The insurance funds are self-governing corporations under public law that have joined together to form national associations. The funds take full responsibility for fulfilling the tasks assigned to them by law. The federal ministries in charge are:
the Federal Ministry of Health (Bundesministerium für Gesundheit) . English website available.
Among the central tasks of theFederal Ministry of Health (BMG) is to ensure the performance capability and continuing development of the statutory health insurance system as well as the long-term care insurance.
the Federal Ministry of Labour and Social Affairs (Bundesministerium für Arbeit und Soziales) . English website available.
The central concern of the Federal Ministry of Labour and Social Affairs (BMAS) is to ensurethe performance capability and continuing development of the statutory insurances as follows: pension, occupational accidents and unemployment.
El sistema de Salud alemán, es un sistema mixto de salud, en donde convive un sistema público y una red de cajas de seguros privados. El sistema público consta de un seguro obligatorio de enfermedad que cubre al 90% de la población, 70millones de personas compuesto de la siguiente manera: asegurados obligatorios 40.6%, familiares 28.6%, pensionados 24% y voluntarios 6.8%.
Para el año 2004 los gastos sanitarios de Alemania fueron de 234,000 millones de Euros, lo que equivale a un 10.6% del PIB, lo que lo ubica en la tercera posición, superado solo por Los Estado Unidos de Norteamérica y Suiza respectivamente. AdicionalmenteAlemania tiene el mayor índice de médicos por habitantes en el mundo.
Las Leyes Sociales de Otto von Bismark establecen en 1883 la obligatoriedad el Seguro de Salud (primero en establecerse) a través del V libro del Código Social Alemán.
Hoy en día el Seguro Social Alemán, está compuesto por cinco ramas:
1.- Seguro de Desempleo.
Who is insured?
Unemployment insurance is acompulsory form of insurance. All persons who have a paid job above the insignificance limit are insured. This goes for blue-collar as well as white-collar workers and also includes trainees. Special groups of people, e.g. civil servants, soldiers or those aged 65 and over are exempt from paying unemployment insurance contributions. Overview of compulsory unemployment insurance and exemptions >>The spectrum of benefits provided by unemployment insurance
The Federal Employment Office, represented locally by regional employment offices, provides a wide range of benefits within the scope of unemployment insurance. Overview of unemployment insurance benefits >>
How are the expenditures of the Federal Employment Office financed?
Financing comes primarily from the contributions paidby employees, employers and third parties. These are supplemented by allocations, federal funds and other income. Overview of unemployment insurance financing >>
Unemployment insurance as a mirror of the times
The eventful history of unemployment insurance began in 1927 with the Job Placement and Unemployment Insurance Act. In subsequent years, the world economic crisis, mass unemploymentand the temporary caesura in self-government and free career choice during National Socialism proceeded to put the fundamental democratic principles on which unemployment insurance was based to the test.
2.- Seguro de Pensión.
Retirement Pension Insurance
Catchword "Pension insurance". Who is insured?
"Who will take care of me when I get old?" is a question that preoccupies many workingpeople today. Particularly in old age, adequate insurance protection is of vital importance. Statutory pension insurance enables pensioners to enjoy their retirement years. Who is covered by statutory pension insurance? >>
Old-age pension, rehabilitation, widows/widowers pension. Benefits provided by statutory pension insurance
With a range of assistance including classic old-age...