Health insurance: compulsory insurance additional contributions & cases of hardship

Statutory social insurance in Germany includes health, pension, nursing care, unemployment and accident insurance. The most important insurance, however, is the Health insurance. Because it is mandatory insurance for everyone.

Health insurance

Until a few years ago, you could also stay without health insurance if you were self-employed or had a Minijob had.

Since the April 2007 is unfortunately something else: Now absolutely everyone has to insure except without exception health insurance. For health insurance, if necessary, everyone should catch a parachute. The consequences, however, can be correspondingly hard.

Pay back contributions retroactively!

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Since April 2007 are Peoplewho have not previously had health insurance are compulsorily insured. Only: Not everyone knows about it yet. However, ignorance does not protect against payment.

Since April 2007, even those who do not know that they are now required to have health insurance have to pay the premiums retrospectively as soon as they are "caught". This also applies if you are still voluntarily insured. There come fast a few hundred or even more than 1000 euros together.

For whom applies which insurance?

• If you have a pre-insurance period (see the contribution to the statutory health insurance), you can voluntarily continue to take out insurance at the beginning of your self-employment in a statutory health insurance.
• If you are not insured for more than six months voluntarily in a statutory health insurance, you can insure yourself with a private health insurance company for a cheaper basic tariff.
• In all other cases, you must be privately insured for conventional rates. Of course, you can choose this option voluntarily.

Free choice among all insurance companies

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Apart from these Regulate now you have the free one Choice under all insurances. So find the best insurance and the cheapest tariff for you and fill out the application for admission – many insurance companies now make it very easy online.n

Quite clumsily, the legal situation was changed again - if only temporarily. Actually, since 2007 all, yes really all health insurance should be.

What does the scheme look like?

Since April, all those who weren't yet, but who had previously been in statutory health insurance - even if it was a baby ... In July, the rest of the people who had never, really never been in a statutory health insurance company, should be , insure in a private - forced by law.

The private health insurance companies should develop a special standard tariff and change the 2009 into a basic tariff again. A rate that is not more expensive than a statutory health insurance so that it is affordable.

Too complicated for insurance ...

That was probably too complicated for the private insurance - or too expensive, since the private course have no interest in insuring poor and sick people. Apparently, there seems to have been a few complications because now:

Who ever was in a private health insurance and can never (or must?) Remain in a statutory health insurance until 2009 is uninsured and has to be accepted.

The agony of choice

Only those who have never been previously insured with health insurance have the choice to be insured legally or privately, or decide which job they have.

Those who need to or want to go to private health insurance must be included in the comparatively low standard tariff since July 2007. This standard tariff is then to convert 2009 to the base tariff.

The choice rates of health insurance

Some health insurance companies are now supposed to offer optional tariffs to the insured Costs relieve. As of mid-June 2007, optional tariffs have only been approved by the supervisory authorities for six national health insurance companies.

National supervisory authorities have also approved offers from the respective regional AOK. Further tariffs are to follow. However, many offers are confusing. What are the possibilities for saving money?

Tempting but expensive?

Many offers sound tempting. However, according to Info.markt, the consumer magazine of the SWR, it can very quickly become very expensive - namely, if you had to go to the doctor and lose his bonus.

With a change to a more affordable cash register, most expensive insured persons can save more. At choice rates, it is also necessary to calculate exactly what is really to be saved. Anyone who regularly needs medical treatment can hardly benefit from the election tariffs.

No additional costs?

Some health insurance funds, such as the Commercial Health Insurance (KKH), offer a contribution reimbursement if you do not have to see a doctor. There are no additional costs for insured persons. Other funds make reimbursement dependent on participation in precautionary measures, such as the Gmünder Ersatzkasse (GEK).

Additional contributions to health insurance

Various health insurance funds have already announced the levying of supplementary contributions from February this year. However, if you get unemployment benefit II, the supplementary contribution can be accepted in case of hardship. How does it work?

The supplementary contribution can be taken over by recipients of unemployment benefit II or social security benefits by the primary insurance authorities if the change to a health insurance fund, which does not charge additional contributions, is particularly hard.

This is the case, for example, if the current health insurance provider offers special forms of treatment that are required, expectancy periods for premium payments are lost, or the benefit is terminated in the foreseeable future.

What are the hardships?

In agreement with the Federal Ministry of Labor and Social Affairs, further cases of hardship have now been described which do not necessarily require a change of health insurance. This also applies, inter alia, if:

• the previous health insurance has already granted certain benefits, such as a rehabilitation measure or cure,
• certain benefits or resources for the severely handicapped should be returned or
• this would mean the termination of a commenced permanent treatment.

The particular hardship must be proven by the service recipient. Application forms are provided by the basic social security offices or are in the Internet of the BA under “Forms for citizens” available.

Supplementary contribution is deductible from income

Achieves a recipient of unemployment benefit II Income, which is offset against unemployment benefit II, the additional contribution, like the general contributions to statutory health insurance, can be deducted from income. Therefore, in these cases, no reimbursement is made by the basic social security offices.

In general, it is not possible to pay the costs for unemployment benefit I recipients by the Employment Agency. The supplementary contribution is therefore payable directly from the insured person to the health insurance.

family insurance

A private health insurance is required as soon as the total income (including any income from renting or capital is included) is regularly more than 350 € per month or as soon as you work more than part-time (= more than half-day).

In a mini job you are allowed 400 € per month to earn, but as a freelance artist or publicist only 325 €. And be careful: family insurance expires automatically as soon as you exceed one of these limits. And that also applies retrospectively if the health insurance company only finds out later! There is no free family insurance in private health insurance.

Health insurance for retirees: What is KVdR?

What is actually the health insurance for retirees and who can join your? The KVdR is the statutory health insurance for pensioners. Compulsorily insured are retirees who were compulsorily insured under statutory health insurance during their working life (= 9 / 10 of the second half of the time since the first time a work was taken).

The periods of compulsory membership include family insurance (in the case of a compulsorily spouse).

As a self-employed person in the KVdR?

Self-employed persons only have a chance if, for example, they were compulsorily insured through KSK. Retirees and pension insurers contribute half of the contributions.

Retirees, who are voluntarily insured under statutory health insurance or privately insured, receive a subsidy for their pension.

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