FAQ Finance

The general assumption with medical travel is that working with a third-party company will increase the overall costs. Actually, working with a patient management company such as Premier Healthcare Germany can actually save you money. But how?

Our professional case management team can handle administrative tasks quickly and more efficiently than a hospital. By outsourcing the bureaucratic work to us, the hospital saves money, resulting in an overall lower cost of treatment. By saving money on the administrative side, you can reduce the cost of your stay without sacrificing the quality of your medical treatment.

Our local presence and knowledge of the German healthcare system allows us to represent you on a cost-controlled basis according to state-enforced hospital pricing guidelines. While exact prices may vary from hospital to hospital, we work hard to narrow the gap between what international patients and what German patients pay.

In addition, with excellent planning and comprehensive preparation, we can help you avoid surprises, reduce risks and limit your time in Germany, all of which can result in major cost savings for you. Long before you arrive, we make sure to have a formal review of your case done by a German doctor. They will examine your diagnosis, take your medical history and overall health into account, and make a treatment recommendation to minimize risks for you.

Removing potential risks involved with your medical treatment can significantly reduce your overall treatment cost and prepayment. With careful planning, we can help you avoid unexpected complications and secondary costs during your treatment.

Read more about the cost of treatment in Germany.

Our fees will depend on the medical treatment involved. In our experience, the total hospital costs as well as our fees are usually lower than if the patient approaches a hospital directly.

We have extensive experience in making medical treatment in Germany cost effective. For this reason, many international insurance companies recommend their members to us. Contact us to find out if we work with your insurance company, or you can read more about the cost of medical treatment in Germany on our website.

Yes. After reviewing your case together with a German doctor, we will provide you an estimated cost of treatment. We will require a prepayment from you based on this estimation.

Although this initial price is just an estimate, we are highly experienced at analyzing budget indications and our estimates are usually quite accurate.

The actual costs, however, will not be fully known until treatment is completed. After your discharge from the hospital, we will collect all of the individual claims for you and send you the total charges.

In the case that your prepayment was more than the sum of our invoice, we will wire the difference to your account within five days of our final invoice date.

The answer is maybe. It depends on what country you are traveling from and which health insurance company you have. Generally, patients should ask for pre-approval from their health insurance before seeking treatment abroad. Patients can also take the risk and pay up-front for medical treatment and ask their insurance company for reimbursement.

Check out our partners for a partial list of insurance companies we work with which cover the cost of the services of Premier Healthcare Germany, or read more about insurance company solutions.

For EU citizens:

If you are a citizen of a European Union Member State, new European regulations clearly state that you can receive treatment in Germany, and that the costs are covered up to the cost that the same procedure would have cost you in your home country. This means, for example, if you are a citizen of the UK and have been told that you need to wait for 3-6 months for your procedure, traveling to Germany is a very valid option. Pre-testing and surgery can be booked within a week and costs are covered by your health insurance, including the U.K.'s NHS. The only thing you may have to pay out-of-pocket is the flight and accommodation, a small sacrifice to make in order to receive immediate treatment.

Similar conditions may apply for other countries with long waiting lists, such as Canada.

The responsibility for the cost is on the patient, unless their health insurance has a direct contract with Premier Healthcare Germany.

For U.S. citizens:

If you are a US citizen, medical travel will most likely also requires pre-approval by your health insurance. We are more than happy to take the lead in communicating with your health insurance. Generally, insurance companies respond positively to the opportunity to save costs with the same or an even higher quality of care. However, you may be expected to pay for the trip yourself.

Contact us in order to assess your individual situation.

Many people are familiar with Germany's high quality medical care, but few realize that receiving medical care in Germany can be good for their wallet as well. Germany has an excellent cost-to-quality ratio when it comes to medical treatment. The level of care is extremely high, and the prices are often significantly lower than same quality for the same treatment somewhere else.

Take a knee implant, for instance. This common orthopedic surgery can cost over $30,000 in the U.S. The exact same procedure in Germany can be found for a 30-60% decrease in price, and it will still be performed in a modern hospital by well-trained surgeons. This makes Germany an extremely favorable price-to-value ratio destination.

Additionally, German has more hospitals per capita than any other European country, and nearly twice as many per capita in the U.S. This means hospitals have a lot of competition to fill their beds, resulting in favorable prices for patients overall. German hospital pricing structure is very competitive to countries like Japan, Singapore, Switzerland, Turkey, UAE, UK, USA.

Read more about the costs and quality of medical treatment in Germany.

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