Selbstzahlersystem

A Selbstzahlersystem, often translated as a self-payer system or private payment system, refers to a healthcare financing model where individuals directly pay for medical services out of their own pocket. This is in contrast to systems funded through social insurance, government subsidies, or employer-provided health plans. In a Selbstzahlersystem, patients are responsible for the full cost of consultations, treatments, medications, and hospital stays.

This model is prevalent in countries with predominantly private healthcare sectors or in specific circumstances within mixed systems. For individuals who opt for a Selbstzahlersystem, it often implies a choice to bypass waiting lists associated with public or insured healthcare, potentially gaining access to specialized care or elective procedures more quickly. It can also be chosen by those who are not covered by any form of insurance or public health scheme.

The primary advantage for patients choosing this route can be speed and direct control over their healthcare decisions. However, the significant disadvantage is the substantial financial burden. Without insurance, even routine medical care can become prohibitively expensive, potentially leading to delayed or forgone treatment due to cost. The accessibility and equity of healthcare can be a major concern in systems heavily reliant on Selbstzahlersystem. Decisions about seeking medical attention are heavily influenced by an individual's financial capacity.