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South Africans in Germany

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Health

When I first came to Germany, I was fortunate to still frequently travel back to SA, so I did all my check-ups there and tried to avoid going to a German doctor. But then I hurt my back and had to get medical attention.
I could speak German but could not really remember the exact terms and body parts, and it was extremely difficult to communicate. My advice is to not wait until there is an emergency before finding a doctor. Start by going for your regular checkups and take it from there.

I find German doctors very professional and competent yet very business-like.
They are also very direct and honest. They expect you to look after your body.
The doctor who treated my back injury told me that I needed to strengthen my body and almost scolded me for not taking care of myself, it was a very different experience from South Africa where you get a little bit more sympathy and walk out with a bunch of meds. This particular doctor (Orthopaedist) gave me an injection and the rest of the treatment was holistic.
Some also do not accept your medical history from South Africa and will do all the tests themselves before starting treatment. On the one hand, it is very frustrating but you can also be sure they do a thorough check-up.

Finding a doctor

Finding a doctor can be a challenge especially if you are looking for an English-speaking doctor. Your GP is called a Hausartz, you are free to choose your own doctor. To see a specialist (Facharzt) you will in most cases need a referral (Überweisung) from your GP.
The following websites can help in your search

 We have some medical professionals listed on our website. They are professionals with a South African background and speak at least one of the official languages

Alternatively, ask in local ex-pat communities for references

Electronic Prescriptions (E-Rezept)

Germany has implemented a new system for electronic prescriptions as part of their efforts to modernize their healthcare system. The electronic prescription system, also known as e-prescription, allows doctors to send prescriptions directly to pharmacies through a secure digital platform.

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Good to know

  • If you are on the public or Government “gesetzliche Krankenversicherung (GKV) ” health insurance, you must always take your medical card with you to your appointment. Your bills will be sent directly to the insurance.
  • If you are on GVK, make sure that your doctor is registered on the public healthcare system or Kassenärzte and that they accept GVK, some only accept private patients and you will have to pay out of your own pocket if you are on the public health insurance. 
  • If you are privately insured, you will receive a bill which you have to pay and claim back from your insurance.
  • Antibiotics are only used as a last resort, if you have a cold you might get some Aspirin and being told to get some bed rest.
  • German doctors do not have an issue with nakedness and you might be asked to strip down to the basics when you have a more thorough examination like an EKG.
  • Be prepared and write down what you want to say and translate it in German. It is very easy to give the wrong information when you do not know the medical terms, symptoms or body parts. See our related content for Terminology

Your bill

The codes on your bill should correspond to the ICD codes, which is a globally recognized system that is used to label medical diagnoses. You can search the codes here
Cancellation of appointments
If you cannot make your appointment, cancel as early as possible and make your new appointment right away. Confirm the cancellation by e-mail or in writing. If you do not cancel an appointment in time you can be charged for it, see § 615 BGB (Paragraph 615 of the Bürgerliches Gesetzbuch)

Pharmacies

  • Pain medication that is easy to buy in grocery stores in South Africa can in Germany only be bought at a Pharmacy.  The rules for what can be bought without a prescription (Rezept) are also more strict.
  • We have a “Ask a pharmacist” service where you can send questions to a South African pharmacist working in Germany.
  • To find an Emergency pharmacy,  you can search on Aponet Notdienstsuche or apothekensuche for all pharmacies.

Emergengies

For medical emergencies call the 112 number.  
You can call 19 242 to find an emergency doctor and 116 117 to find a doctor.
See a comprehensive list below. We also added some handy phrases

Emergency Contacts

The following numbers can be dialled in an emergency, either from a landline or mobile phone. 112The national emergency number. This can be used for

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Lexicon/Glossary

The Translation Clinic – Influenza Glossary

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Medical

Health insurance is mandatory for everyone visiting or living in Germany.When living in Germany you can either take our private (privaten Kran­ken­ver­si­che­rung – PKV) or

The following numbers can be dialled in an emergency, either from a landline or mobile phone.

112
The national emergency number. This can be used for any medical or fire/smoke/explosives emergency. It can also be dialled when someone is trapped or if you witnessed a suicide attempt

110
The national police force. Call this number in case of attempted theft or damage. An assault or risk to life

Instructions

  • Dial and wait to be connected to an operator. 
  • Clearly state the incident.
  • Indicate how many people require help and if any weapons or dangerous substances are involved
  • Indicate your location and explain how to reach you.
  • Answer all the questions asked and follow the operator’s advice.
  • Do not hang up until you are told to do so.
  • Try to keep your phone free after hanging up, as they may try to call back. See below for phrases

Heimwegtelefon

A service you can call at night if you feel uncomfortable on your way home. A volunteer will speak to you on the phone until you are safely home. They can dispatch emergency services if needed. It works throughout Germany and is a free service. You can use it on Sunday to Thursday from 21:00 until 24:00 and on Friday to Saturday from 22:00 until 02:00 the next morning  Save the number on your phone – 030 12074182

Other import numbers

NumberInformationWebsite
116 117Non-emergency medical (doctor on call)
19 240Toxic substance emergency
19 295Alcoholics Anonymous
0711 70 10 70Air rescue
0800 111 01 11Suicide hotline
0800 111 03 33Kids and youth hotline / Kinder und Jugendtelefon
0800 111 05 50Parental hotline / Elterntelefon
0180 331 94 11AIDS hotline
116 111Hotline for Children to use
030 12074182Heimwegtelefon
Speak to someone while walking home alone
116 016Helpline for violence against womenHilfetelefon

German emergency phrases

EnglishGerman
I need a doctor Ich brauche einen Arzt.
I need a hospital Ich brauche ein Krankenhaus.
Call an ambulance! Rufen Sie einen Krankenwagen!
There’s been an accident Es gab einen Unfall.
It’s an emergency Es ist ein Notfall
I am in danger Ich bin in Gefahr
I’m feeling sick Mir ist schlecht.
I’m in pain Ich habe Schmerzen.
Can you help meKönnen Sie mir helfen
Policedie Polizei
Fire servicedie Feuerwehr
Rescue service der Rettungsdienst
Ambulanceder Krankenwagen
Pharmacy die Apotheke
Hospital Das Krankenhaus
Medicine die Medizin
Poisoning Vergiftungen
Heart attack Herzinfarkt
Stroke Schlaganfall
Choking Würgend
Difficulty breathing Schwierigkeiten beim Atmen
WoundedVerletzt
Wounddie Wunde
Bleeding Blutung
Concussion Gehirnerschütterung
Diabetic Diabetiker
Give birth Gebären
UnconciousBewusstlos

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Mental health support

Moving can be such an exciting experience, but leaving your familiar surroundings and support networks behind can also be quite unnerving and stressful.It is very

Disaster preparedness

The Federal office of Civil protection suggests that you keep certain items in your house so that you can be prepared in a disaster situation.Such

Health insurance is mandatory for everyone visiting or living in Germany.
When living in Germany you can either take our private (privaten Kran­ken­ver­si­che­rung – PKV) or public (gesetzliche Kran­ken­ver­si­che­rung – GKV) health insurance. Your choice will depend on your age, salary and employment status.
To know:

  • It is extremely difficult to change from Private to Public insurance. The other way around is no issue
  • Contributions for public depends on your salary, contributions for private depends on your risk profile (age and health). Private insurance become more expensive the older you get
  • Private insurance – you pay expenses out of your pocket and claim them back
  • Public insurance – your claim is submitted and paid by the company
  • Only civil servants, the self-employed, students and employees whose salary exceeds the annual income limit (Versicherungspflichtgrenze) may take out private insurance. In 2023, this limit is € 66,600 gross per year. 
  • For employees, the employer pays half of the premium (14.6% / 2) plus a statuary additional contribution (1.3%/2) , but only up to the maximum rate of a statutory insured person (Beitragsbemessungsgrenze). In 2023 the limit is €59850 or €4987,5 per month. That calculates to a max contribution of  €384,58  per month

Resources on the web

  • An article from “How to Germany” about the different health insurance options
  • “Just Landed,” wrote an article about health insurance in Germany

Top up medical cover

You can top up your medical cover for example Dentist cover.
You can read more about it on the How To Germany Site. There is also a good article (German) from Focus about Zusatzversicherung

Tourist Health Cover (travel to Germany)

Tourist needs travel and medical insurance before they can apply for their Visa’s.
Some of the options are your medical aid or a company like TIC.
Please be aware of the requirements from the Embassy, not all credit card cover is accepted.
When you need cover for 6 to 12 months, you can look at Klemmer.

Cover for freelancers

At the time of writing, these two companies offer medical aid for freelancers in Germany. 
Except for publicists and people working in the arts, all freelancers and self-employed should be privately health insured.
For Expats coming over, you will not be allowed to go onto Vol Privat Krankenversicherung (full private health insurance) until you have been in Germany for 2 years and held other health insurance for that time (keep in mind you will not qualify for public health insurance). You need a expat/travel health insurance (private health insurance) for those 1st two years.It also needs to meet the requirements of the Embassy for the Visa and the Behörde (not all do).

Cover for students and Au Pairs

You will need medical insurance to cover the whole period that you are in Germany. Good options are Klemmer or Dr Walter

Comparative websites

The following websites offer a comparison of medical insurance. Please always read the fine print before signing up through comparative sites

Medical insurance companies

  • Krankenkassse  has a list of private and public health insurance companies.
  • PKV lists members of the Private Krankenversicherung (PKV)

Advisors listed on this site

 If you are in need of assistance with your health insurance application, here is a list of competent and reliable professionals who are equipped to provide you with top-notch support throughout the entire process. You can rest easy knowing that these individuals are well-versed in all aspects of healthcare and have ample experience helping clients navigate the often confusing world of German health insurance. Don’t hesitate to reach out to any of the exceptional individuals on our list- they are more than happy to help you apply for the healthcare coverage you need!

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Visiting a doctor

When I first came to Germany, I was fortunate to still frequently travel back to SA, so I did all my check-ups there and tried