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.
Hey, Marco, sorry for your cousin - that sounds horrible! But one after the other: If you are insured at a private health insurance in Germany, the private health insurance cannot throw you out of the contract if you become ill or incur high costs due to serious illnesses. Not only is it forbidden by law, it also would be morally completely wrong. Also: that would kinda defeat the purpose of having a health insurance in the first place, right? If you chose to include daily sickness allowance insurance as part of your private health insurance (and we strongly recommend this) your salary would be covered by your insurance once the employer has continued payment for the first 6 weeks. Of course, it is important that the amount is calculated correctly (it should usually cover up to 75% of your gross salary). However, it is not a question of negotiation, but of need. If this is the case, the daily sickness benefit covers the loss of earnings in the event of long illness. The scenario you described is simply not possible under German law (which we, and every other German health insurance strictly adhere to). If you choose to get insured with ottonova, you can expect 100% transparent, honest and factually correct advice - this is ingrained deeply into our DNA as a company. If you want to talk a bit more, feel free to arrange an appointment with one of our experts. You can reach us via chat or phone directly at: www.ottonova.de Thanks for your Input! All the best, Matthias & David from ottonova
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.
Hello Dan, what a pity that you have such a bad impression of private health insurance in Germany. Nevertheless, private health insurance is not "very expensive" per se. For you, public health insurance obviously seems to be the best option. In most cases, however, it is worth comparing private and public health insurance. There is often a great savings potential with private health insurance, as the monthly premiums are not dependent on your income and you get better coverage.
I'm in the process of switching to private health insurance right now. According to the offer received, I will save between 5000€ and 6000€ per year! Just do a comparison
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.
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 youtube..... do your own research
Doing your own research is always recommended! But could you elaborate on what you deem "simply wrong"? Maybe we can clear some things up or even learn a thing or two for future videos. All the best, David from ottonova
@@ottonova Eure "wir wissen von nichts und sind unschuldig"-Masche ist echt peinlich im Angesicht solch eines schlechten und moralisch fragwürdigem "Aufklärungsvideos". :D
Horst Hoerster ... I'm German, what kind of bullshit you are talking about. I am currently insured in the GKV. I waited 2 months for an appointment with the dermatologist and for the Cardiologists 2 1/2 months. What a dreamer you are. With PKV you get an appointment within a few days.
@@ottonova I have seen your site but I didn't got my answer. Actually I am planning for doing my masters in Germany means i will be a international student but I have a chronic disease so I need to be in contact with doctor and have to take medication regularly. So whether my insurance will cover this preexisting condition and if yes then what will be covered?
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.
Hi Yaqoub, the example refers to the differences between the two systems. While in the public system health care costs are shared among all insured people (regardless of how many services they have actually used), in the private health insurance system the costs are split more evenly. With private health insurance your monthly premiums are set according to your individual health status and the coverage you chose which means that you will usually only pay for the services you use. Therefore, in the private system you will most likely end up paying less compared to public health insurance. Of course that doesn’t always apply, sometime the public system might also be the better choice for you. If you would like to know if you can save up by changing to private health insurance you can check out our “Sparrechner” where you can calculate you individual savings potential: www.ottonova.de/spar-rechner
So in other words.....the socialized medicine aspect only works, if the funds are there.....and if not, then what? No treatments? That's not a good system!
Please read the other comments. Most of the thinks she said aren't absolutely true. The only real benefit of private is that you get the appointment quickly and they also pay non medical healers.
If a statutory health insurance company runs out of money, the state steps in financially. The corresponding health insurance company could then be dissolved. It is true that the state determines the statutory benefits. These blankets cover every conceivable area of conventional medicine. However, what is not taken over are special requests such as single rooms, treatment directly from the chief doctor, alternative practitioner and most "alternative" medical areas. In the case of cancer, the same treatment is carried out in both systems, as is the case with many other diseases, since private health insurance companies also tend not to pay for useless treatments.
Hi Vipul, that’s actually not what we are trying to say with this video. We are only explaining the advantages the private health insurance system can have for you. It’s still your choice whether you want to remain in the public system or opt for private health insurance.
Nothing misleading about it i guess you have no real clue. That is why even the German health minister Jens Spahn is insured with PKV private health insurance and not with GKV health insurance, like almost all health ministers before.
How much do you want to pay for obese people who eat terrible food, drink too much, smoke cigarettes, etc.? How much are willing to pay for people with massively chronic health problems who will go through a fortune in medical expenses? How many premie babies, at $1,000,000 each, are you willing to fund?
@@Argentarius11 you might as well unplug the internet and float away in the ocean... You seem to hate living in a society way too much... What you feel is that you alone will have to pay for those premie babies... Pathetic
Some people are successful with their careers, others mop floors for a living. That is not classist. There is nothing "classist" being the bottom 10% or the top 10% in intelligence. If you steal from the success of the top 10% in intelligence to raise up the bottom 10%, you can not make the two groups equal. Economic Classes can change greatly in time. They fluid, not fixed. In the USA, many of the wealthy started out low middle class and rose up in their careers to be wealthy. There is nothing classist about that.
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. ^^
Hi, we are very sorry to hear that you obviously do not agree with our content. The information we publish in our videos is always well researched and approved by our insurance experts. Therefore we are very surprised that you consider everything a hundred percent wrong.
TheHolden20 I am from Austria and the system there was better than in Germany. In Austria, there is health insurance for everyone. This public health insurance covers more services than in Germany. Even with a private doctor is paid so much. The health insurance pays as much as it would have paid a public doctor. And if you want even more, you can get private supplementary insurance from 34 €. But that is more of a luxury than a necessity. There are packages to be treated worldwide in the hospital or doctor of choice. Transport or hotel is organized and taken over. Or there are cancer packages to specialize only in cancer detection. The DNA is searched for cancer markers and so on. Nevertheless, no private supplementary insured patient may get faster an appointment with the doctor or better medical treatment. This is forbidden by law. Only the accommodation and catering is allowed to be better. In Germany there is a two-part health system. 10 percent are privately insured. Only civil servants, self-employed and people over about 5000 € are allowed to have private insurance. The patients who are privately insured get faster an appointment with the doctor, get better medicine and the doctor takes more time and makes more examinations. And some doctors only take privately insured patients. The remaining 90 percent have statutory health insurance. Here you have to wait a long time, the doctor is not so friendly because he gets little money from the statutory health insurance. You only get the cheapest drugs, if at all. Because the doctor has to pay money if he exceeds the budget. No doctor wants that. Otherwise, the doctors in Austria are better trained and have 3 years of practice in different areas in the hospital. In Germany this practice was shortened to a few months. It is best not to get a doctor who has just started. And in Austria the doctors prescribe much more and stronger things. In Germany, there is a lot of emphasis on soft medicine, natural medicine and homeopathy. In the case of serious illnesses, this is too weak and one is tormented for a long time with an illness because it does not go away. I hate that. Otherwise, in Austria as well as in Germany there is a free choice of doctors.You can go to any family doctor, specialist or hospital. You do not need a referral
@@maxl4287 1. Health insurance in Germany covers everyone too. DNA sequencing is covered in Germany too.... 2. They do not get better medicine. That's just false. The doctors in Austria aren't better and they get paid less than German doctors. Hence why many Austrian doctors move to Germany. You have very little idea about the German system. Homeopathy has no place in clinical medicine.
![Private or Public Health Insurance in Germany [Which One To Choose?]](http://i.ytimg.com/vi/M4WyXxSoe1I/mqdefault.jpg)
![Private or Public Health Insurance in Germany [Which One To Choose?]](/img/tr.png)
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.
Hey, Marco,
sorry for your cousin - that sounds horrible! But one after the other: If you are insured at a private health insurance in Germany, the private health insurance cannot throw you out of the contract if you become ill or incur high costs due to serious illnesses. Not only is it forbidden by law, it also would be morally completely wrong. Also: that would kinda defeat the purpose of having a health insurance in the first place, right?
If you chose to include daily sickness allowance insurance as part of your private health insurance (and we strongly recommend this) your salary would be covered by your insurance once the employer has continued payment for the first 6 weeks. Of course, it is important that the amount is calculated correctly (it should usually cover up to 75% of your gross salary). However, it is not a question of negotiation, but of need. If this is the case, the daily sickness benefit covers the loss of earnings in the event of long illness.
The scenario you described is simply not possible under German law (which we, and every other German health insurance strictly adhere to). If you choose to get insured with ottonova, you can expect 100% transparent, honest and factually correct advice - this is ingrained deeply into our DNA as a company. If you want to talk a bit more, feel free to arrange an appointment with one of our experts. You can reach us via chat or phone directly at: www.ottonova.de
Thanks for your Input!
All the best, Matthias & David from ottonova
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.
Hello Dan, what a pity that you have such a bad impression of private health insurance in Germany. Nevertheless, private health insurance is not "very expensive" per se. For you, public health insurance obviously seems to be the best option. In most cases, however, it is worth comparing private and public health insurance. There is often a great savings potential with private health insurance, as the monthly premiums are not dependent on your income and you get better coverage.
I'm in the process of switching to private health insurance right now. According to the offer received, I will save between 5000€ and 6000€ per year! Just do a comparison
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.
"Private Krankenversicherung" wants you to get private insurance. Hm, why would that be?
you should mark that this is an advertisement for a privat insurance.
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 youtube..... do your own research
Doing your own research is always recommended! But could you elaborate on what you deem "simply wrong"? Maybe we can clear some things up or even learn a thing or two for future videos.
All the best, David from ottonova
@@ottonova Eure "wir wissen von nichts und sind unschuldig"-Masche ist echt peinlich im Angesicht solch eines schlechten und moralisch fragwürdigem "Aufklärungsvideos". :D
Horst Hoerster ... I'm German, what kind of bullshit you are talking about. I am currently insured in the GKV. I waited 2 months for an appointment with the dermatologist and for the Cardiologists 2 1/2 months.
What a dreamer you are.
With PKV you get an appointment within a few days.
Do insurance cover the cost for medicines?
Hi, which medications are covered actually depends on your tariff. You can get more information on our website:
@@ottonova I have seen your site but I didn't got my answer. Actually I am planning for doing my masters in Germany means i will be a international student but I have a chronic disease so I need to be in contact with doctor and have to take medication regularly. So whether my insurance will cover this preexisting condition and if yes then what will be covered?
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.
Hi Yaqoub,
the example refers to the differences between the two systems. While in the public system health care costs are shared among all insured people (regardless of how many services they have actually used), in the private health insurance system the costs are split more evenly. With private health insurance your monthly premiums are set according to your individual health status and the coverage you chose which means that you will usually only pay for the services you use. Therefore, in the private system you will most likely end up paying less compared to public health insurance. Of course that doesn’t always apply, sometime the public system might also be the better choice for you. If you would like to know if you can save up by changing to private health insurance you can check out our “Sparrechner” where you can calculate you individual savings potential: www.ottonova.de/spar-rechner
What people call free someone else is paying for it.
Dude turn down the frequency of the ads please!! I have to see this like 16 times a day. Annoying as!
done! Might take a bit of time to readjust.
So in other words.....the socialized medicine aspect only works, if the funds are there.....and if not, then what? No treatments? That's not a good system!
Please read the other comments. Most of the thinks she said aren't absolutely true.
The only real benefit of private is that you get the appointment quickly and they also pay non medical healers.
If a statutory health insurance company runs out of money, the state steps in financially.
The corresponding health insurance company could then be dissolved.
It is true that the state determines the statutory benefits.
These blankets cover every conceivable area of conventional medicine.
However, what is not taken over are special requests such as single rooms, treatment directly from the chief doctor, alternative practitioner and most "alternative" medical areas.
In the case of cancer, the same treatment is carried out in both systems, as is the case with many other diseases, since private health insurance companies also tend not to pay for useless treatments.
WOW! that example was really good!
Uk have the best health care
This is soooo misleading.... Do you really think privatisation is better for healthcare and paying for your fellow countrymen is wrong?
Hi Vipul,
that’s actually not what we are trying to say with this video. We are only explaining the advantages the private health insurance system can have for you. It’s still your choice whether you want to remain in the public system or opt for private health insurance.
Nothing misleading about it i guess you have no real clue.
That is why even the German health minister Jens Spahn is insured with PKV private health insurance and not with GKV health insurance, like almost all health ministers before.
How much do you want to pay for obese people who eat terrible food, drink too much, smoke cigarettes, etc.?
How much are willing to pay for people with massively chronic health problems who will go through a fortune in medical expenses? How many premie babies, at $1,000,000 each, are you willing to fund?
Private health insurance is still an insurance. By definition you pay for the other insured clients. That's how insurances work
@@Argentarius11 you might as well unplug the internet and float away in the ocean... You seem to hate living in a society way too much... What you feel is that you alone will have to pay for those premie babies... Pathetic
Private system sounds classist.
Some people are successful with their careers, others mop floors for a living. That is not classist.
There is nothing "classist" being the bottom 10% or the top 10% in intelligence.
If you steal from the success of the top 10% in intelligence to raise up the bottom 10%, you can not make the two groups equal. Economic Classes can change greatly in time. They fluid, not fixed. In the USA, many of the wealthy started out low middle class and rose up in their careers to be wealthy. There is nothing classist about that.
@@Argentarius11 so you’re saying the rich people are saving the poor people?
Who are you
We are a private health insurance from Germany :)
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. ^^
Hi, we are very sorry to hear that you obviously do not agree with our content. The information we publish in our videos is always well researched and approved by our insurance experts. Therefore we are very surprised that you consider everything a hundred percent wrong.
I am German and in the GKV health insurance. Can you please tell me what exactly is supposed to be wrong with this video?
America is private and it takes weeks to see a doctor
Try getting to see a doctor with Medicaid in America, the health insurance for the low income. It's worse.
I live Germany and the health care system is bad here
For example?
TheHolden20 I am from Austria and the system there was better than in Germany.
In Austria, there is health insurance for everyone. This public health insurance covers more services than in Germany. Even with a private doctor is paid so much. The health insurance pays as much as it would have paid a public doctor.
And if you want even more, you can get private supplementary insurance from 34 €. But that is more of a luxury than a necessity. There are packages to be treated worldwide in the hospital or doctor of choice. Transport or hotel is organized and taken over. Or there are cancer packages to specialize only in cancer detection. The DNA is searched for cancer markers and so on.
Nevertheless, no private supplementary insured patient may get faster an appointment with the doctor or better medical treatment. This is forbidden by law.
Only the accommodation and catering is allowed to be better.
In Germany there is a two-part health system. 10 percent are privately insured. Only civil servants, self-employed and people over about 5000 € are allowed to have private insurance. The patients who are privately insured get faster an appointment with the doctor, get better medicine and the doctor takes more time and makes more examinations. And some doctors only take privately insured patients.
The remaining 90 percent have statutory health insurance. Here you have to wait a long time, the doctor is not so friendly because he gets little money from the statutory health insurance. You only get the cheapest drugs, if at all. Because the doctor has to pay money if he exceeds the budget. No doctor wants that.
Otherwise, the doctors in Austria are better trained and have 3 years of practice in different areas in the hospital.
In Germany this practice was shortened to a few months.
It is best not to get a doctor who has just started.
And in Austria the doctors prescribe much more and stronger things. In Germany, there is a lot of emphasis on soft medicine, natural medicine and homeopathy. In the case of serious illnesses, this is too weak and one is tormented for a long time with an illness because it does not go away. I hate that.
Otherwise, in Austria as well as in Germany there is a free choice of doctors.You can go to any family doctor, specialist or hospital. You do not need a referral
@@maxl4287 1. Health insurance in Germany covers everyone too. DNA sequencing is covered in Germany too....
2. They do not get better medicine. That's just false.
The doctors in Austria aren't better and they get paid less than German doctors. Hence why many Austrian doctors move to Germany.
You have very little idea about the German system. Homeopathy has no place in clinical medicine.
What is her instagram id??