Whether you’re visiting a doctor for a quick check-up or spending a few nights in the hospital for surgery, medical care in Germany falls into one of two categories: inpatient or outpatient treatment.
But what is the difference between inpatient vs. outpatient treatment?
Inpatient care typically requires an overnight stay in the hospital, while outpatient care means you go home the same day. And which type of treatment you receive can affect where you go, how much you pay, and what your policy covers.
In this guide, you’ll learn:
By the end, you’ll understand how the German healthcare system handles treatment and how to make sure you’re fully prepared, whether it’s a routine appointment or a major hospital stay.
Let’s get started.
Inpatient treatment refers to staying overnight in a hospital for medical care. This type of treatment is necessary when your condition is severe or requires ongoing monitoring.
Common examples include:
So, how does inpatient treatment work in Germany?
Let’s say you need ligament reconstruction surgery. Here’s what the process would look like:
The hospital you go to often depends on your health insurance:
When selecting a hospital, make sure:
It has specialists for your condition
It accepts your insurance (most accept public insurance, but not all)
You bring the right documents:
Upon arrival, nurses will guide you to your room and explain what to expect during your stay.
Outpatient treatment refers to any medical care that does not require an overnight stay. You attend your appointment, receive treatment, and return home on the same day.
Outpatient care in Germany covers a wide range of medical services. Common examples include:
General practitioners, specialists, dentists, and therapists all provide outpatient care. With public health insurance, specialists require a referral from your primary doctor, but with private health insurance, specialists don’t need a referral.
Just like with inpatient care, it’s important to choose a clinic or practice that:
Healthcare costs in Germany depend on the type of insurance you have. Here’s what to expect with public, private, and expat health insurance, along with examples of out-of-pocket costs.
If you are covered by public health insurance, most standard treatments, including inpatient and outpatient care, are fully covered.
However, there are still some costs you may need to pay:
Aside from these, most necessary treatments are free at the point of care. However, coverage under public insurance can be limited, especially for services such as preventive or alternative treatments (e.g., chiropractic care without a GP referral). These are typically not covered and must be paid in full out of pocket.
Tip: Public insurance doesn’t automatically cover every treatment. Always check with your insurer beforehand to confirm coverage and costs.
Private insurance offers more flexibility, but coverage and reimbursement vary depending on your insurer and the specific plan you have.
Here’s how it works:
Example: A visit to a chiropractor without a referral is reimbursed at 100% with Feather (check this with other providers). However, some treatments, such as a dental bridge, may only be refunded at 70–90%, depending on your policy.
Tip: Reimbursement rates vary by treatment and insurer. Ask your provider for a breakdown of what percentage of each treatment is covered.
If you’re new to Germany, expat insurance is often a short-term solution that functions similarly to private insurance. Here’s what to expect:
How it works: You receive a bill from the doctor or hospital, pay it, and then request reimbursement from your insurer.
Deductible: With Feather’s expat insurance, you pay a €25 deductible per event—whether inpatient or outpatient.
What’s covered: These plans cover accidents, emergencies, and new illnesses. Most treatments are reimbursed at 100%, with exceptions for:
Tip: Expat insurance doesn’t distinguish much between inpatient or outpatient care; it’s more about the specific treatment type. Always confirm coverage in advance, especially for any care beyond basic or emergency services.
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