Guide to Health Insurance in Germany

Whether you’re relocating to Germany permanently or just looking for a new international health insurance provider, it’s important to know what’s available both in terms of insurance provision, but also in terms of the medical care and facilities of the country.

With an estimated population of 82,167,000 and life expectancies of men and women at 78 and 83 respectively, Germany’s health care system ranks number 30 in the world, according to the World Health Organisation. Getting your international health insurance will ensure you receive some of this high quality care if and when you need it.

Healthcare facilities

Germany has the world's oldest universal health care system. As compulsory health insurance, it originally applied only to low-income workers and certain government employees, but has slowly extended to cover the most of the population. The system is decentralised with private practice physicians providing ambulatory care, and independent, mostly non-profit hospitals providing the majority of in-patient care.

The hospitals in Germany are equipped with latest technology and equipment and the best doctors with years of experience and skills. The hospital structure in Germany offers a range of different hospitals such as University hospitals, general hospitals, private hospitals and long established rehabilitation hospitals.

Germany’s centres of medical excellence are the University hospitals. For example The University Medical Centre Hamburg-Eppendorf is one of the leading hospitals in Northern Europe and specialises in both treatment therapies and complex surgical procedures.

There is no shortage of good dentists in Germany, not even in rural regions. There may be some language barrier issues but, as with educated Germans in general, many dentists speak English and it shouldn't be hard to find one who can work with you. Dental emergency services are also available throughout the country.

Germany’s emergency services are very reliable, they are prompt and efficient providing among others, an ambulance and helicopter service. Both these vehicles boast some of the best medical equipment on board.

Before you go

There are no special immunisations or medications necessary for travel to Germany.

Next steps

Get a quote for one of our WorldCare plans for your cover in Germany.  You can access treatment anywhere in the world. You can buy online, get covered instantly and manage your plan through your own personal secure online area, so it’s quick and convenient.

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