health insurance fund
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health insurance fund
A statutory or private organization that covers the costs of medical treatments, medications, and other health services for its insured members.
Die Rechnung vom Arzt reiche ich bei meiner Krankenkasse ein.
I submit the doctor's bill to my health insurance fund.
The word is made up of 'Kranken' (a form of 'krank', sick) and 'Kasse' (a place where money is managed). So it is literally a cash fund for the costs of sick people.
Jeder Arbeitnehmer in Deutschland muss in einer Krankenkasse versichert sein.
Every employee in Germany must be insured with a health insurance fund.
To express membership, you use the preposition 'bei' (with/at). You are insured 'bei' a Krankenkasse.
Ich bin seit fünf Jahren bei dieser Krankenkasse.
I have been with this health insurance fund for five years.
Common verbs related to the Krankenkasse are 'die Krankenkasse wechseln' (to change health insurance funds), 'Kosten bei der Krankenkasse einreichen' (to submit costs to the health insurance fund), and 'Leistungen von der Krankenkasse erhalten' (to receive benefits from the health insurance fund).
Viele Leute wechseln ihre Krankenkasse, um Geld zu sparen.
Many people change their health insurance fund to save money.
In Germany, a distinction is made between the 'gesetzliche Krankenkasse' (statutory health insurance fund, GKV), where most people are insured, and the 'private Krankenkasse' (private health insurance fund, PKV).
Als Student kannst du zwischen einer gesetzlichen und einer privaten Krankenkasse wählen.
As a student, you can choose between a statutory and a private health insurance fund.
insurance / assurance
'die Versicherung' and 'die Krankenkasse' are both connected to financial protection. 'Versicherung' is more general: it can be about a car, an apartment, travel, health, or other risks, and it can also mean the insurance company. 'Krankenkasse' specifically means the organization that covers the costs of doctors, medication, and other health services. Learners may confuse the words because a 'Krankenkasse' is a type of insurance in the health sector. But if it is not about health, you do not say 'Krankenkasse'.
Meine Krankenkasse bezahlt einen Teil der Physiotherapie.
My health insurance fund pays part of the physiotherapy costs.
Nach dem Unfall ruft Max sofort seine Versicherung an.
After the accident, Max immediately calls his insurance company.