essential terms explained in plain language.
115 terms
Electronic health card (eGK) — the chip card issued by your health insurance (Krankenkasse) that you must present at every doctor's visit. Contains your name, photo, and insurance data.
Statutory health insurance (GKV) — mandatory public health insurance covering ~90% of the German population. Contributions are income-based and split between employer and employee.
Health insurance contribution — monthly amount deducted from salary for statutory health insurance.
Health insurance — mandatory in Germany. Either statutory (GKV) or private (PKV).
Long-term care insurance — mandatory insurance covering costs of professional care in old age or disability.
Private health insurance (PKV) — optional private insurance for self-employed, civil servants, and high earners above the income threshold (~69,300 €/year). Usually offers broader coverage than GKV.