The German healthcare system is a universal, multipayer system that is funded mainly by the government. It is one of the most successful healthcare systems in the world. That said, Germany’s life expectancy is ranked as 13th in the world, and the number of practicing physicians is #8.
It is not surprising that Germany has the highest level of spending in Europe. For expats relocating to Germany, here is what you need to know about the German healthcare system.
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Understanding the German Healthcare System
Those eligible to partake, virtually all citizens and residents, have a choice from three different streams of care.
1. Gesetzliche Krankenversicherung or GKV System (Public System)
A public insurance system that is paid for by both employers and employees. The cost is determined by income, making the GKV system an extremely affordable option.
Approximately 92% of the population chooses the government-regulated public health insurance system, known as the Gesetzliche Krankenversicherung (GKV). Overall, it provides an excellent standard of services and also standardizes care throughout the country.
Within the GKV system, patients have the choice of over 100 different “Krankenkassen” or “sickness funds”. The Krankenkasse administers healthcare for each patient. Each Krankenkasse has its own particular approach to patient care.
They often offer special service perks to encourage new registrations. They can also vary in terms of how much coverage they provide for dental, vision, and alternative medical care.
2. Künstlersozialkasse (KSK) System (Self-Employed System)
Insurance for self-employed artists, writers, journalists, and musicians. The KSK essentially acts as an employer by paying half of the insurance costs for people in these fields.
3. Private Krankenversicherung or PKV System (Private System)
PKV is a private insurance option that a small portion of people choose for a higher level of service. Participants are required to have an income that is greater than €57.600 per year, or €4.800 per month
From a value proposition, PKV is often more expensive than GKV and is further limited by the fact that coverage only includes one person.
While GKV includes family members, those who opt for private insurance have to pay extra to include spouses and children.
Still, for those who choose this route, an outstanding level of service and convenience is offered at hospitals and clinics.
Private insurance is also associated with shorter wait times and greater privacy. Finally, a small percentage of people opt for a combination of public and private systems.
They enroll in the public system, much like the majority of their friends and neighbors, and then purchase additional private coverage as a supplement.
Strengths of the German Healthcare System
The German healthcare system places a strong emphasis on choice and freedom. This isn’t limited to choosing between public and private insurance models and selecting a health insurance provider, also known as a Krankenkasse.
Germans aren’t limited by geography and don’t have to choose a physician in their community. German physicians are considered to have a relaxed bedside manner, but they place a high priority on being truthful and direct, even when the prognosis is poor.
And they appreciate patients who are equally forthright. There is no need for euphemisms here! Finding a doctor who is a good fit is important, and it’s possible to switch to a more suitable doctor.
Private Care Options for Foreigners in Germany
Cigna Global Insurance Plan
- Flexible plans tailored to your needs and budget
- 1.5M+ providers in 200+ countries
- 24/7 multilingual customer support
IMG Global Prima Medical Insurance
- Five flexible plan levels with optional add-ons
- Choose your coverage area based on where you live or travel
- Freedom to select your healthcare provider anywhere in the world
Best Health Plan for US Citizens Living in Germany
BCBS Global Solutions Worldwide Premier
- Unlimited annual and lifetime coverage
- Pre-existing conditions covered with prior insurance
- For U.S. citizens abroad or foreign nationals in the U.S.
German Pharmacies and Drugstores
Pharmacies in Germany are well-regulated and a popular source of healthcare information for minor maladies. Known as Apotheke, pharmacies must be owned by pharmacists.
All products, including non-prescription ones, are kept behind the counter, and pharmacists will verify that you understand the appropriate dosages.
If you’re in search of toiletries and cosmetics, what you really want is a drugstore or “Drogerie”. Unlike in other countries, the roles of the Apotheke and the Drogerie are separate.
Alternative Medicine in Germany
Finally, alternative medicine is very popular in Germany. Some visitors and expats find it surprising to hear that their German friends consult with alternative medicine practitioners regarding serious health problems that physicians usually handle.
A physician referral isn’t needed to see a chiropractor or a naturopathic practitioner, and many Krankenkassen include coverage for their services.
Find the Best International Medical Insurance
- Compare multiple quotes from top insurers
- Get expert advice at no additional cost
- Find the right plan for your needs and budget
Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
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