The German healthcare system is based on the principle of solidarity, which ensures that all insured individuals have access to medical services regardless of their income. The system is divided into two main types: statutory (public) health insurance and rsons, civil servants, judges, or individuals whose doctors per 1,000 inhabitants in 2021, compared to 4.1 per 1,000 across the EU. income exceeds a certain threshold can be fully privately insured. Around 10% of the population has fullprivate insurance. Physician density in Germany increased steadily, starting from 3.3 in 2000. Contributions to statutory health insurance are income-based, while contributions to private health insurance depend on the age There is an anticipated shortage of physicians, caused by an aging medical Unmet needs for a medical examination or treatment can arise due to costs, distance A key feature of German private health insurance is the funding principle,in contrast to the pay-as-you-go system used in to the place of treatment, or waiting times. Germany ranks among the countries with the lowest rates of unmet medical needs, and there are almost no differences complement state reimbursement. Almost 40% of the population has supplementary insurance. The hospital bed availability—-a key indicator of system capacity--was about 7.8 beds per 1,000 inhabitants in 2021, significantly above the EU average of 4.8 and economy. In 2023, there were approximately 45 private health insurance companies, including 25 for-profit and 20 nonprofit (mutual insurers. These In 2023, there were about 38 million insurance policies, of which around 9 million grown steadily in recent years, by about 2.5% per year. A new type of policy currently Germany is a high health spender by international standards. In 2021, total health expenditure amounted to 12.9% of GDP, the In 2023, insurance companies generated E48 billion in premium income, with highest level in Europe. In absolute terms: current health expenditure reached about E492 billion in 2023 (all payers combined), after E489 billion or a 0.6% increase from the previous year. Special attention should be paid to the portion of approximately 75 A portion of the premium income is used to build insurance reserves, which are drawn upon when benefit payments increase at higher ages of the insured. This calculation approach makes the system independent of demographic developments. In 2023, the Germany is below the EU average: In 2021, it accounted for 12% of health expenditure, whereas the EU average was 15%.
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2026-07-29
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