Originally Posted by
jiejie
That's the rub, then, you have to be a resident which means you're already covered under a basic national health scheme (govt = tax supported). The pittance extra fee of Euro 8 or 10 or whatever charged, in no way can represent the real cost of insuring the actual travelers--the math just flatly doesn't work. In effect, the real cost and risk is bundled into the basic national health care scheme, spread over all German residents whether they travel or not.
Thats wrong. The national insurance will not pay anything for health care outside the european union. Inside the european union they pay the same they would pay if you have a accident inside your home country, so if we went to a medical high price country inside the european union we need this additional insurance, too.
If you have a accident somewhere in the world the additional insurance will pay everything for the time you are abroad. If they organize a medical repatriation and will bring you back to germany, the standard german insurance will pay for your cure after you arrive back.
And the german standard insurance is not tax paid. Every employee pay a fee for it, about 8.2% of his salary. His employer will pay additional 7.3%.