正文翻译
What are the advantages of having a private health insurance in Germany vs a public health insurance?
在德国相比公共健康保险，拥有私人健康保险与的优势是什么?
评论翻译
Stephan Landers
I know that this is some paid entry to lure people towards some kind of service, but just a hint of warning:
Private health insurance in Germany is very good, with many advantages, but it comes with a catch. If you choose it (often at a young, healthy age when it is cheap),Should you ever have a lower or missing income, you still have to stay with them, so your service level can sink below the public one and still cost more. You know that and you'll tell me to buzz off, but hear me out.
我知道这是一些付费入场券，目的是引诱人们接受某种服务，但这只是一个警告：
德国的私人医疗保险非常好，有很多优点，但也有问题。如果你选择它（通常是在年轻、健康的年龄，因为它很便宜），如果你的收入较低或没有，你仍然必须买私人医疗保险，这样你的服务水平可能会低于公共水平，而且成本仍然更高。你知道的，你会叫我不要说了，但听我说完。
Should you ever become old or chronically sick, the rates will rise (or you'll pay more up front) and if something like a, say, global pandemic were to strike, those rates, which are usually kept low through sharing company excess, can climb even higher. It's still cheaper than paying everything yourself, but you'll be a liability to your insurer and they will try to cut their losses.
While publicly insured service is regarded (and very often for real) second class, finances won't be discussed ever (except for dental). Your doctors or pharmacists directly talk to the insurer and get their money. With private insurance, you pay the doctor and you should not be surprised if you encounter random problems with insurance reimbursement every other month. Even if you resolve the issue, next month or the one after, it will happen again. Some time it's 10 Euros, sometime it’s 100.
如果你变老或患慢性病，利率会上升（或者你会提前支付更多），如果发生全球疫情这样的事情，这些利率通常通过分享公司的超额利润而保持在较低水平，但现在可能会进一步攀升。这仍然比自己支付所有费用便宜，但你将成为保险公司的责任，他们将努力减少损失。
虽然公共保险服务被视为(而且通常是真实的)二等，但财务问题永远不会被讨论(除了牙科)。你的医生或药剂师直接与保险公司交谈，得到他们的钱。有了私人保险，你要付钱给医生，如果你每隔一个月就遇到保险报销方面不同寻常的问题，你不应该感到惊讶。即使你解决了这个问题，下个月或下下个月，它还会再次发生。有时是10欧元，有时是100欧元。
There will be unexpected reductions, missing receipts, refusal to pay for medicine because you got the wrong vendor, notes of referral being dated wrong, you name it. Even if you need the same things every time. It takes time and willpower to fight against that and should you happen to be sick or a slightly disorganized type of person, you may not find enough strength to do that every time. Should it ever come to a lawsuit though, note that any competent lawyers in the field will usually work for the insurers and medical cases take years to complete.
If you have any kind of risk insurance (loss of income, accident etc.) expect them to come up with alleged contract violations from your side, incorrectly or insufficiently answered questions etc. on the day you need them, not when you sign the contract.
In the end, the laws keep them from outright robbing you and they have a reputation to keep up, so they'll be friendly and accurate and you'll get what’s yours if you persist; but should you be out of luck and e.g, fighting a depression, be old and alone or just unable to stay concentrated and read you will lose money.
会有意想不到的减少报销的情况，丢失收据，因为你找错了供应商而拒绝支付药费，转诊记录日期错误，你能想到的原因都有。即使你每次都需要同样的东西，但与之对抗需要时间和意志力，如果你碰巧生病了，或者你是一个有点混乱的人，你不一定每次都有足够的意志力去处理这类问题。但是，如果发生诉讼，就得注意，该领域的任何有能力的律师通常都会为保险公司工作，而医疗案件需要数年才能完成。
如果你有任何类型的风险保险（收入损失、事故等），希望他们在你需要它们钱的那天，而不是在你签署合同的时候，提出你方涉嫌违反合同、回答错误或没有充分回答问题等。
最终，法律阻止他们直接抢劫你，而且他们需要保持良好的声誉，于是他们会友好而准确的应对，所以如果你坚持，你会得到你应得的；但是，如果你运气不好，例如，与抑郁症作斗争，年老孤独，或者无法集中注意力，你是会赔钱的。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Deidre Graydon
They're are certainly many advantages to private health insurance. HOWEVER : One really crucial downside is that as you get older, the cost of private health insurance increases dramatically. Ten years ago I was paying 350. At the moment I'm paying 1000 euros a month. And once you're 55 you cannot switch back to the public insurance. What many people don't realise is that the attractive premiums when you're young and healthy increase every year. By the time you've retired, the premiums have increased exponentially.
How do the companies do that? Every five years or so, the private health insurance companies close the plan you're on, meaning it does not offer it to new customers (often younger people whose health care costs tend to be lower). Since health care costs increase as you get older, the companies can use this as a reason to increase your premiums.
对于私人健康保险来说，它们当然有很多好处。然而：一个非常关键的不利因素是，随着年龄的增长，私人健康保险的成本急剧增加。十年前我付350欧元。目前我每月支付1000欧元。一旦你到了55岁了，你就不能再转向公共保险了。许多人没有意识到的是，当你年轻健康时，诱人的保费每年都在增加。到你退休的时候，保费已经呈指数增长。
这些公司是如何做到这一点的？每隔五年左右，私人健康保险公司就会关闭你的计划，这意味着它不在对你开放，而是会提供给新客户（通常是年轻人，他们的医疗保健成本往往较低）。由于医疗费用会随着年龄的增长而增加，保险公司可以以此为理由提高你的保费。
There is no limit as to how far they can go as long as they can argue that they're paying out more. Inevitably, your premiums will continue to go up.. Many people who signed up for private health insurance when they were young say that after they've retired, it's really really hard to pay the premiums from their pension. And many have preexisting conditions that makes it impossible for them to enter any other plan. At the moment my premiums take almost half my pension. Civil servants get some financial help for their insurance when they retire,, but no one else does.
Even though the health care is definitively better, you'd be better off getting public insurance and maybe buying additional coverage..
只要他们能辩称自己付出了更多，他们的保费涨多高是没有限制的。你的保费会继续上涨。许多年轻时买了私人医疗保险的人说，退休后，他们很难凭借养老金去支付保险费。而且许多人有既存状况，这使得他们不可能加入任何其他计划。目前我的保险费几乎占了我退休金的一半。公务员退休后可以得到一些保险方面的经济帮助，但其他人是没有的。
尽管医疗保健确实更好，但你更好购买公共保险，也许还可以加点额外的保险。
Yonca Tarak
In Germany, there are two main types of health insurance: public health insurance (Gesetzliche Krankenversicherung or GKV) and private health insurance (Private Krankenversicherung or PKV). Both options have their advantages and disadvantages, and the choice between them will depend on your individual circumstances and needs.
Advantages of private health insurance in Germany include:
在德国，有两种主要类型的健康保险：公共健康保险（Gesetzliche Krankenversicherung或GKV）和私人健康保险（private Krankenversicherung或PKV）。这两种选择都有其优点和缺点，两者之间的选择将取决于您的个人情况和需求。
德国私人健康保险的优势包括：
More flexibility: Private health insurance in Germany offers more flexibility in terms of choosing your doctor, hospital, and medical treatments.
More comprehensive coverage: Private health insurance in Germany typically provides more comprehensive coverage than public health insurance, including dental and vision care.
Shorter wait times: Private health insurance can often provide shorter wait times for medical appointments and procedures.
Higher quality of care: Private health insurance in Germany often offers a higher quality of care, with access to advanced treatments and facilities.
Tailored coverage: Private health insurance allows you to customize your coverage to meet your specific needs, which can be particularly beneficial if you have pre-existing conditions or require specialized medical care.
更具灵活性：德国的私人医疗保险在选择医生、医院和医疗方面提供了更大的灵活性。
更全面的保险范围：德国的私人健康保险通常比公共健康保险提供更全面的覆盖范围，包括牙科和视力护理。
更短的等待时间：私人医疗保险通常可以提供更短的医疗预约和流程等待时间。
更高的护理质量：德国的私人医疗保险通常提供更高质量的护理，可以获得先进的治疗和设施。
量身定制的保险范围：私人健康保险允许您定制您的保险范围，以满足您的特定需求，如果您有预先存在的疾病或需要专业医疗护理，这将特别有益。
原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处
Advantages of public health insurance in Germany include:
Lower costs: Public health insurance in Germany is generally less expensive than private health insurance, particularly for younger and healthier individuals.
Automatic coverage: Everyone in Germany is required to have health insurance, and if you are employed, you will automatically be enrolled in public health insurance. Private health insurance, on the other hand, requires an application process and may not be available to everyone.
Equal access: Public health insurance in Germany provides equal access to medical care for everyone, regardless of income or health status.
Family coverage: Public health insurance often provides family coverage at no additional cost, which can be particularly beneficial for families with children.
Ultimately, the choice between public and private health insurance in Germany will depend on your individual needs and circumstances, as well as your budget and preferences. It's important to do your research and compare different options before making a decision.
德国公共医疗保险的优势包括：
成本更低：德国的公共医疗保险通常比私人医疗保险便宜，尤其是对年轻健康的人来说。
必买的保险：德国的每个人都必须有健康保险，如果你有工作，你将自动参加公共健康保险。另一方面，私人健康保险需要一个申请流程，可能不是每个人都能获得。
平等机会：无论收入或健康状况如何，德国的公共医疗保险为每个人提供平等的医疗服务。
家庭保险：公共健康保险通常免费提供家庭保险，这对有孩子的家庭尤其有利。
最终，在德国，公共和私人医疗保险之间的选择将取决于您的个人需求和情况，以及您的预算和偏好。在做出决定之前，进行研究并比较不同的选择是很重要的。
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