How does health insurance work in Germany - explaining video

How does health insurance work in Germany?
Much has changed since the introduction of statutory health insurance by Otto von Bismarck in 1883. However, one thing has not changed: the solidarity principle.
In other words, health services are the same for everyone. The contributions are based on the individual's income.
Those who earn a lot pay high contributions, while those who earn little or nothing pay less or nothing at all.
However, the money paid for health insurance is not transferred directly to the health insurance fund. It is transferred to the so-called healthcare fund, from which all statutory health insurance funds are then financed.
Depending on how many members a health insurance fund has and which health conditions are covered, it receives the necessary funds from the health fund. As the health insurance funds' expenses for treatments have been steadily rising for several years, the federal government must increase its subsidization of the healthcare system and make contributions to the healthcare fund.
Almost 90% of the population in Germany has statutory health insurance, and since 1996 the insurees have been able to choose their health insurance provider of choice. As the statutory health insurance scheme covers 95% of all benefits in the same way, many insured persons choose the health insurance company that offers them most additional benefits or the best service.
Find more information here: www.big-direkt.de/de/security...

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