Edited sentence: Discussions about the benefits of the 2 parallel systems:.Especially for young working singles the premiums for public insurance are higher than in the private system.Generally the private system gives its members a good protection at young age, allowing doctors to charge higher fees and offer wider services.However with increasing age the private premiums rise, when having children and family there is a premium for each individual and there are only very few ways to go back to the public system.That may make doctors, in whose region the budget has been overrun, to postpone treatments to the next budget period, therefore deteriorating patients service.The public system is working with budgets for regions and treatment types.Therefore private patients find it typically easier to get a treatment