> In Germany, insurance covers everything over 0€. [...] If expenses for illnesses exceed a certain amount in a year (about 3000€), it can be deducted from taxes
But how can you have anything to deduct if insurance covers everything over $0?
You can go to a private doctor even if you are not in a „private insurance“ and pay him by yourself (Selbstzahler). He can prescribe meds which are not covered by the public insurance. So you have to pay them by yourself. That’s just one example.
But how can you have anything to deduct if insurance covers everything over $0?