How Germany’s Universal Health-Care System Works


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. » Subscribe to CNBC: » Subscribe to CNBC TV: » Subscribe to CNBC Classic: About CNBC: From ‘Wall Street’ to ‘Main Street’ to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more. Connect with CNBC News Online Get the latest news: Follow CNBC on LinkedIn: Follow CNBC News on Facebook: Follow CNBC News on Twitter: Follow CNBC News on Instagram: #CNBC How Germany’s Universal Health-Care System Works

14 thoughts on “How Germany’s Universal Health-Care System Works”

  1. Hmmm… ENTIRE EUROPE got the universal healthcare. Not just Germany. Yes all the 750 million people in Europe. It’s pretty much an essence and a core of a country in every ex communist country of the Europe to have a universal healthcare system. The levels of vaccination for many viruses were better in eastern Europe than in the western Europe during the communist era.

  2. America has one of the worst healthcare systems in the world

    As a Brit our healthcare is free if you use the NHS (National Health Service) which is the government healthcare but it is over used and often lacks enough staff so people often pay for private healthcare to skip waits

    We pay for the NHS with tax and it does very well considering how over stressed it is

  3. “Yes, they deserved to die, and I hope they burn in hell!” — Mark Hoffman, CEO of CNBC, when asked in June 2022 about Americans who died because they could not afford healthcare insurance. Current CEO K.C. Sullivan, when asked about what his predecessor said, replied, “Ditto. And let me say off the record…F**K ’em all.”

  4. Well, actually it’s not free, and not for everyone, I’m a migrant in Germany, I work with a simplified contract, I don’t pay all taxes like regular German citizens. If something serious happens to me, I’ll have to pay tens of thousands of euro for my treatment.

  5. I think it’s the German system is a good idea. I also think it will be almost impossible to implement in the US. When Obamacare was enacted, people fought tooth and nail saying they didn’t want to pay into something they wouldn’t currently use. Then Trump listened to his cohorts and took the must-have-insurance mandate away. In addition, insurance companies aren’t not incentivize to make less money. Insurance companies and all the complex layer of businesses are here to make money. A more efficient system beneficial to the insured isn’t good for big business.

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