Health reform and health insurance: statutory health insurance



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In the coalition agreement between the CDU, CSU and the SPD of November 2005, the coalition parties agreed on a reform of the health insurance, which should take into account the rising cost of health care through medical progress and demographic change. Health care reform and health insurance: Statutory health insurance Health reform and health insurance: Statutory health insurance

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Find compromises

Overview

It was necessary to formulate a compromise between the models of the health premiums of the union parties formulated in the electoral campaign at the Bundestag election 2005 and that of the SPD's solidarity guarantee service.

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According to this, "in the area of ​​statutory health insurance in 2006, a comprehensive future concept is being developed which is also designed to keep contributions to statutory health insurance at least stable and, if possible, to reduce it."

What is happening?

Overview

In particular, the parties agreed that the health system should be given a more competitive approach with regard to the interaction between private health insurers and public health insurance funds. On July 2006 the party leaders of CDU, CSU and SPD agreed on the cornerstones of the health reform.

As of April 2007, the first stage of this health care reform came into force. In the coming years, our health care system will be substantially reformed. We introduce you to the most important regulations and information on health insurance.

The solidarity principle

Overview

The statutory health insurance is and remains solidly organized: the contributions are graduated according to income, but all members are entitled to the same benefits.

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Anyone who earns much more pays for the same benefits and thus finances the services for poor earners and large families.

Unlike private health insurance, there is no health check, no risk or age supplement; statutory funds are much more obliged to include anyone who meets legal requirements, such as the pre-insurance period. But also everyone who

Checklist: For whom is statutory health insurance useful?

Overview

  • For families in which only one is earned: All family members are insured free of charge.
  • For those who are sick more often, as contributions are calculated independently and you get a health benefit.
  • For older insured persons, since contributions are independent of age.
  • For women, since contributions are independent of sex. Women can also receive a maternity allowance during pregnancy.

How can you enter?

Overview

The statutory health insurance is for many the cheapest form of health insurance. If you are an employee, you are generally compulsorily insured under the GKV and can only leave under certain conditions (more on private health insurance below). However, if you are not an employee, you can only enter the SHI if you meet the pre-insurance period.

This means: If you have been legally insured for at least 12 months continuously before the start of your self-employment or for a total of at least 24 months for the last five years, you can still voluntarily insure yourself in a statutory health insurance. To do this, you must apply for voluntary long-term insurance but at the latest three months after the end of your insurance. The pre-insurance period includes, in addition to working conditions, periods in which you were compulsorily insured through the employment agency, the student health insurance scheme or the parents' family insurance.

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The deadline is important

Overview

Do not miss this three-month deadline! You will later only return to the statutory health insurance if you become a social insurance employee with a certain annual earnings (currently the upper limit is 47.700 Euro) - and that before you are 55!

With this regulation the legislature wants to ensure that even well-earning, young self-employed persons contribute to the statutory health insurance.


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