As I understand it, the state only pays about 70% of most health bills. (assuming you are covered by the state scheme).
Also, the reimbursements are based on the state's opinion of what the service should cost, so if the service provider charges 3 times this, you may only get reimbursed 70% of a third of the cost. For example, the state reckons a dental crown should cost 74 Euros. The dentist charges you 350. The state reimburses 70% of 74 Euros, so you end up paying around 300 Euros. Or if you can't afford it, you lose the tooth.Many top specialists and surgeons charge 4 times the state rates, so you may end up waiting ages, or having to accept poorer care if you don't have money or insurance.Having said that, many long term life changing illnesses are covered 100%, and car insurance covers care after road accidents.
As has been said, and like all insurance, on average you gain by not having insurance. On average. If you are unlucky, you might really suffer through not having it. Or you might pay it all your life and never suffer a days ill health. Companies set premiums so that average claims are less than average premiums, the difference is their profit, and tax.
So, do you feel lucky? Well, do you?
Posted on: 08/07/2012 at 23:48