This explication of the German health care system is derived from presentations by Prof. Karl Lauterbach, Member of the Bundestag and Director of the Institute of Health Economics and Clinical Epidemiology University Hospital, Cologne.

German Health Care System – Basic Data

Germany has about 82 million inhabitants, of these

  •  72 million (50 million members) are covered by Statutory Health Insurance
  •  89% are covered by the Statutory Health Insurance and – 11% covered by private insurance

Statutory Health Insurance dates back to 1883 (Bismarck)

  •  originally only blue-collar workers
  • definition of minimum benefit catalogue
  • different types of sickness funds according to social/professional groups

Today´s characteristics

working solidarity principle, i.e.

    •  no surcharge for age or risk
    •  low salary = low payment
    •  dependants of members (which pay contributions rates) eligible for the same benefits
    •  contributions for unemployed & welfare recipients paid by public funds

highly developed infrastructure, no waiting lists

problems: aging society, innovations, costs

Total providers: 325,945 physicians, 67,157 dentists, 58,932 pharmacists

Health Care Expenditure 278.3 Billion Euro by selected financing agents – in percent – 2009

Financing Healthcare in Germany

The Federal Joint Committee  is
– the main decision-making body in German health care
– authorized by law to issue legally binding directives
– established in 2004, but predecessor committees dating back to the 1920s,
– represents physicians, hospitals, sickness funds and patients

Structure of the G-BA

Gemeinsame Bundesausschuss

Gemeinsame Bundesausschuss

How the G-BA works

G-BA appraisal prorocess

The Institute for Quality and Efficiency in Healthcare

Institut für Qualität und Wirtschaftlichkeit im Gesundheitswesenis IQWiG

Duties and Functions
Evidence-based and independent reports on…

  • Cost-effectiveness of pharmaceuticals
  • Assessment of non-pharmaceutical technologies
  • Screening and prevention
  • Disease Management Programs
  • Health Care Information for Patients

Health Care Relations in Germany

Health relationships in Germany

Health Inequalities: Health status and behaviour

the relation between health and social status is well documented in the literature. Germany is no exception

  • Individuals with higher incomes have lower risk of
    • obesity
    • cardiovascular disease
    • diabetes
    • smoking
  • Income, education and retirement status are important factors that cause health inequality in Germany

Health policies in Germany include a compulsory health insurance system. Individuals must have public or private insurance

Aim: equal and equitable access to curative and preventive health care

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3 Comments

  1. Mark Pownall says:

    Would be interested to know more about the transaction/admin costs of German insurance system by competitive organisations vs general taxation funded system. My prejudice is that it costs more to administer an insurance system.

  2. Martin Rathfelder says:

    The German Krankencasse are nothing like UK or US insurance companies, as I understand it. More like traditional friendly societies. and not a million miles away from Clinical Commissioning Groups.

  3. Jean Smith says:

    I have just read that the Germans are not happy with the US/EU trade agreement because it threatens this model, and seems likely to enable the replacement of it with the US model.

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