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HEALTH

7 things to know about visiting a doctor in Germany

Going to the doctor when you're living abroad is a necessary part of life, but it can feel a little daunting. Here are some cultural quirks to look out for in Germany.

A doctor's waiting room in Germany.
A doctor's waiting room in Germany. Photo: picture alliance / dpa | Daniel Karmann

Germany is known for having one of the best healthcare systems in the world. 

But there are some cultural differences that can take a bit of getting used to when you’re not from the country. 

Here’s a look at what you should keep in mind. 

You might have to pay at the doctor

People used to a healthcare system that’s free at the point of contact, such as the NHS in the UK, may be a little confused if they are asked to pay money at a doctor’s appointment. 

But the fact is that certain things will not be covered by your health insurance in Germany, and some optional extras could require that you have to dip into your wallet. 

For instance, many gynaecologists may offer to carry out an optional pelvic ultrasound check during a Pap smear test. If it’s not covered by your insurance, they will state in the appointment that it is an extra cost so you can decide if you want to pay for it or not. 

You should also ask if you have to pay for it upfront at the practice or if it will be sent out as a bill. 

Similarly, other specialists may also offer extra services that you could pay extra for. 

READ ALSO: ‘It works’: Your verdict on the German healthcare system

You’ll get different types of prescriptions

Another point to watch out for is that there are different kinds of prescriptions. A prescription (Rezept) given out on pink slips is usually given to people on statutory health insurance. People have to pay a reduced contribution – usually around €5-€10 – when picking up prescription medicine at the pharmacy. 

Patients with private insurance in Germany are more likely to be given a blue-coloured prescription slip. Private customers have to pay for their medicines in full before their insurance company reimburses them. You can also be given a blue slip if your public health insurance doesn’t cover the treatment.

Green slips include treatment that the doctor recommends. Meanwhile, yellow prescriptions are issued by the doctor for special controlled substances and are only valid for seven days. 

Polite waiting room etiquette

Germans may not be well known for being super friendly. But there are a few unexpected spots which are very welcoming. And one of those places is the doctor’s waiting room. 

Yes, it can be very surprising for foreigners when they are greeted with a little “Guten Morgen!” or “hallo!” in the waiting room when someone arrives. It’s customary for patients to give a polite hello and goodbye in the waiting room.

A person being vaccinated against Covid-19 in Hamburg in 2021.

A person being vaccinated against Covid-19 in Hamburg in 2021. Photo: picture alliance/dpa | Christian Charisius

… But you may face a stern receptionist or doctor

Ask a group of international residents about their experience of going to the doctor in Germany – or indeed other German-speaking countries – and you will likely hear about how the bedside manner is “different”.

This is because some doctors, and even receptionists, have a stern and direct approach when dealing with patients, which can be intimidating for newcomers to the country.

It can also be a little weird if you have to take some clothes off for an examination. You probably won’t be handed a gown, towel or even asked to undress behind a curtain. Everything is out in the open in Germany!  

Don’t worry though – none of this is personal. It’s just a different way of doing things. 

If you do come across a grumpy doctor, the best way to handle it is to either accept it or find a different doctor.

Be prepared to wait

Most Hausarzt (GP) practices in Germany operate on a drop-in basis during set times, known as Sprechstunden (consultation hours).

This means you can simply pop in during a two or three-hour window. During these times, it’s also first-come, first-served.

The advantage of this system is that it’s possible to see a doctor, for example, on a Wednesday morning without an appointment, as long as you have time to wait.

But if you are in a rush, or have a strict schedule, then the drop-in approach can be time-consuming. Depending on when you arrive, it could mean a short wait of several minutes or up to an hour.

The best advice is to arrive just as the doors open to secure a place near the top of the queue.

You can also book an appointment or Termin. But even if you book, you’ll probably still face a wait of at least 15 minutes. 

You are usually referred to a specialist

In Germany, if you are covered by public health insurance, you usually have to visit a GP to be referred to a specialist doctor.

There are exceptions in some cases, such as for gynaecologists and ophthalmologists where you can make an appointment without a referral.

If you have private insurance you can book appointments with specialists more easily.

READ ALSO: How to get a faster appointment with a specialist in Germany

Visit (or call) a GP for a sick note

If you’re sick from work then you have to get a sick note – Arbeitsunfähigkeitsbescheinigung or Krankschreibung – after three days of illness to give to your employer. Some bosses may require this sick note earlier, so check your contract or ask HR. 

Generally, you have to visit your doctor to get this document. But during the pandemic, people have been able to get a sick note over the phone from their GP for mild respiratory illnesses, including Covid-19. 

READ ALSO: The 10 rules you need to know if you fall ill in Germany 

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HEALTH

Does my German health insurance cover me if I get sick abroad?

If you’ll spend some time abroad this year, it may be worth checking if your German health insurance will cover you while travelling. Many German health insurance policies offer some coverage abroad, but not everywhere.

Does my German health insurance cover me if I get sick abroad?

If you’re planning to travel this summer, you may want to review your German health insurance policy before you leave. It’s wise to know what your insurance will and will not cover in case you or a family member get sick abroad.

As a reminder, health insurance is mandatory for all residents in Germany. So all legal residents here undoubtedly have at least the basic required coverage, provided by one of Germany’s public health insurance providers or a private health insurance plan that meets the minimum coverage requirements.

German insurance does cover medical emergencies in Europe

Statutory health insurance holders in Germany automatically receive a European Health Insurance Card (EHIC). In many cases your EHIC is the same as your regular health insurance card (Gesundheitskarte).

READ ALSO: EXPLAINED – Can you switch from private to public health insurance in Germany?

For those with an EHIC, necessary health care is covered in European countries. For example, if you get sick while travelling Europe, or have an accident or need urgent surgery, your German insurance will pay for the immediate emergency treatment you require.

Some health insurance plans may also extend their coverage to a few other countries beyond the EU, such as Switzerland, Iceland or French territories like French Guiana or Guadeloupe, just to name a few examples. 

But generally basic coverage does not extend to Africa, the Americas, Australia or Asia.

A full list of countries where you can use your EHIC is found here.

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

Note that this care does not necessarily extend to treatments that are not urgent. Once your condition is stabilised and it is safe for you to travel, you may be transferred back to Germany to finish any further treatments at home.

Generally doctors in other European countries should be able to bill EHIC providers directly, but if not, you’ll want to keep your bill and submit an invoice to your health insurance provider for a reimbursement. In this case, you should collect and keep all the documents you receive related to your care, like prescriptions and receipts.

Generally additional health insurance would be required for long-distance trips. If you are taking a business trip abroad, your employer is responsible for reimbursing health care costs.

Note that health costs can be considerably more expensive in other countries

A standard health insurance plan in Germany won’t cover medical expenses incurred in most countries outside of Europe, so you may want to purchase travel health insurance for trips beyond the continent.

Keep in mind that in some countries, like the United States, the cost of medical care tends to be significantly higher than it would be in Germany. So purchasing additional care insurance may be worth considering when travelling there.

Most major insurers in Germany, like Allianz and AXA, offer supplemental global health coverage that would pay for most of the costs which are un-refunded by your main insurance while travelling.

READ ALSO: Could it soon get harder to get private health insurance in Germany?

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