Now health insurance debt relief

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New regulation enables temporary debt relief from health insurance

Contributors and persons who do not have health insurance should take advantage of the opportunity to cancel their debts and return to health insurance, which the legislator gave them by the end of the year with the "Law to Eliminate Social Excessions on Contribution Debt in Health Insurance" a current message from the Consumer Advice Center North Rhine-Westphalia.

"Above all, those who are not yet covered by health insurance or who are temporarily without health protection shy away from going to a health insurance company", mostly because of the additional demands that have also become due for the period without health insurance since the introduction of compulsory insurance, reports the consumer advice center. It is not uncommon for contributions in this way to amount to several thousand euros. In order to free those affected from the debts and to enable them to return to health insurance, the legislature has opted for a temporary new regulation.

Temporary new regulation relieves contributors From August 1st until the end of the year, the new regulations apply to contributors to health insurers. According to the Federal Ministry of Health, "those who benefit, in particular, are those who are late in the statutory health insurance or who have not yet registered with a health insurance provider despite the compulsory insurance that has existed since April 1, 2007, thereby accumulating contribution debts, but who have never used any benefits." Those affected should be loud Notice from the ministry "Report to the health insurance company by December 31, 2013, you will get the premium debt for past periods as well as the late payment surcharges and can fulfill your insurance obligation." Even people who already have a statutory health insurance, but still owe contributions, benefit from the new regulation, because according to the Federal Ministry of Health, the late payment surcharge is permanently reduced from five percent to one percent.

Emergency tariff for private health insurance (PKV) In addition, the law "introduces an emergency tariff for defaulting contributors in private health insurance", reports the Federal Ministry of Health. According to the consumer advice center of North Rhine-Westphalia, privately insured persons who are unable to pay their contributions will in future be classified - even retrospectively - into an emergency tariff. The so far not insured will also be waived of the so-called premium surcharge when joining private health insurance, which would be charged for the insurance-free period due to the compulsory insurance. According to consumer advocates, this is usually calculated "from a full monthly contribution for the first six months and a sixth for each additional month."

Facilitating a return to health insurance The Federal Minister of Health Daniel Bahr emphasized that "everyone in Germany should have health insurance coverage for the necessary benefits, regardless of previous illnesses, age, gender and income." Of course, contributions would also have to be paid for this - "that is what they expect Solidarity community ”, but since the introduction of compulsory insurance, those who were not insured were“ caught up in a maelstrom of high late payments and premium debts. ”These people should be helped to start paying the premium and return to insurance cover. The privately insured are also offered the option of affordable health insurance coverage with the emergency tariff. "This regulation is a great relief for those affected," concluded the Federal Minister of Health.

No cancellation of debts from regular contributions According to the Federal Ministry of Health, the new regulations "on the one hand make financial relief for those affected noticeably easier, and on the other hand the principle of fairness of contributions is maintained vis-à-vis paying members of the solidarity community" because the regulations on debt relief "only apply to the Limit the period of the retrospectively determined insurance obligation ” During this period, no benefits were generally granted anyway or no costs were incurred. "There is no provision for the regular contributions to be waived, for example for self-insured self-employed who are in default", as these were able to claim benefits despite contribution debts and, in contrast to many unregistered members, were aware of the obligation to pay contributions, the ministry reports. (fp)

Image: GG-Berlin /

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