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

As has been the case up to now, “normal” employees below certain income limits have none Choicewhether you want statutory or private insurance: You are in statutory Health insurance compulsorily insured.

Switching to private funds is made more difficult

Switching 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 you Income three years in a row (instead of one year previously) was above the compulsory insurance limit of 3975 euros per month. Only those who are not compulsorily insured can insure themselves with a statutory health insurance company.

But unfortunately it is selection suitable private health insurance clear more complicated than with the statutory funds, whose services are largely identical and therefore enable good comparability. The private health insurers, on the other hand, are free to set their services and tariffs and make use of this option. So that you don't get an overview of the multitude of offers verlieren, you should carry out the selection purposefully and step by step.

The services of the private coffers

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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.

The more services, the more expensive it becomes. Therefore, first consider which services you need: Is basic medical care at the basic rate sufficient for you or do you want treatment by a chief physician in the hospital? The following checklist should you at the decision help.

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
• Reimbursement also for entspiegeltinted or tinted glasses
• 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

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Once you have made it clear what you want, you should get an overview of the offers. Numerous comparison sites in the Internet, on which you can enter at least a limited number of options and thus get 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

When choosing your private health insurance, pay attention not only to a favorable price-performance ratio, but above all to the contribution stability, because you choose yours Insurance probably for the rest of your life.

A return to statutory health insurance is only possible if you are again subject to compulsory insurance as an employee by the age of 55 and less than the annual compulsory insurance limit to earn.

Check the seriousness of insurance

To protect yourself from such nasty surprises, you should use various criteria to check the seriousness of different insurance companies. Ask Check there yourself or consult independent institutions such as the consumer advice center or an insurance broker. You can also search for the experiences of other insured persons in Internet forums. The following checklist shows you what to look out 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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