The health insurance
As an employee you are insured in any case, either as a member of the statutory health insurance or a private health insurance. Are you sick, the insurance company pays the costs for medical treatment. The basic insurance cover of statutory health insurance hereby extends to the following services:
outpatient medical treatments, For example, in doctors' offices, dental care, Drugs and medicinal- or. aid, hospitalizations and treatments, for example in hospitals, medically required rehabilitation measures services for pregnant women and in childbirth. If your spouse is not working, You can also insure him in public health insurance. Additional costs will not arise. The same goes for your children. by the way: By taking out a health insurance, you are automatically also care insurance. Long term care insurance a jump, if you, for yourself. B. can a serious illness is no longer self-sufficient - that help from a nurse or a caregiver need.
What is the health card?
Once you are a member of a statutory health insurance, get your electronic health card, a kind of membership card of health insurance. a photograph is on this card from you. Moreover Name, Date of birth, Address, Insurance number and insurance status stored. The card set at every visit before, so that the doctor or the doctor can bill the treatment later with the health insurance. The health card is valid in all 27 EU countries plus Iceland, Liechtenstein, Norway and Switzerland. This means: If you get sick in these countries during a vacation or a business trip, get the health card access to medical care on site. It is recommended, be informed in good time before a trip abroad with your health insurance on the procedure in an emergency.
The doctor's visit
In Germany, you have the "free choice", this means: You can decide, to which doctor or which doctor you want to go. Normally, your first stop is the family doctor or general practitioner. If necessary, these refer you to a specialist or a specialist or to a hospital. Where can you find a doctor or a doctor you trust, learn for example here: on the website where you live in the white list of the Bertelsmann Foundation at the Independent Patient Counseling on the website of the physicians' bows
(KV) Your State in the phone book under "Physicians" or on the website of the phone Directories on the website of the British embassy there is a survey of physicians in various regions of Germany.
health
If you or your family but even need a doctor, You will notice-, that you get help quickly and cheaply. Finally, Germany has a dense network of hospitals, Doctors' offices and pharmacies as well as good health.
Did you find a doctor or a doctor, call the best in the doctor's office and make an appointment. This has the advantage, you do not have to wait long. but in urgent cases, you can come directly. And when there are no calling time is? You need medical help, but in practice, your doctor or your doctor is currently no talk time? Then you can use the Germany-wide telephone number 116 117 choose for doctor services. She is free from fixed and mobile networks and is available to all cash- and private patients available. Is there with you an emergency, that is, a life-threatening situation, You should, however, in any case, the emergency number 112 choose.
Costs for doctor visits
As a cash patient or Kassenpatient almost no costs do you. Because the doctor or the doctor will not charge the costs you're charged, but settle directly with your health insurance.
drugs
Medications only available at pharmacies. You will realize pharmacies holding a sign with a big red A. There are two ways, to obtain drugs. The first way is through your doctor or your doctor, the or issuing you a prescription. So you go to the pharmacy, where do you get your medicine. For this "prescription drugs" you have to pay only a co-payment, The remaining costs are covered by your health insurance. The second path leads directly to the pharmacist. With him, you get all the drugs free available (So without a prescription). These must be completely self-pay.
If you go to the hospital
In Germany there are public hospitals, private clinics and charitable hospitals, operated by church agencies. Many university cities also have teaching hospitals. Mostly your family doctor or your GP refers you to hospital. Only in an emergency go directly there. Your health insurance will usually the cost of hospitalization. Since this can be very high, clarify but rather from previously, will be refunded if all treatment costs.
What to do in an emergency?
In an emergency, you have two options:
1. In all serious cases, especially in Danger, select the phone number in doubt 112. To reach the emergency- and Rescue Service. The phone number is valid everywhere in Germany.
after no more than 15 Minutes an ambulance with you. There are no telephone charges in the emergency number.
2. Is it not quite as bad, You can also go directly to a hospital emergency room. The emergency rooms are open round the clock. On the weekend, on holidays or at night you can find help in medical emergency- and Emergency Service at the hospital, a doctor or. a doctor or a pharmacy near you. Many newspapers inform daily, You can see in these cases which physicians or doctors and pharmacies.
Vaccinations and health
It is best, of course,, They are not even sick. Vaccinations and health checks prevent. In Germany there is no compulsory vaccination, some vaccinations are recommended but. These are then also paid by health insurance. What vaccinations are the, learn, for example, at the Federal Center for Health Education or call your doctor or your doctor. Against which diseases you are vaccinated, is documented in the vaccination certificate. There are also numerous, partly legally recommended, checkups. For infants and children there is the U1-U9 examinations. Developmental disorders and diseases can thus be detected and treated as early as possible. Even for adults, there are many screening- and screening tests such as skin cancer screening or the tooth screening. Often, the insurance company is a bonus, if you can do this on a regular basis.
More information please contact, responsible for you health insurance