Healthcare in Berlin

Posted on Dec 27, 2010

As in greater Germany, healthcare in Berlin is part of a universal system financed by national health insurance and schools.

Expats in Germany will either need to enroll in state health insurance (Gesetzliche Krankenversicherung), known as sickness funds, or in private insurance (Private Krankenversicherung). Medical care can be expensive, thus its vital expats choose one of the other.

If you are an expat employed in Germany and you earn less than €4000 (approx. $5,270 USD) per month you are a mandatory member of the public system and you and your employer will split the cost of the monthly premium; usually equates to roughly 10% of salary.

Under the public system, individuals can visit any physician they like. Waiting lists are unheard of, and bad service is kept to a minimum.

Expats who earn more than this have the option of opting for private health insurance; schemes differ among service providers and in order to find the plan that best suits your needs and priorities it may be necessary to get the advice of a broker or professional advisor.

It should be noted that the public health insurance may not cover certain services, like private hospital rooms or dental insurance, thus expats will certainly want to consider investigating private options.

Self-employed or unemployed individuals will need to organise a private insurance scheme.

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