Health insurance is mandatory whilst residing in Germany. Additionally, the Insurance company issuing the policy must be registered and licensed in Germany. The section below provides information on the German health system to include hospitals, German doctors, and medical treatment. The German health system is unique and will most likely differ from your home country so it is important that you are properly informed to ensure you obtain the right coverage to meet your needs.
For those already covered by the generic public health insurance, the option exists to increase coverage with a supplementary health insurance plan. These privately arranged insurance options offer an increased level of coverage and benefits above the public variety, as well as the ability to make certain choices during medical treatment
The absence from work due to sickness over a longer period of time, can have drastic impact on the financial situation of insured persons. Self-employed persons with private health insurance do not get continued wages or coverage when having to stop work due to illness. In order to protect against the loss of income due to illnesses for a longer period of time, self-employed and freelancers should take out a private daily sickness allowance insurance.
Healthcare in Germany is based on a decentralized and self-governing system. This article describes the functioning of the German healthcare system, its structure, the changes it has experienced over time, and the organizations involved in the delivery of healthcare in the country.
For expats (temporarily) living in Germany, the European Health Insurance Card (EHIC), or Europäische Krankenversicherungskarte in German, is an essential piece of documentation. This article aims to explain what an EHIC is, how to apply for it, and what will be covered with the EHIC in Germany.
As of 2009, everyone who lives and works in Germany must have health insurance.. Citizens from outside the EU who intend to stay in Germany for over 90 days must submit the required documentation for a residence permit or a visa.
The majority of people in Germany will have, as their family doctor, a general practitioner or Hausarzt. When required, the Hausarzt will make referrals to a specialist. However, visiting a specialist without contacting your family doctor is an option.
In Germany, Pharmacies or chemists are responsible for dispensing medication. These are called an Apotheke, and they will usually display a large, red A in the store window to signify the store's function. These should not be confused with a drugstore, or Drogerie as said in German, which is a store that sells toiletries, snacks, and is more like a general store.