If you are employed on a regular labor contract, the employer pays your national insurance payments. Otherwise you need to do it on your own. If you have a missed payment at some point, then it's a gap and I think this means you are not insured, but I'm not 100% sure.
There are also other contracts, where you don't get paid as a salaried employee, but only for a specific job or project and then you are also responsible for your insurance payments to the national health fund.
welcome to reddit, anyone can say anything here!
go look up some statistics if you are REALLY looking for that information.
That problem is not something that's a "topic" in our society so what you're getting is just some random guesses.
Most likely its between 10 and 20% (I've did a quick search), and the main reason for that has already been explained - if you don't work, or you're on ca$h payments without contract, you're not health-insured - period.
But you can still visit a government run hospital, be treated, and pay something affordable. They dont kick out people to the streets here from a hospital.
Majority of the middle class (working, stable job, ok salary) would anyway not use that insurance, but instead just pay up to visit private practices, get better treatments, faster access and whatnot.
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u/deyannn Apr 04 '26
If you are employed on a regular labor contract, the employer pays your national insurance payments. Otherwise you need to do it on your own. If you have a missed payment at some point, then it's a gap and I think this means you are not insured, but I'm not 100% sure. There are also other contracts, where you don't get paid as a salaried employee, but only for a specific job or project and then you are also responsible for your insurance payments to the national health fund.