Basic PKV tariff is increased

The maximum contribution rate from the basic PKV tariff is increased: the private health insurance sets a new maximum contribution for the basic PKV tariff. This creates a new employer share for employees of privately insured persons.

In the course of the health care reform, the contributions of the statutory health insurance companies have increased. In addition, the Federal Government has decided to make the access requirements for a switch from statutory health insurance to private health insurance considerably easier. This in turn affects all private health insurance companies, which now have to adjust their tariffs accordingly.

Employer's share is frozen As part of the health care reform, the maximum contribution to the basic tariff was adjusted and the employer's share adjusted. The employer's share has been fixed at 7.3 percent and will not increase further in the event of future increases in cash contributions. The real goal of the health care reform is to relieve the financial burden on employers. By freezing the employer's share, a decoupling of non-wage labor costs from health costs was achieved. The black and yellow coalition has deliberately implemented the principle of solidarity of parity financing. Health economists predict that social change will make people older and older. In addition, new technical achievements in the field of medicine bring better and better chances of healing, however, health insurance companies will complain about ever higher expenses at the same time. Ultimately, the additional expenses are then passed on to the insured, who in turn have to pay higher premiums. The employers are spared the increases in the cash contributions, since their share never exceeds 7.3 percent. This new regulation affects private and statutory health insurers to the same extent.

The maximum contribution rate of the basic tariff will be adjusted. One example is the change in the base rate contribution rate. Since the tariff is based on the SHI premium increases and the new contribution assessment limits, the maximum amount of a basic tariff increases to EUR 575.40 per month. This means that a private health insurer does not have to pay more than this amount. The basic tariff is a uniform tariff in the private health insurance industry and is based on the services of the statutory health insurance companies. Regardless of whether someone is sick or old, insurers must not reject inclusion in a basic tariff. The basic tariff was introduced in order to make compulsory insurance possible for privately insured people who are financially disadvantaged.

Entitlement to an employee's share of employed, privately insured employees Employees with private health insurance are entitled to an employer's share. The respective amount of the employer's allowance is based on the regular contribution ceiling. The current contribution ceiling is 44,550 euros per year or 3712.50 per month. Any further income above this is no longer included in the calculation of the health insurance contributions. The subsidy is 50 percent of the insurance premium. However, only the sum of the maximum contribution for the statutory health insurance is measured. This means that the employer's share is never more than 296 euros per month. Up to a monthly premium of 592 euros, people with private health insurance actually receive a 50 percent employer share. The insured person must bear all amounts above this alone.

Addendum: The maximum rate of the basic PKV tariff has not risen, but has decreased slightly. In 2010 the maximum rate was 581.25 euros per person. In 2011 the maximum rate was EUR 575.40 per insured person. (sb)

Also read:
Hartz IV judgment: Entitlement to full costs of the PKV
New special regulations for changing PKV
Separation of PKV and GKV a phase-out model?
Private health insurance: that is changing
The health care reform comes into force
Private health insurance contributions are increasing

Image: Rainer Sturm /

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