Tbilisi State Medical University - USMD program - BAD

1. Healthcare System of
Germany

2. •Federal republic of Germany
•Capital city – Berlin
•82.3 million inhabitants
•€ 3688.83- GDP per capita
•Birth expectancy – 78.6 for men
83.5 for women

4. “
”
Established in the late 19_th century;
Historically the first universal healthcare system;
among the systems providing a very high quality of health
care;
one of the most expensive and keeps undergoing reforms
to reduce costs and maintain or improve quality;

5. Principles of Bismarck
• Solidarity
• State should provide only for those
who are not able to provide for
themselves
• subsidiarity
At the beginning it was only 10% of population …

6. Health insurance
Health insurance is mandatory for all citizens and permanent
residents of Germany (especially after 2009).
provided by two systems
1)statutory health insurance (SHI)
– 86%
2)private health insurance (PHI)
– 11%

7. Coverage includes:
Preventive services
Hospitalizations
Outpatient visits
Prescription drugs
Mental health
Dental care
Rehabilitation
Hospice
Physical therapy
Sick leave
Long term care is also insured by other insurance, but that is mandatory too

8. SHI PHI
Any employed citizen or pensioner
who make less than € 52,500 a
year, and their dependents
Some government agencies pay
premiums of unemployed people
Anyone who makes more than
€ 52,500, or who is self-employed
(they can get SHI as well)
How much you pay depends on
how much you earn
How much you pay depends on
how much of a risk you are
(the younger and fitter you are the
lower your premium is)
Government association Non-government associations and
companies regulated by
government
Pay 7,5 % of income

9. Copays for SHI
€ 5 – 10 for prescriptions but loads of drugs are free
€ 10 / day for hospitalization
€ 5 – 10 for medical aids
Deductibles can vary by plan

10. Benefits of PHI
• For higher paid professionals, private health insurance
can be less expensive than the state scheme as
contributions to the state scheme are based on your
gross income
• Access to private practice doctors
• May offer more comprehensive cover for procedures
• Access to semi-private and private rooms in hospitals

11. “
”
public hospitals which are run by the local and
regional authorities;
voluntary, non-profit making hospitals run by
churches or organizations run by the German
Red Cross;
private hospitals

12. Under the German healthcare system, you are free to choose your
own doctor. Some doctors only treat private patients, so if you
have state insurance make sure to check beforehand otherwise you
will have to pay for treatment.
If you have state insurance, the practice will send the bill direct to your
health insurer; if you have private insurance, you will typically pay upfront
and be reimbursed by your insurance company later.

13. Used Sources
https://www.youtube.com/watch?v=CY2jFh55Ztw
https://transferwise.com/us/blog/healthcare-system-in-germany
https://www.allianzworldwidecare.com/en/support/health-and-wellness/national-healthcare-
systems/healthcare-in-germany/index/
https://www.healthcareglobal.com/video/depth-look-healthcare-system-germany
https://international.commonwealthfund.org/countries/germany/
https://www.goinginternational.eu/newsletter/2013/nl_03/SpecialDE_EN_Understanding_the_Ge
rman.pdf

14. Thank you!