在德国，相比法定医保，参保私人医保有什么优势(一)
正文翻译
What are the advantages of having a private health insurance in Germany vs a public health insurance?
在德国相比公共健康保险，拥有私人健康保险与的优势是什么?
What are the advantages of having a private health insurance in Germany vs a public health insurance?
在德国相比公共健康保险，拥有私人健康保险与的优势是什么?
评论翻译
Stephan Landers
I know that this is some paid entry to lure people towards some kind of service, but just a hint of warning:
Private health insurance in Germany is very good, with many advantages, but it comes with a catch. If you choose it (often at a young, healthy age when it is cheap),Should you ever have a lower or missing income, you still have to stay with them, so your service level can sink below the public one and still cost more. You know that and you'll tell me to buzz off, but hear me out.
我知道这是一些付费入场券，目的是引诱人们接受某种服务，但这只是一个警告：
德国的私人医疗保险非常好，有很多优点，但也有问题。如果你选择它（通常是在年轻、健康的年龄，因为它很便宜），如果你的收入较低或没有，你仍然必须买私人医疗保险，这样你的服务水平可能会低于公共水平，而且成本仍然更高。你知道的，你会叫我不要说了，但听我说完。
I know that this is some paid entry to lure people towards some kind of service, but just a hint of warning:
Private health insurance in Germany is very good, with many advantages, but it comes with a catch. If you choose it (often at a young, healthy age when it is cheap),Should you ever have a lower or missing income, you still have to stay with them, so your service level can sink below the public one and still cost more. You know that and you'll tell me to buzz off, but hear me out.
我知道这是一些付费入场券，目的是引诱人们接受某种服务，但这只是一个警告：
德国的私人医疗保险非常好，有很多优点，但也有问题。如果你选择它（通常是在年轻、健康的年龄，因为它很便宜），如果你的收入较低或没有，你仍然必须买私人医疗保险，这样你的服务水平可能会低于公共水平，而且成本仍然更高。你知道的，你会叫我不要说了，但听我说完。
Should you ever become old or chronically sick, the rates will rise (or you'll pay more up front) and if something like a, say, global pandemic were to strike, those rates, which are usually kept low through sharing company excess, can climb even higher. It's still cheaper than paying everything yourself, but you'll be a liability to your insurer and they will try to cut their losses.
While publicly insured service is regarded (and very often for real) second class, finances won't be discussed ever (except for dental). Your doctors or pharmacists directly talk to the insurer and get their money. With private insurance, you pay the doctor and you should not be surprised if you encounter random problems with insurance reimbursement every other month. Even if you resolve the issue, next month or the one after, it will happen again. Some time it's 10 Euros, sometime it’s 100.
如果你变老或患慢性病，利率会上升（或者你会提前支付更多），如果发生全球疫情这样的事情，这些利率通常通过分享公司的超额利润而保持在较低水平，但现在可能会进一步攀升。这仍然比自己支付所有费用便宜，但你将成为保险公司的责任，他们将努力减少损失。
虽然公共保险服务被视为(而且通常是真实的)二等，但财务问题永远不会被讨论(除了牙科)。你的医生或药剂师直接与保险公司交谈，得到他们的钱。有了私人保险，你要付钱给医生，如果你每隔一个月就遇到保险报销方面不同寻常的问题，你不应该感到惊讶。即使你解决了这个问题，下个月或下下个月，它还会再次发生。有时是10欧元，有时是100欧元。
While publicly insured service is regarded (and very often for real) second class, finances won't be discussed ever (except for dental). Your doctors or pharmacists directly talk to the insurer and get their money. With private insurance, you pay the doctor and you should not be surprised if you encounter random problems with insurance reimbursement every other month. Even if you resolve the issue, next month or the one after, it will happen again. Some time it's 10 Euros, sometime it’s 100.
如果你变老或患慢性病，利率会上升（或者你会提前支付更多），如果发生全球疫情这样的事情，这些利率通常通过分享公司的超额利润而保持在较低水平，但现在可能会进一步攀升。这仍然比自己支付所有费用便宜，但你将成为保险公司的责任，他们将努力减少损失。
虽然公共保险服务被视为(而且通常是真实的)二等，但财务问题永远不会被讨论(除了牙科)。你的医生或药剂师直接与保险公司交谈，得到他们的钱。有了私人保险，你要付钱给医生，如果你每隔一个月就遇到保险报销方面不同寻常的问题，你不应该感到惊讶。即使你解决了这个问题，下个月或下下个月，它还会再次发生。有时是10欧元，有时是100欧元。
There will be unexpected reductions, missing receipts, refusal to pay for medicine because you got the wrong vendor, notes of referral being dated wrong, you name it. Even if you need the same things every time. It takes time and willpower to fight against that and should you happen to be sick or a slightly disorganized type of person, you may not find enough strength to do that every time. Should it ever come to a lawsuit though, note that any competent lawyers in the field will usually work for the insurers and medical cases take years to complete.
If you have any kind of risk insurance (loss of income, accident etc.) expect them to come up with alleged contract violations from your side, incorrectly or insufficiently answered questions etc. on the day you need them, not when you sign the contract.
In the end, the laws keep them from outright robbing you and they have a reputation to keep up, so they'll be friendly and accurate and you'll get what’s yours if you persist; but should you be out of luck and e.g, fighting a depression, be old and alone or just unable to stay concentrated and read you will lose money.
会有意想不到的减少报销的情况，丢失收据，因为你找错了供应商而拒绝支付药费，转诊记录日期错误，你能想到的原因都有。即使你每次都需要同样的东西，但与之对抗需要时间和意志力，如果你碰巧生病了，或者你是一个有点混乱的人，你不一定每次都有足够的意志力去处理这类问题。但是，如果发生诉讼，就得注意，该领域的任何有能力的律师通常都会为保险公司工作，而医疗案件需要数年才能完成。
如果你有任何类型的风险保险（收入损失、事故等），希望他们在你需要它们钱的那天，而不是在你签署合同的时候，提出你方涉嫌违反合同、回答错误或没有充分回答问题等。
最终，法律阻止他们直接抢劫你，而且他们需要保持良好的声誉，于是他们会友好而准确的应对，所以如果你坚持，你会得到你应得的；但是，如果你运气不好，例如，与抑郁症作斗争，年老孤独，或者无法集中注意力，你是会赔钱的。
If you have any kind of risk insurance (loss of income, accident etc.) expect them to come up with alleged contract violations from your side, incorrectly or insufficiently answered questions etc. on the day you need them, not when you sign the contract.
In the end, the laws keep them from outright robbing you and they have a reputation to keep up, so they'll be friendly and accurate and you'll get what’s yours if you persist; but should you be out of luck and e.g, fighting a depression, be old and alone or just unable to stay concentrated and read you will lose money.
会有意想不到的减少报销的情况，丢失收据，因为你找错了供应商而拒绝支付药费，转诊记录日期错误，你能想到的原因都有。即使你每次都需要同样的东西，但与之对抗需要时间和意志力，如果你碰巧生病了，或者你是一个有点混乱的人，你不一定每次都有足够的意志力去处理这类问题。但是，如果发生诉讼，就得注意，该领域的任何有能力的律师通常都会为保险公司工作，而医疗案件需要数年才能完成。
如果你有任何类型的风险保险（收入损失、事故等），希望他们在你需要它们钱的那天，而不是在你签署合同的时候，提出你方涉嫌违反合同、回答错误或没有充分回答问题等。
最终，法律阻止他们直接抢劫你，而且他们需要保持良好的声誉，于是他们会友好而准确的应对，所以如果你坚持，你会得到你应得的；但是，如果你运气不好，例如，与抑郁症作斗争，年老孤独，或者无法集中注意力，你是会赔钱的。
Deidre Graydon
They're are certainly many advantages to private health insurance. HOWEVER : One really crucial downside is that as you get older, the cost of private health insurance increases dramatically. Ten years ago I was paying 350. At the moment I'm paying 1000 euros a month. And once you're 55 you cannot switch back to the public insurance. What many people don't realise is that the attractive premiums when you're young and healthy increase every year. By the time you've retired, the premiums have increased exponentially.
How do the companies do that? Every five years or so, the private health insurance companies close the plan you're on, meaning it does not offer it to new customers (often younger people whose health care costs tend to be lower). Since health care costs increase as you get older, the companies can use this as a reason to increase your premiums.
对于私人健康保险来说，它们当然有很多好处。然而：一个非常关键的不利因素是，随着年龄的增长，私人健康保险的成本急剧增加。十年前我付350欧元。目前我每月支付1000欧元。一旦你到了55岁了，你就不能再转向公共保险了。许多人没有意识到的是，当你年轻健康时，诱人的保费每年都在增加。到你退休的时候，保费已经呈指数增长。
这些公司是如何做到这一点的？每隔五年左右，私人健康保险公司就会关闭你的计划，这意味着它不在对你开放，而是会提供给新客户（通常是年轻人，他们的医疗保健成本往往较低）。由于医疗费用会随着年龄的增长而增加，保险公司可以以此为理由提高你的保费。
They're are certainly many advantages to private health insurance. HOWEVER : One really crucial downside is that as you get older, the cost of private health insurance increases dramatically. Ten years ago I was paying 350. At the moment I'm paying 1000 euros a month. And once you're 55 you cannot switch back to the public insurance. What many people don't realise is that the attractive premiums when you're young and healthy increase every year. By the time you've retired, the premiums have increased exponentially.
How do the companies do that? Every five years or so, the private health insurance companies close the plan you're on, meaning it does not offer it to new customers (often younger people whose health care costs tend to be lower). Since health care costs increase as you get older, the companies can use this as a reason to increase your premiums.
对于私人健康保险来说，它们当然有很多好处。然而：一个非常关键的不利因素是，随着年龄的增长，私人健康保险的成本急剧增加。十年前我付350欧元。目前我每月支付1000欧元。一旦你到了55岁了，你就不能再转向公共保险了。许多人没有意识到的是，当你年轻健康时，诱人的保费每年都在增加。到你退休的时候，保费已经呈指数增长。
这些公司是如何做到这一点的？每隔五年左右，私人健康保险公司就会关闭你的计划，这意味着它不在对你开放，而是会提供给新客户（通常是年轻人，他们的医疗保健成本往往较低）。由于医疗费用会随着年龄的增长而增加，保险公司可以以此为理由提高你的保费。
There is no limit as to how far they can go as long as they can argue that they're paying out more. Inevitably, your premiums will continue to go up.. Many people who signed up for private health insurance when they were young say that after they've retired, it's really really hard to pay the premiums from their pension. And many have preexisting conditions that makes it impossible for them to enter any other plan. At the moment my premiums take almost half my pension. Civil servants get some financial help for their insurance when they retire,, but no one else does.
Even though the health care is definitively better, you'd be better off getting public insurance and maybe buying additional coverage..
只要他们能辩称自己付出了更多，他们的保费涨多高是没有限制的。你的保费会继续上涨。许多年轻时买了私人医疗保险的人说，退休后，他们很难凭借养老金去支付保险费。而且许多人有既存状况，这使得他们不可能加入任何其他计划。目前我的保险费几乎占了我退休金的一半。公务员退休后可以得到一些保险方面的经济帮助，但其他人是没有的。
尽管医疗保健确实更好，但你最好购买公共保险，也许还可以加点额外的保险。
Even though the health care is definitively better, you'd be better off getting public insurance and maybe buying additional coverage..
只要他们能辩称自己付出了更多，他们的保费涨多高是没有限制的。你的保费会继续上涨。许多年轻时买了私人医疗保险的人说，退休后，他们很难凭借养老金去支付保险费。而且许多人有既存状况，这使得他们不可能加入任何其他计划。目前我的保险费几乎占了我退休金的一半。公务员退休后可以得到一些保险方面的经济帮助，但其他人是没有的。
尽管医疗保健确实更好，但你最好购买公共保险，也许还可以加点额外的保险。
Yonca Tarak
In Germany, there are two main types of health insurance: public health insurance (Gesetzliche Krankenversicherung or GKV) and private health insurance (Private Krankenversicherung or PKV). Both options have their advantages and disadvantages, and the choice between them will depend on your individual circumstances and needs.
Advantages of private health insurance in Germany include:
在德国，有两种主要类型的健康保险：公共健康保险（Gesetzliche Krankenversicherung或GKV）和私人健康保险（private Krankenversicherung或PKV）。这两种选择都有其优点和缺点，两者之间的选择将取决于您的个人情况和需求。
德国私人健康保险的优势包括：
In Germany, there are two main types of health insurance: public health insurance (Gesetzliche Krankenversicherung or GKV) and private health insurance (Private Krankenversicherung or PKV). Both options have their advantages and disadvantages, and the choice between them will depend on your individual circumstances and needs.
Advantages of private health insurance in Germany include:
在德国，有两种主要类型的健康保险：公共健康保险（Gesetzliche Krankenversicherung或GKV）和私人健康保险（private Krankenversicherung或PKV）。这两种选择都有其优点和缺点，两者之间的选择将取决于您的个人情况和需求。
德国私人健康保险的优势包括：
More flexibility: Private health insurance in Germany offers more flexibility in terms of choosing your doctor, hospital, and medical treatments.
More comprehensive coverage: Private health insurance in Germany typically provides more comprehensive coverage than public health insurance, including dental and vision care.
Shorter wait times: Private health insurance can often provide shorter wait times for medical appointments and procedures.
Higher quality of care: Private health insurance in Germany often offers a higher quality of care, with access to advanced treatments and facilities.
Tailored coverage: Private health insurance allows you to customize your coverage to meet your specific needs, which can be particularly beneficial if you have pre-existing conditions or require specialized medical care.
更具灵活性：德国的私人医疗保险在选择医生、医院和医疗方面提供了更大的灵活性。
更全面的保险范围：德国的私人健康保险通常比公共健康保险提供更全面的覆盖范围，包括牙科和视力护理。
更短的等待时间：私人医疗保险通常可以提供更短的医疗预约和流程等待时间。
更高的护理质量：德国的私人医疗保险通常提供更高质量的护理，可以获得先进的治疗和设施。
量身定制的保险范围：私人健康保险允许您定制您的保险范围，以满足您的特定需求，如果您有预先存在的疾病或需要专业医疗护理，这将特别有益。
More comprehensive coverage: Private health insurance in Germany typically provides more comprehensive coverage than public health insurance, including dental and vision care.
Shorter wait times: Private health insurance can often provide shorter wait times for medical appointments and procedures.
Higher quality of care: Private health insurance in Germany often offers a higher quality of care, with access to advanced treatments and facilities.
Tailored coverage: Private health insurance allows you to customize your coverage to meet your specific needs, which can be particularly beneficial if you have pre-existing conditions or require specialized medical care.
更具灵活性：德国的私人医疗保险在选择医生、医院和医疗方面提供了更大的灵活性。
更全面的保险范围：德国的私人健康保险通常比公共健康保险提供更全面的覆盖范围，包括牙科和视力护理。
更短的等待时间：私人医疗保险通常可以提供更短的医疗预约和流程等待时间。
更高的护理质量：德国的私人医疗保险通常提供更高质量的护理，可以获得先进的治疗和设施。
量身定制的保险范围：私人健康保险允许您定制您的保险范围，以满足您的特定需求，如果您有预先存在的疾病或需要专业医疗护理，这将特别有益。
Advantages of public health insurance in Germany include:
Lower costs: Public health insurance in Germany is generally less expensive than private health insurance, particularly for younger and healthier individuals.
Automatic coverage: Everyone in Germany is required to have health insurance, and if you are employed, you will automatically be enrolled in public health insurance. Private health insurance, on the other hand, requires an application process and may not be available to everyone.
Equal access: Public health insurance in Germany provides equal access to medical care for everyone, regardless of income or health status.
Family coverage: Public health insurance often provides family coverage at no additional cost, which can be particularly beneficial for families with children.
Ultimately, the choice between public and private health insurance in Germany will depend on your individual needs and circumstances, as well as your budget and preferences. It's important to do your research and compare different options before making a decision.
德国公共医疗保险的优势包括：
成本更低：德国的公共医疗保险通常比私人医疗保险便宜，尤其是对年轻健康的人来说。
必买的保险：德国的每个人都必须有健康保险，如果你有工作，你将自动参加公共健康保险。另一方面，私人健康保险需要一个申请流程，可能不是每个人都能获得。
平等机会：无论收入或健康状况如何，德国的公共医疗保险为每个人提供平等的医疗服务。
家庭保险：公共健康保险通常免费提供家庭保险，这对有孩子的家庭尤其有利。
最终，在德国，公共和私人医疗保险之间的选择将取决于您的个人需求和情况，以及您的预算和偏好。在做出决定之前，进行研究并比较不同的选择是很重要的。
Lower costs: Public health insurance in Germany is generally less expensive than private health insurance, particularly for younger and healthier individuals.
Automatic coverage: Everyone in Germany is required to have health insurance, and if you are employed, you will automatically be enrolled in public health insurance. Private health insurance, on the other hand, requires an application process and may not be available to everyone.
Equal access: Public health insurance in Germany provides equal access to medical care for everyone, regardless of income or health status.
Family coverage: Public health insurance often provides family coverage at no additional cost, which can be particularly beneficial for families with children.
Ultimately, the choice between public and private health insurance in Germany will depend on your individual needs and circumstances, as well as your budget and preferences. It's important to do your research and compare different options before making a decision.
德国公共医疗保险的优势包括：
成本更低：德国的公共医疗保险通常比私人医疗保险便宜，尤其是对年轻健康的人来说。
必买的保险：德国的每个人都必须有健康保险，如果你有工作，你将自动参加公共健康保险。另一方面，私人健康保险需要一个申请流程，可能不是每个人都能获得。
平等机会：无论收入或健康状况如何，德国的公共医疗保险为每个人提供平等的医疗服务。
家庭保险：公共健康保险通常免费提供家庭保险，这对有孩子的家庭尤其有利。
最终，在德国，公共和私人医疗保险之间的选择将取决于您的个人需求和情况，以及您的预算和偏好。在做出决定之前，进行研究并比较不同的选择是很重要的。
Jimmy Bobbins
It depends on whether you believe in a society where those who are more fortunate help out those who are less fortunate.
Though imperfect, a cornerstone of the German public healthcare funding model is solidarity. You pay (approx 15%) of what you earn irrespective of age or state of health such that those who earn more help out those who earn less. This model means that irrespective of one's circumstances you should never have to fear the financial consequences of being sick.
By opting for private insurance you're in effect sticking up two fingers up to the concept of solidarity and perpetuating a culture of valuing one's own needs over those of society.
Fortunately there are substantial disadvantages to being privately insured that others have mentioned such as the astronomical increases in costs as you get older or if you have a chronic illness; the fact many plans don't cover dependent family members . Hence, many sensible Germans who earn enough to be private still opt to be public for this reason. As for those who to private for short-term greed. Well I think the famous German word Schadenfreude is apt here.
Sadly one group is often forced into private: freelancers who arrive from abroad. To this group I'd advise that if your visa allows it, try to get a part-time job in a cafe or bar or supermarket to get into the public system first, then once you're in you can stay in the system as a freelancer.
I sincerely hope that the private opt-out is eventually abolished
这取决于你是否相信在这个社会里，那些幸运的人会帮助那些不幸的人。
尽管不完美，但德国公共医疗融资模式的基石是团结。无论年龄或健康状况如何，你都要支付收入的15%，这样收入多的人就能帮助收入少的人。这种模式意味着，无论你的情况如何，你都不应该担心生病带来的经济后果。
如果你选择私人保险，你实际上是在对着团结的概念比划两根手指，并延续了一种重视个人需求高于社会需求的文化。
幸运的是，私人保险也有很多缺点，比如随着年龄的增长或患有慢性病，费用会大幅增加；事实上，许多计划不包括受抚养的家庭成员。因此，出于这个原因，许多收入足以选择私人保险的明智德国人仍然选择参保公共保险。至于那些贪婪短期利益而参保私人保险的人。我认为德语中著名的“幸灾乐祸”这个词，用在这里是很贴切的。
不幸的是，有一个群体经常被迫参保私人保险：从国外来的自由职业者。对于这个群体，我建议，如果你的签证允许，试着在咖啡馆、酒吧或超市找一份兼职工作，先参保公共保险，然后一旦你参保了公共保险，你就可以作为自由职业者留在系统中了。
我真诚地希望不参加私人保险并最终废除它。
It depends on whether you believe in a society where those who are more fortunate help out those who are less fortunate.
Though imperfect, a cornerstone of the German public healthcare funding model is solidarity. You pay (approx 15%) of what you earn irrespective of age or state of health such that those who earn more help out those who earn less. This model means that irrespective of one's circumstances you should never have to fear the financial consequences of being sick.
By opting for private insurance you're in effect sticking up two fingers up to the concept of solidarity and perpetuating a culture of valuing one's own needs over those of society.
Fortunately there are substantial disadvantages to being privately insured that others have mentioned such as the astronomical increases in costs as you get older or if you have a chronic illness; the fact many plans don't cover dependent family members . Hence, many sensible Germans who earn enough to be private still opt to be public for this reason. As for those who to private for short-term greed. Well I think the famous German word Schadenfreude is apt here.
Sadly one group is often forced into private: freelancers who arrive from abroad. To this group I'd advise that if your visa allows it, try to get a part-time job in a cafe or bar or supermarket to get into the public system first, then once you're in you can stay in the system as a freelancer.
I sincerely hope that the private opt-out is eventually abolished
这取决于你是否相信在这个社会里，那些幸运的人会帮助那些不幸的人。
尽管不完美，但德国公共医疗融资模式的基石是团结。无论年龄或健康状况如何，你都要支付收入的15%，这样收入多的人就能帮助收入少的人。这种模式意味着，无论你的情况如何，你都不应该担心生病带来的经济后果。
如果你选择私人保险，你实际上是在对着团结的概念比划两根手指，并延续了一种重视个人需求高于社会需求的文化。
幸运的是，私人保险也有很多缺点，比如随着年龄的增长或患有慢性病，费用会大幅增加；事实上，许多计划不包括受抚养的家庭成员。因此，出于这个原因，许多收入足以选择私人保险的明智德国人仍然选择参保公共保险。至于那些贪婪短期利益而参保私人保险的人。我认为德语中著名的“幸灾乐祸”这个词，用在这里是很贴切的。
不幸的是，有一个群体经常被迫参保私人保险：从国外来的自由职业者。对于这个群体，我建议，如果你的签证允许，试着在咖啡馆、酒吧或超市找一份兼职工作，先参保公共保险，然后一旦你参保了公共保险，你就可以作为自由职业者留在系统中了。
我真诚地希望不参加私人保险并最终废除它。
Rika
Nothing. You can get therapies at private clinics. Maybe quicker to find a psychotherapist.
already in 50s you could pay ca 600€ every month per person, you can be a financial supporter to a clinic by agreeing to unnecessary diagnostics packages. They love to keep you in a hospital longer. Doctors and nurses handle the private patients NOT nicer. They handle all equally.
什么优势都没有。你可以在私人诊所接受治疗，也许找个心理治疗师会更快。
已经50多岁了，你可以每月为每人支付约600欧元，你可以通过同意不必要的诊断套餐而成为诊所的财务支持者。他们就喜欢让你住院更长时间。医生和护士对待私人病人并不会格外好。他们对待所有人都是平等的。
Nothing. You can get therapies at private clinics. Maybe quicker to find a psychotherapist.
already in 50s you could pay ca 600€ every month per person, you can be a financial supporter to a clinic by agreeing to unnecessary diagnostics packages. They love to keep you in a hospital longer. Doctors and nurses handle the private patients NOT nicer. They handle all equally.
什么优势都没有。你可以在私人诊所接受治疗，也许找个心理治疗师会更快。
已经50多岁了，你可以每月为每人支付约600欧元，你可以通过同意不必要的诊断套餐而成为诊所的财务支持者。他们就喜欢让你住院更长时间。医生和护士对待私人病人并不会格外好。他们对待所有人都是平等的。
Code Learner
In Germany, there are two main types of health insurance: public (Gesetzliche Krankenversicherung or GKV) and private (Private Krankenversicherung or PKV). Here are some advantages of each type:
Advantages of public health insurance:
Affordability: Public health insurance premiums are based on a percentage of your income, which means they are generally more affordable than private health insurance premiums.
Comprehensive coverage: Public health insurance covers a wide range of medical treatments and services, including doctor visits, hospital stays, prescxtion drugs, and preventative care.
No exclusions for pre-existing conditions: Public health insurance cannot deny coverage or charge higher premiums based on pre-existing conditions.
Access to all doctors and hospitals: Public health insurance holders have access to all doctors and hospitals that participate in the public health system.
在德国，有两种主要类型的健康保险：公共保险和私人保险。以下是每种类型的一些优点：
公共健康保险的优势：
负担得起：公共健康保险费是基于你收入的一个百分比，这意味着它们通常比私人健康保险费更负担得起。
全面覆盖：公共健康保险涵盖广泛的医疗和服务，包括看病、住院、处方药和预防性护理。
不排除已有疾病：公共健康保险不能基于已有疾病拒绝承保或收取更高的保费。
接触所有医生和医院：公共卫生保险持有人可以接触所有参与公共卫生系统的医生和医院。
In Germany, there are two main types of health insurance: public (Gesetzliche Krankenversicherung or GKV) and private (Private Krankenversicherung or PKV). Here are some advantages of each type:
Advantages of public health insurance:
Affordability: Public health insurance premiums are based on a percentage of your income, which means they are generally more affordable than private health insurance premiums.
Comprehensive coverage: Public health insurance covers a wide range of medical treatments and services, including doctor visits, hospital stays, prescxtion drugs, and preventative care.
No exclusions for pre-existing conditions: Public health insurance cannot deny coverage or charge higher premiums based on pre-existing conditions.
Access to all doctors and hospitals: Public health insurance holders have access to all doctors and hospitals that participate in the public health system.
在德国，有两种主要类型的健康保险：公共保险和私人保险。以下是每种类型的一些优点：
公共健康保险的优势：
负担得起：公共健康保险费是基于你收入的一个百分比，这意味着它们通常比私人健康保险费更负担得起。
全面覆盖：公共健康保险涵盖广泛的医疗和服务，包括看病、住院、处方药和预防性护理。
不排除已有疾病：公共健康保险不能基于已有疾病拒绝承保或收取更高的保费。
接触所有医生和医院：公共卫生保险持有人可以接触所有参与公共卫生系统的医生和医院。
Guaranteed coverage: Everyone in Germany is required to have health insurance, and public health insurance must accept anyone who applies.
Advantages of private health insurance:
More options: Private health insurance offers a wider range of options and benefits than public health insurance, such as coverage for alternative medicine, private rooms in hospitals, and dental care.
Quicker access to specialists: Private health insurance holders may be able to access specialist care more quickly than those with public health insurance.
Higher quality of care: Some people believe that private health insurance offers a higher quality of care, as private hospitals and doctors may have more resources and time to dedicate to each patient.
Lower waiting times: Private health insurance holders may experience shorter wait times for certain procedures or treatments.
保障范围：德国的每个人都必须有健康保险，公共健康保险必须接受任何申请者参保。
私人健康保险的优势：
更多选择：私人健康保险比公共健康保险提供了更广泛的选择和福利，如替代药物、医院的私人房间和牙科护理。
更快地获得专家服务：私人健康保险持有人可能比公共健康保险持有人更快地获得专业护理。
更高质量的护理：一些人认为，私人医疗保险提供了更高的护理质量，因为私人医院和医生可能有更多的资源和时间来为每位患者服务。
较短的等待时间：私人健康保险持有人可能会经历较短的某些流程或治疗的等待时间。
Advantages of private health insurance:
More options: Private health insurance offers a wider range of options and benefits than public health insurance, such as coverage for alternative medicine, private rooms in hospitals, and dental care.
Quicker access to specialists: Private health insurance holders may be able to access specialist care more quickly than those with public health insurance.
Higher quality of care: Some people believe that private health insurance offers a higher quality of care, as private hospitals and doctors may have more resources and time to dedicate to each patient.
Lower waiting times: Private health insurance holders may experience shorter wait times for certain procedures or treatments.
保障范围：德国的每个人都必须有健康保险，公共健康保险必须接受任何申请者参保。
私人健康保险的优势：
更多选择：私人健康保险比公共健康保险提供了更广泛的选择和福利，如替代药物、医院的私人房间和牙科护理。
更快地获得专家服务：私人健康保险持有人可能比公共健康保险持有人更快地获得专业护理。
更高质量的护理：一些人认为，私人医疗保险提供了更高的护理质量，因为私人医院和医生可能有更多的资源和时间来为每位患者服务。
较短的等待时间：私人健康保险持有人可能会经历较短的某些流程或治疗的等待时间。
Jane Bree
In Germany, having private health insurance provides several advantages over public health insurance:
More choices: Private health insurance companies offer more flexible plans and a wider range of services than public insurance, allowing people to tailor their insurance coverage to their specific needs.
Shorter wait times: With private health insurance, patients generally have access to quicker appointments and treatments compared to those with public insurance.
Better facilities: Private health insurance often covers treatments in better equipped, more comfortable facilities with more amenities.
More cost-effective: In some cases, private insurance can be more cost-effective in the long run, as people pay higher premiums but receive better treatment and avoid long wait times.
However, private health insurance can be more expensive, and it may not cover all medical treatments or procedures. It's important to carefully consider all options and choose the best insurance coverage that fits one's needs and budget.
在德国，拥有私人健康保险比公共健康保险有几个优势：
更多选择：与公共保险相比，私人健康保险公司提供更灵活的计划和更广泛的服务，使人们能够根据自己的具体需求定制保险范围。
更短的等待时间：与公共保险相比，有了私人医疗保险，患者通常可以更快地获得预约和治疗。
更好的设施：私人医疗保险通常可以在设备更好、更舒适、更便利的设施中条件下进行治疗。
更具成本效益：在某些情况下，从长远来看，私人保险可能更具成本效率，因为人们支付了更高的保费，得到了更好的待遇，避免了漫长的等待时间。
然而，私人健康保险可能更昂贵，而且它可能不包括所有的医疗或流程。重要的是要仔细考虑所有的选项，并选择适合自己需求和预算的最佳保险范围。
In Germany, having private health insurance provides several advantages over public health insurance:
More choices: Private health insurance companies offer more flexible plans and a wider range of services than public insurance, allowing people to tailor their insurance coverage to their specific needs.
Shorter wait times: With private health insurance, patients generally have access to quicker appointments and treatments compared to those with public insurance.
Better facilities: Private health insurance often covers treatments in better equipped, more comfortable facilities with more amenities.
More cost-effective: In some cases, private insurance can be more cost-effective in the long run, as people pay higher premiums but receive better treatment and avoid long wait times.
However, private health insurance can be more expensive, and it may not cover all medical treatments or procedures. It's important to carefully consider all options and choose the best insurance coverage that fits one's needs and budget.
在德国，拥有私人健康保险比公共健康保险有几个优势：
更多选择：与公共保险相比，私人健康保险公司提供更灵活的计划和更广泛的服务，使人们能够根据自己的具体需求定制保险范围。
更短的等待时间：与公共保险相比，有了私人医疗保险，患者通常可以更快地获得预约和治疗。
更好的设施：私人医疗保险通常可以在设备更好、更舒适、更便利的设施中条件下进行治疗。
更具成本效益：在某些情况下，从长远来看，私人保险可能更具成本效率，因为人们支付了更高的保费，得到了更好的待遇，避免了漫长的等待时间。
然而，私人健康保险可能更昂贵，而且它可能不包括所有的医疗或流程。重要的是要仔细考虑所有的选项，并选择适合自己需求和预算的最佳保险范围。
Somsong B.
In Germany, there are both public and private health insurance options available. The main advantages of private health insurance versus public health insurance are:
Greater Choice of Doctors and Hospitals: With private health insurance, you generally have more choice in terms of doctors, hospitals, and clinics. You can often choose a doctor from a larger network and have more flexibility in scheduling appointments.
Faster Treatment: Private health insurance often provides faster treatment times for procedures and surgeries, as well as shorter waiting lists for specialist appointments.
More Comprehensive Coverage: Private health insurance plans typically offer more comprehensive coverage for things like alternative treatments, dental care, and rehabilitation services.
Higher Quality Care: Private health insurance often offers access to higher quality care, including more comfortable hospital rooms, private nursing care, and premium services.
No Queues: Private health insurance typically offers less waiting time, especially for specialist consultations and procedures.
More Customizable Coverage: Private health insurance plans are often more customizable, allowing you to choose the level of coverage that works best for you.
It's important to keep in mind that private health insurance in Germany is typically more expensive than public health insurance. Additionally, not everyone is eligible for private health insurance, as there are income requirements and other eligibility criteria that must be met. Before switching from public to private health insurance, it's important to consider your specific needs and budget, and to weigh the costs and benefits carefully.
在德国，既有公共医疗保险，也有私人医疗保险。私人健康保险相对于公共健康保险的主要优势在于：
医生和医院方面有更多选择：有了私人健康保险，你通常在医生、医院和诊所方面有更多的选择。你通常可以从更大的网络中选择医生，并且在安排预约方面有更大的灵活性。
更快的治疗：私人健康保险通常为外科手术提供更快的治疗时间，并缩短专家预约的等待名单。
更全面的保险范围：私人健康保险计划通常为替代治疗、牙科护理和康复服务等提供更全面的保障。
高质量护理：私人健康保险通常提供更高质量的护理，包括更舒适的病房、私人护理和优质服务。
无需排队：私人医疗保险通常提供较少的等待时间，尤其是专业咨询和手术。
更可定制的保险范围：私人健康保险计划通常更可定制，允许你选择最适合自己的保险级别。
重要的是要记住，德国的私人医疗保险通常比公共医疗保险更贵。此外，并不是每个人都有资格享受私人健康保险，因为必须满足收入要求和其他资格标准。在从公共医疗保险转向私人医疗保险之前，重要的是要考虑你的具体需求和预算，并仔细权衡成本和收益。
In Germany, there are both public and private health insurance options available. The main advantages of private health insurance versus public health insurance are:
Greater Choice of Doctors and Hospitals: With private health insurance, you generally have more choice in terms of doctors, hospitals, and clinics. You can often choose a doctor from a larger network and have more flexibility in scheduling appointments.
Faster Treatment: Private health insurance often provides faster treatment times for procedures and surgeries, as well as shorter waiting lists for specialist appointments.
More Comprehensive Coverage: Private health insurance plans typically offer more comprehensive coverage for things like alternative treatments, dental care, and rehabilitation services.
Higher Quality Care: Private health insurance often offers access to higher quality care, including more comfortable hospital rooms, private nursing care, and premium services.
No Queues: Private health insurance typically offers less waiting time, especially for specialist consultations and procedures.
More Customizable Coverage: Private health insurance plans are often more customizable, allowing you to choose the level of coverage that works best for you.
It's important to keep in mind that private health insurance in Germany is typically more expensive than public health insurance. Additionally, not everyone is eligible for private health insurance, as there are income requirements and other eligibility criteria that must be met. Before switching from public to private health insurance, it's important to consider your specific needs and budget, and to weigh the costs and benefits carefully.
在德国，既有公共医疗保险，也有私人医疗保险。私人健康保险相对于公共健康保险的主要优势在于：
医生和医院方面有更多选择：有了私人健康保险，你通常在医生、医院和诊所方面有更多的选择。你通常可以从更大的网络中选择医生，并且在安排预约方面有更大的灵活性。
更快的治疗：私人健康保险通常为外科手术提供更快的治疗时间，并缩短专家预约的等待名单。
更全面的保险范围：私人健康保险计划通常为替代治疗、牙科护理和康复服务等提供更全面的保障。
高质量护理：私人健康保险通常提供更高质量的护理，包括更舒适的病房、私人护理和优质服务。
无需排队：私人医疗保险通常提供较少的等待时间，尤其是专业咨询和手术。
更可定制的保险范围：私人健康保险计划通常更可定制，允许你选择最适合自己的保险级别。
重要的是要记住，德国的私人医疗保险通常比公共医疗保险更贵。此外，并不是每个人都有资格享受私人健康保险，因为必须满足收入要求和其他资格标准。在从公共医疗保险转向私人医疗保险之前，重要的是要考虑你的具体需求和预算，并仔细权衡成本和收益。
Feather insurance
In Germany Public insurance and Private Health insurance, each have their own distinct pricing and requirements (for Private Health) to be eligible.
Public health insurance (Gesetzliche Krankenversicherung GKV) is available to almost everyone and is mandatory in Germany. It's also partially funded by the government. This provides a large enough security net for the people who are part of the insurance plan.
Germany's public health insurance costs 14,9% to 16,3% of your gross income (on average 15,9%). The prices vary between different providers (Krankenkassen); however, the maximum you can pay monthly if you’re a high earner above €65k per year will be capped at €461.99 per month.
You can find out here with this online tool that provides a price estimate for those who are interested in knowing if it will be interesting to make the switch:
在德国，公共保险和私人医疗保险都有自己独特的定价和要求（针对私人医疗）。
公共医疗保险（Gesetzliche Krankenversicherung GKV）几乎对所有人都适用，在德国是强制性的。它的部分资金也由政府提供。这为参加保险计划的人提供了一个足够大的安全保障。
德国的公共健康保险费用占总收入的14.9%至16.3%（平均为15.9%）。不同保险公司的价格各不相同（Krankenkassen）；然而，如果你是年收入超过6.5万欧元的高收入者，你每月可以支付的最高限额将为461.99欧元。
你可以在这里找到这个在线工具，它为那些有兴趣了解是否有兴趣进行切换的人提供了价格估算：
In Germany Public insurance and Private Health insurance, each have their own distinct pricing and requirements (for Private Health) to be eligible.
Public health insurance (Gesetzliche Krankenversicherung GKV) is available to almost everyone and is mandatory in Germany. It's also partially funded by the government. This provides a large enough security net for the people who are part of the insurance plan.
Germany's public health insurance costs 14,9% to 16,3% of your gross income (on average 15,9%). The prices vary between different providers (Krankenkassen); however, the maximum you can pay monthly if you’re a high earner above €65k per year will be capped at €461.99 per month.
You can find out here with this online tool that provides a price estimate for those who are interested in knowing if it will be interesting to make the switch:
在德国，公共保险和私人医疗保险都有自己独特的定价和要求（针对私人医疗）。
公共医疗保险（Gesetzliche Krankenversicherung GKV）几乎对所有人都适用，在德国是强制性的。它的部分资金也由政府提供。这为参加保险计划的人提供了一个足够大的安全保障。
德国的公共健康保险费用占总收入的14.9%至16.3%（平均为15.9%）。不同保险公司的价格各不相同（Krankenkassen）；然而，如果你是年收入超过6.5万欧元的高收入者，你每月可以支付的最高限额将为461.99欧元。
你可以在这里找到这个在线工具，它为那些有兴趣了解是否有兴趣进行切换的人提供了价格估算：
Private health insurance is different because it’s the individuals who fully fund it. This is possible because private health insurance premiums depend on a person’s general health and age when signing up and include old age savings, so monthly payments don’t drastically increase as someone gets older. Private health insurance also comes with a guarantee from the government, so if anything were to happen, someone will still have coverage. With private health insurance, monthly payments can also be significantly lower than with public insurance. Costs are determined by factors such as your age, health, and occupation rather than your income.
There are a number of factors that go into determining if private health insurance makes sense for someone. If you’re young, single, healthy, and earning more than €65k, then we can say with a pretty high level of certainty that you would benefit from private health insurance.
After switching, you can expect more comprehensive coverage, lower monthly payments, shorter waiting times for doctor’s appointments, among other benefits.
私人医疗保险则不同，因为它是由个人全额出资。这是可能的，因为医疗保险费取决于一个人的总体健康状况和参保时的年龄，并包括老年储蓄，所以随着年龄的增长，每月支付的费用不会大幅增加。私人医疗保险也有政府的担保，所以如果发生任何事情，仍有人担保的。私人医疗保险的月供也可能比公共保险低得多。成本是由你的年龄、健康和职业等因素决定的，而不是你的收入因素决定的。
有许多因素可以决定私人医疗保险对某人是否有意义。如果你年轻、单身、健康，收入超过6.5万欧元，那么我们可以相当肯定地说，你将受益于私人医疗保险。
转换后，你可以期待更全面的保险、更低的月供、更短的医生预约等待时间，以及其他福利。
There are a number of factors that go into determining if private health insurance makes sense for someone. If you’re young, single, healthy, and earning more than €65k, then we can say with a pretty high level of certainty that you would benefit from private health insurance.
After switching, you can expect more comprehensive coverage, lower monthly payments, shorter waiting times for doctor’s appointments, among other benefits.
私人医疗保险则不同，因为它是由个人全额出资。这是可能的，因为医疗保险费取决于一个人的总体健康状况和参保时的年龄，并包括老年储蓄，所以随着年龄的增长，每月支付的费用不会大幅增加。私人医疗保险也有政府的担保，所以如果发生任何事情，仍有人担保的。私人医疗保险的月供也可能比公共保险低得多。成本是由你的年龄、健康和职业等因素决定的，而不是你的收入因素决定的。
有许多因素可以决定私人医疗保险对某人是否有意义。如果你年轻、单身、健康，收入超过6.5万欧元，那么我们可以相当肯定地说，你将受益于私人医疗保险。
转换后，你可以期待更全面的保险、更低的月供、更短的医生预约等待时间，以及其他福利。
If you have children, our rule of thumb is that it makes sense to get private if you plan on having three or fewer. Otherwise, it might get to be too expensive.
For people who have been through therapy for mental health reasons, for example, you’ll need to wait before getting on private health insurance because this would be considered a pre-existing condition.
If you only plan on staying in Germany for a few years, it also makes sense to be on private insurance because you’ll have overall better coverage with lower payments if you’re earning more than €65k.
如果你有孩子，我们的经验法则是，如果你计划有三个或更少的孩子，参保私人医疗保险就有意义。否则，它可能会变得太贵。
例如，对于那些因为心理健康原因接受过治疗的人，你需要等待才能参保私人医疗保险，因为这将被视为已存在的疾病
如果你只计划在德国呆几年，那么购买私人医疗保险也是有意义的，因为如果你的收入超过6.5万欧元，你的保险范围会更好，支付的费用也会更低。
For people who have been through therapy for mental health reasons, for example, you’ll need to wait before getting on private health insurance because this would be considered a pre-existing condition.
If you only plan on staying in Germany for a few years, it also makes sense to be on private insurance because you’ll have overall better coverage with lower payments if you’re earning more than €65k.
如果你有孩子，我们的经验法则是，如果你计划有三个或更少的孩子，参保私人医疗保险就有意义。否则，它可能会变得太贵。
例如，对于那些因为心理健康原因接受过治疗的人，你需要等待才能参保私人医疗保险，因为这将被视为已存在的疾病
如果你只计划在德国呆几年，那么购买私人医疗保险也是有意义的，因为如果你的收入超过6.5万欧元，你的保险范围会更好，支付的费用也会更低。
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