health insurance
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health insurance
An insurance system that fully or partially covers the costs of medical treatments, medications, and other health services in the event of illness. In many countries, it is a legally required compulsory insurance.
Nach dem Arztbesuch reiche ich die Rechnung bei meiner Krankenversicherung ein.
After the doctor's appointment, I submit the bill to my health insurance.
The word is composed of 'Kranken' (a form referring to sick people) and 'Versicherung' (insurance). So it is literally insurance for the case that you become ill.
Jeder Arbeitnehmer in Deutschland braucht eine Krankenversicherung.
Every employee in Germany needs health insurance.
Common verbs in connection with health insurance are 'eine Versicherung abschließen' (to take out an insurance policy), 'bei einer Versicherung sein' (to be with an insurance provider), and 'eine Rechnung einreichen' (to submit a bill).
Für meinen neuen Job musste ich eine Krankenversicherung abschließen.
For my new job, I had to take out health insurance.
In the German system, a main distinction is made between 'gesetzliche Krankenversicherung' (statutory health insurance, GKV) and 'private Krankenversicherung' (private health insurance, PKV). These adjectives are very typical additions.
Die meisten Menschen in Deutschland sind in der gesetzlichen Krankenversicherung.
Most people in Germany are in the statutory health insurance system.
insurance / assurance
'die Versicherung' and 'die Krankenversicherung' can easily be confused because 'Krankenversicherung' is a specific type of insurance. 'Versicherung' is the general term and can refer to many areas, for example car, home, or travel insurance. You use 'Krankenversicherung' only when it is about costs for illness, doctor visits, medications, or treatments. In practical terms: every 'Krankenversicherung' is a 'Versicherung', but not every 'Versicherung' is a 'Krankenversicherung'.
Bei der Anmeldung im neuen Job fragt die Firma nach meiner Krankenversicherung.
When registering for the new job, the company asks about my health insurance.
Für das neue Auto braucht sie noch eine Versicherung.
She still needs insurance for the new car.