Complex sentence: Germany has a universal multi-payer system with two main types of health insurance: law enforced health insurance (or public health insurance) ("Gesetzliche Krankenversicherung (GKV) ") and private insurance ("Private Krankenversicherung (PKV)").
Split into simpler sentences: Germany has a universal multi-payer system with two main types of health insurance. There are two separate systems of health insurance: public health insurance ("Gesetzliche Krankenversicherung ") and private insurance ("Private Krankenversicherung").