Thousands switch to private health insurance
The Federal Ministry of Health suspects that up to 60,000 currently legally insured will switch to private health insurance in the coming year 2011. This is made possible by the easier change conditions in the course of the planned health care reform.
The black-yellow coalition expects around 60,000 people to switch to private health insurance next year. The association of private health insurance was less optimistic and spoke of around 19,000 people willing to change jobs in Germany. Nevertheless, the insurance industry can expect at least slight gains in new members, because for many people - due to lower contributions and supposedly more health services - the path to private health insurance appears to be practical and effective.
Change is made easier
From January 1, 2011, the conditions for a change from statutory health insurance (GKV) to private health insurance (PKV) will be considerably simplified. For this purpose, the so-called three-year period was reduced to a one-year period. This means that employees have to earn above the compulsory insurance limit in just one year before they can switch to private health insurance. But the euphoria can quickly fade away despite lower contributions. We show what consumers should pay attention to when considering switching to private health insurance. Once the PKV change has been made, 99 percent of the way back into the lap of statutory health insurance is blocked.
What is the compulsory insurance limit? Instead of the three-year limit, there will only be a one-year limit from January 1, 2011. This means that potential private health insured persons must earn at least over 49,500 euros gross once in the entire year in order to be able to make a change. If this limit is exceeded, consumers should first get comprehensive information. Because the jungle of different PKV tariffs is immense. The first rule should therefore be to pay close attention to your own personal situation, so that you can best compare independent PKV tariffs independently. Corresponding comparison offers can be carried out in large numbers on different financial portals. Once you have selected a tariff, you now have to go to the nearest consumer center with the terms of contract and performance in order to have the contractual conditions checked there. Because caution, once a tariff has been concluded, the later monthly costs for health insurance can increase very quickly.
Pay special attention to your own family life situation If you are unbound, young and have no children, the tariffs appear to be very cheap and tempting. But your own life situation can change very quickly. It should be noted, for example, that private providers are not familiar with family co-insurance. This means that every single child has to be insured separately. Health services such as mother-child cures are also unknown in the private health insurance and are not offered. However, some private health insurance providers do not rule out the prospect of such family combined offers. However, it is doubtful whether the insurance contribution of the statutory family co-insurance can actually be undercut. Family insurance also does not apply to the unemployed partner. Here, too, an extra health check must be carried out and a separate contract concluded.
Change pays off for civil servants by granting the employer A change for civil servants, on the other hand, could be worthwhile, since there is a right to a subsidy here. This means that, for example, teachers are reimbursed a percentage of the medical costs depending on the state and the federal state. The PKV offers special tariffs for civil servants. Officials, judges and pension recipients, professional soldiers, temporary soldiers and retired soldiers are eligible for the subsidy. Every affected person should inquire about the exact subsidy from their employer.
Rush of exchange could jeopardize statutory health insurance If many good earners switch to private health insurance, the health insurers lose the same amount of good premium payers. It can be assumed that especially those who are still young and not bound will change. However, those are one of the pillars of the solidarity-based health system. Although the GKV assumes that the increase in premiums from 14.9 to 15.5 from 2011 will put the budget deficit of a whopping 11 billion euros into perspective again, but if there is a real rush of bills of exchange, the legislative changes could cause the health insurances to become financially difficult The Federal Ministry of Health puts the annual loss share of the SHI at 200 million euros per year. (sb, 11/11/2010)
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