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Health care in Germany


You will probably have queries regarding health care if you are moving to Germany. Here is an overview of the German health care system.

In Germany, health care quality is very high and waiting times to consult specialists or undergo surgery are very rare. Patients can choose their own GP and do not need any intermediary to consult a specialist. Health care costs however are rather expensive and coverage by health care funds is only partial. 

Health care system

Health care coverage is provided by both public and private health funds. Depending on your situation, you can either choose a public or private health coverage: if your annual gross income is below €53,550 you will need to register with one of the public health funds ("Pflichtmitgliedschaft"). You can choose your own public health fund among a wide range of approved providers. The contribution will be deducted from your monthly salary. For some special care (eye and dental care), public health funds do not provide optimal protection. You can then take out supplementary private health insurance to get a full coverage. 

If your gross annual income is above €53,550, if you are self-employed or an independent worker, you may opt for a private health fund. Benefits are almost similar to that of the public system with a most comprehensive coverage offor dental and eye care. Note that with a private health fund, you can adjust your level of coverage and your monthly contributions based on your own health care needs (if you are young, if you do not suffer from chronic diseases, etc..). 

Health insurance

If you're traveling to Germany, you need to take out a private health insurance before departure. An optimal coverage is essential due to expensive health care costs that might arise from accident or serious illness. 

European Health Insurance Card

EU citizens are covered in Germany through their European Health Insurance Card (EHIC). With the EHIC, health related costs in the country will be taken in charge in the same conditions as for German nationals. If you don't have an EHIC, visit your national health fund to get some information before leaving for Germany.

If you need a private health insurance (as required in the framework of the working holiday visa), please use our free advice and quotation service!

  Emergency Numbers in Germany

112 - Medical, fire emergency.
110 - traffic accidents, police.  

  Useful links: 

gesetzliche Krankenkassen - Public health fund
European Health Insurance Card

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Member since 01 June 2008
Small earth, Mauritius
1 Comment
2 years ago

an other website is Travel Health Insurance For Foreigners in Germany. for srudents,workers , academic visitors,etc. here is the qoute "Travel Health Insurance For Foreigners in Germany Regardless of what your intentions to visit a foreign country are, there are certain things you have to get right in order to enjoy your stay in that particular country. One of the fundamentals involved include your health. Anything that relates to your health is something you can’t ignore. Furthermore, you only want to prepare for the worst so that you’ aren’t caught off-guard. Today, there are different categories of people who frequently visit Germany. These include students, tourists, workers, business individuals, scientists and long term travelers. These people visit Europe for specific reasons, yet they are all tied under one requirement— travel health insurance. "


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