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HEALTH

What to know about Germany’s new digital healthcare law

A law passed in the Bundestag is being hailed as a "quantum leap" in German healthcare and will allow for patients' records to be shared digitally and access to files via apps. Here are the key changes you need to know about.

E-receipt
A person puts their health insurance card in a card reader during a presentation of the new e-receipt in Berlin on Wednesday. Photo: picture alliance/dpa/Reuters/Pool | Annegret Hilse

Germany is known to lag behind when it comes to digitisation in the healthcare system with strict (and some would argue outdated) privacy legislation often hampering digital communication between departments.

Now there has been a real breakthrough for useful better care, with a law passed in the Bundestag on Thursday allowing for electronic prescriptions and digital files for important health data are set to become standard for millions of patients.

E-prescriptions will be mandatory in practices from the beginning of 2024, and from the beginning of 2025 everyone with statutory health insurance should receive e-patient files – unless they opt out.

Until now, important data has been distributed on servers in practices and hospitals where patients were treated in the past, which can cause problems and delays when they change practices or go to another provider.

German Health Minister Karl Lauterbach spoke of a “quantum leap” in digitisation in the healthcare system, adding that until now the treatment had been “suboptimal”.

Electronic Patient Records

Electronic patient records (ePA) will be a personal data storage that accompanies you throughout your life.

Medical data will be packaged together, which is intended to avoid drug interactions and multiple examinations. E-files were introduced as an optional offer in 2021, but so far only around one percent of the 74 million people with statutory health insurance have signed up for it.

The government’s new goal is to get 80 percent of people to have ePAs by 2025, and switching to the “opt-out” principle: according to the new law, the health insurance companies should provide information and automatically set up an e-file for everyone by January 15th, 2025 – unless you actively opt out.

READ ALSO: How German health insurance costs are set to rise from 2024

Healthcare apps

The e-file with certain identification rules should be accessible via apps of health insurers like Techniker Krankenkasse (TK) or AOK.

You should be able to decide for yourself what doctors can set and who can access what, as well as being given an overview of your medications, and lab results among other information. If you change health insurance, you should be able to take your data with you. The ministry explained that people without a smartphone could view their ePA in selected pharmacies.

Ombudsman offices of the health insurance companies are intended to support insured people who cannot manage the ePA via the app.

REDA ALSO: How Germany wants to roll out e-prescriptions and digital patient records

Health insurance cards Germany

The insurance cards of the health insurance companies DAK, AOK, Barmer and Techniker-Krankenkasse TK lie with euro notes under a stethoscope. Photo: picture alliance / dpa | Daniel Karmann

The Green MP Janosch Dahmen, a medical doctor who focuses on health issues, said that in the future not only practicing professionals would be able to see relevant information in one place, but patients themselves would be able to see their own medical records for the first time.

Doctors and health insurance companies however warned of pitfalls.

Sick notes for childcare by the phone

Following on from the introduction of phone-in sick notes for adults on December 7th, there’s been a new step forward in getting doctors’ notes for time off work remotely. 

Parents will be able to obtain medical certificates stating that they need to care for a sick child by telephone without visiting the practice from December 18th as part of legislation on the same day.

READ ALSO: How Germany could bring back telephone sick notes sooner than expected

According to the umbrella organisation for health insurers (GKV), certificates for the receipt of child sickness benefits should be able to be issued for a maximum of five days if the child is known to the doctor and they consider issuing it over the telephone to be justifiable.

“This will significantly reduce the burden on parents and doctors’ practices,” a GKV spokesperson said.

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HEALTH

How much more residents in Germany might have to pay for health insurance

People in Germany saw an increase in health insurance costs at the start of the year. It's now expected that they will be hiked up again next year.

How much more residents in Germany might have to pay for health insurance

Health insurance organisations are warning that costs will be hiked up again soon due to concerns over funding. 

Doris Pfeiffer, CEO of the National Association of Statutory Health Insurance Funds (GKV-Spitzenverband), told Germany’s Tagesschau that insurance funds are expecting a billion-euro deficit.

She said it was a tough year “because we don’t have particularly good prospects”.

For people paying statutory health insurance, things could become more expensive next year. Around 90 percent of people in Germany are covered by statutory health insurance.

The contribution rate is fixed by law and stands at 14.6 percent. The additional contribution that the health insurance funds set for their members was raised to 1.7 at the start of this year. 

The latest increase gave statutory insurance funds the ability to charge up to 1.7 percent on top of the standard 14.6 precent contrinution, though not all insurance funds chose to do so.

The costs are split between the employer and employee, so workers in Germany would pay half of any increase. 

READ ALSO: Reader question: How can I change my German health insurance provider?

How much could additional costs rise next year?

Due to the funding issues, health insurers expect an increase of up to 0.6 percentage points to the additional contribution threshold. What this would mean for the insured depends on a few variables such as their income and their insurer.

Someone earning €2,000 gross per month, for example, would have to pay €6 extra per month if their insurer opted to increase additional contributions by this amount. Meanwhile, a gross income of €4,000 would mean €12 extra per month. The employer’s share would be added to this. 

health insurance cards

Many health insurance cards in Germany double as a European Health Insurance Card (EHIC), meaning that they can be used across Europe. Photo: picture alliance/dpa | Jens Kalaene

“That may not sound like much at first glance,” said Pfeiffer. “But there are people who earn very little for whom this is a lot – supermarket cashiers, lorry drivers.”

It comes following a rise in fees at the start of the year. From the start of 2024, additional contributions for statutory health insurance rose by around 0.1 percent in Germany.

Why are costs increasing?

The German healthcare system is one of the most expensive in the world.

As German society ages more, costs continue to rise – and the Covid pandemic didn’t help matters. The National Association of Statutory Health Insurance Funds estimates that this year alone it will cost around €314 billion to provide care for everyone who is insured. 

The money is mainly spent on hospitalisation costs and medical treatment.

READ ALSO: Why long-term care insurance fees are likely to rise in Germany next year

Health Minister Karl Lauterbach (SPD) has so far not presented any concrete proposals on how he intends to relieve the burden on health insurance funds in future.

Instead, the system is likely to face further expenditure. Lauterbach’s hospital reform is expected to drive up costs, while proposals to pay GPs more in order to combat the shortage of doctors would also push up expenses. 

READ ALSO: German ministers greenlight plan to improve healthcare at GPs

Pfeiffer called for a plan to tackle the rising costs.

“We now finally need an approach that puts this healthcare system on a new footing,” she said.

In the coalition government’s initial agreement back in 2021, the parties vowed to support health insurance funds with more tax revenue.

But as difficult budget negotiations take place, it doesn’t look like this will happen. 

This is causing friction among the coalition made up of the Social Democrats (SPD), Greens and Free Democrats (FDP). 

Green budget politician Paula Piechotta, for instance, is unhappy about this.

The opposition CDU/CSU also taken the opportunity to swipe at the government.

“This is not acceptable,” said CDU health politician Sepp Müller. “The tense situation in the social security system cannot continue to be ignored.”

However, it should be noted that there was no plan to help provide more money to statutory health insurance under the previous Health Ministry headed by the CDU’s Jens Spahn. 

When the SPD’s Lauterbach took over in 2021, there was already a funding gap of billions of euros. 

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