Germanys Healthcare

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Germany’s Healthcare

Deana Colon
Allen School of Health Sciences
October 14, 2012

Germany

Germany lies in the heart of Europe and is surrounded by nine other countries; Germany has about 82 million people living there, in which 7 million are foreigners. There are 81 big cities in Germany and 89% of the people live in the city. Germany has one of the world’s highest levels of education, technological developmental and economic productivity. Germany is a broadly middle class society. Germany and United States have personal ties for foreign exchange and booming tourism to help each other’s economy. (www.state.gov/r/pa/ei/bgn/3997.htm)

Germany’s Industry and Economy

Germany has the largest economy in the European Union and the fourth in the world. Germany is the world’s second strongest exporting nation. Thanks’ to their skilled labor; they can export machinery, vehicles, chemicals, and household equipment. They have a low unemployment rate because of the highly skilled labor workforce. Although, Germany is expecting a work slowdown in winter 2011-2012 only because of slow economics of countries they export to the United States and Germany keeps a close relationship together for importing and exporting products.

Insurance

The German healthcare system has the reputation for being one of the best in the world but it is not cheap. Everyone has access to the healthcare system regardless of your income or social status. Germany’s health benefits are very generous and they have little or no wait times on elective surgeries, and diagnostic test. Germans enjoy their healthcare system, but some do take it for granted.

State Health Plan or Private

Germany has two different health insurance plans. The first is the State Health Insurance, and the second is Private Health Insurance. In order to get a residency permit in Germany, you are required to show proof of insurance. Since the 2007 health insurance reform, it is mandatory for everyone living in Germany to have insurance. It is a law that applies to everyone. (www.state.gov/r/pa/ei/bgn/3997.htm)

State Health Insurance

Everyone who lives in Germany is required by law to have insurance. More than 88% of the population is covered. The state insurance plan covers; preventative services, inpatient and outpatient hospital care, physician services, mental healthcare, dental care, prescription drugs, medical aids, rehabilitation, hospice care and sick leave compensation. The state health insurance also includes regular dental checkup, well child checkups, basic immunizations, checkup for chronic diseases, and cancer screenings at certain ages. ( The German Healthcare System 2011, Contributing Authors; Reinhard Busse, Berlin University of Technology; Miriam Bluemel, Berlin University of Technology and Stephanie Stock University of Cologne Medical School.) The State insurance is great for those who earn a small amount, because you get a lot of good insurance for a low rate. If you are married and have a spouse with children, they are automatically covered by the State Health Insurance. This is the same for college students and those who are in an internship. (ww.toytowngermany.com)

Private Health Insurance

Private Health Insurance is for those who are self-employed or the wealthy. Private Health Insurance has more extensive coverage than the State Health Insurance. With private insurance, you have options for private hospital room, acupuncture and herbal treatments. Private Insurance is still regulated by the government just to ensure that the insured do not face larger premium increases, with private insurance you have to pay for your family to have coverage.

Health Care Costs

State Health Insurance contributions are based on your gross income. The contributions are split between employer and the employee. The insured employee pays 8.2% of their gross income while the employer...
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