Navigating Healthcare in Germany: Public vs. Private Insurance Explained

Confused about health insurance options in Germany? This video breaks down the key differences between public and private health insurance plans. If you‘ve got 3 minutes to spare, we‘ll help you understand the basics of Public Health Insurance and Private Health Insurance in Germany.

[marcoeisenkratzer]

What this Lady forgot to mention that the private system (PKV) sometimes quite like to throw out their customers if it is too expensive, as with my cousin and who has stayed at the cost of several € 10, 000.
That's one of the reasons why 90% of Germans are in public system (GKV). The (PKV) is good if you have only slight illnesses, but if you have a serious illness that lasts months may be that you lose your insurance coverage. In Germany, in the first 6 weeks of your illness, the company in which you work continues to pay your salary, after that you will receive sickness benefit from your insurance (I think 66% of your salary) up to 72 weeks, but only with the GKV is guaranteed. With the private (PKV) that can be that you get nothing at all, that depends on what you have negotiated with those, but then the contributions are really expensive.

[dangranger]

This is very misleading. Private healthcare insurance in Germany is very expensive, the wait time for non-emergency stuff is much shorter, but all it takes is s bit of planning. The public option is by far the way to go, been using it for almost 20-years.

[horsthoerster]

I worked in the health insurance bussines in germany - it is shocking ... beside the fact that private insured people are prioritized at doctors appointments... everything else said here is simply WRONG... this kind of abvertising should be banned even from do your own research

[RainerSpielberg]

there is no annual reevaluation of what treatment is offered. this is pretty fixed. There is an evaluation if new treatments are offered. but also very new (and sometimes very expensive treatments) are offered. the evaluation is also not done by the individual insurances- but by a group consisting of patients, doctors and insurances.

[RainerSpielberg]

you should mark that this is an advertisement for a privat insurance.

[adimo]

"Private Krankenversicherung" wants you to get private insurance. Hm, why would that be?

[quartytypo]

What people call free someone else is paying for it.

[yaqoubalshatti]

When you said public opintion is more expensive, did you mean the co-payment and deductible wise, if they do exists, or what exactly. Because if it's just tax funded, then the money is getting pooled together from different brackets of income, and corporate taxes etc., the example you gave wouldn't necessarily apply.

[garrettjackson]

Dude turn down the frequency of the ads please!! I have to see this like 16 times a day. Annoying as!

[sufiyan]

Do insurance cover the cost for medicines?

[vipul]

This is soooo misleading.... Do you really think privatisation is better for healthcare and paying for your fellow countrymen is wrong?

[declanmcleod]

So in other socialized medicine aspect only works, if the funds are if not, then what? No treatments? That's not a good system!

[Cyflw]

WTF?! You have absolutely no idea what you are talking about. There is like one sentence in your three-minute video that could be considered not a hundred percent wrong. ^^

[freudba]

America is private and it takes weeks to see a doctor

[maxl]

I live Germany and the health care system is bad here