Krankenkasse, literally translated as “sickness fund” in English, refers to a public health insurance company in Germany. These entities are non-profit funds that operate independently of the government, providing health insurance coverage to the public.
What is “Krankenkasse”?
A Krankenkasse is an essential component of Germany’s healthcare system, offering statutory health insurance to the majority of the population. It covers a wide range of medical services, including visits to doctors, hospital treatment, and prescription medications. In Germany, having health insurance is mandatory, and Krankenkassen play a pivotal role in ensuring that residents have access to affordable healthcare services. There are over 100 Krankenkassen in Germany, each offering similar coverage and costs due to government regulations, but they may differ slightly in terms of additional benefits and services[1][3].
More information about “Krankenkasse”
While the core services provided by all Krankenkassen are regulated by law and thus very similar, some differences can be found in the additional contributions (Zusatzbeitrag) and extra services they offer, such as dental care, alternative medicine, and health prevention programs. Members have the freedom to choose their Krankenkasse and can switch to another if they wish, after a certain period. This flexibility allows individuals to select an insurance fund that best meets their needs and preferences[3][5].
Related to “Krankenkasse”
Here are some additional terms that are related to Krankenkasse:
- Gesetzliche KrankenversicherungThe "gesetzliche Krankenversicherung" translates to "statutory health insurance" in English. It is a fundamental part of Germany's healthcare system, providing... More (GKV): The statutory health insurance system in Germany, of which Krankenkassen are a part. It covers about 90% of the population[3].
- Private KrankenversicherungPrivate Krankenversicherung (PKV) translates to "private health insurance" in English. It is an alternative to the statutory or public health... More (PKV): Private health insurance in Germany, an alternative to the GKV for those who meet certain criteria, such as high-income earners or self-employed individuals[8].
- Zusatzbeitrag: An additional contribution rate that members of a Krankenkasse may be required to pay on top of the standard contribution. This rate varies between different Krankenkassen[3].
- KünstlersozialkasseThe Künstlersozialkasse (KSK) translates to "Artists' Social Insurance Fund" in English. It is a unique social security system for artists... More (KSK): A social insurance for artists and publicists in Germany, offering access to the statutory health, pension, and long-term care insurance at reduced rates[3].
In conclusion, Krankenkassen are a fundamental part of Germany’s healthcare system, providing comprehensive health insurance coverage to the majority of residents. Their role ensures that healthcare is accessible and affordable for everyone living in Germany.