Hospital bill for one night?

85 posts in this topic

19 minutes ago, msam said:

There are no transportation costs in that bill.

20 hours ago, Bao said:

A year ago they asked for the transportation fee of the ambulance, and I already paid that.

 

 

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38 minutes ago, swimmer said:

And you saved money by self-insuring this risk, so deduct that from the real cost.  You simply saved in advance for it and / or planned to pay it from future earnings rather than taking up an insurance policy, as you said earlier.  Just a different funding model.   It's not cost you more than anyone 

I think you missed my point. Of course Germany has many advantages, why do you think I chose to study here in the first place? 

My question in short: Is 1700 Eur the right cost for an ultrasound scan and a painkiller shot in Germany?

 

But from what you said, it seems that it is indeed the appropriate price tag. I never would have thought that medical services would be so costly here :blink:

 

And I said this before, I did want to change insurer. As soon as I knew about them, I tried to, but the popular public ones like AOK rejected, saying that since I started my study with Mawista, I had to stick with it until the end. My only way back to public insurance is to find a full time job it seems.

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I´d try to find out whether that bill is correct. E. g. try to ask at your local kassenärztliche Vereinigung or Ärztekammer or the "Deutsche Krankenhausgesellschaft". Or ask the hospital itself. Also ask your insurance why they refused to pay the bill of the first hospital? It was an emergency after all so you couldn´t be expected to try to find out which hospital they would have paid for.

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7 minutes ago, Bao said:

My question in short: Is 1700 Eur the right cost for an ultrasound scan and a painkiller shot in Germany?

 

I think that emergency room costs are always more than just going to a doctor and having these things done but of course, you had to go.

 

Some years ago I had the same symptoms in the middle of the night. I suffered until about 6:00 and woke up Himself and asked him to take me to the hospital. They did ultrasound first, then xray and couldn't make a diagnosis. As the pain worsened, they said it was probably my appendix which is hard to diagnose. It was. Took me into surgery and kept me for 4 days. 

 

I'm glad they didn't wait and send me to another hospital, it was about to burst. Then again, they knew I had insurance to cover the cost.

 

I wish you had known which hospitals your insurance covered.

 

 

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19 minutes ago, Bao said:

I think you missed my point. Of course Germany has many advantages, why do you think I chose to study here in the first place? 

My question in short: Is 1700 Eur the right cost for an ultrasound scan and a painkiller shot in Germany?

 

But from what you said, it seems that it is indeed the appropriate price tag. I never would have thought that medical services would be so costly here :blink:

 

And I said this before, I did want to change insurer. As soon as I knew about them, I tried to, but the popular public ones like AOK rejected, saying that since I started my study with Mawista, I had to stick with it until the end. My only way back to public insurance is to find a full time job it seems.

A different tip, Bao! You have incurred medical costs in an expensive country! Do you have personal liability insurance/private Haftpflichtversicherung? It covers you for damages if you accidentally injure someone through negligence/accident and they end up in hospital, for example! If that happened , you would get another horrible letter to deal with...

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Glad to hear you are ok now.

Some insurances ( usually travel ones) state you must contact  them before seeking medical assistance, or at least attempt to get in touch as soon as admitted.   As a RN, I have  on occasion contacted travel insurances for patients, as well as  getting them the right forms for transport costs.

As you already said- yours stated they did not cover transportation/ambulance fees.

 Whether you did read all the fine print at the start, or just discovering now, the T&C are what counts.

I am no expert- seek the likes of John g or Starshollow for this!

Sadly, cutting costs with health insurance because "I am young and never sick" is a disastrous plan.  

Stay healthy and good luck with studies.

 

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23 minutes ago, john g. said:

A different tip, Bao! You have incurred medical costs in an expensive country! Do you have personal liability insurance/private Haftpflichtversicherung? It covers you for damages if you accidentally injure someone through negligence/accident and they end up in hospital, for example! If that happened , you would get another horrible letter to deal with...

Well, from the clauses in https://www.mawista.com/behandlungsschein.pdf, no, it seems that they do not cover that.

I will make sure to check for this when I manage to change to a public insurance, thanks for the tip!

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1 minute ago, Bao said:

Haftpflichtversicherung

 

I think this is not something you get with any health insurance. It is separate and very important.

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At the end of the day, migrants are often making ongoing choices that locals do not have to.

 

What is more important individually?   A German education or similar opportunities here, or access to cheaper stuff at home?   Plenty of people in nations like Vietnam choose to stay there for the latter.  They would go without a top level international education or similar that other family members here get.    (I see that too with the people I mentioned).

 

This is hierarchy of needs stuff, in the context of life situs: the level of self-esteem and self-actualisation, or the level of basic security?  Which are we?

 

Those people I mentioned will be back to Hanoi pretty fast if the latter ever becomes more valuable to them, just the same, if they can.   Just like I would be to my homeland if it were the same for me.   Meantime, they build lives here.   Some have made the huge trade off of giving up citizenship there (hence, "if they can").

 

The other thing is that an insurance obligation can be annoying but - boy - does it instill financial discipline.  We budget for that and only then think...OK, now let's make sure we find the money to pay for the next laptop and the next's year restaurant bills and the other goodies as well :lol:.  You identify an income to cover the lot.   That is how to have cake and eat it.  (Your model is different - you wait until the cost is incurred to start paying).

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2 minutes ago, swimmer said:

At the end of the day, migrants are often making ongoing choices that locals do not have to.

 

And, funny enough, thousands of locals retire in places like Thailand where they can afford to live.

 

Go figure.

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13 minutes ago, Bao said:

Well, from the clauses in https://www.mawista.com/behandlungsschein.pdf, no, it seems that they do not cover that.

I will make sure to check for this when I manage to change to a public insurance, thanks for the tip!

:(No, no, no! Sorry! What has public health insurance got to do with causing SOMEBODY ELSE an injury accidentally? Then YOU would pay THEIR medical bills!!!

By the way, how and when are you going to switch to public insurance?

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2 minutes ago, john g. said:

:(No, no, no! Sorry! What has public health insurance got to do with causing SOMEBODY ELSE an injury accidentally? Then YOU would pay THEIR medical bills!!!

By the way, how and when are you going to switch to public insurance?

Well my only hope is to find a job it seems. That's what they told me at AOK :huh: 

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1 minute ago, john g. said:

Are you allowed to work? paging Engelchen:P

I should be allowed to work full time after graduation :lol:

Small jobs for students that pay under 450Eur/month are not counted it seems. 

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58 minutes ago, fraufruit said:

 

And, funny enough, thousands of locals retire in places like Thailand where they can afford to live.

 

Go figure.

 

Exactly.  And indeed of course many original migrants go back as well, assuming they can, if no longer citizens (as tends not to be allowed here,  we also know people getting older now who did and now find themselves are caught out by that in various ways, we recently had a retiree whose visa to go back got declined...trade offs now of a decision that paid off big time for decades).

 

For all we bang on complacently about "lefties" that's one of the few places that is still actually a socialist republic.  They tend to be good on universal services like education and healthcare but less good on areas like freedom of expression and press freedom and such (and indeed it is rated poorly on those, at least by the normal western sources).    That choice again.   I lightheartedly note I do have family accountable to a communist government - bizarrely mainly kids ("This adorable little chap...the socialist",  "There's only one socialist here (points at the 10 year old)").

 

It is also usually historically the case that communist nation citizens felt poor when they came to free market nations, as their economic method was so totally different.   It was no different here in the 80s.

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19 minutes ago, Bao said:

I should be allowed to work full time after graduation :lol:

Small jobs for students that pay under 450Eur/month are not counted it seems. 

So, if till that happens, you accidentally knock someone off their bicycle in the street and they end up in hospital for three  months..how would you pay their hospital bill? You would be legally responsible and FORCED to pay life long if necessary. Is that a riskyou are happy to take? Carry on reading the thread about Haftpflicht!

You come across as a very bright young person, by the way, and very likeable! I am NOT attacking you or criticising you! You are young,a foreigner and someone not familiar with the way Germans do their stuff...

 

Edit: bloody hell...just realised this is NOT the Finance Thread (where it belongs!!) so..

 

Disclaimer: I am a currently one-eyed independent insurance broker and authorised advertiser on Toytown.

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Just a thought:  would it be worthwhile to go to the verbraucherzentrale (or similar org) and have them review the bill for cost accuracy?  

 

the bill posted by the OP looks *really* thin to me.  Meaning, even when my cats went to the emergency vet the charges were so detailed it often took several pages to cover.  I would have expected to see something like "sonogram: x euros, overnight stayL x euros, injection x euros, medicine for injectionL x euros".  Same kind of thing when I have a dental treatment not covered by the kasse - the bills are silly with detail.

 

One thing that is unfortunately true about emergency medical service regardless of how detailed the bill is, is that they are allowed to charge up to three times the mandated rate for a given procedure.  Depends on what time of day you came in among other things (which I know nothing about), but that could be a large part of why this was so expensive.  

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@john g. I don't think he's rejected the idea of liability insurance at all - he was just confused thinking it was part of (kasse) health cover. 

 

And he's right, he can't get into a kasse unless he earns better than a mini job.

 

I don't think the OP is among the oft seen "I want it all for free" crowd ;)  He's still figuring it out but being damned proactive about it (he even has an emergency fund!  I didn't have one of these til I was pushing 40)

 

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