Germany: 175 You don’t have to worry about losing your insurance if you lose your job. Press J to jump to the feed. Abortion: Is covered if the mother's health is at risk, or if the mother can't afford it (income below 1,000 Euro), or after a rape. US: 4.0, Hospital beds per 1,000 population: Between the insurers the price differs between 7.9 % and 9.1 % of your income. My prior health insurance plan had a $750 deductible and once reaching … eyeglasses: Always covered for children and minors under the age of 18. The Best Medical Travel Insurance. Germany: 115 No co-payments afterward. If you're insured through a private insurance company, the doctor/hospital will send you a bill (by mail), you pay it, and then send the bill to your insurance company, who will then reimburse you. When you apply for insurance you’ll have to fill out a very extensive medical history form, and the insurance carefully screens out any pre-existing conditions, which are then not covered (or only covered at a significantly increased cost). The company was founded in … Public insurance covers all necessary treatments for all diseases, including for preexisting conditions. Lamblike: https://youtu.be/3gbwWOGhRbk?t=775, Dana: https://youtu.be/cNo3bv_Ez_g?t=2m7s, Katie: https://youtu.be/gRe2sK0m500?t=10m7s, Armstrong: https://youtu.be/bQUSwODxmD8?t=361, Antoinette: https://youtu.be/YZaGMXSLnts?t=2m10s, Victoria: https://youtu.be/OE7qbjM4rWE?t=58s, Julie: https://youtu.be/ID9MbJTHSDc?t=279, Hayley: https://youtu.be/uSlwuS_zxmQ?t=3m35s, BaytoBayern: https://youtu.be/aXGA1H9cWYA?t=55, Sue: "As an American who lived in Germany for several years, I much prefer the German system. Posted Sep 6, 2019. Treat those expat health insurances as "an insurance to get another insurance". Or you could have a plan which provides great cover for dental care, but very little cover for eye care. Time is typically limited to choose the best health insurance plan for your family, but rushing and picking the wrong one can be costly. The transition from being covered under a parent’s plan to finding coverage on your own can be quite daunting — or it can be reasonably easy, if you follow the advice here.. (...) We have had friends who have been diagnosed with tumors and cancer. If an insurer is expensive, that does not mean that they offer the best health care services. I would like to hear from travel nurses who have private health insurance. keep more money available in their bank account), as it can take a few weeks for the insurance to reimburse the costs. Many drugs that are over the counter in other countries are prescription drugs in Germany. US: 2.5. *I'm in Georgia (USA). Co-payment cap: All regular co-payments by you and your spouse combined in one year cannot exceed 2% of your combined income in that year. Germany: 80.9 You can also show up yourself to the emergency room of any hospital, however, you should only do this if you feel your condition is life-threatening. It is a mix and match type of health insurance… (Including an outrageous charge of $400 for a saline IV). What immigrants think about the German health care system, your private insurance contributions won't go down. Also, keep in mind that the premiums are only assessed on the first 54k€ of your income. This is the main reason why private health insurance is such a terrible deal - it looks cheap at the beginning, but when you’re approaching and entering retirement the premiums will be sky-high (and won’t be reduced as your income drops after retirement) - not to mention that any children and non-working spouses must be insured individually (whereas they are covered for free in the public system). Germany: 4.1 In comparison, this year in Germany I spent 6 DAYS in the hospital for getting my tonsils out. For any children older than two months, the same rules apply to them as to you (infants under two months get a standard contract with all conditions covered, but infants above two months don’t). ", Courtney got insurance with preexisting Diabetes: "My insurance covered 95% of the costs of my medication! Throughout this Guide we have argued that your best strategy is to make the primary factor in your plan selection the predicted cost of the plan for families like yours. Health … In case of a life-threatening condition you should always call 112, an ambulance will get you to the hospital. More often than not, they have global coverage limits (so the insurance stops paying after a certain total payout has been reached - if you're in the middle of an expensive treatment at that point, you're screwed), time limits, generally cover only emergency care, and have a reputation for fighting tooth and nail against paying for anything (that's how they keep their premiums so low). Also covered if you have astigmatism and need more than 4 diopters. excluding short-term visitors) must, by law, have comprehensive health insurance with coverage that's at least as good as that provided by German public health insurance. His family received discounts on temporary housing in Heidelberg for the duration of his stay.

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