Please be advised that SilaMed's information about the medical treatment in Germany of the foreign patients, reimbursement of costs in the EU as well as the travel insurance for medical treatment are based on the data provided by the official sites of the European Union, European National Contact Points for Cross-Border Healthcare, the European Commission and the German Federal Ministry for Economic Affairs and Energy.
You have a health insurance in your EU home country and would like to undergo treatment in a hospital in Germany.
In this case you have three different possibilities to receive benefits.
First option: You are insured with EU statutory health insurance and need an in-patient treatment while temporarily staying in Germany. This treatment may then be covered by the European Health Insurance Card (EHIC), if you did not come to Germany in order to be treated.
Second option: You have an EU statutory health insurance and would like to undergo a planned treatment like a person insured with a German statutory health insurance fund. To this end, your EU home healthcare insurer has to issue an entitlement document E112 or S2 for you.
Third option: You have statutory or private EU health insurance and would like to be treated like a person with private health insurance. In this case, you will first be privately charged for the services provided. In this case, please use the checklist given below.
If you come to Germany in order to be treated, a prior authorization will always be required for an in-patient treatment – no matter if you are treated like a person with statutory or with private health insurance.
If you have questions regarding your entitlements on the basis of your EHIC or an entitlement document E112 or S2, please contact your healthcare insurer in your EU home country.
If you would like to be treated like a person with private health insurance in Germany, the following checklist provides you with an overview of the aspects you should take into account before, during and after treatment.
1. Before your treatment in Germany
You have contacted your local health authority in order to ascertain under what conditions you can have the cost of treatment reimbursed.
The local EU healthcare insurer has approved the treatment in the German hospital and has agreed to pay at least part of the cost.
SilaMed and you have selected a hospital in Germany which offers the treatment which you would like to have.
You have enquired through SilaMed in the hospital to discover the various benefits on offer and obtained a cost estimate.
SilaMed helped you to reach an agreement with the hospital on the scope of the treatment, in other words you have concluded a treatment contract directly with the recommended hospital in Germany.
SilaMed helped you to make an appointment at the hospital and ascertained whether copies from your medical records in your EU home country are needed. If necessary, you have obtained copies.
You have agreed with the hospital in Germany when and how the treatment is to be paid for.
2. During your treatment in Germany
You have made sure that the doctor or dentist in attendance in the hospital has entered in the medical records all the information, steps and results which are necessary for the treatment.
3. After your treatment in Germany
You have received a release report from the hospital on the basis of which further treatment can be provided in your EU home country.
The hospital has issued you with itemized bills after the treatment so that your local healthcare insurer can identify exactly what benefits were provided in Germany. Keep all bills carefully.
You have made sure that any prescriptions that your doctor or dentist has issued you with satisfy specific criteria. This is particularly important if you cannot present the prescriptions in Germany, but have to present them in your home country.
You have submitted all the necessary invoices to your health insurer in your EU home country in order to have the costs reimbursed.
Please note that SilaMed cannot provide any medical advice, diagnosis or treatment, and does not make recommendations in choosing a German medical provider – that is a decision that remains entirely up to you.
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