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If you do not have statutory health insurance, your entitlement is derived from your private health insurance contract. Contact your private healthcare insurer directly in order to ascertain what range of benefits is covered by your insurance contract if you undergo treatment in another Member State or in one of the abovenamed states.
The information below relates to cases in which you have statutory health insurance in Germany and unexpectedly need to undergo medical treatment during a temporary stay in another EU country. It also applies to persons with chronic illnesses and to pregnant women. You will find more information for these groups under the appropriate heading.
Different cost reimbursement procedures are available should you need medical assistance during a temporary stay in another EU country:
These two methods differ in terms of the
In the first case, at a), your entitlements to treatment are derived directly from the European Regulations on the coordination of social security systems (Regulations (EC) 883/2004 and 987/2009). In the second case, at b), they are derived from section 13 subsections (4)-(6) of the Fifth Book of the German Social Code (Fünftes Buch Sozialgesetzbuch - SGB V). This is where the German legislature has transposed the stipulations contained in the European Patient Mobility Directive, Directive 2011/24/EU, into national law.
We would like to give you an overview for both methods and to point to the differences, as well as to the advantages and disadvantages. You should nonetheless always seek the advice of your healthcare insurer in person before deciding between the two methods.