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How Germany's Universal Health-Care System Works

Video Overview & Insights

Germany’s health-care system spends nearly half as much as the United States but still manages to cover 100% of its population through a mix of public and private insurance schemes. There are two different systems that residents can turn to for insurance in Germany: SHI, which stands for Statutory Health Insurance and PHI or Private Health Insurance. Here’s how they work.

This is uncivilised. !
America is primitive. !

— @gordonbradley3241

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The private insurance companies Germans buy a policy from are Non-profit organizations. Like how the United States had Blue Cross Blue Shield back in the 1950s and 60s. They were pretty much the only insurance company back then, but it didn't matter because they ran on a not-for-profit basis. It operated solely for the benefit of its policy holders and negotiated for its policy holders on reimbursements rates with doctors and hospitals. Now it is all for profit and some insurance companies such as drug coverage plans also own pharmacy chains like CVS caremark!! huge conflict of interest.

— @juztnlast953

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There is no such thing as free health care. There is only health care that you pay for yourself, and healthcare where you pay for yourself and everybody else. You are either paying for your own insurance, or losing a large portion of your salary to pay for everybody's else's insurance nationally.



Keep in mind that some people are fat, some smoke, some drink, some do drugs, and in general don't care about their bodies. Why would you want to pay for someone's else's bills? I never go to the doctor because I am fit, healthy, and take care of myself. As a result, my insurance is cheap and I don't have many medical bills. Someone who is obese with type 2 diabetes needs to go to the doctor frequently for their health problems and needs to buy insulin to survive. As it turns out, when you don't take care of your body, it has more problems. I don't want to pay for someone else's problems, because that isn't fair. People should pay their own bills and that's it. Socialism is evil.

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Just came from another video where they say german health care is broken, and here they say otherway. always it's greener on other side :)

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The way Americans perceive the European Healthcare system is that the public healthcare is to keep it cheap for consumers when it may be to keep the doctors in business. The way it works is probably we're idiots that buy the costco size bottle of Robitussin because we think it's more better. And we buy everything the doctor tells us to buy and then we get jealous when someone else get more Tussin than we do. "oh how much Robitussin he using. I gotta use more than him." But Europeans aren't stupid and would always barter with the doctor or reduce how much they use. Here it's public and unaffordible because the consumer keeps asking for more but in Europe it's public to keep the doctor in business because they ask for less.

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this is crazy

— @Tarik-h8q

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How Germany's Universal Health-Care System Works

In the United States it is called socialized or universal healthcare, whereas in much of the world —especially across the developed world— it is simply “healthcare.”

— @javierwa

More User Perspectives

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I’m planning to study in Germany and tried Globro briefly. It seems helpful, but I’m not sure about accuracy. Anybody tried it?

@Amusha-r5i
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Biggest difference: the german system cares, in the u.s. it's just a system

@wowbagger1975
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@DaoudiMohamed-f4v
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enjoy your capitalism further....

@BabkinIgor
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It's incredible that the US governement and insurance companies gaslighted an entire nation into thinking that a basic human right is somehow worse than paying 3000$ just for an ambulance ride

@mrduckman8381
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In 2017, German health care spending was a little under $6,000 USD per capita; overall, Germany spent about 11.2 % of its GDP on health care. “Comprehensive Digital Medicine (CDM)” (https://www.youtube.com/watch?v=oSnx4p81dUw ) that Leads to Health Promotion by Curing Diseases of Various Organs and Systems simultaneously, to near-zero disease levels, is the least cost solution for Healthy life for multitudes in any country, as it is based on the two fundamental principles “Prevention is better than cure” and “Nipping in the Bud Stage”.
Health-promotion of Humankind using CDM, has additional Potential to lead to rapid Economic-growth.

If countries like Germany spend even 20% of their annual health care cost, spending for a few years initially, for regular CDM schemes to cover their whole population, a few years later, their increased GDP, will itself be able to fund their regular CDM schemes, when their GDP is expected to increase above 5% per-annum from the present level of ~1%, (due to better health conditions of their workforce and increase in retirement age by about 20 years, of working humankind).

Any interested computer-literate person anywhere in the world, can learn and utilize (if required, taking guidance from experienced doctor of CDM system using software {like TeamViewer} for Remote operation of computers) this simple-to-use but sophisticated GDV (Gas Discharge Visualization) diagnostic device (an attachment to anybody's Computer) for generating the whole-body diagnostic chart and Comprehensive Digital medicine (CDM) for that or any other person.

@RealScience234
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I feel like of all the options the U.S. would ever be likely to take it. It's this one

@alexandervaldivia8232
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GERMANY NEVER HAD " A COMMUNITY ORGANIZER " THAT DESTROYED IT'S HEALTHCARE SYSTEM.

@keithmerscheim1924
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Germans have a culture of health. Walking, staying fit, and eating well. Many mothers fight off fast food being fed to kids. Here: We take our kids to fried food Chick-fil-A and McDonald's cause it's cheap and easy and convenient while we drive through.

@WomanWishYouWereA
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In American healthcare, if you're poor you get no healthcare for urgent matters, if you're rich you still get healthcare, but at a massive markup.

In European healthcare, if you're poor you get at least some healthcare, no matter how slow. But if you're rich and seeking more expedient private care, you can still save money, because private healthcare must now compete with government-run healthcare, driving their prices down.

Finally, I know some people think that the higher tax is moot for them, because they won't have to go to the hospital. But please understand that you have no idea when you'll be in an emergency. If you live in America, you won't be so critical of universal healthcare when you get a sudden case of cardiac arrest.

@nathanaeldean6301
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It’s just wrong, saying health insurance in Germany covers a 100%. The German health care system says, You Need to Pay all the time…but you Are not eligible to the services. It’s pretty hard to fall through the system, but once you do, you just pay, but are not eligible to Services.
I Fell through the system. It cost me 30.000 Euros with 10 years only being in the „Notfallversicherung“.
That means, paying fully, but being rejected by almost every doctor, because that insurance just covers emergengies and cancer appointments once a year. In real live, I was turned away for 10 years, but had to pay for it.

@jesskar
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Germany is amazing. I would have been dead out of my stubbornness. I am thankful for the life because they stick to the law.

I had sudden pain of my abdomen. I called the ambulance, they send me to hospital. I received many visits by different doctors and did different types of analysis. They decided that I have Appendicitis and I needed an urgent surgery otherwise could be fatal. => I objected, couldn't believe that I need from sudden pain an urgent surgery. And told the doctors, I will come back if It gets worse. => They refused and told me "you will not go anywhere, if we let you go is against the law"
=> Since my pain was aggravating more, I did not have other option but to have the surgery.

I am thankful. If I was in other countries, doctors could have let me go and appendicitis could have erupted and could have turned fatal. => Absolutely amazing and thankful to the doctors and system 🙏 🙏 🙏 😇 😇.

@stiljanmuca99
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Five years ago... nothing has been done.

@ayden1967
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Everyone wants low taxes until they get sick

@RIVvideos
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Healthcare in Germany sucks. I am paying 10 percent of my earnings for healthcare. And they are not able to identify common sickness or find remedies. I have to travel to another country to get healthcare.

@JohnKohlstorm
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America claiming to be democractic while not being democratic in the slightest by pushing for more inequality is wild.

@vermin5367
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German here: It's not perfect and there are a lot of problems, but it works and no one here is in debt due to medical issues and no one dies because they can't afford thier insulin!

@JayMalcomAnthony
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The USA needs to cut out the middleman (private insurers); return the bloated doctor & hospital fees and drug costs back to a normal level; gov’t to set predetermined fee schedule for medical procedures and drugs that gov’t will pay. If there is a will there is way, but many special interest groups handsomely profiting from the status quo in the USA.

@Mike-r1j5e
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In Canada, you just show your medical card. After you visit your family doctor or discharged from a hospital you just walk out. That’s it, no bickering with the medical staff or insurance companies over costs, deductibles, premiums, co-pays, whether covered or not covered. No complex paperwork or bills received in the mail later. Don’t have to look around for and compare complicated healthcare plans.

@Mike-r1j5e
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Yep that sounds about right.

@caryurban3762
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most private health insurance do not cover any diseases

@clement2780
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Pay in taxes. It's not free. Nice try.

@timwest78
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Seriously what do Americans (specifically conservatives) mean when they say
“Socialized medicine strips you of your freedom to choose”

I DON’t GIVE A DAMN who operate on me. Like do you not want a black man to operate on you?

What’s the deal?

@bernuollifurmuoli5330
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SHI Patient wants a appointment?
Dr. oh no we have no one for you
PHI Patient wants an appiontment
Dr. when will you come.....

that is in Germany a Major Problem you wait sometimes 3 or more month to get one

I have Cystic Fibriosis and i am Lung and Kidney transplant and they pay for everything. I belive 1 million or more at this time

@CornyCF
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The USA doesn’t have a healthcare system it has a mecare system and screw everyone else.

@VLC8792
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Mostly migrants using it I have heard

@thescarecrow2710
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In the USA, if something (anything) is seen as socially responsible… you know for a fact it’s closing ti be called “socialist” or “communist”. Every single American has to 1st state that “I’m a capitalist” first and foremost, just so that they don’t get called a socialist/communist.

@VoidDragon82
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🤠. Malaysia 🇲🇾 HEALTH CARE has government hospital !!!! 😱.

@AravinthanS.Manoharan
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YES, A 2020 CITIGROUP STUDY FOUND THAT RACIAL DISCRIMINATION AND INEQUALITY COST THE USA 16 TRILLION IN ECONOMIC OUTPUT OVER THE PREVIOUS 20 YEARS: 😠😡😠!

@banksjamesb
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Social health care works the same way as Netflix. It’s not communism! It’s crowdfunding!!!😂

@DemonaLlama
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Germans and most Europeans have healthier diets as well. They practice slow food, not fast food like in North America. When you travel to Europe, you feel life is slower; thats something that has to change in North America. Stress causes so many illnesses

@thepassionfruitdiariessuzi6978
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Im tired of Dems calling healthcare a "right"... Nobody has a "right" that requires the labor of someone else (ex: doctors, nurses, etc), so stating as much gives opponents unnecessary ammo against it.

That said, much like the military or police, society is better off with a government or non-profit-based option - If the free market can produce better, then great! So far, it hasnt.

Dems really just have a branding issue... Can you imagine if we needed insurance to protect us from a home intruder??? Obviously that's crazy.

@904Zambo
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Wish the United States could learn from other countries.

@Raven-si7bm
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no blacks

@juanshaftpatel7488
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Good luck either way that in the US…US has too many money driven interests in the current system to change it.

@jegl1012
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i generally like our public healthcare system, but the private insurance really doesn’t mean more choice to the general public, instead it means there are two classes, the lower, publicly insured class and the higher privately insured class

one has to sometimes wait years for, eg, therapy appointments while the other just buys their way in

@mai.loeckchen
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Healthcare system in Britain,Germany and Italy is better than USA

@MatsecondAcc
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Casey Flats

@JosephFinkbeiner-v1w
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In Scotland we are working towards European heallthcare models. But alas under the constraints from Westminster we are struggling.
#IndependenceIsNormal

@lorrainekerr8749
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This video provides a compelling comparison between the U.S. and German healthcare systems. It's eye-opening to see how Germany manages to cover 100% of its population while spending significantly less per capita than the U.S. The emphasis on mandatory insurance and the regulation of sickness funds ensures everyone has access to care. It's a model worth considering as we discuss healthcare reforms in the U.S. Great insights!

@healthtalk2023
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Fun fact America practically pays for europes militaries. Hence why they spend so much on healthcare

@TheArcadian_300
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0324 Weimann Loop

@FowlerHazel
@

Wava Lakes

@DeborahLewis-j2l