Labels

National Contact Point for cross-border healthcare

Bedien-Leiste:
Content
You are here:

The German health insurance system

The majority of the population has statutory health insurance in the German health insurance system. There are specific categories of people who have to or who can take up exclusively private health insurance under certain conditions. We will explain in the text below what this means.

People in Germany have either statutory or private health insurance. More than 90 percent of the benefits offered are however stipulated uniformly by law for all patients with statutory health insurance. Specific categories of people have the choice under certain conditions as to whether they wish to have private or statutory health insurance. This applies for instance to employees whose income is above the mandatory insurance ceiling, which is re-assessed every year, as well as in the case of civil servants and most self-employed people and freelancers. Private health insurance is however also mandatory in certain cases.

The “benefits-in-kind principle” applies in statutory health insurance, according to which persons with statutory health insurance do not have to make upfront payments to the respective healthcare provider (for instance their doctor) for the cost of treatment. Instead, the healthcare provider provides the desired service and subsequently bills it to the statutory healthcare insurer of the person with health insurance, the “health insurance funds”. The range of benefits is regulated according to statutory requirements. The various health insurance funds can offer additional benefits to supplement these prescribed benefits. More than 90 percent of the benefits offered are however stipulated uniformly by law for all patients with statutory health insurance.

The “benefits-in-kind principle” does not apply in private health insurance. In the case of persons with private health insurance, the respective healthcare provider issues a bill after the treatment. The amount of the costs for the individual benefits is set by fee scales. In a normal case, the patient pays the bill and then submits it to his/her healthcare insurer to have all or part of the costs reimbursed.

Contact

Team EU-PATIENTEN.DE

Pennefeldsweg 12 c
53177 Bonn

phone
+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

Finding healthcare providers

You will find here a list of links to search engines available on the Internet, with explanations

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.

Checklists

Information on treatment in Germany 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