Living in Munich?
Healthcare in Munich
Prospective expatriates will be glad to hear that Munich has a number of good to excellent medical facilities. What is more important, access to affordable medical care in Germany is fairly easy. The country has a comprehensive national healthcare system.
The majority of the German population is covered by the public health insurance scheme, while others who have high incomes or are self-employed opt for a private insurance provider. Since having medical insurance has become a legal obligation, the number of people without a health insurance plan is rather low.
Germany’s Public Healthcare System
If you work as an expat employee in Munich and earn up to 56,250 EUR in gross annual income (as of 2016), you and your dependent family members will automatically become part of the public healthcare system. Insurance contributions do not depend on your age or any pre-existing conditions, but on your income. As of 2016, they amount to 14.6% of your gross income, half of which is paid by your employer. The rest is deducted directly from your monthly salary and transferred to the insurance provider.
Kassenpatienten (patients covered by the public healthcare system) also have to make co-payments on some medical services. For prescription medication, they have to pay 10% out of their pocket, usually between 5 EUR and 10 EUR. As of 2010, every day in hospital costs them another 10 EUR for up to 28 days in a year. They generally have longer waiting times, and some healthcare services are excluded from reimbursement, like glasses for adults or many forms of dental care. Therefore, some Germans top up their public healthcare plan with a supplementary policy (Zusatzversicherung) from a private company.
Private Health Insurance in Germany
High-income employees, civil servants, and many self-employed people have private health insurance. However, most of these groups can still choose to become members of the public healthcare system instead. When you opt for a private insurance plan, be aware that your contributions vary greatly, depending on gender, age, and pre-existing conditions. If you should be unable to join the public healthcare plan for some legal reason, every private company has to offer you a basic policy. In this case, you pay about the same as the comparative public healthcare plan would cost — and only get the same treatment, instead of the usual perks for private patients.
For more information on your health insurance options, check out our in-depth article on Health Insurance in Germany.
Medical Facilities in Munich
Hopefully, you’ll have a great time in Munich and stay in very good health. In case you do need medical assistance, however, there are some numbers it may be useful to know by heart, which we have listed below.
- 110 (police)
- 112 (fire fighters, ambulance, or police across the EU)
- 089 - 19 240 (poison hotline in Munich)
- 116 117 (nationwide number for medical non-emergencies outside of regular office hours)
The Munich portal also lists a variety of useful numbers depending on what medical situation you find yourself in, including dental emergencies and pediatric specialists. If you are suffering from acute or severe pain, don’t hesitate to go to the accident and emergency department (Notaufnahme) of the nearest hospital instead.
Munich’s largest hospitals are:
- Munich University Hospital (KUM)
- University Hospital Rechts der Isar
- Klinikum Dritter Orden
- Klinikum Bogenhausen
- Klinikum Harlaching
- Klinikum Neuperlach
- Klinikum Schwabing
- Diagnoseklinik München (focus on health checkups, preventative care, and cancer screenings)
Usually, you don’t go to hospital right away. You see your family doctor first, who might give you a referral to a specialist or a clinic, if necessary. Ask your new colleagues or neighbors which physician in the neighborhood they prefer, or contact your general consulate in Munich for a list of medical service providers who speak your mother tongue. Since Munich is a very international city, you have a decent chance of finding such a doctor.
If you want to learn more about doctors and dentists, hospitals and pharmacies, as well as various other health-related topics, then check out our Health & Insurance Section in the Extended Guide to Germany.
We do our best to keep this article up to date. However, we cannot guarantee that the information provided is always current or complete.