer in any way. If I was poor I could ask for those payments to be subsidized by the state.If I am sick I can just get an appointment with my GP within the day and not pay a thing, they can refer me to specialists or blood tests if needed, which are also fast and free. The remaining healthcare costs for medications o

not all of Europe is the same, there are many countries that still require you to pay additional private healthcare, and you have copay whenever you interact with the system.