Immigrants are happy

Germany, a European country, has a happy life brought by a beautiful natural environment. The social environment in Germany is also very stable, with complete infrastructure, convenient life and a very high degree of automation. Germany is a livable country in Europe that many people yearn for.

German medical system

The medical system in Germany is relatively perfect because western medicine was born in Germany, so the medical practitioners in Germany have rich experience, high quality and strong medical equipment and conditions. Secondly, Germany has a relatively complete medical security system, which has a great influence on the daily life of Germans, and this system is being used for reference by countries all over the world. Third, this is also unique to Germany: Germans are a systematic thinking nation. Although it is the birthplace of western medicine, it does not exclude Chinese medicine, which plays an important role in Germany. This can be seen in hospitals in Germany. No matter in a big German hospital or a small German clinic, China's meridian diagram or Taiji diagram is usually hung on the wall. The tolerance, learning, absorption, reference and induction of Germans to foreign civilizations are all worth learning.

Germany's medical security system

1, the birthplace of modern social insurance system

As many people know, modern social insurance began in Bismarck's period and originated in Germany. 1883, Germany promulgated the Medical Insurance Law, which initiated the modern social insurance. Britain promulgated the Poverty Alleviation Law earlier, which is also a social security law. The limitation of British poor law is that it selectively provides protection for the people and is not universal. Not everyone can enjoy protection. Germany's social insurance system takes into account everyone in society, regardless of their identity, status and occupation. Everyone must pay insurance and enjoy the benefits of insurance.

1884, Germany enacted the Law on the Protection of Disabled Persons.

1889, Germany promulgated the Law on Retirement and Pension.

The establishment of these three insurance systems is the foundation of modern social security and one of the important reasons why Germany has not embarked on the socialist road.

2. Perfect insurance system.

At present, the social insurance system in the Federal Republic of Germany is very perfect, whether it is medical insurance, retirement insurance, unemployment insurance, etc. In Germany, as long as you pay insurance, you can enjoy free medical care, which plays an important role in the daily life of German residents.

Types of insurance in Germany

1, two kinds: public insurance and private insurance.

2. Public insurance (statutory insurance)

It does not refer to the type of insurance directly operated by the state, but is managed by a full-time institution according to German regulations. In fact, the state does not play any role in management, but according to the custom of China, we classify this kind of insurance as public insurance.

3. Private insurance (supplementary insurance)

The function of private insurance is that citizens can participate in private insurance types if they need more insurance services after taking out public insurance. Compared with China, it is equivalent to commercial insurance in China. Private insurance can also play most of the role of public insurance.

The difference between public insurance and private insurance

1, the reimbursement procedures are different.

Public insurance reimbursement does not need cash, as long as you give the medical insurance card to the doctor, you don't need to pay any other fees. For reimbursement of private insurance, you must first give the cash to the hospital or clinic, then send the bill to the insurance company, and the insurance company will transfer the money to the account.

2. The reimbursement period is different.

Public insurance can be reimbursed as long as it is insured; Private insurance must pay for certain diseases for a certain period of time before reimbursement.

3. The scope of reimbursement is different

Public insurance can reimburse all diseases within the scope of medical treatment, while private insurance keeps a reimbursement list, which clearly lists diseases within the scope of reimbursement and diseases within the scope of non-reimbursement. For example, some major diseases can be reimbursed by public hospitals, but not by private hospitals. In fact, public and private insurance are complementary.

4. Different reimbursement rates

Public insurance can provide 100% reimbursement, while private insurance can only reimburse about 90%.

After reading so much, I believe everyone has a deeper understanding of Germany's medical insurance system. It is worth mentioning that more and more Germans choose to immigrate to China, which is a very important reason. A perfect medical security system guarantees their health.