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Private insurance coverage does not automatically have to be expensive
Private health insurance (PKV) does not always have to be expensive, instead there are quite affordable offers that offer good benefits. A current test by the magazine "Focus Money" and the insurance experts from Franke and Bornberg shows which insurers are suitable here and what they offer the insured.
"Focus Money" tests "affordable protection for higher performance"
In a current test, the magazine "Focus Money" (issue no. 40 from September 25, 2013), together with the insurance experts from Franke and Bornberg, took a closer look at the offers of private insurers. The focus was on the so-called "balanced tariffs", which means within the framework of the PKV the offers that offer "affordable protection for higher services". In order to fall into this category, the tariffs had to have certain features, such as at least 60 percent coverage for dentures, 2-bed rooms in the hospital or the general reimbursement of medical elevators.
Test winners: Allianz and Debeka The test winners in the "Classic Protection" category were Allianz (AktiMedPlus90P, AktiMed WechselOption) and Debeka (N, NG), both of which, according to Focus Money, "top performance at affordable premiums with excellent credit ratings" would offer. In detail, this means that in the outpatient area - for example, for costs for the naturopath - from the alliance "90% up to a maximum deductible of 500 euros, beyond 100% to a maximum of 1000 euros", while the "Debeka 90% up to a maximum deductible of 400 euros, beyond that the entire cost ”.
Debeka with generous teeth treatments There are also small differences among the test winners in the stationary area. According to the magazine, Debeka would assume "the entire sum for the treatment of the chief doctor and accommodation in a double room", while Allianz would only "pay the total costs from a deductible of 500 euros, before the insured person must pay 10% themselves." Dental treatment, on the other hand, shows that Debeka is somewhat more generous according to the test: here, dentures, treatment and prophylaxis would generally cover more than 80% of the costs, while the alliance would only pay for dentures for "65% up to a maximum deductible of 500 Euros ”, and then for 75%. In the case of dental treatment and prophylaxis, Allianz also assumes 90% of the costs up to a deductible of 500 euros, and according to the magazine, the insurance would also cover the entire costs.
Caution with very cheap "lock offers" Caution should, however, apply with very cheap offers, because "if you get too cheap and accept gaps in insurance cover, you will have to expect to remain at a later cost in the event of illness", says insurance expert Michael Franke von Franke and Bornberg towards Focus Money. Instead, you should always check carefully whether the respective offers really offer sufficient performance. According to the expert, it is also important that there is the option of increasing the existing protection at any time and thus being able to adapt it to the respective living situation. (No)