In Germany, your statutory health insurance fund (Krankenkasse) pays for all interventions that are medically necessary, including outpatient treatment, hospital treatment, therapeutic interventions like physiotherapy, and healthcare products like breast prostheses. The costs of rehabilitation are usually covered by health or pension insurance funds (Rentenversicherung). The pension insurance fund is usually responsible, for example, if the aim of rehabilitation is to prevent people becoming unemployed due to disability. For the costs to be covered, a doctor’s prescription is always required. The clinic’s social services can also help you in matters concerning health insurance, and support you when you apply for rehabilitation or home help.
In Germany, as an employee with statutory health insurance, you get sickness benefit for a maximum of 78 weeks in three years if you are unable to work because of one illness. Within this period of time you are entitled to sickness benefit for 18 months at a stretch, or several times for shorter periods. You can apply to your health insurer for this kind of sickness benefit.
In Germany, if people with statutory health insurance have lived with cancer for a long time, their maximum additional payment is lower. They only have to pay a maximum of one per cent of their gross household income (instead of two per cent). Your health insurance fund can give you more information.
Some of the regulations on services and cost coverage differ for public servants (Beamte) and people with private health insurance. If this applies to you, it is a good idea to talk directly to your private health insurance company or benefits office (Beihilfestelle).
You can also apply for an ID card for severely disabled people (Schwerbehindertenausweis) at the pension and social security office (Versorgungsamt). If your health gets worse, you can apply to have your disability level increased (Grad der Behinderung, GdB). The ID card for severely disabled people allows you to get discounts and better job protection at your workplace.