After your Doctor's visit you will receive an invoice. You must pay this yourself. Together with the invoice, you will receive a copy of the invoice (= reclaim voucher or invoice copy). You send this copy to your health insurance company. You will then receive - if the amount exceeds the deductible rate - 90 percent of it paid into the bank or post office account you specified.
The Hospital bill is either sent to your home or to the health insurance company. In most cases, the bill is paid directly by the health insurance company. The health insurance company or the hospital will send you a separate invoice for any costs that you have to bear (deductible, contribution to meals).
Also, certain medications prescribed by a physician Medication are paid by the health insurance. Either you receive the medication directly after showing the health insurance card and without paying. Or you pay for the medication yourself and send the invoice and prescription to the health insurance company later for reimbursement.
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