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's share, ie half the contribution rate of your health insurance. If you voluntarily insure yourself by law, you pay as a self-employed person the full contribution herself, ie the employee's and employer's share.

The contribution rates

The contribution rates vary between 11,8 and 15,5 percent of the relevant income in the normal tariff, with the increased or reduced contribution rate of course more or less. Unfortunately, the contributions for voluntarily insured are not based on the actual Income calculated, but there is a so-called relevant (minimum) income.

This is usually with 3600 Euro, under certain conditions a reduced contribution rate of 1242,50 Euro is possible. Who one Further Training or a Study or raises children can have their insurance premiums calculated at a reduced rate of EUR 828,59.

special cases

The books on the subject (advertising)

If you are still a regular student, below certain income and weekly working time limits you can apply to the student Health insurance assure. Housewives or students under 25 who earn less than 345 euros a month to earn, can also insure themselves in the family insurance of husband or parents.

If you have statutory health insurance, you also automatically pay contributions to long-term care insurance. All statutory and private health insurers offer long-term care insurance, and it is usually taken out where you also have health insurance. The basic contribution is 1,7 percent of the relevant income. If you have no children, you must pay an additional 0,25 percent of the relevant income. The contribution closes without additional payment the Insurance of all family members with no income of their own.

Who can choose a dial plan?

Since April 2007, health insurance companies have been offering a special optional tariff to those insured who take part in a special form of care. These can voluntarily opt for such a tariff decide.

Insured persons, for whom the health insurance contributions are borne entirely by third parties (for example recipients of unemployment benefits I and II), can only choose these election tariffs! The health insurance company can stipulate in these elective rates that the insured persons receive either a premium payment or a reduction in the payment of the participation.

There is no statutory minimum binding period for such tariffs. If you have not heard of such a tariff from your insurance company: Ask you after. The insurance companies must offer these tariffs.

For the following forms of care there are optional rates

Discounts for your success (advertising)!

Integrated care: Whether an intervertebral disc disease, hip replacement surgery or depression - there are now integrated care options for a variety of illnesses, in which medical and non-medical service providers work closely together. Multiple examinations can thus be avoided, the treatment of patients can be improved.

Area-wide offers for widespread widespread diseases are now also being increasingly developed. It also saves Costs, which now benefits the participating insured in the form of a special optional tariff. This includes:

• Special outpatient medical care: Here, for example, health insurance companies and doctors have specific offers for a particular medical condition or for the medical care of a region.
• structured treatment programs for chronic diseases (DMP): For the chronically ill, continuous, well-coordinated treatment is particularly important. Thanks to so-called structured disease management programs (DMPs), medical care can now be sustainably improved here. Whether for diabetes mellitus type 1 or 2, coronary heart disease, bronchial asthma, chronic obstructive pulmonary disease (COPD) or breast cancer: Millions of insured now benefit nationwide from the programs. For patients participating in these programs - with regular medical check-ups, high-quality medical services and training programs - the health insurances have been required to offer 2007 a special optional tariff since April.
• Model projects: Some insurers provide their insured with specific treatments in so-called model projects, for example, body acupuncture for the treatment of chronic pain. Insured persons who participate are entitled to a specific election tariff.
• Homeopathic care / homeopathy: If you register here and always go to the family doctor in the event of illness, you will be freed from additional payments or practice fees or get other bonuses. Participation in the ambulance models is voluntary for the insured and physicians.

Top books on the subject

Read text as PDF

Acquire this text as a PDF (only for own use without passing it on according to Terms and conditions): Please send us one after purchase eMail with the desired title supportberufebilder.de, we will then send the PDF to you immediately. You can also purchase text series.

4,99€Buy

Advice on success, goal achievement or marketing

Do you have questions about careers, Recruiting, personal development or increasing reach? Our AIAdviser helps you for 5 euros a month – free for book buyers. We offer special ones for other topics IT services

5,00€ / per month   Book

Book eCourse on Demand

Up to 30 lessons with 4 learning tasks each + final lesson as a PDF download. Please send us one after purchase eMail with the desired title supportberufebilder.de. Alternatively, we would be happy to put your course together for you or offer you a personal, regular one eMail-Course - all further information!

29,99€Buy

Skate eBook as desired

If our store does not offer you your desired topic: We will be happy to put together a book according to your wishes and deliver it in a format of yours Choice. Please sign us after purchase supportberufebilder.de

79,99€Buy