Health insurance lowers contributions for the elderly

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Debeka announces stable contributions

The private health insurance company Debeka wants to lower the premiums for its around 100,000 older members at the turn of the year. In addition, the contribution rates for all other privately insured should remain stable, as the insurer in Koblenz announced.

The insurance group "Debeka" with its approximately 2.2 million privately insured is one of the largest German providers in the private health insurance industry. As the company announced, the contributions are not adjusted as with the majority of the competitors. "Debeka will keep membership fees stable in 2013," the insurer said. In addition, the contribution payments for the approximately 100,000 older members are to decrease. Seniors in particular are struggling with increasing contributions in old age because the contributions in PKV are not based on income.

According to its own statements, the market leader in private health insurance wants to “refute statements by political opponents of the system, who repeatedly claim that the insured's premiums are increasing and that the private health insurance is no longer sustainable”. The reason for the "premium stability" is a "sustainable and solid tariff policy with only moderately increased insurance benefits". CEO Uwe Laue said: "We can already say today that almost all insured persons will benefit from stable health insurance contributions in the coming year." It can even be assumed that "we can slightly reduce the premiums for around 100,000 older insured persons. I'm excited How the media are reacting to this development: If massive premium adjustments in the private health insurance are reported again, this definitely does not apply to around a quarter of all private insured persons in Germany, namely the Debeka members. " The senior chairman did not make any contributions to senior citizens.

Stable contributions and reduced contributions as a political statement
Laue's criticism alludes to the media coverage of the PKV that has been going on for several months. In his opinion, tariff increases in some competitors would be transferred to the whole industry and "stylized". However, such adjustments would only affect a few members of the nine million privately insured in Germany. “It is time to clear up common prejudices and clichés. With its accumulation of reserves for old age, the PKV is much better prepared for demographic development than the GKV, which has no reserves for this. Against this background, private health insurance is more than ever an indispensable part of the German health care system, ”continued Laue.

Some insurers have already announced premium increases
In the meantime, various providers already announced in August that they would increase their premiums at the turn of the year. So-called "newcomer tariffs" are particularly affected. For example, Gothaer or Hallesche are planning to increase contributions in a double-digit range in some collective agreements. To this day, the majority of the industry remains silent about premium adjustments so as not to spoil customers. Industry insiders assume, however, that the majority of private health insurance companies will rather increase premiums. According to the consumer protection journal "Finanztest", the introduction of the unisex tariffs will "increase the contributions on average". Because the tariffs for women must not be more expensive than those for men, providers have to make up for the missing additional surcharges in the tariffs. (sb)

Read on:
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AOK study: private health insurance contributions are increasing steadily
AOK study: premium increases of 2700 euros
PKV cost trap: How affected people can defend themselves
PKV: For nonpayers only emergency care
Health insurance companies: Non-payers cause losses
Private patients flee to the health insurance companies
Health insurance: additional contributions will come again
Complaints about an increase in private health insurance contributions

Image: Ronny Richert /

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