How To Get Group Health Insurance For Self Employed

The principal features of the German and" the British national health-insurance systems are given in
the next outlines, the chief points being arranged so as to facilitate comparison of the two systems:
The German sickness insurance system. since 1883 - The German sickness insurance system has
been around operation, and could properly be looked at as thoroughly typical of the systems of social
insurance in Europe, Its fundamental features, as shown in the 1911 code, so far as they provided
for sickness insurance, could be outlined briefly the following:
1. Insured persons:
(a) Members: All workmen, helpers, journeymen, apprentices, persons engaged in home-working
industries, and servants are compelled without regard to income to be insured; all the persons
employed and earning 2,500 marks ($595) per year or less.
(6) Voluntary members: Any person whose income is 4,000 marks ($952) a year or less.
2. Contributions to funds:
(a) By whom: Insured persons contribute two-thirds; employers contribute one-third.
(B) The cost of supervision is borne by the Imperial and State Governments.
(c) There is no limit fixed for contributions by the law, but one is implied in the statement they may
not be raised above 4J % of the basic wage except under unusual conditions.
(d) Collections of contributions: Employers are held responsible for several contributions of their
employees, with the privilege of deducting the employees? share from wages.
3. Benefits:
(a) The law specifically states that "the benefits are not public charities." The rights to benefits start
out with membership.
(&) Medical benefits include health care, medicines, and appliances in home hospital, sanatorium,
and office as required, year but they are limited by 26 weeks is one. These benefits are administered
by local societies, with a number of physicians and hospitals which contract.
(c) Cash benefits: You start with the fourth day of disability, day one-half the essential wage is
purchased each working, never to exceed 26 weeks in a single year. When delivered to hospital, the
money benefit is stopped unless it is necessary for support of dependents.
(d) Maternity benefits: Benefits add up to the money benefits described above are provided for
insured persons or wives of insured persons during confinement for a period of 8 weeks, which 6
must be after delivery, and could be extended to 12 weeks if mother nurses child. Exactly the same
cash benefits are provided for 6 weeks for disability incident to pregnancy.
(e) Funeral benefits: Benefit equal to 20 days' pay at the essential day wage.
4. Administration: In general, the complete system of social insurance, which includes not merely
sickness insurance but also accident and invalidity, is provided for in one Health Insurance
Exchange code.
((f) There exists a governmental supervisory system comprising (1) the imperial insurance office; (2)
the superior insurance office, for districts roughly corresponding to our judicial districts, which
might or may not include an entire State; (3) the neighborhood Insurance Office, for districts which
roughly match our county or large city. This supervisory system is governmental, although each one
of the three forms of offices are comprised of representatives of the Government, the employers, and
the employees.
(6) The specific administration of the funds is left to local organizations called " funds," which are "
local," " rural," " establishments," " guild," and " miners." The membership of the " funds " comprises
the Insured persons, and the management is in the hands of directorates made up of one-third
employers and two-thirds Insured persons.
(1) Whenever the employers contribute as much as one-half of the funds, they are eligible for one-
half representation in the directorate.
(2) Provision is perfect for federations of " funds " for the purposes of establishment of hospitals,
sanatoria, convalescent homes, along with other purposes to lessen overhead expenses.