Hospital Treatment - Cost
Martina Feichter studied biology with an elective subject pharmacy in Innsbruck and also immersed herself in the world of medicinal plants. From there it was not far to other medical topics that still captivate her to this day. She trained as a journalist at the Axel Springer Academy in Hamburg and has been working for since 2007 - first as an editor and since 2012 as a freelance writer.
More about the experts All content is checked by medical journalists.
The health insurance covers the costs of medically necessary treatment in a clinic. The cost promise from the insurance company guarantees that the costs will be covered. The patient has to pay for interventions and treatments that are not medically necessary. This applies, for example, to cosmetic surgery as well as to possible complications that result from them.
When patients are admitted to a clinic for medically necessary treatment, they sign a treatment contract. It includes medical care by the doctors on duty as well as care, accommodation and meals in shared rooms as part of the general hospital services. This means all the necessary treatments that the hospital can provide with its equipment (Section 2 Hospital Remuneration Act - KHEntgG). This also includes early detection measures or special services from tumor centers that are carried out as part of the hospital stay.
Co-payment
Statutory insurance from the age of 18 must contribute ten euros per day to the costs of an inpatient stay - for a maximum of 28 days per calendar year (Section 39 SGB V, Section 39 SGB V).
Self-payers and patients with private health insurance are exempt from this additional payment - unless they have chosen a standard or basic rate. In the case of civil servants, the co-payment is deducted from the allowance.
Optional services
If desired, the patient can be accommodated in a single or twin room instead of a shared room. Treatment by leading hospital doctors (head doctor treatment) is also possible. In both cases, however, the patient must conclude a separate contract with the respective hospital. He or she bears the costs of these optional services himself or - if he has taken out appropriate insurance coverage as part of a private full or supplementary health insurance - his health insurance.
If you have private insurance, your insurance company will reimburse you for the costs. In the case of civil servants, the private insurance reimburses proportionally, the allowance after deduction of the personal contribution also proportionally.
The patient always has to pay for comfort services such as telephone, television, Internet connection or newspapers and magazines himself. For private patients, however, these services are often included.
Attending physician
Not all doctors who work in the hospital are employed there. The so-called attending physicians are resident or other physicians who have contractually agreed the occupancy of beds with the hospital operator. For example, a resident gynecologist working as an attending physician can continue to treat his patients during a hospital stay. The clinic provides the necessary facilities and resources (such as staff and equipment) and receives a usage fee from the attending doctor.
If a patient wishes to be cared for by an attending doctor, he must conclude a separate treatment contract with this doctor. The doctor guarantees, among other things, round-the-clock medical care.
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