Health Insurance in Germany
Posted by nick_niesen on October 29th
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About 87 percent of the residents of Germany have statutory health insurance, i.e. GKV. As of May 2005, the GKV relied on 321 non-profit sickness funds to collect premiums from their members and pay health care providers according to negotiated agreements. Those who are not insured this way, mainly civil servants and the self-employed
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An estimate of 0,3 percent of the German population (around 250,000 people) has no health insurance at all. Some of them are so rich that they do not need it but most of them are poor and receive health care through social assistance.
Statutory health insurance
There are three different categories of sickness funds: primary funds, substitute funds and “special” funds. Some workers are required to be members of the primary funds
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Substitute funds are divided into two kinds: they provide health insurance to both white collar workers and blue collar workers earning more than the income ceiling. Membership is voluntary.
Both, employers and employees pay half of a member’s premiums, which in 2006 averaged between 13 and 14 percent of a worker’s gross earnings up to the contribution assessment ceiling (2006: EUR 3,562.50 monthly EUR 42
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Private health insurance
About eleven percent of Germany’s residents pay for private health insurance provided by some 40 for-profit insurance carriers. Many of those choosing private insurance are civil servants who want to secure percentage of their medical bills not covered by the government. Some sickness-fund members buy additional private insurance to cover such extras as a private room or a choice of physicians while in a hospital. Otherwise, the medical care provided to the publicly and privately insured is identical. In both cases the same medical facilities are used. Self-employed persons earning above the income ceiling must have private insurance. Members of a sickness fund who leave it for a private insurance carrier are not allowed to return to public insurance.
As opposed to the statutory heath insurance
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Getting Discounts on Home Improvement Materials Home Repair Articles | May 24
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There are many ways to save money on home improvement jobs. I will try to give you a few ideas on how to save some money on your home projects.
One way to save is to recycle materials.
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There are many ways to save money on home improvement jobs. I will try to give you a few ideas on how to save some money on your home projects.
One way to save is to recycle materials. Most major urban areas have stores that sell used building materials. Most of these materials where installed in another home and business. When that space was remodeled or destroyed the material was saved and brought to these resale shops.
Some items that are normally really good for your p.
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