Health insurance system in Germany

In Germany, there are two main types of health insurance:

- statutory health insurance (GKV); and

- private health insurance (PKV).

If you are under temporary protection (i.e. have obtained the residence permit under a simplified procedure for Ukrainians), you should obtain statutory health insurance (GKV).

You can apply for statutory health insurance (GKV) and receive basic medical services (consultation, examination, vaccination, etc.) at the arrival centre (Ankunftszentrum).

If you already have statutory health insurance (GKV) and you are planning to visit a doctor, you need to:

- have a referral or medical card; and

- make an appointment in advance.

A general practitioner (GP) will provide you with a free consultation.

If you need more specialized help, a general practitioner (GP) will refer you to a specialist.

For emergencies, you can call an ambulance via the number 112.

If a woman under temporary protection is pregnant, she has a right to receive free medical services, including:

- regular check-ups;

- preparation for childbirth;

- childbirth; and

- postpartum care.

A woman also receives a "Mother's Passport" (a maternity record booklet) from a doctor, which includes dates for individual check-ups.

For further consultations, contact the Federal Foundation at a pregnancy counselling service of the Federal Ministry of Family Affairs, Senior Citizens, Women, and Youth via the number 0800 40 40 020. 

The Federal Foundation "Mother and Child" supports pregnant women in need and provides financial assistance. The amount and duration of assistance depend on your circumstances as well as the total number of those who have applied for assistance due to difficult circumstances.

To apply, pregnant women shall:

- have domicile or habitual residence in Germany (women having a residence permit can also apply);

- have a maternity record booklet; and

- be in a personal and financial emergency.

You should submit an application for assistance to one of the pregnancy counselling services following this link.

A person who suffers from serious illnesses (HIV, diabetes, cancer, etc.) should first visit a general practitioner (GP). A general practitioner (GP) will then refer you to a specialist (diabetologist, oncologist, etc.), where you can get a consultation and the further treatment.

Statutory health insurance (GKV) covers most medical services for the treatment of serious illnesses (consultations, tests, insulin provision, chemotherapy) BUT it does not cover certain expenses (such as over-the-counter medications, immune system strengthening treatments, or additional medical procedures).

Complex surgeries are usually not free.

Important!

You need to consult directly with your doctor at each stage of treatment to find out information about the cost of specific services and special programs for Ukrainians.