Health reform and health insurance: private health insurance and contributions?

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As previously valid, "normal" employees below certain income limits have no choice whether they want to take out statutory or private insurance: they are compulsorily insured in the statutory health insurance.

Health reform and health insurance: private health insurance and contributions? Health reform and health insurance: private health insurance and contributions?

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Simone Janson Simone JansonSimone Janson is publisher, German Top20 blogger and Consultant for HR communication.


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Switching to private funds is made more difficult

It is even more difficult to switch to a private bank: Compulsory insured persons are only allowed to switch to a private bank if their income has been higher than 3975 Euro per month for three consecutive years instead of one year. Only those who are not compulsorily insured can insure themselves in a statutory health insurance fund.

Unfortunately, the selection of a suitable private health insurance is much more complicated than in the case of the statutory health insurance funds, whose services are largely identical and therefore allow for a good comparability. The private coffers, on the other hand, can define their services and tariffs freely and make use of this possibility. To ensure that you do not lose sight of the multitude of offers, you should make your selection and step by step.

The services of the private coffers

The services of private individuals are significantly more extensive than those of the statutory health insurance funds. The amount of the contribution depends on the sex, age of entry and pre-existing illnesses - and on the benefits.

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The more services, the more expensive it gets. Therefore, first of all, consider which services you need: Do you have basic medical care at the basic rate or do you want to have a head physician treatment in the hospital? The following checklist should help you with the decision.

Checklist: What services can you expect from private health insurance?

  • Preferred treatment in the doctor's office
  • free choice of medical doctors
  • few waiting times by appointment agreement
  • at any time doctor's change without referral
  • newest - alternative or very expensive - treatments and medicines
  • free prescription of all medicines
  • Free of charge for all medicines and medicines
  • free choice among licensed medical practitioners
  • Natural healing procedures and alternative healing methods, eg massages
  • Costs also for anti-reflective or tinted spectacle lenses
  • Costs for spectacle frames between 100 and 250 Euro
  • Reimbursement for hard or soft gas-permeable lenses
  • European or worldwide validity without additional contributions
  • free choice of the hospital
  • Chief physician treatment
  • Accommodation in single or double room
  • Hospital Cash
  • no share of hospital costs
  • free choice of dentist, no favoring inexpensive materials
  • Reimbursement for dental treatment up to 100 percent - also inlays will be refunded
  • Costs for dentures up to 100 percent. Also implants and expensive dentures are paid
  • Costs for orthodontics up to 100 percent
  • Performance according to the agreed rate of sickness insurance, until full
  • net income
  • programs

provide overview

Once you have understood what you want, you should get an overview of the offers. A number of comparison sites on the Internet give you a first aid, in which you can enter at least a limited number of options and thus gain a first impression of which health insurance is suitable.

If you are a member of a professional association, ask if there is a favorable group contract for members who can save a few percent.

Not only the price counts

However, when choosing your private health insurance, you should pay attention not only to a favorable price-performance ratio, but also to the stability of your contributions, since you choose your insurance for the rest of your life.

A return to the statutory health insurance is only possible if you are up to the 55. As an employee, and earn less than the annual insurance requirement.

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Check the seriousness of insurance

In order to protect you against such nasty surprises, you should check the reliability of various insurance companies using various criteria. Ask for it yourself or consult independent institutions such as the Consumer Center or an insurance broker. In addition, you can search for the experience of other insured persons in Internet forums. The following checklist shows you what to look for:

The map report provides a comprehensive, critical and objective rating of 17 health insurance. The m-rating compares the long-term market development of the insurance companies in the last 30 years, the p-rating the short-term development in the last 5 years on the basis of data such as balance sheet ratios or complaints.

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