Health insurers propose mandatory navigation app instead of doctor visit

Germany's statutory health insurers are pushing for digitalization in healthcare. They propose a mandatory digital navigation tool that must be used before visiting a doctor and could issue prescriptions or referrals without medical contact in some cases. The concept aims to better organize outpatient care amid staff shortages and financing issues.

The introduction of a primary care system is set to fundamentally reform Germany's healthcare. Patients will need to consult their general practitioner as the first point of contact before seeing a specialist. However, statutory health insurers are going further, advocating for a digital 'navigation tool' outlined in a concept from the association of health funds, obtained by the RedaktionsNetzwerk Deutschland (RND).

'We must finally bring the German healthcare system into the digital present,' said deputy association chair Stefanie Stoff-Ahnis to RND. The tool's use should be mandatory before visiting a doctor's practice. It is accessible either as a smartphone app or by phone via the hotline 116117.

Through structured questions and data from the electronic patient record, urgency is assessed, and the patient is directed—such as to a GP appointment, emergency room, video consultation, or electronic referral. The association proposes a neutral appointment platform. 'Here, it's finally no longer about whether someone is statutorily or privately insured, but solely about medical necessity,' emphasized Stoff-Ahnis.

In the future, the tool could enable direct specialist referrals or follow-up prescriptions for well-managed chronic patients in certain cases, without doctor contact. 'There will certainly be certain care processes in the future that can be handled purely digitally, without any medical contact required at all,' she added.

On Tuesday, Federal Health Minister Nina Warken (CDU) will discuss the design of the primary care system with associations. A draft law is to be developed in the coming months, with implementation earliest in 2028.

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Illustration of a doctor disappointed by low 3.6% usage stats for electronic patient records in a clinic waiting room.
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Usage of electronic patient record remains low

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Despite new obligations for doctor's offices and clinics, only 3.6 percent of statutory insured use the electronic patient record actively. A survey by the RedaktionsNetzwerks Deutschland among major health insurers shows a slight increase since July 2025. Hopes for stronger usage through automatic filling of the records have not been fulfilled.

Following recent coalition consultations, Federal Health Minister Nina Warken expressed optimism about her savings package to ease pressure on health insurance funds. The mediation committee meets on December 17 to resolve the stalled law, averting potential contribution hikes for millions in 2026.

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In an RND interview, Federal Medical Association President Klaus Reinhardt discusses Germany's high doctor visit rates, which he does not attribute solely to patient behavior. He warns against planned prescribing rights for pharmacists and advocates for a sugar tax as well as smartphone bans in schools. Additionally, he supports a new regulation of assisted suicide with strict protective measures.

Chancellor Friedrich Merz has sharply criticized the high level of sick leave in Germany. At a campaign event in Bad Rappenau, he mentioned an average of 14.5 sick days per employee and questioned its necessity. Health insurer AOK, however, contradicts the assumption that telephone sick notes are responsible.

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The CDU economic council has proposed tax cuts and reductions in social benefits in its "Agenda for Workers," including removing dental coverage from health insurance. The plans face sharp criticism from politicians and associations, who label them unsocial and harmful to creating a two-tier medical system. Even within the CDU, there is discontent.

Prime Minister Mostafa Madbouly has ordered the acceleration of Egypt's Universal Health Insurance system across all regions, targeting five provinces in its second phase, the cabinet said in a statement on Monday. He also reviewed efforts to attract investments to the Golden Triangle Economic Zone.

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German Justice Minister Stefanie Hubig has presented a draft law to relieve administrative courts and speed up procedures. The German Judges' Association welcomes the direction but criticizes the plans as insufficient and demands more staff. A new wave of asylum lawsuits is intensifying pressure on the courts.

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