Ummmmm…not correct. We have no “National Health Care” here in Germany.
We are required to have health insurance. We have the option of selecting a “statutory” health plan (Krankenkasse) which is regulated by the government (think: adhering to requirements to be able to be on an Obamacare exchange) or private insurance (Krankenversicherung) such as DKV (Deutsche Krankenversicherung).
About 90% of Germans have chosen to be in one of the state-regulated Krankenkassen (IIRC there are circa 320 different ones) – my husband and I belong to Technikerkrankenkasse (English | TK if you’re interested in looking at their website, the link is in English), which is one of the largest. I pay about 800€ monthly to TK – my employer sends my (and their) contribution directly to the Krankenkasse for me (my husband’s employer doesn’t, so he has a monthly transfer set up for his contribution). We also have an extra (private) dental insurance (our Krankenkasse covers most basic stuff) for things like crowns or implants.
My annual tax forms have information over my contributions to the Krankenkasse, as I must show that I am covered.
One of the reasons why most Germans belong to a Krankenkasse as opposed to private insurance is because the state regulates, among other things, how much you will continue to contribute for your health care after retirement. Because I belong to a statutory Krankenkasse my contributions are limited by law to just under 15% of my retirement income. This is because I have, in effect, paid for my retirement healthcare “up front” – sort of like a pension plan. And similar to a pension plan you have to have paid in for a certain amount of time (think: be vested), so there is an age beyond which you cannot switch from private health insurance to a Krankenkasse – the importance of which you will see below.
So, private health insurance companies are not so tightly regulated – what they do is start off with much cheaper premiums when you are young, so you think, oh, yeah, why should I pay into the more expensive statutory healthy plan? They pretty much keep it down low until you are beyond the age to switch over, then start hiking up premiums. Had a friend with private insurance who ended up paying a significantly higher premiums after retirement than I will ever have to – but, of course, could no longer switch to the less expensive option of statutory health coverage.
But, basically, yes, we are used to staying home if we are sick because there is no limit to sick days, as long as your doctor signs an attest. You can call in for two days without a doctor’s note, after that your doctor will have to give you an attest (assuming you are legitimately sick and not faking it) for the period of time that should allow you to get well. The longest attest I have had was for 7 weeks (bad hand injury – right one, of course) and, of course, full pay…but that’s tied into the Krankenkasse as well…
My belief is that the Germans have taken this seriously from the beginning – hubby and I are now in our third week of working from home, and have at least two more to go. We have not had issues of megachurches, beach parties, etc. – i.e., people are following the guidelines and being careful.
And, of course, the additional hospital space that other countries (including some of Germany’s neighbors like France and Italy, who have sent some of their sick people to us) just don’t have. That’s played a very significant role.