German health system

Find your way around the health system

When you start your studies, the health insurance situation changes for many students. Either you remain in the family insurance of your parents or you have to insure yourself if you exceed an income limit in your job.

The health systems of different countries can be divided into three categories:

State health systems:

The health system is organised by the state and financed through tax money (example: Great Britain and Sweden).

Social insurance systems:

The health system is financed by social insurances/health insurance funds and companies and employees pay into these insurances. There are state and private health insurance funds (example: Germany).

Market-based systems:

The health system is controlled by private actors in the form of private insurance companies or citizens pay for their own medical treatment (example: USA).