The change in the private health insurance

Each employee or employees in the statutory health insurance, only if a certain income threshold is exceeded, you can also insure private. After the change, it is no longer possible to go back to the statutory health insurance, unless you get less salary, or is unemployed. Professionals, civil servants and self-employed have the freedom to choose how you want to insure.

The private health insurance have to convince your performance because there is a big competition here. No one would from the statutory insurance emerge when the private does not offer him much better performance. The contributions from the private health insurance be computed by sex, age and scope. In principle the so younger you are the more favorable the posts, maybe you should already be covered by private insurance from childhood, it makes the most sense to stick with this insurance, which guarantees the best posts.

If you already older, you should definitely case, contributions and achievements of all providers, both statutory as well as private, just check. A big disadvantage is that the private health insurance may exclude already existing diseases of the protection, or requires one, depending on the disease, significantly higher post. If you have private health insurance with a disease that will pay of course.

As a patient with private insurance, you can enjoy many benefits. There is free choice of doctors as well as hospitals. Similarly, the right to be treated by the doctor in person, or the right to a single room. You can decide what services are an important, as eye care, dentures, treatment of the medical practitioner or sick leave, the amount of the contribution of private health insurance itself, calculated to the desired performance. Not so with the statutory, here is the contribution calculated on the basis of income, with benefits for all are equal.

For, save the contributions to private health insurance, is quite possible. You can get a certain amount as deductible agree, so the premium reductions. It is however advisable before a detailed account on to provide. If an illness worse case that could be very expensive. For example, the agreement will be the cost for outpatient treatment, in the amount of 3000 - itself contributes EUR annually.. You then only during the year 2990 -. € costs of out-patient treatments pay for everything out of pocket, plus the insurance premium.