The ranks of the privileged
I followed my friend's advice and looked for work, but I could not find any. Instead, I fell head over heels and marched down the aisle and into domesticity. My husband now generously paid my bills and in one fell swoop I went from the ranks of the masses with statutory health coverage to those of the privileged with private insurance. But I was still bursting with health in those days, and I thought that statutory and private health insurance were much the same, and that either way I was paying other people's medical expenses.
I never thought how quickly things could change. It was only when I had my first child that I had my first inkling of a difference between statutory and private health insurance, and that there are two classes of patients in Germany. Before the birth, my husband picked an expensive private maternity hospital in a quiet setting by a municipal park. We also chose the doctor who delivered our baby.
As soon as I left the delivery room, I moved into a single room with TV and a fully equipped bathroom. New mothers on statutory insurance are usually sent home four days after giving birth, but I stayed a full week. The hospital staff were extremely polite. Every day after 7 a.m. a cleaning lady knocked on the door to ask me if she could do my room. And every day a hospital nurse came to teach me postpartum exercises to help my uterus contract.
I remember a college friend of mine who gave birth in a public hospital in Munich. Being on statutory insurance, she had to share a room with three other mothers. There was a washbasin in the room, but to take showers and go to the toilet, they had to go to a communal bathroom. The worst was that they never had a moment's peace and quiet. My friend complained, "A cleaning lady kicks us out of bed before 6 a.m. With four mothers in the room, there is a constant stream of visitors, and twice every evening they holler at us to remind us that it's feeding time. I have barely slept a wink. I can't stand it." So there is a difference between statutory and private insurance. As they say, "you get what you pay for."
The second time I was hospitalized I was really sick. I had a laparoscopic gallstone removal operation and really felt like I recouped my losses from the insurance company. It was no laughing matter and I paid dearly with my health. If it had been up to me, I would have gladly paid a lifetime's worth of insurance premiums and not gotten my money's worth in hospital. But illness is something beyond our control. In the years that followed I was hospitalized several times to have tumors removed, and every tumor was more serious than the last. In my heart, I've apologized many times to my insurance company for my previous lack of appreciation.
When it rains, it pours. Not long after my surgery, my father needed a heart operation. Living thousands of miles away from home, I was worried sick for him. His operation was a success and as soon as it was over I phoned my mother in Taiwan to tell her to get him admitted to a sanatarium as quickly as possible. "A sanatarium? Where would we find such a place in Taiwan?" sighed my mother.
BKK, Barmer, AOK, TK are Germany's principal statutory insurers. Allianz is a major multinational enterprise, as well as one of Germany's largest private insurers. Patients with an Allianz card get all sorts of preferential treatment.