National Contact Point for cross-border healthcare

You are here:

Advantages and disadvantages of the cost reimbursement methods in case of planned treatment as if you had statutory or private health insurance in Germany

Both variants entail advantages and disadvantages whose consequences may vary, depending on the country where you would like to undergo treatment. You will find an overview below of the areas in which these advantages and disadvantages are to be found as a rule. We will be happy to answer any queries you may have.

Regulation (EC) No 883/2004 (treatment as a patient with statutory health insurance in another EU country)

Advantages Disadvantages
You may receive benefits beyond the range of benefits available in Germany, if they are covered by the range of benefits according to the laws of the state of treatment. You always (thus for every out-patient or in-patient treatment) need prior authorisation from your health insurance fund.
Costs incurred do generally not exceed the co-payment applicable to persons with statutory insurance according to the rules of the state of treatment. An entitlement only arises when a prior authorisation has been granted.
Costs are settled directly between the healthcare provider and the healthcare insurers involved. You may only consult healthcare providers with a contract, e.g. doctors, dentists and hospitals having entered into a contract with the statutory health insurance in that state. Your entitlement is limited to benefits within the range of benefits of statutory insurance in the state of treatment.
In cases of malpractice you will be treated like a person insured with statutory insurance of that system in the state of treatment. Since your German health insurance fund does not have a contract with the healthcare provider in the state of treatment, it will not be able to assist you directly in cases of malpractice.
No costs will incur for translations of invoices.  
If the amount of the treatment costs covered by the health insurance in the state of treatment is lower than the amount the German health insurance fund would have covered for a treatment in Germany, you may request reimbursement of your share from your health insurance fund. However, the German health insurance fund may also, if applicable, deduct the co-payment that would have to be paid for the treatment in Germany.  

Directive 2011/24/EU (treatment as a patient with private health insurance in another EU country)

Advantages Disadvantages
You may also consult private healthcare providers (e.g. private doctors and private hospitals). Costs may exceed the amount that is reimbursed by your German healthcare insurer.
The range of benefits you may receive is not limited to those benefits that persons with statutory health insurance of the state of treatment may receive. You will thus be able to receive benefits that are covered by the range of benefits in Germany, but that are not covered in the state of treatment. You will initially have to pay the costs yourself and you will only subsequently receive reimbursement of a part of the costs.
In many cases, prior authorisation is not necessary. If the invoice was not issued in German, it will have to be translated at your expense.
If no prior authorisation is required, you may quickly receive healthcare services. Liability and warranty claims are exclusively governed by the laws of the state of treatment and have to be pursued by you according to these laws. Your health insurance fund in Germany will not be able to offer you assistance with this.
  Language problems may come up. It may be necessary to arrange for a translation of the results of prior examinations carried out in Germany, parts of your medical records or – after treatment – for a translation of results of your medical records in the other country, at your own expense.



Pennefeldsweg 12 c
53177 Bonn

+49 228 9530-802, +49 228 9530-608/, +49 228 9530-800 (Monday to Thursday 8 a.m to 4.30 p.m, Friday 8.a.m. to 3 p.m)

Online contact form

Privacy Policy for enquiries to EU-PATIENTEN.DE

Find National Contact Points of other EU countries

You will find here a list of National Contact Points of the EU with several contact informations.

Regional sources of information

You are living in a border region and you are searching for further regional information sources. Click here for an overview of institutions that could be helpful.

National information media

You will find more national information available here if you want to find out what treatment is available for specific diseases, or if you need further information on the topic of health.


Information on treatment in another EU country at a glance

We use cookies

We use cookies to make the use of our website more convenient for you. We also wish to better understand your user behaviour so that we can continually improve contents and functions. Please therefore agree to the use of the following cookies. You can find more information on the data we store in our Privacy Policy.

Cookies are small text files that a website stores on the computers of our visitors to make individual functions and web applications such as search functions and forms more user-friendly. Cookies are usually stored in the browser cache of the computer.

Our webpages distinguish between necessary cookies, without which the website would not function, and statistics cookies that help us to better understand the user behaviour of our visitors and continuously improve our website. According to the law, we can store necessary cookies on your computer. We need your consent for all other cookies.

You can change or revoke your consent to accept cookies at any time on our website. You can find out more about this in our Privacy Policy.

Necessary cookies ensure that our webpages function correctly. They are required, for example, for navigation, the search function and for individual forms. The following cookies are stored on your computer when you visit our website:

BIGipServer (GKV-Spitzenverband)
This cookie stores information on the server via which the webpage is visited.
Expiry: After closing the browser window/tab

creaseFont (GKV-Spizenverband)
This cookie stores the preferred font size. This cookie is only set if the visitor has chosen a font size other than the standard font size for this website.
Expiry: 60 days

JSESSIONID (GKV-Spitzenverband)
This cookie stores an anonymous ID which is required for certain functions during your visit to our website.
Expiry: After closing the browser window/tab

openSessionHintLayer (GKV-Spitzenverband)
This cookie stores information that the help/support layer has been displayed and clicked.
Expiry: After closing the browser window/tab

These cookies store information on the user behaviour of the visitors of our website. The information stored provides us with data on the reach of our website and the user behaviour of our visitors. This allows us to continually improve our website.

All information is collected and evaluated anonymously. To do so, we use the open source software Matomo, which is installed on our servers. You can read more about this in our Privacy Policy.

_pk_ses (GKV-Spitzenverband / Matomo)
Expiry: 30 minutes

_pk_id (GKV-Spitzenverband / Matomo)
Expiry: 13 months