Health insurance system in Germany | Which health insurance is best | Health insurance Germany

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Germany's health insurance system is one of the most robust and comprehensive in the world, based on a dual public and private model. Most residents are covered by statutory health insurance (Gesetzliche Krankenversicherung or GKV), which is funded through income-based contributions shared by employers and employees. This public system covers essential medical services, hospital stays, and prescription medications.
In addition to GKV, there is also private health insurance (Private Krankenversicherung or PKV), available primarily to higher-income earners, the self-employed, and civil servants. PKV offers more personalized services and coverage options.
The system ensures universal healthcare access, and every resident is required to have health insurance, with the government providing subsidies for those in need. This dual structure allows flexibility, while maintaining strong regulation to ensure high-quality care for everyone.

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