South Africans in Germany

Facebook Instagram X-twitter Facebook Threads
Home » Life in Germany » Health

Health

Our health pages at a glance

Ask a SA Pharmacist in DE

A qualified pharmacist offered to assist in trying to answer questions regarding substitute suggestions for South African pharmaceutical products.Very important –  always refer to your doctor or pharmacist before taking medicationThe Admin team of this website are not medical professionals and

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.

Having a baby in Germany

Thinking of starting or expanding your family in Germany? Luckily the standard of German healthcare is very high and Germany has great maternity and paternity benefits, but there are some differences between having a baby in Germany v.s giving birth in

Health product substitutes

We are not medical professionals and cannot give any medical advice.   We do however have contact with a qualified Pharmacist who offered to answer questions you might have about substitutes for South African health products. We cannot give any information about

Maternity Terminology

We created a searchable table to help you look up the German words you might need during and after your pregnancy.

Medical

Health Insurance in Germany: A Guide for South Africans In Germany, everyone must have health insurance. This means when you move to Germany, this is one the first things you need to sort our When you earn less than the Versicherungspflichtgrenze, you

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 important to find or set up your support structures as soon as possible.Try to keep in

Neurodiversity

Embracing Neurodiversity: A New Perspective on the Human Mind In recent years, the concept of neurodiversity has gained significant attention and acceptance, reshaping our understanding of the human mind. Rooted in the idea that neurological differences are a natural and valuable

Sauna etiquette in Germany

When visiting a sauna in Germany, there are certain cultural norms and etiquette that should be observed. It’s important to note that unlike many other countries, saunas in Germany are typically unisex and require guests to be completely nude. This may seem shocking or uncomfortable to some, but it’s important to respect the local customs and traditions. Many Germans view the sauna as a place of relaxation and rejuvenation for the mind and body.

Visiting a doctor

Navigating Healthcare in Germany Visiting a doctor in Germany can feel overwhelming at first, but understanding how the system works will help you feel confident and prepared. When I first arrived in Germany, I was fortunate to travel back to South

Visiting a Doctor – Phrases

here are some basic phrases and terms to help you on your next general doctor’s visit.  Making an appointment A typical conversation to make an appointment will be as follows: Hallo, my name is Mrs xxx, and I would like to

Women’s Health

Contraception Contraception is a vital aspect of reproductive healthcare, and it is readily available at pharmacies. However, to obtain birth control pills, IUDs, and diaphragms, you will need a prescription from your trusted gynaecologist. It’s always best to consult with a

Embracing Neurodiversity: A New Perspective on the Human Mind

In recent years, the concept of neurodiversity has gained significant attention and acceptance, reshaping our understanding of the human mind. Rooted in the idea that neurological differences are a natural and valuable part of human diversity, neurodiversity challenges the traditional views that pathologize certain neurological conditions. This post explores the essence of neurodiversity, its implications, and how embracing this perspective can create a more inclusive and compassionate society.

Understanding Neurodiversity

Neurodiversity is a term coined in the late 1990s by sociologist Judy Singer. It encompasses a broad range of neurological differences, including autism, ADHD, dyslexia, dyspraxia, and other developmental conditions. Instead of viewing these conditions as deficits or disorders, the neurodiversity paradigm sees them as variations in human functioning.

The neurodiversity movement advocates for recognizing and valuing these differences, much like we do with other forms of diversity, such as ethnicity, gender, and culture. This approach promotes the idea that neurological diversity is essential for the collective creativity, innovation, and problem-solving abilities of humanity.

Disclaimer

The information provided on this website is for informational purposes only and is not intended as medical advice. I am not a medical professional, and the content shared here should not be used to diagnose, treat, or cure any medical condition. Always seek the advice of a qualified healthcare provider with any questions you may have regarding a medical condition or treatment. Your reliance on any information provided by this website is solely at your own risk.

Most common conditions

These are just a handful of examples of the conditions that fall under the umbrella of neurodiversity.

Autism

A complex developmental condition involving persistent challenges with social communication, restricted interests, and repetitive behavior

Autism

Find out More

ADHD

Symptoms of ADHD include inattention (not being able to keep focus), hyperactivity (excess movement that is not fitting to the setting) and impulsivity (hasty acts that occur in the moment without thought).

ADHD

Find out More

dyslexia

When a person demonstrates significant impairment in one or more of the reading subskills including word reading accuracy, reading rate or fluency, and/or reading comprehension.

dyslexia

Find out more

dyspraxia

Difficulty in performing coordinated movements

dyspraxia

Find out more

The Benefits of Neurodiversity

  1. Innovation and Creativity: Diverse ways of thinking can lead to novel solutions and creative ideas. Many individuals with neurological differences possess unique strengths, such as exceptional attention to detail, pattern recognition, and innovative thinking.

  2. Inclusive Society: Embracing neurodiversity fosters a more inclusive society where all individuals feel valued and understood. This inclusivity can lead to more supportive environments in schools, workplaces, and communities.

  3. Enhanced Problem-Solving: Teams that include neurodiverse individuals can benefit from a wider range of perspectives, leading to more comprehensive and effective problem-solving strategies.

Challenges and Misconceptions

Despite the growing acceptance of neurodiversity, there are still challenges and misconceptions that need to be addressed:

  1. Stigma and Stereotypes: Many people with neurological differences still face stigma and stereotypes that can limit their opportunities and affect their self-esteem.

  2. Access to Support: Adequate support and accommodations are crucial for neurodiverse individuals to thrive. This includes accessible education, workplace adjustments, and mental health resources.

  3. Balancing Needs: While celebrating strengths is important, it’s equally essential to acknowledge and address the challenges that some neurodiverse individuals may face, ensuring they receive the necessary support.

Practical Steps to Embrace Neurodiversity

  1. Education and Awareness: Increasing awareness and understanding of neurodiversity through education can help dispel myths and reduce stigma. This can be achieved through training programs, workshops, and inclusive policies.

  2. Inclusive Practices: Implementing inclusive practices in schools and workplaces can create environments where neurodiverse individuals feel valued and supported. This might include flexible learning and working conditions, sensory-friendly spaces, and individualized support plans.

  3. Advocacy and Representation: Supporting neurodiverse advocacy groups and ensuring representation in media and decision-making processes can amplify the voices of neurodiverse individuals and promote systemic change.

Conclusion

Embracing neurodiversity requires a shift in perspective, from viewing neurological differences as deficits to recognizing them as valuable variations in human experience. By fostering a culture of acceptance and inclusion, we can unlock the potential of neurodiverse individuals and create a richer, more innovative, and compassionate society. As we continue to learn and grow, let us celebrate the unique minds that contribute to the tapestry of human diversity.

Health Insurance in Germany: A Guide for South Africans

In Germany, everyone must have health insurance. This means when you move to Germany, this is one the first things you need to sort our

When you earn less than the Versicherungspflichtgrenze, you will most likely need to take out Public Health insurance. When you earn over that amount (€69.300 per year from 2024) you can choose between public health insurance (gesetzliche Krankenversicherung, GKV) and private health insurance (private Krankenversicherung, PKV). The right choice depends on your income, employment status, and personal circumstances.

It is essential to thoroughly review and understand the details of your health insurance plan, whether public (GKV) or private (PKV), to ensure you know exactly what is covered. Each plan has its own set of benefits, exclusions, and limitations, which can vary widely depending on your provider and plan type. For example, while public insurance covers basic healthcare needs, it may not fully cover all dental treatments or certain specialized services, whereas private insurance may offer more comprehensive coverage but can come with higher premiums or additional out-of-pocket costs. Always verify the specifics of your plan, including coverage for services like dental care, specialist treatments, and hospital stays, to avoid unexpected expenses and ensure that you are fully protected.

Public Health Insurance (GKV)

Public health insurance is the most common option for residents in Germany. Your contributions are linked to your income.

Affordable premiums

Your contributions are based on your income (up to a certain limit), making it more affordable for those with lower incomes.
While the system is fair, the more you earn, the more you pay (up to a maximum threshold).

Comprehensive coverage

Public health insurance typically covers most basic medical treatments, hospital visits, and prescription medications. Basic dental coverage is generally included.

Family coverage

If your spouse and children do not have their own income or are low earners, they can be included in your insurance at no additional cost. 

Network of doctors and hospitals

 Most doctors and medical facilities in Germany accept public health insurance, giving you broad access to healthcare.

Longer waiting times

Public health insurance may come with longer waiting times for non-urgent treatments.

Limited choice of treatments

Some treatments or services may not be covered, or you may have to pay extra for more luxurious treatments or private rooms in hospitals.

Private Health Insurance (PKV)

Private health insurance offers a more tailored approach to healthcare. Instead of contributions being based on income, private insurance premiums depend on your age, health, and the level of coverage you choose.

Faster access to treatment

In many cases, private insurance offers shorter waiting times for appointments and treatments.

Enhanced coverage

You can choose additional benefits, such as private hospital rooms, more specialists, or alternative treatments.

Flexibility

You can choose from a range of plans that suit your needs, allowing for a more personalized healthcare experience.

Potential savings for younger, healthy individuals

If you’re young and healthy, private insurance can sometimes be more affordable than public insurance.

Higher premiums

Private health insurance can be more expensive, especially as you age or if you have pre-existing health conditions.

Family coverage costs extra

Unlike public insurance, private insurance does not offer free family coverage for low-income earners, meaning you must pay additional premiums for each family member.

Premiums can increase with age

While the premiums are often lower when you’re younger, they tend to increase as you get older, which can make it expensive in the long run.

Limited coverage if you leave

If you decide to leave private insurance or return to public insurance, it can be difficult to re-enter, especially if you are over 55.

Good to know

01

Switching from private to public insurance can be challenging while transitioning from public to private insurance is relatively straightforward.

02

Public insurance contributions are based on your salary, while private insurance premiums are determined by your risk profile, which includes factors like age and health. As you age, private insurance premiums tend to increase.

03

With private insurance, you usually pay upfront for medical expenses and then claim reimbursement. In contrast, with public insurance, your claims are automatically submitted and paid directly by the insurance provider.

04

Private health insurance is only available to certain groups, such as civil servants, self-employed individuals, students, and employees whose salary exceeds the annual income threshold (Beitragsbemessungsgrenze). In 2024, this threshold is €69.300 gross per year.

05

Many people with GKV choose to purchase supplementary dental insurance to cover the extra costs for things like higher-quality materials (e.g., ceramic crowns) or more extensive treatments like orthodontics.

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 or Temporary Health Cover

Tourist needs travel and medical insurance before they can apply for their visas.
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, the following 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.

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!

Chad Joubert – Wealth Advisor

DIE GUTE WAHL – THE GOOD CHOICE – Agency for Allfinanz Deutsche Vermögensberatung. We are here for you, we provide you with professional support in your planning for the future: With the right concept, you are fully protected and build your wealth step by step. Ask for an individual (no fee) consultation. We advise you competently and reliably, via online meetings. Click the link to get access to our Bookings page: Financial advice as comprehensive

Related content

Visiting a doctor

Navigating Healthcare in Germany Visiting a doctor in Germany can feel overwhelming at first, but understanding how the system works will help you feel confident

Sauna etiquette in Germany

When visiting a sauna in Germany, there are certain cultural norms and etiquette that should be observed. It’s important to note that unlike many other countries, saunas in Germany are typically unisex and require guests to be completely nude. This may seem shocking or uncomfortable to some, but it’s important to respect the local customs and traditions. Many Germans view the sauna as a place of relaxation and rejuvenation for the mind and body.

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.