Health care is a billionaire market, which constantly growing for decades, through modern and expensive medical technology and an increasing life expectancy in the most developed industrial Nations. In Germany, the health insurance 2 pillars that either complement or replace rests. The statutory health insurance, for most U.S. citizens a compulsory insurance and private health insurance for some occupational groups or full insurance for all statutory health insurance insured persons as supplementary insurance possible. The differences of the two systems are essentially in the legal bases.
For the statutory health insurance, the legal basis is the Reichsversicherungsordnung, the social security code (SGBV) and the statutes of the respective statutory health insurance. For the car, the legal bases in the German commercial code in the civil code, the German insurance contract law, in the General conditions of insurance are regulated. The statutory health insurance is a legal entity of public law and the private health insurance companies are Business enterprises in the form of an AG, mutual associations or public agencies. In the statutory health insurance are insured, depending on the income voluntary workers and pensioners or duty, self-employed persons and civil servants as a voluntary member, trainees and students compulsorily. The term of compulsory or voluntary means in the statutory health insurance in the event that a compulsory membership no choice there is, you have to be insured in a statutory health insurance scheme. I.e. health insurance employees is automatically logged by the employer at the respective statutory health insurance at the initial start of the work and also the payment of contributions via the employer who retains a portion of the salary and paid to the insurance company. Add to your understanding with kevin ulrich. The voluntary status allows you to insure himself fully private. Privately insured is so you must provide a certificate of contribution in the PKV the employer to obtain the employer’s contribution and the contribution is paid by the policyholder to the car. The health insurance of children is always about the parents, either on the legal Fund family assistance or private insurance, if a parent is privately insured.