Healthcare in Germany
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- เผยแพร่เมื่อ 27 ก.ค. 2014
- The last international health care system we covered - Singapore - got a great response from all of you. This week. We head back to Europe. Specifically, we're going to Germany. Their universal health care system is based on the principles of Bismark, which say that the state should provide only for those unable to provide for themselves. It's a private insurance system, and it's the topic of this week's Healthcare Triage.
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I am a German and I live in the USA. Hell I miss the German Helth System! It was awsome.
+m0nchichi Do you move from the USA to Germany or the other way? In Germany it works kind of automaticly. When you start a work, your boss must make the paperwork and pay the money to all incurence. From your money the half and from his the half. Its procent of your income (helth incurence about 15%) There are exeptions, like when you only have a work under 400 Euro.There are diffent incurance and it is your choise with you want to take - In the USA I do not know so much, I am incured over the incurence from my husband, what he got from work. I have heard for obamacare you have to live at least 5 years in the USA. But I am not sure about this.Even with incurance in the USA you have to pay much by your self. Every incurence is different, but mostly they pay only when you have paid xxxtousend by your self. Or they pay only special things. Not at all like in Germany. Btw Germany and USA have a contract about rentirement. You will get your rentirement from Germany in the USA
+m0nchichi Yes I am here with a K1, now with green card. But it is very different here, becouse even with incurance you have to pay for every doctor visit, thats not like this in Germany. When you are sick in Germany helth incurance pays and you don't loose money. After 6 Weeks sick you will get a little less, but still enogh to live. Most jobs here, when you are sick, you don't get paid. Thats can bring someone in the ruin to get sick in the USA. Well my experience with USA medical helth care was not good at all, I was a geriatic nurse in Germany and I am used in better. But maybe I had only bad luck and it is on other places better. Thats my personal expirience.
***** Connecticut
yes like this, and birthday from him and his kids, how we have meet and so on. When we have meat us the first time, what was funny, becouse we have meet the first time 1984 and I made the visum in 2011 lol. I was very exited, but the embasedor was ok. They are not mean. But just that you know, you are not allowed to take your mobile with you in the emarcy.
ca. a half year and the 3 decades, becouse we have datet in the 80is and lost. My husband have found me with Facebook and here I am now lol
I wish I had the cash to have every one of these videos run as an ad on FOX or the like.
start a go fund me I'll be the first to donate!
Oh the 10 € per day in hospital is only up for maximum of 28 days. Means if you have to stay longer in the hospital, you don't have to pay for additional days. I was in hospital for 8 weeks = 56 days. And only had to pay for the first 4 weeks.
actually the first 17 days :)
No... It's 28 p.a.... Trust me I work in the private insurance sector. It's practically my job to know this kind of things.
the first 28 days per year... and if u are unlucky like me and get into the hospital in november till february u have to pay for 56 days ...
Progaz -- you have to pay 280 Euros each year maximal - it is counted from the first of January each year. Obviously you do have to pay never mind if it goes from the end of one year and starts new the next.
If you only had stayed 5 days at the end of year they would have only charged you 50 Euros and then started again on the 1st of the next year but the maximum would have been 280 even if you would have stayed longer or had to go back again later. 280 Euros a year NO MORE! So, what are you complaining about?
NizVania my grandad is in hospital for 5 weeks and he had to pay for 19 days is it possible that this changes from insurance and or "Bundesland"? (sorry for my english still learning )
I live in germany and never worried about health or food for a second.
@Tho Mas okay? All he said was he didn’t have to worry bout health care or food. America might have the best doctors according to that site, but not everyone is guaranteed healthcare. Having good doctors is irrelevant if you’re unable to access them. Germany is doing well as far as doctors according to that link, being number three.
@Tho Mas the link is a list made based by how popular the doctors are .
I don't know if this guy is a troll or serious
Why didn't you have to worry about food?
Ich hab in 2020 und 2021 560€ für Krankenhausaufenthalte bezahlt (pro Tag 10€ Eigenbetrag)
I live in Germany and am insured by SHI. Last year, I injured my neck. I went to a local doctor who treated me and send me to physiotherapy. 8 perscribed appointments at a practice of my choice. There where 3 practices to choos from in my local area alone. I called them and choos the one with the next possible appointment date. (I had to wait 4 days). Also the physiotherapy practice way privat, I ended up with a bill of less than 20 Euros.
+KLProductiongermany sorry, I did not understand, how much does SHI cost?
+Volodymyr Bondar I am a german student and I have to pay around 80 € a month, which is covered with my student loan I get from the state.
On the other side, I am disabled and spend around 2 weeks in one of the top hospitals in Germany, with checkups every 3 weeks for half a year, including changes of plasters, medical tech, drugs, also around 6 month of phsysio therapy and payed not that much for all of that. I also got expensive handmade shoes by a orthopedic technichian (10 € per day in the hospital and around 15€ for every 6 meetings fith the physiotherpaist, I forget how much the shoes cost me, maybe 20 € ?)
+Mysterios1989 Thank you!
Volodymyr Bondar, it's been a year, but still. :) In 2017, when you are employed, you pay 7.3% on your gross salary and your employer pays another 7.3%, up to a salary of 52,200 € per year. You don't pay anything on income exceeding that. There's another 2.55% for long term care, that is split between employee and employer as well. So it's 8.575% out of your paycheck. Income tax is calculated on salary minus insurance (of which there are a few more, unemployment, pension, ...)
wow. in murica that sounds like a miracle.
that 10€ thing is not anymore. nobody have to pay anything.
Nicht Verfuegbar ok you're obviously german but i'll answer in english. do you actually pay when you visit a doc? no.. so you dont need to pay anymore. i didnt mean the fee for the health insurance
Nicht Verfuegbar this conversation is over. you dont need to be offensive. tard.
+Nicht Verfuegbar So taxes pay for their Healthcare, so?
Nicht Verfügbar In diesem Kommentar-Thread findet sich exakt ein Idiot der nichtmal unsere Spucke wert ist: Du :)
Nicht Verfuegbar Klar alter.Junge wirst du irgendwie jeden Tag gemobbt oder so?Man du bist wirkich sehr wütend.So traurig.
As a Canadian medical student studying in Germany right now, you absolutely nailed it! Very accurate video.
what do you think about German health care compared to Canadian healthcare though?
How did you end up in Germany? I'm interested in following a similar path.
Ukrainian Canadian?
@@fridericusrex9812 Its pretty straight forward. All you gotta do is meet simple requirements, find a study program, prove you have the financial resources to live in the country, get your visa and accomadation, and then enroll. Many universities are free so tuition isnt a problem.
One bit of 'wrong' information. the copay was not 10 euros per doctor visit but 10 euro per quartal
Huh, okay, then I remembered that wrong. Didn't go much to the doctor so that's probably why I haven't noticed that.
Since they got rid of the 10€ thing, my doctors have continually handwaved the referral notes, to the point where I don't go out of my way to get them anymore the way I used to.
***** I've been reading that a lot on here.
It's seriously making me want to beat the shit out of everyone in D.C. right now.
ACTUALLY, it was more like you have been visited the pcp, paid the 10 euro per quartal, and ask for a refferal to a specialist. and got a stack of paper with you to go to your gynecologist, dermatologist or internist or whatsoever you had to go during those 3 mounths and did not pay at all. except when visiting the dentist. that was a second, always had to pay for that twice. but you could get that money bag, if you kept the recipte and went to your insurancy and showed you're earning below wage average.
Since only a few people knew and it was a fucking hassle to do so, actually nobody did.
I don't pay anything for the doctor but 10€ per recipie.
I'm American, speak German, and live in Germany so I've never heard these English terms and acronyms before. Good to know!
I am German. And that may very well be the first time someone explained this system to me in full. Interesting terms and acronyms.
Indeed. I'm German as well and wasn't even aware that I'd have to pay 10€per day if I'm hospitalized.
+Quotenwagnerianer
I'm going to rehab in a few days and I (my parents lel) have to pay 10€ a day for it as well... I didn't know the same goes for hospitals, but it makes sense to me :)
Quotenwagnerianer Ich weiß nicht, ob das auch gilt, wenn man in die Notaufnahme kommt. Denn mir ist vor 1 1/2 Jahren die Kniescheibe zuhause rausgeflogen. Ich wurde mit dem Krankenwagen in die Notaufnahme gebracht und es wurde unter Vollnarkose wieder gerichtet. Weil es so spät abends war, habe ich ein Bett bekommen und musste über Nacht bleiben. Aber bezahlen musste ich gar nichts. Auch für die Krücken und die Schiene nichts, die liegen immer noch bei mir rum
Lukas Beck da hattest du ja echt Glück, mir ist die kniescheibe im Januar rausgeflogen, Bänder und Muskelriss alles inklusive. Ich hab sie mir selbst wieder gerichtet und deshalb auf einen Krankenwagen verzichtet. 6 1/2 h in der notaufnahme gewartet. Aber die krücken gab's auch kostenlos. Für den Schiene etc musste ich allerdings zuzahlen
The older I get and the more I need medical care the less the US seems like the right place to be.
Can't imagine how I'll feel in 20 years at this rate.
I'm crying at the idea of 10 euro doctors visits and prescriptions.
My last doctors visit cost 200 dollars, plus I ended up with a prescription that cost 500, none of which was covered by my health insurence...
that was 10€ per quarter, too, not per visit
and i remember the outrage that went up when they introduced that. nowadays my usual doctor doesn't collect the 10 euros anymore, only my dermatolagist does. and prescriptions are free (i had a bronchitis twice last year, my dad has liver problems, i was on antiobiotics due to acne problems for half a year) for the most part, which is nice.
Wow, what third world nation do you live in?
I've used healthcare in Germany and in the Us. It is far superior in Germany.
MrOttopants Yes and no. If you are wealthy and pay for the gold or platinum coverage in the US, you will receive world class care. The issue is that people can't afford the couple of thousands of dollars a month to pay for it. You also still pay for a lot out of pocket, but if you're rich you don't care.
For the vast majority in the U.S., German care would be better though.
It seems so sensible to me to insure health, dental and vision together. It makes no sense to me why we have them separate here in the United States.
Most of Europe has pretty much completely private, out-of-pocket dental and vision healthcare. Very little vision/dental is covered publicly, people usually get extra insurance for good services.
Well, the German system covers the basic dental needs, but not EVERYTHING. Ie, the cheapest option to repair your teeth is covered, but the more expensive ones aren't, nor are replacements. For that, it is possible to have an extra insurance.
How does a channel this informative and useful exist on TH-cam?
You can thank John/Hank Green for this. They've helped make or have helped contributed to the making of many informative channels like this one. Topics include sex ed, US history, world history, literature, science, and psychology.
And dead animals too.
*****
well there can be light in a dark world
Yep the Greens make a lot of great resources. www.hankandjohn.com/
Can we get a country who's healthcare is worse than the USA so I can feel better about my country? I'm feeling rather ashamed at this point.
Sonicfan138 How about South Sudan?
Jethro Q. Walrustitty 😂
consider moving to my country (GER) :D
You have no clue what ur talking about. My friend has her hands infected in Germany and they haven't given her antibiotics her skin is falling....and you think the healthcare here is worse? I rather wait 5 hrs to be seen and treated than to go in and out in 30min ando not have anything done to help.
By the way it's been 2 weeks with her infected sick hands even her daughter got a rash from when she tried bath her.....it's worse maybe because she's black and they don't care...
Of course German doctors can make mistakes - as doctors all over the world do (btw, are you absolutely sure it is a bacterial infection? Antibiotics only cure bacterial infections, it could be a viral infection in which case antibiotics would not help anything).
You cannot conclude Germans get not treated properly only because of one case (plus, it doesn't say anything without medical details). Rassism is much stronger in the US than in Germany (at least black people say so), so it's more likely to be treated wores as a black person in the US than in Germany. And of course - there ARE people who make negative experiences, all over the world, no health system can make sure this won't ever happen, sadly. I hope your friend will get well soon and wish her all the best!
I'm a self-employed German and I still choose the SHI insurance. First because I believe that the young healthy high earning ones should cover for the people with less luck second I have shitty genes and will get cancer at around 70. PHI can get very expensive if you are actually ill.
The rates for PHI actually get more expensive the older You get... If you have to pay 100%.
If I could do that I probably would choose SHI, too. But as a civil servant I have no choice, but be privately insured. Not that that is too bad, though. At least 50% of my health care cost are paid by my employer. And when I have reached retirement age it will be 70%. So I will still be able to afford my health insurance after retirement.
Susanne Klickerklacker
Zufälligerweise eine Polizistin? :D
Nein...
I does not matter if you have shitty genes and entered the PHI-System here in Germany. If a Company want to insure you and your Health is okay.... you pay the fees. If you get cancer it does not matter. You will not pay more. ;-)
We germans appreciate your jealousy and envy.
General Pickelhaube lol dein Name XD
General Pickelhaube jedoch ist unser System alles andere als gut...
General Pickelhaube besuch mal österreich. DAS ist ein gutes medcare system. Ok es ist auch statistisch das beste hc system
Mhhh komisch das viele anderen Statistiken was anderes sagen... z.B. Schweiz als Nummer 1... Wenn du lang genug suchst findest du heutzutage für alles irgendwo eine Antwort die du haben willst...
@@asdasasada722 Alles immernoch besser als in den Staten :D
I was wondering where this week's video was, but I am glad that it is up now.
Health Care in Germany = If you have a problem... go to a hospital: 30 minutes later you will be alright again!
Gamehost! 30 Minuten? Eher 3 Stunden.
Gamehost! 30 minutes?? are you fucking stupid?!
+DerEchteSenf I only had was in hospital for emergency. I got a treatment instantly. But I guess not being able to breath would also get you instant access to doctors in the US / most other countries.
I've been in a dental care "hospital" on Sunday once because I had a tooth which was hurting a lot, quite spontaneously. I arrived there, 10 minutes later the doctor was having a look at my tooth.
+DerEchteSenf It depends very much on the doctor if / how long you have to wait. In my home town, I usually don't have to wait longer than 10 minutes, even if I didn't have an appointment.
I had he longest waiting times at dentists so far. But I understand that. There are often people comming with pain and, of course, they get priority. Even if you have an appointment and they didn't. I was in such a situation (having pain) more than once and I'm glad it is handled that way.
About the insurance: I don't have the private insurance. I have the standard insurance most people have.
+DerEchteSenf You can be lucky a couple of times. I _never_ wait longer than 10 minutes in my home town. Blaming this on luck is ... strange.
Waiting times might be an indicator of shortage. But the relationship is not like "you have to wait for an hour once" => "there is a shortage". I don't think there is a shortage in doctors in Germany. At least not in south Germany.
That we have both PHI and SHI is actually a big problem, since a lot of people cheat their way back into SHI when they get old and thus would have to pay a lot to stay in the PHI.
You can see the problem here, can't you?
We'd be better off with only SHIs, without a doubt.
+Miles Agree, the SHI should be mandatory for everyone, except maybe for soldiers (who are anyway covered free of cost by the Bundeswehr). However, anyone should be able to get a additional PHI .
+Jeneke R. Everyone is able to get additional PHI.
You get seperate plans for additional coverage in several categories. You need to get an additional plan for each category you want extra coverage.
Aka a National Health Service as the SHI?
For everyone outside of Germany a very good overview about our system. Well done!
Greetings from Berlin
I like these "international health care" videos. Very original! And great for comparison, and learning from others. Keep it up!
My 'Murican pride is diminishing.
I am now much more fond of my German heritage.
If your parents and you grew up somewhere else there is no "German heritage" left in you most likely. (Atleaest on the intellectual level.)
Celrador Lol, that's mean.
Be proud of both. They both have amazing advantages....
RD19902010 or don't be proud of sth, you have done nothing for...
german heritage? When did your ancestors immigrated to the US? Germany, as it is now, probably didn't even exist back then.
I am a german nurse. It's great to have a look from the outside.
This is a very well explained and detailed video! thank you! as a german myself i would like to make some additions tho, especially in regard of the differences between SHI and PHI and when you choose what. It is true that every german gets a proper medical treatment regardless whether you are SHI or PHI. But in real life there are many practical differences:
1. as a PHI patience you will be treated like a VIP. If you call a specialised doctor as a SHI patient it is not rare that you have to wait several months for an appointment. most of the time you get an appointment the same or next day as a PHI patient and when the appointment actually arrives, SHI patient often have to wait many hours again. The PHI patient gets treated almost instantly. Some doctors even have separated waiting rooms for SHI and PHI patients.
The reason for that is the doctors payment system. Treating SHI patient has strict catalogue on what the doctor can charge the SHI for every conceivable situation, whereas the doctor is nearly completely free to charge the PHI for their treatment whatever he wants (has to be reasonable somehow of course...). This means PHI patients are WAY more attractive for the doctor in regards of getting paid. i would loosely estimate a factor 1:10 for the doctors earning treating you.
2. better medicine which you don´t have to pay yourself (most simple medicine you get prescribed as a SHI patient you have to pay yourself), "better" treatment (mostly more comfortable, practical and expensive).
3. in case of a stationary hospital visit you have several advantages: you have the right to get a comfy private room in contrast to a 2-6 patient room which is horrible 99% of the time. in addition to that you can claim to be treated and to undergo surgery by the chief physician. You can get a "stationary PHI" in addition to your regular SHI tho. For me as a 21yo student it is about 18€ a month which is totally worth it.
There are many little things to notice too, for example if you wear glasses or a hearing aid as a PHI patient you can choose the more "luxurious" version and get new ones more often. SHI patient get ugly visible hearing aids, PHI top of the line and nearly invisible ones.
The downside to PHI is that it can cost you a fortune if you are old... (500-700€ per person a month is not unusual).
"downgrading" from PHI to SHI is nearly impossible too once you are older. Whether PHI is the better choice than SHI is a very complex decision and depends heavily on your personal financial and family situation and should be well considered.
i left out quite a few details but i think this should do it for the most part. hope this was somewhat interesting^^
To expand a bit on your post:
1. Even for PHI patients, the things that can be charged are listed with some base rate and a multiplication factor. The rates are much higher though than for SHI and also there is no quota or limit on PHI patients unlike for SHI where doctors can get punished for prescribing too much or seeing too many patients. (Which is why it has gotten real hard to even get an appointment for some specialists or even a children's doc and even worse when you are looking for a first time appointment)
2. For SHI, you only have to pay the stuff that you could just buy in an apothecary without a doctors prescription (usually, there are some exceptions) or 10% of a prescription only medicine (with a minimum of 5 € and a max of 10€ per medicine) but many are free if there is a rebate contract between your sickness fund and a pharma company.
3. To get into PHI, you will have to provide your medical history and they can either reject you or raise your rates or exclude certain conditions, whereas SHI has to cover you. There is a special PHI plan that is for those that cannot get SHI that works like SHI, with all the drawbacks, but its more expensive and really not great. Something minor without permanent damage will usually be fine, but depression for example in the last 10 years or just in general being rejected in the past will lead to a general rejection. There is an exception for Impats.
A good example of conflict between theory and practice. I live in Germany, and it's almost impossible to get an appointment in less than six months from a specialist.
Thank you! Balanced and informed!
Thanks for this video. I lived in Germany when I was younger and now that I'm over paying for college in the US I had to write a paper comparing Germany and the US.
Ok, I just clicked on a video that seemed interesting and it was, well done. But now I see that it's a John Green thing. John, you don't have to worry about forgetting to be awesome, you just are.
this show is so amazing! thank you!!
I'm quite tired so I didn't understand everything (but I should've because it's my country's healthcare)
anyways all I can say is that the system really lifts a weight off people's shoulders. My mom is currently undergoing a chemotherapy and we don't have to pay for it thanks to our SHI. It may have its flaws but it does help to save lifes. Even when you normally couldn't afford it.
Good luck to your mom.
Thank you :)
These videos are very informative and well-made. I would love to see a video on the Japanese system. I lived there for ten years, and would enjoy learning your perspective on it.
Also if you call to get an appointment, there are huge differneces. I had cases in which I called a specialized physician (gynacologist, dermatologist,...) and they told me that they couldn't get me an appointment within the next six months, no matter how urgent my problem was. Half an hour later I called again and mentioned, that I'm PHI, and I got an appointment two weeks later.
Love this channel.
that was SO INTERESTING - I'm German and there was a lot I didn't know and also it is so interesting to listen to the German health care system from an american point of view. Thank you so much - I will need to rewatch this a few times and think about each point and how I fell about it and what I know about it
Greetings
One point not mentioned is that you can stay in SHI and get a private extra insurance which ads some of the benefits of PHI for little extra money.
My sister got one for hospital care when she decided to get a child. Later she got a private room with extra bed for husband + treatment from the highest ranked doctor. All while still on SHI.
Such extra insurances are all other place... Like for dental replacements (which still cost a bit extra).
So it's not quite either SHI or PHI. You can also chose SHI and add extras from PHI your self.
Also, SHIs are setup to compete for customers. Because they can't compete on price, they try to cover more or offer other benefits. This is, I think, one of the advantages of the German system. Compared to countries like Australia, there is competition which increases efficiency.
SHI = AOK?
Perfectly explained! I worked for 11 years as a physical therapist in Germany and you've covered all the important issues, bravo. Nevertheless, the HUGE problem in the german health care system is lack of time. An orthopaedic surgeon will see you for approx. 7 minutes if he wants to cover his expenses with you. A physical therapist has 15-20 minutes per session, and a patient has a limit of 18 sessions covered per trimester. That's awful, because the short time makes it impossible to understand the case appropriately. I moved back to Brazil exactly because of that some 8 years ago, and it improved my professional life (and quality) 100% since I'm in a private practice and can spend 60min on a patient, even more for the first consultation. Therefore, Germany could spend far less with its health system if it would invest in a more humanized medicine - and time.
I would love to see a video like this about Finland, since I live in Finland I have a pretty good idea of how the system works, but Im sure I could still learn alot from such a video!
The German system is great. Not perfect, for sure, but so much better in comparison to the US for example. I was diagnosed with a chronical illness last year. I wouldn't be able to afford the treatment if I lived in the US. A scary thought.
It's far from perfect. My fresh 18 year old daughter suffers from several mental illneses and was in mental hospital several times now and she had to pay 560€ for both years she was in (first year for 3 months hospitalized and second year for 5 months) and she has no job so we had to give her the money for ... it's absolutely pathetic
@@cuckoo4328 As I said, it isn't perfect by any means. And I feel sorry for your daughter. That must be awful for a parent. :(
You should do an episode on the Australian or new Zealand health system.
I've found this series very interesting to see how different countries look after the healthcare of it's citizens. I would really like to see you review my home country Australia's healthcare system, keep up the great work :)
This awesome video should get updated: "Healthcare Economics" are changing our hospital landscape and "house" doctors (your first go-to doc for any kind of ailment that will prescribe you the specialist to go to next, if necessary) in rural areas are dwindling in umbers as the work does not seem to pay as well as other specializations or compared to a house doc in an urban center.
You should talk about the Scandinavian health care systems :)
This never happened apparently
This is the sytem we should have! Its the Perfect Between the American System and the Sytems of the UK Canada or Sweden!!!
4:24 - Doctors will still get paid if they exceed their patient limit, just at a lesser rate. These percentages are also officially regulated.
All of these I've learned from my private healthcare consultant, but the terms in English are interesting! Beautifully explained in a short video - had I known this before moving to Germany, everything would've been much muuuuch easier. :-)
Would like to see a "Healthcare in Finland"-episode!
please do more videos like these, and even one on the irish healthcare system?
Are you from swiss ?
Please do a video on the Healthcare in The Netherlands next, or sometime soon :D
Nice to hear your typically non-objective standpoints on these different healthcare systems; really appreciate the videos.
Kommst Du aus Deutschland ?
I'm always so excited for the next video. Herd immunity! I want to watch it right now!
I always have to pay the 5-10€ for my prescribe drugs (I thought that you always have to and it was supposed to cover some kind of administration costs)
Can you do one on South Korea next? How are they managing such a low budget? And does that impact the quality?
Lol 😃 are you from South Korea or you live there ?
Please do a video on the healthcare in the Netherlands. It's a quite interesting system of private health insurance companies, government oversight and paying out of pocket.
Another fascinating glimpse into a country's health care system. Could you do the Netherlands next?
I'd love to see you cover the HIV/circumcision/AIDS topic SciShow just did.
Do Norway's system.
Well, you could do the spanish one, but after the spending cuts we have now extreme waiting lists for surgery and specialists, but you can also go on private healthcare.
There is a nice benefit for artistic jobs. Since artists are usually self employed, a fund pays their "employer" half. Self employed people - as mentioned in the video - have to pay both halves. their "salary" and the employer-half. Artists, who are also self employed, only have to pay their "salary" half, which is determined by estimated earnings of the year. I have to hand in an estimate each year of how much money I'll make and based on this i have to pay a very comfortable sum each moth that covers healthcare and long-term care.
Included are choreographers, writers, publishers, illustrators, graphic artists... Agencies who don't employ but hire project based, do have to pay a percentage of their earnings into this fund and the rest is paid by the government. I am eternally grateful for this. I love our healthcare system already. I was sick for a long time and needed extensive therapy. That has made me a productive part of our society and now i can give back : ) It would have broken my back otherwise.
Thank you for the good summary. I am so grateful to life here.
Can you do Belgium and/or the Netherlands next?
Yeah, i want to know how the Netherlands compares. I'm Dutch myself, and a lot is changing in the past few years (for the worst sadly, mostly due to the crises) Higher "personal risk". Lot of stuff dropped or limited to a few times per year insurance (like physical therapy) In the 90's it was even better. Everything was "free" by basic healthcare taxes or something like that..
I'm interested in Belgium too. After graduation I moved to Germany from Belgium. I like the German system but never really learned too much about belgian healthcare.
The big difference I find is that my healthcare is listed as a separate tax. I like knowing where my money goes to (at least in theory). Also I like that Germany stops at a certain income treshold. There's a point where you're social enough while in Belgium you keep paying as your income grows.
*+*
Brilliant. Certainly not my preferred system (I'm more in the "France" style camp, as with many things), but absolutely interesting.
And it's hard to argue with results. Dftba.
Great summary; would love if you did Australia next - I'd be curious on how is stacks up against the others.
Note that with 86% SHI and 11 % PHI, only 97% of Germans are covered, despite it being mandatory. That's because when you are self-employed or a college/university student you are required to get insurance, but since you are not covered automatically by SHI, you can end up in a vague state outside of the system, something that happens especially to students and young people who become self-employed.
I would like to hear about the Italian and Greek healthcare systems. Their gov. seems closer to the USA gov. for level of corruption.
The Irish healthcare system? Thanks :)
He gets this bang on! Really brilliant look at the German system.
Given the complexity of the subject, I am really impressed with the accuracy of this video on the German health care system. I noticed two very small mistakes: (a) It used to be 10€ per quarter of the year, not per visit. (b) The SHI companies aren't private companies but a German specialty: they are corporations of public law which gives them some public power and subjects them to democratic control in special elections that take place every six years.
What's Canada's life expectancy? What you say doesn't match the infographic.
The graphic said 84.5 while he said 82.5. Idk I hope they put an annotation or something.
Do a Scandinavian country! :)
Love to see the current numbers on both Sweden and Denmark, especially Sweden since it used to be good, but now it feels like it is not performing well any more.
Johan Simonsson
Yeah, I feel the last decade of privatisations and the lack of nurses (because we pay them too little) has really harmed us.
Another SHI benefit: if you pay more than 50€ ($58.78) in co-pays per year, you can get co-pay relief, which means that at the beginning of the year, you pay the 50€ upfront and then you just get whatever you need (prescriptions, hospitalizations (physical and mental) and so worth) and don’t need to pay. You can also get that retrospectively for up to 3 years, if you for example didn’t know about it, they then just pay everything that you paid over 50€ back to you
My dentist is east-european, my main-physician too. The dental specialist I went to see was german but his staff was mostly czech. I need to do a Esophagogastroduodenoscopy (what a word for English, my my) and the first docs I was referred to had a 3 month waiting time. The next I tried was 2 weeks. I don't often get "next day" appointments, however, usually it's less than a working week.
I did have my main physician tell me it would be in their interest for me to check with an optician and my dentist for my chronic head pain because they have more money for that kind of thing (assuming it was a dental problem).
I'm not happy with it but it's a hell a lot cheaper than what I had in Switzerland.
We´ve got the best healthcare of the world!
+Marton Mechtl I don't agree ;)
+Jeneke R. France and Switzerland had the best healthcare
+MazariegoS Still has
Last week i had a alergicreaction. I went to the hospital stayed for 4 hours. Cost = nothing. Thx germany
Please do an episode on vitamins and nutritional supplements. Thank you.
I'm curious about the healthcare system of Cuba, it would be great if you reviewed that one next, I love your videos.
Wow I thought germany was better than this.
I guess nothing really comes close to the systems in scandinavia.
It has to be said though, that the kind of care you get differs greatly between SHI and PHI. Though officially there shouldn't be any differences, in reality it's common practice for doctors to prefer PHI patients. They're treated sooner and usually get more attention, because the doctors can charge for more things and know they get paid for it.
Yeah, that is true, but I think the point was that the difference is more in convenience than in anything affecting life and death. So it's still outrageous from a social point of view, but it's more of a luxury problem by international standards - even compared to the U.S., where people die when they cannot afford certain care. That just doesn't happen with the SHI/PHI-system.
Lamegh oh totally! don't get me wrong, though I like to become somewhat ragey about it, I know we're suffering on a very high level in that regard. I was uninsured for half a year (which is a laughing matter in the US) and didn't go to the doctor's when I needed to, cause I know I couldn't afford it, and had long term issues because of that, which are now (about 3 years later) starting to get better. I really really love being insured, even if it's just the standard SHI thing with no extra anythings! It makes you sleep easier.
also, we have to consider that SHI's tend to blame certain sickneses and problems on the patient and hold them responsable while PHI's dont. This is especialy true in Dental care, work injuries and health problems trough ones working conditions.
But somtimes you get "overtreated". If the doctors know you have PHI, they´ll often do a more expensive treatment, so sometimes this can be bad for you. Somtimes less is more.
Simon Landenberger
Well on the SHI you have to fight for every treatment and test, since doctors turn into Scrouge McDuck and you get sent to specialist after specialist, just so somebody else has to do the test and it doesn't come out of their budget.
Also not that great.
Good information. Do note that for-profit health insurance does exist in Germany - most PHI providers are for-profit. That's not much of an issue, since they cannot just drop a patient for developing a serious, hence expensive, condition, and they have to compete with SHI providers. After all, who'd ever go PHI, if SHI was better?
Therefore some physicians only treat private patients, or they have a special waiting room for private patients, where you get something to drink etc., so that the publicly insured patients don't see that we(I'm PHI) skip line and never have to wait as long as they do.
So government can play a positive responsible role?
This is the german model of government. It sometimes overdo it's work by regulating to much, but normally the germans are happy about the pesponsible role since it give a more fair situation for the most of the people.
Another examples are that the most of germans send their kids to public school since (the most of them) are quite good. And that a university-study only costs around 250 € a semster (and this includes the free use of public transport for the complete state in which you study). There are more labor law that provides exploration of the workforce (not totally, but the workforce is in a way better postion in germany than in the most of the rest of the world).
@@Mysterios1989 so you're saying the entire cost of university is less than 1 year of University in the US...
Lest do some Eastern European countries
Haven LouGarou I think, if you're going to do a video on the Ukrainian healthcare system, right now would be a misrepresentative time to do it. I think a single word is going to weigh heavily on many eastern european healthcare schemes, though: Corruption.
Yes, I second that. I too want to see an episode, or several, about one or several Eastern European countries. But not Ukraine. An EU member would be more interesting. Poland, Romania, Estonia, Croatia etc.
Estonia would be a good one
Yeah well, basically it's all out-of-pocket expenses in Ukraine and Russia. The state health care system provides almost nothing.
I know a story about a guy who got himself a fork in his eye during a fight with his wife, he went to the hospital and they demanded the equivalent of 30€ to save his vision. He didn't have them so now he's blind in one eye.
RoScFan Estonia isn't Eastern-European, what the hell?
I smiled over the "Surprisingly for Germans: It's somewhat inefficient" remark at 6:37. In a good way, though. :)
Mean while in the US, simple ER visit means ~$15,000 bill.
Do healthcare in Cuba.
Overall I'm still convinced that the British system is the best (while fully admitting my patriotic bias). Putting everything else aside, we seem to have the least faff, for patients anyway, while still keeping our costs low and our results pretty high.
I'd rather have the higher results of France instead of the low costs of Britain, but I'm just a US citizen so what do I know.
:*(
Afair you guys have quite a heavy problem with not having enough doctors. I know a lot of German doctors are coming for *WEEKENDS* to the UK just to earn 3000 EUR and go back home.
It is pretty good. You Brits keep more or less at parity with other rich countries, and you do it for by far the cheapest expense.
The brittish system is pretty similar to Scandinavian, no? In that pretty much everything is government run.
xenoblad
Well, the UK still gets great results, and the insanely low cost would be good for Americans.
Yup and we are proud of it.
Very good system!!
seems like the german system would be popular with republicans in certain regards
Well Germany is quite conservative
Jorvikson I'm moving to Germany now, see ya! lol
Bullet Craft Which part?
Nonononono, the German health care system is heavily regulated. Regulation is EVIL to Republicans.
The funds are non profit, the system is heavily regulated. If the US were to adopt this system, I'd be ecstatic.
I live in Germany and you all are just jealous!
mbn 83 Ich sag nur die Wahrheit, du Dummkopf, die sind alle neidisch auf uns!
+Frank Wohnrade Deine Peinlichkeit kennt wirklich keine Grenzen?
+MrPHAELAN Fremdschämen hoch 10..
I think its very interesting to talk about the brazilian healthcare, it has a lot of flaws but mostly its free for everyone, even foreigners that are travelling to brazil
I can feel an episode about The Netherlands and South-Korea coming up..
I was told the old Dutch system was a lot cheaper, easier, faster and (maybe) slightly less equal than the current Dutch system, it was also not as privatized as now. Will this be something that will be looked into somewhat?
Is there also going to be an episode about the 'ideal' (by your standards) system?
you absolutely nailed i
Hi HealthcareTriage! I'm a Peruvian thinking about moving to Austria to study at Uni, but I'm having a lot of issues trying to understand the healthcare system they have, because it's so different from mine. Could you make an episode about Austrian Healthcare? And I'd also love to know your point of view on different Latinamerican healthcare systems
The number of MRI and CT is below average?
That surprises me but maybe it has to to with the fact that i live in a big city.
Last time I needed it I got a CT the same day and all people I know who had accidents with unknown outcomes (suspected torn ligament or similar) had MRT within 10 days.
You only have to pay 10€/day for a hospital stay for up to 28 days per year. So you can spend a maximum of 280€/year for being in a hospital, no matter how often you stay there overnight or how many more than 28 days you stay.
One has to add though that dental insurance has been reduced to absoulute basics in the past 25 years. The moment you need artificial dentition you are screwed if you don't have some extra insurance.
wow Exactly what I was looking for thanks a lot
Although it has been mentioned in comments before, I want to stress again, that the difference which is most noticable in everyday life as a German patient, is not mentioned in the video at all: As a German PHI-patient I have much better and faster access to medical treatment, because the doctors are paid up to 7 times as much if they treat me in comparisson to treating a SHI-patient. Normally the rate is about 2-3, but still. If I was a doctor, I would also prefer PHIs as patients.
If you do another one of these, I'd recommend Japan's system. They've got really high utilization rates IIRC, but otherwise manage to keep it cheap.
I'm happy having and making benefits of this healthcare
There's another benefit to the German healthcare.
I'm not sure if it's exclusive to my insurer, but if I don't get sick or don't need any costs covered by them, they give me about 80€ or more back. Just like that. Brilliant idea! :D
Another little info: if you absolutely HAVE to get ONE medicinal drug instead of the cheapest because you can't take the cheapest drugs additional ingredients you can take the higher cost drugs and the SHI will cover the cost as well.
In austria everything is free as long you pay the insurance company which gets a percentage of your income.