treacle In Germany the poor/elderly/vulnerable can and do of course still access health-care, which is free at the point of use. Everyone pays health insurance but there is public insurance which is a percentage of your income (around 14%) and which is paid for by the state for those in receipt of many benefits (not child benefit which is universal). Nobody is without health insurance whatsoever as the state pays it if you are poor, and if you are earning it is deducted from your pay before you even see it. People on higher salaries can opt out of public health insurance as long as they can prove they are paying private insurance but in all honesty that is a double edged sword - cheaper premiums when young and healthy, high premiums later and hard to opt back in to public unless your pay drops below a certain level. My DH earns over the threshold but chooses to stay with public health insurance.
And what are the hospitals like compared to ours?
In my experience better. I've lived here ten years and had two babies here by caesarean section, had an emergency hospital stay for a separate reason, and had a child in hospital here for ten days. My mother in law has been in hospital here for the last three months - home for a few days twice during that time. I've also had a baby in the UK on the NHS, also a caesarean.
The in patient care here is worlds better. The acute medical care seems about the same, but the all 'round treatment of patients, the nursing care, the hospitals themselves, the facilities, the atmosphere, the time available for patients is so much better in Germany than on the NHS its almost impossible to compare.
No visitors stay overnight unless with a child. I stayed in hospital with my daughter when she was ten and had a bed to sleep on provided, in a room designed for that, but overnight guests do not sleep in rooms with adult patients.
There are two bed rooms but at least they are en-suite - that's with bog standard public insurance, the kind that the state pays for if you are unemployed and that costs 14% ish of your income even if you only work part time on a low wage.