Pre-Existing Conditions in Germany
When planning a visit to Germany, it is important to understand the health insurance system of the country and any existing rules in place regarding pre-existing conditions. Pre-existing health conditions are medical conditions or illnesses that existed before a person takes out health insurance. In Germany, these conditions can be serious and should be evaluated by a specialist before travelling.
What is the Health Care System Like in Germany?
The health care system in Germany is one of the most advanced systems in the world. Since 2009, citizens have access to a universal health system, which provides coverage for medical care, hospital stays, preventive health care, and other services. All residents of Germany are required to have health insurance coverage, with certain exceptions.
Private health insurers offer a variety of plans and can be chosen based on individual needs. Private health insurance in Germany can also be provided through employers or a public health insurance policy, while those who are self-employed or have a low-income can be covered by a public plan.
Are Pre-Existing Conditions Covered in Germany?
In general, health insurance plans in Germany do not cover pre-existing conditions. This is because pre-existing conditions can range from mild to severe and can be life-threatening or require long-term treatment. It is also not possible to get cover for any medical condition that arose prior to the start of insurance coverage.
However, existing health care coverage may cover certain services related to pre-existing conditions, such as follow-up visits with a doctor, diagnostic tests, surgery or medication. It is important to check with the health care provider to determine what is and is not covered.
What is the Cost of Medical Care in Germany?
The cost of medical care in Germany varies depending on the type of treatment and the health care provider. However, patients in Germany can expect to pay a deductible for services received from private practitioners. This amount is usually between 10 and 50 percent of the total cost of the treatment. In addition, patients may be expected to pay a fee for each visit, depending on the doctor and the treatment received.
For any treatments provided by a public hospital, patients will be required to pay a minimum fee per visit. Some outpatient treatments, such as physical therapy or lab tests, may also carry an additional fee.
What Other Tips Are Important for Visitors with Pre-Existing Conditions?
Visitors to Germany with pre-existing conditions should be aware of the following tips regarding medical care in the country:
- Be sure to carry the necessary documents related to the condition, such as a doctor’s note or medical records.
- Always check with a medical provider to ensure that a particular treatment or procedure is covered before any medical service is received.
- Be aware that not all treatments related to a pre-existing condition may be covered, even if the condition is covered.
- Be prepared to pay out-of-pocket costs for any services not covered by the health insurance policy.
- Check with the insurance provider in advance for any restrictions or limits that may apply.
- Understand that any medications needed for a pre-existing condition must be brought from home, as they may not be available in Germany.
- Have an emergency evacuation plan in the event of a medical emergency.
What Are Some of the Most Common Pre-Existing Conditions?
Pre-existing conditions can range from mild to severe. Some of the most common pre-existing conditions that may be present in travellers to Germany include:
- Heart Disease
- High Blood Pressure
What Are the Benefits of Travel Insurance for Pre-Existing Conditions?
Travel insurance is an important consideration for those with pre-existing conditions, as it can provide cover for unexpected medical expenses and assistance in the event of an emergency. Some travel insurance may provide coverage for medical expenses related to a pre-existing condition, while others may offer coverage for emergency medical evacuation for those with life-threatening conditions. It is important to read the policy carefully and understand what is and is not covered.
FAQs: Pre-Existing Conditions in Germany
What is considered a pre-existing condition?
A pre-existing condition is a medical condition or illness that exists before a person takes out health insurance. Generally, pre-existing conditions are serious and require treatment or follow-up medical care.
Is pre-existing coverage available in Germany?
No, all insurance plans in Germany generally do not cover pre-existing conditions. However, patients may be able to get coverage for certain services related to pre-existing conditions, such as follow-up visits with a doctor or diagnostic tests.
What about medications needed for a pre-existing condition?
Any medications needed for a pre-existing condition must be brought from home as they may not be available in Germany.
Does travel insurance cover pre-existing conditions?
It depends on the travel insurance policy. Some travel insurance may provide coverage for medical expenses related to pre-existing conditions, while others may offer coverage for emergency medical evacuation for those with life-threatening conditions. It is important to read the policy carefully and understand what is and isn’t covered.
Understanding the health insurance system and any existing rules regarding pre-existing conditions is important for any traveller planning to visit Germany. Pre-existing conditions are generally not covered, but there may be some coverage for services related to the condition available. Additionally, it is essential to carry all relevant documents with you, such as a doctor’s note or medical records, and to check with the health care provider to determine what is and is not covered. Travel insurance can be beneficial for those with pre-existing conditions, as it can provide coverage for unexpected medical expenses and assistance in the event of an emergency.