10. Germany
Health insurance in Germany is mandatory for all citizens and permanent residents. There are two systems, the universal statutory health insurance (SHI) and the substitutive private health insurance (PHI).
SHI is publicly financed health insurance from compulsory contributions based on income. SHI covers all preventive services, hospital care, physicians, mental health and dental care, optometry, physical therapy, most prescription drugs, rehabilitation, hospice and palliative care, and sick leave compensation.
PHI can be purchased and may offer a more extensive ranges of services.