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By Simone Janson (More) • Last updated on October 11.02.2008, XNUMX • First published on 11.02.2008/XNUMX/XNUMX • So far 4385 readers, 1114 social media shares Likes & Reviews (5 / 5) • Read & write comments
If you want to benefit from certain benefits, but you do not want to forgo the benefits of a statutory health insurance, you can continue to insure yourself by law and also secure certain benefits once again.
Private health insurances offer various supplementary insurances from hospital full-cost insurance to hospital daily allowance and hospital supplementary insurance to sick leave insurance.
This Alternatives is more expensive, but also guarantees optimal performance. And: You can cancel such supplementary insurance at any time. In the selection proceed as described above.
If you have private health insurance, you must take out private long-term care insurance. Their minimum services are prescribed by law; the contributions are independent of income and increase with the age of entry; in contrast to private Health insurance are children (but not spouses) without their own Income insured here free of charge.
After the first five years of insurance, in which risk premiums may also be levied, the contribution may not exceed the maximum contribution in statutory health insurance. Inquire at various private health insurance because of the conditions.
If you are traveling abroad frequently for business or pleasure, you should know that health insurance is only payable in the EU and some neighboring countries (Switzerland, Turkey, Tunisia), but not in overseas, for example. Private health insurances are also valid there, but only for one month each, and do not include return transport to the home country just like the statutory insurance companies.
For a little less than 10 euros a year, you can close this gap with private health insurance for travel abroad. Such policies are valid for one year, but usually only six weeks or 45 days per trip - with some insurance companies not at all if a trip is planned for more than six weeks. If you longer travel do, you must clear pay higher premiums. And: Some insurers expressly exclude business trips from their travel health insurance.
There are some criteria that can help you choose the right health insurance: here is an overview of the most important:
Tip: If you have limited the choice of insurance due to the numerous criteria, you should now obtain a few comparison offers from different insurance companies - not with the help of a comparison table, but personally and binding. Because: In the case of certain ailments and previous illnesses, private insurance companies charge risk surcharges that can destroy all the beautiful sample calculations from the tables. Or they refuse admission altogether in a risky case. Women pay up to 60 percent more than men and also for older people People the contributions are higher.
If you are entitled to a reduced contribution in the statutory or also in the private health insurance or health insurance, you can conclude for the loss of earnings in case of sickness a private sick leave money insurance.
If you are legally insured, you should compare the private and statutory funds, as conditions of the statutory funds are generally better. If your own health insurance requires too much, it is worth a change.
The tariffs for a sick leave allowance of 50 Euro from the 15.Krankheitstag vary according to the age of entry and gender in the order of magnitude between 25 and 125 Euro per month. The lower the sickness benefit to be paid and the later the start of payment, the cheaper it becomes.
From when and how much Insurance should pay can be specified arbitrarily; the contribution depends on the amount of the daily allowance, the first day of payment, the Age upon entry into the insurance and gender.
A payment can be agreed at the earliest from the fourth day of illness - the premiums for this, however, are correspondingly high. The tariffs are very different depending on the cash register, also here the procedure described above to conclude a private insurance is recommended. Sometimes, instead of sickness allowance insurance, disability insurance (more on that below) makes more sense. Compare the rates and benefits very carefully.
The insurances are legally obliged to check whether the insured persons are actually unable to work and make unannounced visits to the house. In addition, you will only get the actual loss of income.
If you had no income before the illness or your income was lower than the amount of the daily allowance that you have insured, in case of doubt, only the average net income of the last twelve months will be replaced. Therefore, do not set the amount of the insured daily allowance too high, otherwise you will pay unnecessarily high contributions. Health and pension insurance for artists and publicists.
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Simone Janson is publisher, Consultant and one of the 10 most important German bloggers Blogger Relevance Index. She is also head of the Institute's job pictures Yourweb, with which she donates money for sustainable projects. According to ZEIT owns her trademarked blog Best of HR – Berufebilder.de® to the most important blogs for careers, professions and the world of work. More about her im Career. All texts by Simone Janson.
Insanely well-made website, since I am a specialist, I can say: Behind your blog is really a lot of work.
Hello Mr. Trenz,
Since I am not authorized to provide legal information according to the Legal Services Act, I am not allowed to answer your question, which is obviously aimed at whether the health insurance company can legally make house calls. However, I found this thread for you: http://www.frag-einen-anwalt.de/forum_topic.asp?topic_id=40352&ccheck=1 The lawyer's answer should answer your question. Kind regards Simone Janson
do I really have to accept unannounced house visits from representatives of private health insurance even though I am sick through a doctor?
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