ZDRAVSTVENO

Zdravstveno osiguranje – Krankenkasse

Zdravstveno osiguranje – Krankenkasse

Ako mislite da ste zdravi i da vam ne treba zdravstveno osiguranje dok još niste pronašli posao, odluka je na vama da li ćete se zdravstveno osigurati. U Njemačkoj svatko plaća zdravstveno osiguranje , radio ili ne radio.

Oni koji ne rade ( i nikada nisu radili) plaćaju 155€ mjesečno za osiguranje, dok oni koji rade imaju to regulirano preko poslodavca iz bruto mase svoje plaće.

U Njemačkoj postoje dvije vrste osiguranja, obavezno GKV i privatno PKV

Privatno osiguranje  (PKV – Private Krankenversicherung ) se najviše isplati mladim osobama bez djece, jer su premije manje. Ali kako se još uvijek s godinama sve više stari, tako su i kod privatnih osiguranja premije  s godinama više. U pravilu ako ste bolesni, i odete k liječniku, sve troškove snosite vi sami , plaćate ih na licu mjesta, uzmete račun i dostavite ga svom privatnom osiguranju, a onda vam se ta sredstva vraćaju na vaš račun.

Obavezno osiguranje (GKV –  gesetzliche Krankenversicherung) je obavezno  zdravstveno osiguranje, a za koje će vas vjerojatno vaš poslodavac prvo osigurati. Kod ovog osiguranja visina vaših primanja  utvrđuje doprinose koje ćete plaćati za osiguranje. Tko manje zarađuje , taj manje plaća i obrnuto.

Ako ste tek započeli sa radom, poslodavac će za vas obaviti sve što je potrebno za zdravstveno osiguranje, od vaše bruto plaće nekih 15 % ide na zdravstveno osiguranje.

Dok ste u radnom odnosu, pola zdravstvenog osiguranja plaća poslodavac, a pola vi iz te bruto plaće.

Posjet liječniku

Kod većine usluga koje pokriva zavod za zdravstveno osiguranje, morate participirati sa 10% (najmanje 5 € a najviše 10 €). U slučaju liječenja u bolnici vaša participacija je 10 € po danu, do maksimalno 28 dana u godini.

Prilikom posjete liječniku u  svakom tromjesečju plaća se ordinacijska pristojba u iznosu od 10 €. Ako ste dobili uputnicu od liječnika a vaš je termin dogovoren u istom tromjesečju, onda kod liječnika specijaliste ne plaćate pristojbu.

I u Njemačkoj možete birati svog liječnika, i s istekom tromjesečja možete ga i promijeniti.

Ako trebate dobiti lijek za svoju bolest, trebati ćete sudjelovati u cijeni lijeka u iznosu od 5€ do  10€, no kao i svagdje drugdje postoje lijekovi za koje se ne mora plaćati participacija, informirajte se prilikom dolaska liječniku.

Neke lijekove zdravstveno ne prihvaća, i za te lijekove liječnik vam napiše privatni recept (Privatrezept). Ti lijekovi se naplaćuju direktno iz vašeg džepa.

Lijekovi koji se ne izdaju na recept prodaju se u ljekarnama po različitim cijenama, pa je dobro uspoređivati cijene tih lijekova.

Hitna služba  poziv 112

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