Approximately 85% of the population are mandatory or voluntary members of the public health scheme. Currently, there are more than 120 public health insurers in Germany. The benefits provided by public health insurance are prescribed by law and are 95% the same with all health insurers. In fact, public health insurers only differentiate themselves from their peers marginally in areas like special alternative medicine treatments or contributions for preventive courses.
Health insurance contributions are based on your gross income. The prevailing contribution rate is set at 14.6 percent of your gross income (up to 4,350 EUR per month). For employees earning more than 4,350 EUR per month (contribution assessment ceiling in 2017), the contribution rate stays the same. Students have the unique opportunity to be covered with a cheaper student health insurance rates.
Typically, public health insurance covers dental treatment and provides outpatient medical care through authorized medical practitioners, covers dental prosthesis, hospitalization and pays medicines. You also receive a sick leave payment in case of long-term sickness. As you can see, there are a lot of services and benefits in the German health insurance system which is why it is known as one of the best in the world.
Please note that you must also become a member of the so-called “compulsory public long-term care insurance”, which covers costs for nursing services in the event of care-dependency.