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Health reform & health insurance: an overview of old & new regulations
The financing of the (SHI) will be redesigned with the introduction of the health fund. From January 1, 2009, all contributors will pay the same contribution rate. This means that uniform contribution rates also apply to statutory health insurance, as is already the case in statutory long-term care, pension and unemployment insurance. How does the system work? The federal government provides a flat-rate payment for expenses...
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Health reform & health insurance: What will change for everyone who is not compulsorily insured?
If you are not compulsorily insured in a statutory health insurance scheme, you, for example as a self-employed person, previously had the choice of whether you wanted statutory, private insurance or no insurance at all. That changes with the health care reform, because from 2009 there is a general obligation to take out insurance. Since 2007, for those formerly legally insured and those who have never been insured, she began…
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Health reform & health insurance: private health insurance tariffs
The cheapest solution to insure yourself with private health insurance has so far been the standard rate. What is the standard rate? The standard tariff is an industry standard tariff in private health insurance (PKV) and has fulfilled a social protection function since its introduction in 1994. It is aimed primarily at older insured persons who need an inexpensive tariff for financial reasons. The change…
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Health reform & health insurance: Private health insurance - benefits
If you enjoy certain services but do not want to forego the benefits of statutory health insurance, you can continue to take out statutory health insurance and also secure certain services again. What does private health insurance offer? Private health insurance companies offer various additional insurances from hospital full cost insurance to daily hospital allowance and additional hospital insurance to daily sickness allowance insurance. This alternative is…
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Health reform & health insurance: private health insurance & contributions?
As has been the case up to now, “normal” employees below a certain income limit have no choice as to whether they want to take out statutory or private insurance: they are compulsorily insured in statutory health insurance. Changing to a private health insurance fund is made more difficult Changing to a private health insurance fund is made even more difficult: people with compulsory insurance may only switch to a private health insurance fund if their income…
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Health reform & health insurance: Voluntary tariffs in the GKV
In addition to the optional tariffs prescribed by law, there are a number of voluntary tariffs from health insurance companies. A minimum commitment period of three years applies to all tariffs that the health fund can offer voluntarily. This means that the insured commit themselves to such a tariff for their health insurance company for this period. When can you switch? Before the expiry date, the health insurance company can…
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Health reform & health insurance: optional tariffs in the statutory health insurance
If you are compulsorily insured as an employee in the statutory health insurance fund, you only pay the employee share, i.e. half of the contribution rate of your health insurance company. If you voluntarily take out statutory insurance, as a self-employed person you pay the full contribution yourself, i.e. employee and employer contributions. The contribution rates The contribution rates vary between 11,8 and 15,5 percent of the relevant income in…
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Health reform & health insurance: Statutory health insurance
In the coalition agreement between the CDU, CSU and SPD of November 2005, the coalition parties agreed on a reform of health insurance, which should take into account the rising costs of health care due to medical progress and demographic change. Finding compromises The aim was to find a compromise between the models for the health premium formulated by the Union parties in the 2005 federal election campaign and…
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Health insurance for the self-employed: Private health insurance & sick pay
If, as a self-employed person, you do not fulfill the pre-insurance period, you have no choice: you must take out private health insurance. What do you need to know about this? Private health insurance for the self-employed As a self-employed person, you can switch from statutory to private health insurance at any time - only the return is more difficult because you are younger than 55...
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Mini-job, mid-job & health insurance: health insurance with mini-job
Health insurance for mini-jobs, the so-called 400-euro jobs, is not partly covered by the employee, unlike with a normal job. What options does a mini-jobber have to insure himself? Is this billed annually or monthly? Recently, the question arose in the forum as to whether the earnings from mini jobs should be paid for the whole year or monthly...
