How Germany’s Universal Health-Care System Works

How Germany’s Universal Health-Care System Works

Seventy percent of Americans
say the U.S. health-care system is in a state of
crisis or that it has major problems. That’s why we’re hearing a
lot about Medicare for all, including some plans going as far
as banning private health insurance companies altogether. On page eight of the bill, it
says that we will no longer have private insurance as we know it. And that means that one hundred
and forty nine million Americans will no longer be able to
have their current insurance. That’s in four years. I don’t think that’s a bold idea. I think it’s a bad idea. Problem. Senator Sanders, with that damn
bill that you wrote and that Senator Warren backs, is that it
doesn’t trust the American people. I trust you to choose what
makes the most sense for you. Not my way or the highway. One country found a way to
provide universal health care coverage while maintaining a competitive insurance
market that offers citizens more choices: Germany. Here’s
how they did it. In 2017, U.S. health care spending came
to around $10,200 U.S. dollars per capita in Germany. It was a little under $6,000. Overall, Germany spent about 11.2 percent of its GDP on
health care, while the U.S. spent 17.1 percent. Germany manages to cover
100 percent of its population. In the United States, about 8.8 percent of the
population remains uninsured. That comes to about 28 million
people with even more people underinsured. Despite spending less, Germany
has better or comparable health outcomes to
the United States. Studies show that in Germany, there
were fewer deaths that could have been prevented with proper
access to care. In 2013, there were 83 avoidable
deaths out of every 100,000 people in Germany, while the
United States had 112. Life expectancy in Germany is 2.5 years higher than the United States,
and the infant mortality rate is lower in Germany, with 3.3 deaths per 1,000 live births
as opposed to 5.8 deaths in the United States. Additionally, the maternal mortality rate
in the United States is more than 2 times
higher than in Germany. So how does Germany manage to
have better health outcomes while spending nearly half as much
as the United States? Germany is a system that would
look familiar to Americans in that everybody buys health insurance from a
private company and then the doctors and the hospitals and the
labs are almost all private. That’s T.R. Reid, author of the
book “The Healing of America.” He traveled the world exploring different
health care systems and how well they worked. But it works better in
Germany for a couple reasons. One is everybody is covered. Everybody is required
to have insurance. Everybody’s in the system. The insurance companies can’t turn you
down because you had cancer last year or something, they
have to take you. They have to cover you. Everybody has access to the same
treatment and all the doctors. You can go to any doctor without
any limits set by the insurance company. In Germany, health insurance is
mandatory for all citizens and permanent residents. There are two different systems that
residents can turn to for insurance. SHI, which stands for
statutory health insurance and PHI or private health insurance. German citizens are eligible for PHI if
they make more than a roughly 60,000 U.S. dollars per year or if
they are self-employed . Citizens making under that threshold
must pay into S.H.I. S.H.I is made up of a network
of competing, not for profit private health insurance funds known
as sickness funds. In S.H.I., dependents are covered free
of charge and monthly costs are capped around 840
euro per month. Even though S.H.I sickness funds
are not government agencies, many Germans think of them as part of
a public system because of heavy regulation. Keith Tanner helps expats
navigate the German health care system and he considers SHI
sickness funds quasi -public organizations. Basically, they have to
do what they’re told. They they are told by the government
in what range they can charge. They they’re told what health procedures
they can fund and they are told by the government who they
can accept as clients so they’re really just carrying out orders. They’re basically charities. They don’t exist to make a
profit for investors like American health insurance companies. They’re there
to keep people healthy. That’s what they’re there for. They follow all sorts of
rules that American insurance companies wouldn’t dream of. This system is funded through
compulsory contributions based on a percentage of citizens’ salaries with
employers sharing the costs. There are also built
in safety nets. The government will pay into S.H.I. on behalf of the
long term unemployed. Despite being non-profit organizations,
sickness funds compete for customers by offering specific
coverage and perks. This competition has changed over the
years as the system has allowed citizens more choice. As of 2019, there are about
100 statutory health insurance companies, but there used to be many more. When Germany’s system was first
established in the late 1800s, sickness funds were linked
to a person’s profession. It used to be that people were
assigned to a specific sickness fund based on their
occupation or region. Now Germans can choose where they enroll
and they can change funds on a yearly basis. As a result, sickness funds begin
marketing themselves in order to retain customers and
attract new ones. This also led to the funds
merging so they could become more competitive. Some of the sickness funds
offer perks that might seem similar to credit card rewards. You still can get a bonus for going
to the gym and a bonus having a checkup. This is in
the public system. And if you get a certain number
of bonus points, then you get a voucher. But kind of trivial stuff like
200 euros a year or something like that. 200 euros a year. Nothing which is particularly relevant
to the person who’s paying their 840 a month. As of 2017, roughly 87 percent
of Germans receive their primary coverage through S.H.I. and 11 percent of
the population through P.H.I. The remaining population, such as
soldiers, police officers and refugees receive health insurance
through specific government programs. All individuals
insured through P.H.I. pay a risk related premium with
separate premiums for each dependent. These risk based premiums mean that
costs will increase as the insured gets older. As a
result, the government regulates P.H.I. so people don’t become overburdened
by premiums as they age. The biggest issue with private health insurance
if you opt out of a public system is affordability
in old age. If you don’t impose these financial
constraints on insurers, then the government will be lumbered about a whole
lot of old people who reach 85, 90, 95. It’s gonna be totally able to
pay for their health insurance, so it’ll all fall back
on the government. Once someone switches to P.H.I., they can not switch back to S.H.I. in the future. But Tanner says
there are ways around that. If you’re a freelancer in the private
system, you just can’t get a job paying less than the threshold. Any employee earning under about 5000
euro a month is required to have public. If they own more than
that, they can opt out. So if you are a freelancer, you
want to go back into the public system for some reason. Then you’ll get a part time job with
a friend, pays you 500 a month for a few months, and then
you react in the public system. So there are ways to do it. The
only reason you probably want to do that, though, is if you have
lots of children, because children can be covered free in the public system,
in the private system, have to pay separately for each child. Germans can also buy supplemental
private insurance while staying in S.H.I.. For example, many Germans
buy supplemental dental insurance. The public system pays like for
major dental work, about half the cost and then you get supplementary to
take it up to 80, 90 percent of the cost. Germany’s system is not perfect. With so many different insurance
companies, there’s a lot of bureaucracy that contributes
to costs. One of the financial things thinking
it’s a big system administered by more than 100 organizations is
called krankenkassen, each of those has a head office and a president
and vice president and a financial officer, a whole lot
of unnecessary bureaucracy. This may be one of the reasons that
the German system is not as cost effective as other
European countries. More than 30 percent of both
Germans and Americans felt bureaucracy was a major issue
in their country’s system. Wait times can also be an
issue for people in S.H.I. Thirty seven percent of Germans cite wait
times as one of the biggest problems within their system, while 22
percent of Americans feel the same. Generally I think people are quite
happy with the public system. It works reasonably well. The major issue in big cities
— I’m in Berlin, Munich, Düsseldorf, Hamburg. It can take quite a while
to get an appointment with a specialist. It is the case that
the doctors prefer private patients because they own up to three times
more if they see a private patient. So what can the United States
learn from the German system? Germany has managed to balance
cost controls and universal coverage while also maintaining competition. And Germans generally
like their system. In one survey, not a single German
said they had to wait more than four months for an elective surgery,
while four percent of Americans said that they had to wait that
long for the same kinds of procedures. And only 7 percent of
Germans said they experienced a barrier to care because of cost in
the past year compared to 33 percent of Americans. Those citizens really like it. They like the fact
that everybody is covered. They like the fact that
the costs are totally predictable. You know what it’s going to cost
you and how much your insurance company is going to pay you before
you walk in, unlike the United States. They think it’s normal that
the insurance company pays every claim. They can’t believe that insurance
company might deny a claim. And they think it’s normal that
they get to choose the doctor. They don’t understand America, where
the insurance company says we won’t cover a doctor Jones. You have to go
to Dr. Smith instead. So the main thing I learned in going
around the world is you have to make the commitment to provide
health care for everybody. That’s the destination. It turns out there are many
different routes to that destination. I found, you know, the Canadian
model, the French model, the British model, the German model. They all get to this goal
in different ways and different models. So I don’t care what the model is. I think it’s important that you
make the commitment to cover everybody. And this is something
the world’s richest country has never done.

100 Replies to “How Germany’s Universal Health-Care System Works

  1. Germany also doesn't have to spend alot of money on military or security like the USA. I bet if the roles were reversed, you'd see a dramatic change.

  2. It is now more exspensive to live in Germany then California and what they don’t tell you about Heathcare in Germany if you are a certain age and you need surgery they can refuse to do surgery on you…..?

  3. PHI in Germany is also accessible for government personal even if they make less than 60 thousands per year, for innstance teachers, police, community workers, civil servants. But they need the special status as civil servants, not just employees. Its kind of unfair, you could have two people doing the same job at a school or the town hall, one an employee, the other civil servants (Beamter auf Deutsch). But the second has larger financial benefits and pays less taxes, and has access to potential better health care in the private system.

  4. And sickness funds (Krankenkassen auf Deutsch)- in the SHI system- they dont really compete. There is a common list or catalogue of treatmens that they must all pay at least, like a law. They only differ by tiny little peaces like some would give you some money back If you take health prevention cources like yoga or meditation classes. But the all costs about the same. As an employee you pay 7-8 % of your salary as the monthly cost, and your employer pays the same amount.

  5. I think they should drop the age of Medicare to 50 and cover children. That is the age where the insurance industry starts to charge too much for insurance. And Regulate the heck out of it in the in-between.

  6. The SHI are indirectly part of the government, because they have a public function. They aren't private organisations. But they are self-governed.

  7. The actual fact that it leads with Amy and Buttegeig and not Sanders or Warren who get to have their compelling points at all makes this paid for by pharma and big meds…Dont trust this …We love the NHS…better things are possible…

  8. About those 840 US$ per month maximum premiums for SHI…. Your employer pays half of that and those 840 US$ include nursing insurance as well…. 😉

  9. I'm not even going to watch the rest of this video…

    I'm at 1:36 and you can not by an serious meaning derive objective answers from subjective data.

    "Germany have better or comparable health outcomes to the US" Shows overall views of the health care based on how much they like it Yeah that's the ticket.

    "Avoidable Deaths and life expectancy" Yeah, let's forget that the US has more drug use, diets are worse, less exercise, more war deaths, etc etc etc. When you control for accidental deaths and murder. the US literally has the highest life expectancy rate. That alone disproves the life expectancy myth, let alone wait times, quality of care, etc.

  10. It amazes me that this news channel is bringing up the German healthcare system, yet won't discuss M4A, as proposed by Sanders. Personally, this system sounds an awful lot like the ACA, and worse it is a 2 tier system that allows doctors to choose what patients they want to see if you have enough money to pay those doctors who wont except patients who don't make over $60,000. We all know how the American insurance companies are, PROFIT ABOVE EVERYTHING. They will find a way to screw the public or the government out of money. They've proven that to us time and time again. And if they are not doing it, the Republican party will go after the program just like they did the ACA, dismantling it from within until there is nothing left.

  11. The best part actually is: You call in sick, visit a doctor and he will put you off work for some time. You will receive your full wage while you recover.

  12. 2:15 is factually wrong. You CAN NOT buy health insurance from a privat health insurer, you choose a health insurance from a NON PROFIT insurer. Privat health insurance is only available to the top ~ 13% of income earners. Again: ONLY NON PROFIT health insurance for the bottom 87%!

    I repeat the crucial point that can't be emphasized enough: NON PROFIT INSURANCE for bottom 87%, NO PRIVATE INSURANCE AVAILABLE.

  13. Almost anything is better than America's system. But I notice that other European systems were more cost effective?

  14. The American health system is very corrupt, mismanaged by the greedy pharmaceutical and insurance companies and very expensive. The price of healthcare/health insurance in America needs to drop, lots of improvement. As for German system, Germany taxes their citizens much much more then Here in America hence we schooling and healthcare is free…..over taxation is not the right answer.

  15. For me the worst thing that happen in this country is the lack of humanity from the people in clinics and hospitals , also cost of health is ridiculous

  16. Perhaps, to those who're interested in how it works for, say, soldiers:

    German soldiers have NO health insurance but are instead covered by the medical services of the German Army. They can't choose freely which doctor to visit and have to accept medical care at the closest base with a medical facility. More complicated treatmens are performed in Army Hospitals, or an Army Doctor can decide to send a soldier to a private doctor if there's special expertise required. Should there be a medical emergency, they can visit the closest doctor or ER but have to report this to their unit as fast as possible, in which case the emergency treatment will also be covered by the Army.

    At the same time, they have to basically 'buy a place' in one of the Health Insurance Companies. This ensures that they can later buy their insurance again, without an increased rate – basically, they will be treated like they've always been insured by that company. That also means that all possible later injuries and illnesses they got during their service will be disregarded, as would be the case if they'd been insured from the very beginning.

  17. By law everyone has to have health insurance. It is not free. Unless you are unemployed. You pay for it, either out of your salary or yourself. This is not universal health care.

  18. Germans simply live,with all ups and downs,americans die trying.the health insurance "system" in the us is anti social to the max,and the funniest part is that so many citizenz want it the way it is


  20. If Germany’s health care is so great then maybe you can teach Canada how it’s done? Same universal health care but the incompetence and lack of transparency is astounding.

  21. Germany doesn't have universal health care.

    In Germany 100% of people are insured? False, you are obligated to have an health insurance and if you don't have a job (that will pay into the public insurance 14% of your salary) you are obligated to have a private insurance.

    And, if you have private insurance your children will not be covered and you are obligated to buy private insurance for them as well

  22. Only if you don´t own property and when you receive social benefits, then healthcare in Germany is free of charge. Or you have to be an employee. But if you´re self employed (they calculate what you might earn, if you earn it or not doesn´t matter), the monthly healthcare costs, which are exceedingly high, could ruin you. The more you earn, the more you pay. Therefore there is no incentive to start a business in Germany. Healthcare should be free for everybody (financed by the taxes, which people already pay, examples are Great Britain, Danemark, Italy, Sweden etc.

  23. I am from germany and healthcare isn't as great as some people here make it sound like ….
    1. It's not free HC for all, you are just forced to have it … if you can afford it or not
    2. Doctors often give you a minimum treatment because they get fixed and often low payments for their treatment
    3. HC in Germany is great if you are sick a lot or have something very expensive but people who life healthy have to pay for it
    4. you still have to pay for a lot of things extra
    5. the entire HC system is in touble because it's a snowball system

  24. As a normal employee in Germany you do have to care about healthcare or payment at all. Your insure get deduced from your wage automatically (half of it, the other half is paid on top by the employer) and when go to the doctor, you do get a bill, you just go in and go out, same at the pharmacy: You give them you recipe, you get your drugs, you leave. With private insurance things become a little bit more evolved, but also more exclusive. You get perks like single rooms, treatment by the chief medical, no waiting times for specialists (due to weird billing system for public patients), but ultimately you have to pay your own treatment and just ask you insurance for reimbursement (takes 2 days, or so). There some more details: Like all health services are exempt from VAT, etc. But in the end the major difference to the US is: Everything is much more affordable. Having surgery does not cost an arm and a leg (no pun intended). Doctors are still top earners in Germany.

  25. Whatcha the video who are you kidding! You won't fix the health care with private interests. The video is actually giving Bernie more arguments to win the presidency.

  26. After watching this video I feel proud of the Health System we have in Spain. Perhaps we are not among the reaches countries in Europe, but we have a sense of security if sadly you have a serious health problem. The system covers everybody equally, and doctors, nurses and all the professionals in the system are high qualified. Moreover, all the political parties from right to left support it.

  27. I work in the German healthcare system and one thing I would change is that SHI should be mandatory for all, PHI only as an add on (single room, head of department treatment, alternative treatments…).

    The SHI is the best thing Germany ever invented. It is what makes Germany a great place to live.

  28. They didnt mention the private insurances in germany. Where you pay more and get much better treatment. Most german doctors cancel their puplic insurance patients because they get more money with the private ones.

  29. insane how some Americans are fighting against this in the States, fearing they will become COMMUNISTS, yes, they babble against Socialism, but the infamous American ignorance dictates they’re thinking Communism when they speak about Socialism, (education, thats another one!).
    Health is indeed a basic human right. With pity from Canada…..

  30. SAVE THE INSURANCE COMPANIES!!!! They've only killed thousands and thousands and thousands of their customers by fighting over the dollars while people died. The other hundreds of thousands weren't the insurance companies fault, because "those people" couldn't even afford health Insurance. Just THINK of all those billionaires not making money off poor people's suffering.

  31. The German system is based on Private Health Insurance Companies, but Germany has VERY different rules for how companies operate. They are all unionized and they all have union members on their board of directors. That one difference has a huge effect on the ruthlessness and callousness of company policies. If we had that,. I'd say we can keep the Health Insurance Companies but since we don't, I have to assume they would fight and lobby forever to destroy or degrade the public system in order so sell more of their product.

  32. Our mandatory healthcare insurance plus the mandatory retirement insurance had been introduced by Reichskanzler Otto von Bismarck 15. June 1883. Short time after the civil war in the US has ended.

  33. I admit, we have to much Health Organizations "Krankenkassen", but anyway. You get sick, you get help. And it doesn't matter if you are rich or not.

  34. Imagine the US would have 5% more GDP, if they would adopt the german modell, not to mention all the benefits to have healthier citizens.
    But than again, the german modell would be socialism, and that's all the buzz word, Fox and friends need to scare the living hell out of most americans.

  35. correct me if I'am wrong please If you earn less than 60k per year you will be covered by SHI and pay 890 euro per month. If you earn less you also pay less ? I supouse?

  36. What is T.R.Reed talking about??? He understands the German Health system just as much as I understand Baseball. And I have no clue about Baseball ?

  37. The reason healthcare can never be fixed in the united states is because companies can charge whatever they want for things IV bags and services

  38. I have a mental illness that is known to be one of the, if not the most expensive to provide care for. I have had bad experiences with attitudes of doctors (never nurses) in the past, but never with care provided. I am also highly educated, and my entire family pays the same as me: 15,5% of our salary. Now, for my brother it's riding his bike into a ditch every 10 years, for me it's a hospital stay every ten years that can last up to 8 months. In America, I don't think I would have gotten the care needed to survive, and go on to contribute to the system as I do now with a high salary. And though, on an economic level, you gain a lot from getting people to be able to contribute, I also think it is important to take care of the ones who might never be able to do so. It's economically wise for the most part, and moral for the rest.

  39. These propagandist media outlets really need to stop these stupid comparisons. The US is NOT comparable to Germany. The US healthcare system has actually been made substantially WORSE with the passing of Obamacare (you remember how these media outlets were singing it’s praises not that long ago and anyone with concerns about it, concerns that are now playing out, were “racist”) people need to wake up. We’re being lied to and sold snake oil for the sake of the consolidation of power for the political class and the elites. The more socialized our healthcare gets the worse it gets.

  40. I'm German and really happy about the health care system but I wonder if it really works for such a big country like the USA. Germany is small

  41. The slant is real and the corporatists are clearly desperate. They’re leaving out everything else Germany does to provide for its people, which all come together to influence all of the stats touted in this video.

  42. Thank you for this information. I think that we've seen for a decade that America is not smart enough to overcome mandated universal coverage as it will fail under the politics of "freedom".

  43. It would be great if Berni did a documentary where he visits seven European countries and talk about healthcare and show it on a massive screen at his community meetings in different states, ie in colleges, churches, anywhere as long as it showed.

  44. I really hate to say this, but Reagan and decades of rightwing conservative political ideology has transformed USA from once beeing a proud and great nation in to a third world development country…..

    For people from the modern civilized part of the world, like Canada Australia New Zealand Europe etc visiting USA is just like visiting a medieval museum

  45. Choice is not always good. I would rather not see any bills and have a national health service that everybody pays for and gets the same service for and not worry about money or coverage when I get sick or injured, or my wife gets pregnant. If it's an optional elective procedure which isn't to help someone lead a normal life, then it can be a paid procedure. Otherwise, healthcare is a right of every living thing.

  46. Please America wake up, i don't understand why people have a problem with their private insurance being taken away and having universal healthcare insted, that litterally is better than the private insurance that in America is FOR PROFIT unlike Germany, and cheaper, also it covers everything, why do people not want this??? On top of that your fellow 28 million country men get insured too, and suddenly America is doing much better, America shouldnt be on the same level as 3rd world countries, when it's the richest and most advanced country. I pray that people of America vote for Bernie Sanders, he is the only one i trust of your candidates, his work in his 30 years in politics is remarkable, he is not born into richness, he understands working class people, he has fought for the same cause for 30 years, he has never taken donations from large corporations, and still is the only canididate to not take donations from any companies, all donations are individual donations, if Bernie becomes president your country will change for the better, free college, universal healthcare and living wage, just imagine the growth, and the crime rates dropping, better educated and healthier population, people would chace their dreams insted of resorting to crime, the GDP will rise, there will be more American businesses, there are so many things these 3 changes can do for America, it's like a domino effect. It has multiple upsides once it's set in motion the country will only become greater, do yourself a favour guys and vote for Bernie, or atleast research him or watch his very well informed interview on Joe Rogan's podcast.

  47. We had an American patient once here in my hospital in Germany, with a funny story: When it was time for the big rounds and everyone started entering the hospital room (chief medical, lead medical, 2 assistants, student, 2 nurses,…) you could see the blood rush out of her face and she was visibly shaken. She later confessed to me, that she thought she would have to pay for every specialist that entered the room and said hello, basically.
    I told her it's a one stop shop and she was just so relieved!
    What a ridiculous, blow up, intransparent system in the US. I know both from experience…

  48. This is not a LEFT or RIGHT thing guys this is simple basic needs, here in Denmark we have universal healthcare and that's it. And litterally no one want's to change it, no politicians want to change it, and surely no citzen want a change, i don't get how the American people can't agree on a change is needed and that universal healthcare is the ONLY way to go, it works world wide, and proven to work covers all and costs less, this is why bernie is the best bet, the other ideas the other candidates come with are hybrid healthcare or new systems that has never been used or tested, it's almost like America is trying to hard to not copy another country, trying to do their own system. But it is so much safer to use a system the rest of the world uses and is proven to work, private insurance don't work in America it's FOR PROFIT, if america needs a change it should be universal healthcare no private insurances, but maybe some for body modifications, or enhancements that are non health related, like plastic surgery.

  49. So you're telling me the world's richest country can increase its own GDP by making the citizens' health insurance publicly funded?

  50. Yeah, private does provide the better service but the profiting off people's health misfortune just doesn't sit right with me

  51. It's not just a matter of being insured… The cost of healthcare is TOO HIGH in the US. Premium payments are ridiculous – and then you still have to come out of pocket for certain things

  52. US health insurance companies are practicing medicine without a license, neither have they examined any of the patients to reach their diagnoses.

  53. Our secret as germans: MASSIV EXPLOITATION OF HUMAN RESSOURCES….try it….modern slavery works fine.

  54. The introduction of PHI in Germany in the 90s was a neoliberal privatization coup. Choice translates into profiteering and cutting of benefits.
    Competition is a cargo cult!

  55. Mr Reid actually gets it wrong in the very first sentence: In Germany, the vast number of citizens is NOT insured with a "private company". Our public health insurance "companies" are public corporations. They don't maximise their earnings for the benefit of their owners; rather they are state owned. So, there's is no profit motive, as they cannot earn a profit. Their board members are elected by their members, the insured. In effect, they work rather like a co-op than a business.

  56. Looking for the Fox viewer trying to poke a communist / socialist hole in the German system. You must be in the comments somewhere here….

  57. We're stationed in Germany as civilians so we're not under the German health care system. Still my husband's 3 day hospital stay for a cardiac event was only 3000 Euros. With our military insurance the total we paid was 400 Euros.

  58. Why? Wasn't it you love your unlimited, free economy? Hate general health insurance, which is communist? Wasn't Germany the sick man if Europe until a short while ago? Aren't all Germans deep red socialist, unfree, and doomed?

    One question: How is live with crooked teeth?

  59. 1. less people
    2. its for citizens (USA has a lot of undocumented citizens, how are you going to circumvent this? Issue an ID finally to all people?)
    3. being an EU-citizen who is living there unofficially still, finding a doctor who will treat you is tricky….

  60. The Germans pay 14% of their earnings for health insurance. The less you earn the less you pay the more you earn the more you pay but there is a upper ceiling limit.

  61. Also Germany: I pay 180€ per semester as registration fee and can take local trains freely after 7pm on weekdays and the whole day on the weekends with my student ID and don't have tens of thousands of euros debts when I'm done in three months time with studying
    Also Germany: I'll pay 150€ health insurance per month until I have a job (since I'm over 25 and will soon no longer be a student thus no longer the reduced student rate) and still have access to everything just as if I were a "real adult with a job"
    Also Germany: my parents aren't broke because I went abroad twice during my studies thus studying longer since the state helps with extra funding for students who go aborad (and also funds from the EU too, thanks Erasmus)

  62. I've heard from a lot of Germans. There are still problems with their system and they would like to move to a single payer system like M4A.


  64. It's so interesting to see the whole system summarized from an outside view, I study healthcare management in Cologne

  65. I’m not German nor European but now living in Germany. I cannot complain a lot there are many great things of German health care but still here are things that I don’t like about medical insurance/ System in Germany.
    One of the things is that I have to wait a lot of time for special treatments i.e. Gastroscopy and breast ultrasound examination. I have to visit my house-doctor at first who doesn’t open his office all day long, most days he’s open only in the morning time and the doctor has to sign up a paper to bigger hospital for special treatments. And then I have to make an appointment with the hospital and it is like 2 month later even though the paper from my house doctor says I need an emergency gastroscopy. After 2 month I finally got my stomach camera examed and it was clean yeah I healed myself during the time lol
    Similar thing I have mild pain in my breast, I visit Frauenarzt and ask about it and the doctor hand exams saying she doesn’t feel anything. Still I get pain and I am told that I am too young to get my breasts to be ultrasound examed although I pay approximately 180€ per every month and keep feeling the pain.
    These kind of things I can avoid in my homeland, I can just directly make an appointment with bigger hospital by myself and it usually happens within a week, some basic ultrasound even on that day I ask for. And I am covered by both national health care and private insurance both cost me under 100€.
    Nextly it feels like thet German people or medical doctors like to cure an illness by nature. For example I catch a cold and go to doctor and I get a paper that I stay at home one week and get advised to drink a lot of tea, which is not a medicine. I don’t think this is very productive since there are chances you may miss your school classes/ things going on your workplace or have to suffer longer time.
    This doesn’t happen only with cold/flu, my husband has been suffering from stomach pain/diarrhea like 2 months going up and down, sometimes he gets better and worse, untill now doctor still doesn’t diagnose and he had written him a prescription for only one medicine which stops diarrhea. This week he stays at home and I just wish he received a prescription of colonoscopy asap not just staying at home and having no treatment but peace.
    Overall it feels it is very expensive in general cost me only 180€ per month and I don’t get sick every month and not really useful for me due to the latency time/ having to pursuade doctors for special treatments which sometimes rejected in spite of the money I pay for insurance.
    German health care system is great just wanted to say it is not perfect
    My biggest worry is I get cancer and it’s not found early enough because of the reject and delay of the system.

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