
Originally Posted by
GusherING
Sweden, Germany and the UK all have universal health care systems of a sort (although their funding systems vary from case to case) and none have a two tier system.
Germany does have a two-tier system, as does the UK I would imagine [what with a significant % of the public having private insurance such as BUPA].
In Germany, if your income is over 40/50-something thousand a year, you can opt out of the public insurance system and elect your own private provider.
This has various pros and cons, but for many people [particularly single people] it is both cheaper and gives you access to a much wider array of doctors, as a certain % of doctors only deal with the private insurance providers. The reason it is cheaper is that you are bypassing the
redistributive element of the public system and just paying for yourself.
That said, the public system [i.e. public insurance providers who charge a fee in terms of a % of your income] is nevertheless quite excellent compared to Ireland.
Apparently they have is that they have
too many doctors going into the system, and consequently this is driving up costs.
Amazingly difficult to believe from an Irish perspective!
I rang a consultant a few weeks back for an apointment. Imagine my surprise when the response was "today or tomorrow?"..... and I hadn't even gotten a referal.
But it does cost quite a bit in terms of taxes (only nominal direct costs). Very expensive, I think quite possibly the most expensive in the EU. Apparently doctors make a fortune by doing all sorts of uncessary tests and examinations and thus charging the insurance companies more than necessary. This is one of big drawbacks of an insurance-based system compared to a NHS-type system.