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HEALTH

German health insurance costs set to rise next year

Health Minister Karl Lauterbach wants to raise additional contributions for statutory health insurance organisations in 2023.

Published: 28 June 2022 17:08 CEST
A stethoscope lies on banknotes.
A stethoscope lies on banknotes. Photo: picture alliance/dpa/Clark Germany GmbH | Clark Germany GmbH

The move means that the millions of people who have statutory health insurance (GKV) in Germany will likely face a significant rise in additional contributions next year. 

Health Minister Lauterbach (SPD) said on Tuesday the additional contributions would rise by 0.3 percentage points to 1.6 per cent.

If the increase goes ahead as planned, it could mean top earners with statutory health insurance would have to pay up to €87 extra per year, and average earners (bringing in around €4,000 gross per month) around €72 more, according to a calculation by German daily Bild. 

At the moment the cost of statutory public health insurance in Germany amounts to 14.6 percent of gross income. For employees, the employer pays half of the contribution rate.

READ ALSO: How can I change my health insurance provider in Germany?

The health insurance funds can levy additional contributions. The average additional contribution rate is is calculated annually by the Health Ministry and based on the projected expenses of health insurers. 

The average is 1.3 percent for 2022, but varies from fund to fund. If the additional contribution now rises to an average of 1.6 per cent, the health insurance overall contribution rate will exceed 16 percent of people’s wages for the first time.

Why are the additional contributions rising?

Lauterbach said statutory health insurance organisations are facing a deficit of about €17 billion next year. 

The Health Minister said in a tweet: “Unfortunately, the contribution rate has to increase by 0.3. The deficit is too large: €17 billion.”

He added that pharmaceutical industry was “making the biggest solidarity contribution” because their “turnover increased very strongly”.

The government hopes that the increase of the additional contribution will generate additional revenue for the health insurance funds of almost €5 billion.

Health insurance organisations will also receive a further federal subsidy – i.e. tax money – of €2 billion, to a total of €16.5 billion, plus a loan of €1 billion.

Meanwhile, there are also plans for a one-off solidarity levy of €1 billion from pharmaceutical companies, and another €3 billion is planned to be saved through efficiency improvements.

“I have essentially inherited this deficit from my predecessor,” Lauterbach said, referring to former Health Minister Jens Spahn (CDU). 

Lauterbach’s proposal will now be voted on by the ministries. Finance Minister Christian Lindner (FDP) has already agreed to the plans.

Several health insurance organisations recently increased their contribution rates, particularly since the Covid-19 pandemic began.

Vocabulary

Additional contributions (die) Zusatzbeiträge

Steigen – to increase

Additional revenue – (die) Mehreinnahmen

Statutory public health insurance – (die) Gesetzliche Krankenversicherung

We’re aiming to help our readers improve their German by translating vocabulary from some of our news stories. Did you find this article useful? Let us know.

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HEALTH

Should you take vitamin D supplements in Germany?

With the mornings and evenings getting darker, many people may be wondering if taking a vitamin D supplement is recommended in Germany. Here's what to know.

Published: 13 September 2024 13:12 CEST
Should you take vitamin D supplements in Germany?

Vitamin D is a vital nutrient for overall health and well-being, and most people are aware that it can be absorbed via sunlight. 

But as long-time residents in Germany know all too well, sunlight is often hard to come by in the autumn and winter months. In December, there’s only a few hours of daylight per day, typically when most people are at work (and it often isn’t even sunny).

This makes it much harder to get enough vitamin D. A deficiency in vitamin D can lead to several health problems in the long run. Muscle weakness and cramps, fatigue and depression are among the symptoms of not getting enough of this vitamin. 

How do I get the most vitamin D in Germany?

It mostly involves getting outside in the warmer months. Germany’s disease control agency, the Robert Koch Institute (RKI), says that vitamin D production happens from March to October and this is when the body builds up reserves for the winter. 

“During this time, the body is not only able to cover its acute needs, but also to build up vitamin D reserves in fat and muscle tissue for the winter months,” says the RKI.

READ ALSO: Your guide to getting through the German winter

The RKI adds that to counteract low vitamin D levels all year round in Germany, current recommendations suggest “exposing your face, hands and arms to the sun uncovered and without sun protection two to three times a week between March and October”.

However experts add that sun protection measures, like wearing sunscreen, must be taken when spending longer periods of time in the sun.

Meanwhile, the German Nutrition Society (Deutsche Gesellschaft für Ernährung or DGE) states: “It is recommended to expose the body to the sun for a total of around five to 25 minutes per day with face, hands and large parts of arms and legs uncovered.”

A number of foods provide some vitamin D. It’s mainly found in fatty fish, roe and fish liver, but red meat, egg yolks and liver are other sources.

Vitamin D is also added to some foods in Germany, such as some milk or vegan milk drinks, yoghurt and other snacks. The nutritional label on food packaging will let people know how much vitamin D they are consuming. 

Although eating foods rich in vitamin D is generally recommended in moderation as part of a varied diet, the DGE says the main focus should be on the body’s own production of vitamin D through exposing skin to sunlight.

READ ALSO: Essential phrases and customs to survive the German winter

What about supplements?

Another way to improve your vitamin D status is to take supplements. 

The German Nutrition Society recommends going down this route if an improvement in vitamin D status cannot be achieved through other routes like getting out and about in the sunlight. 

But be aware that experts also say that taking larger doses over a long period of time can be harmful. 

Pictured are Vitamin D capsules.

Pictured are Vitamin D capsules. Photo by Michele Blackwell on Unsplash

During the height of the Covid pandemic in 2021, the Federal Institute for Risk Assessment (BfR) warned of the health risks of taking vitamin D supplements without taking to a medical professional first. 

“Higher doses should only be taken under medical supervision and taking the individual vitamin D status into account,” the institute said.

“Anyone who wants to take vitamin D on their own should only use supplements with a daily dose of up to 20 micrograms (800 international units),” said the BfR. “With this amount, health impairments are not to be expected.”

According to the BfR, regular daily intake of vitamin D via high-dose preparations – for reasons other than medical reasons – increases the risk of health damage such as the formation of kidney stones or kidney calcification. There have also been cases of acute kidney failure as a result of uncontrolled self-administration of vitamin D preparations, experts said. 

There are a number of people deemed to be more at risk of a vitamin D deficiency.

From the BfR’s point of view, a general vitamin D intake of the upper limit of 20 micrograms per day should only be considered for nursing home residents and other risk groups. 

“This is because vitamin D is produced in the skin under the influence of sunlight. However, many older people hardly exercise outdoors,” the BfR said. Vitamin D production also decreases significantly with age.

READ ALSO: 8 tips for enjoying the cold like a true German

The risk groups for an inadequate vitamin D supply also include people who rarely or never spend time outdoors or who – for cultural or religious reasons – only go outside with their bodies completely covered. Some people who suffer from chronic gastrointestinal, liver or kidney diseases or who take medication that impairs vitamin D metabolism are also more at risk. 

If you suspect that you’re not getting enough vitamin D, go to your GP. They can test for various deficiencies, but bear in mind that these tests are not usually covered by statutory health insurance. 

Even if you don’t test, GPs will be able to advise you on whether you should take a supplement in winter – or all year round – depending on your individual case. 

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