The cheapest Solution, join a private Health insurance to insure is the standard rate so far.
- What is the standard rate?
- Obligations of private insurers
- Conditions
- Changeover to the basic tariff
- Change between insurances
- As of 2009, the following provisions apply to retirement provisions in the basic tariff:
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What is the standard rate?
The standard tariff is a sector-specific tariff in the private health insurance (PKV) and has fulfilled a social protection function since its introduction 1994. It is primarily aimed at older insured persons who need a cheap rate for financial reasons.
If the legal requirements are met, privately insured persons can only switch to the standard tariff within the respective insurance company. The scope of services is based on the service catalog of the statutory health insurance (GKV). The amount of the contribution depends on the previous insurance period and the Age of the insured person, but must not exceed the average maximum contribution of the GKV for individuals or 150 percent of the maximum contribution from the GKV for married couples.
Obligations of private insurers
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With the GKV Competition Strengthening Act (GKV-WSG), the private insurance companies have been obliged, especially for this person who has lost their private health insurance cover or never insured were to offer a new standard tariff from July 2007 – the so-called modified standard tariff.
The following applies to this modified standard tariff: If the legal requirements are met, the companies may not refuse insurance under the modified standard tariff.
Conditions
- Due to previous illnesses, no risk premiums may be charged or exclusions may be agreed. The amount of the contribution depends on the age and sex of the insured, but not on his state of health.
- There are no age restrictions for access to the modified standard tariff.
- Both the conventional and the modified standard tariff will ensure medical treatment.
- The monthly contribution for individuals must not exceed the average maximum amount in the SHI. That's about 2007 Euro in year 500. Depending on the age of entry, however, the contribution can also be significantly lower. In addition, special provisions apply to insured persons with a low income in the modified standard tariff: If there is a need for financial assistance (in accordance with the regulations of the Social Security Code) or is this due to the payment of the health insurance contribution, the contribution is halved. And those who can not pay this reduced fee will receive a grant from the Jobcenter or Sozialamt.
Changeover to the basic tariff
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As of January 1, 2009, the contracts that the returnees have concluded in the modified standard tariff will be converted to the new one. Then there are also full options for switching in favor of the insured person and a general one in the area of private health insurance mandatory for insurance.
The insured can Future switch between insurance companies more easily. For this purpose, the aging provisions of the insured person are transferred to the extent of the basic tariff when changing insurance.
Change between insurances
So far, the competition of private insurance companies was mainly limited to the recruitment of young (healthy) insured persons, while for older insured a change of insurance was often associated with significant premium increases and thus in fact took place only very rarely.
The reason: In the event of a change, the so-called "aging provision" - that is the amount that insureds save for smoothing out their (otherwise higher) old-age contribution from their premiums - could not be taken to the new insurance company. Choppers therefore had to completely rebuild their aging provision, which made their contributions to the new insurance significantly more expensive. In fact, the change was impossible for many years PKV insured.
In the future, a PKV insured person can take his aging provisions to the extent of the basic tariff when moving to another private company. He is then placed in the new company as if he had entered there at the age at which he had concluded the original insurance contract in the old company. For tariffs which go beyond the basic tariff in the scope of services, which include services that are, for example, included in supplementary insurance schemes for statutory health insurance, portability is introduced at the level of the basic tariff.
As of 2009, the following provisions apply to retirement provisions in the basic tariff:
- Uniform performance specifications for which a contribution to the aging reserves is to be possible
- Contracting obligation of insurance companies
- Risk compensation between companies
For people with private health insurance who take out a new health insurance contract after December 31.12.2008, 1, portability applies without restriction to the extent described. For insured persons who concluded a health insurance contract before January 2009, 1, there is a temporary option to switch: You can only switch to another company within a period of six months from January 2009, XNUMX, taking with you the aging provisions to the extent of the basic tariff. Under certain conditions, these “old insured” can also work for an unlimited period of time within their Company switch to the basic tariff, taking the aging provision with you.
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