This is how the German healthcare system generally works! In this comprehensive educational UroChannel video, board-certified urologist and sexologist Dr. med. Dr. phil. Stefan Buntrock demystifies the German healthcare system, a critical topic for residents and potential migrants in Germany. He begins by emphasizing the mandatory nature of health insurance in Germany, which, unlike other nations, is not fully funded by taxes but requires individual contributions. Dr. Buntrock explains the dual structure of the German healthcare system, consisting of statutory (public) and private insurance options, and outlines the financial obligations for each.
The statutory insurance system is funded by a compulsory charge of 14.6% of one's gross income, shared equally between the employee and employer. Moreover, Dr. Buntrock introduces the term "Lohnnebenkosten" (additional wage costs) to describe these contributions more positively. Each insured individual is provided with an electronic health card, which extends coverage to dependents, even outside Germany, under certain conditions.
Dr. Dr. Buntrock further elaborates on the additional contribution, known as "gesetzlicher Zusatzbeitrag," which varies between insurance providers and is also split between the employee and employer. He stresses the importance of comparing different health insurance companies, known as "Krankenkassen," to find one that offers the best value, possibly including extra benefits like dental cleaning or alternative treatments.
Transitioning to private healthcare, Dr. Buntrock explains that this option is typically available to high earners, self-employed individuals, and civil servants. Unlike the statutory system, private insurance rates are based on personal risk, leading to potentially lower costs for younger, healthier individuals but increasing significantly with age.
Finally, Dr. Buntrock touches upon the historical origins of this dual system, dating back to 1883 during the industrialization era under Chancellor Otto von Bismarck. He concludes by hinting at the complexities and ongoing debates about potentially merging the two systems into a single national healthcare framework, promising more detailed coverage in future videos.
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