The majority of the population is provided by the State health insurance. Only a few people have a private health insurance . It offers better services than the GKV. Cash patients can, however, extend their insurance coverage by supplementary health insurance.
Private health insurance
Students, civil servants and self-employed people can take private health insurance regardless of their income. Employees can choose between statutory and private insurance if they have an income above the mandatory insurance limit (€ 57,600 gross per year). The PKV provides high-quality services and is cheaper for many customers.
Statutory health insurance
The statutory health insurance companies offer a largely uniform insurance protection. Special services at the doctor and in the hospital are not part of the legal standard care. Also applies a uniform general sentence for the calculation of the insured contributions. Nevertheless, there are sometimes significant differences in terms of benefits and costs.
With additional health insurance insured persons can significantly expand the benefits of their health insurance. Among other things, they provide comprehensive insurance coverage for doctors, dentists, non-medical practitioners, hospitals and nursing staff. They offer many options that are otherwise reserved for private patients
Tailored health insurance
Self-employed persons, civil servants, students and employees can opt for private health insurance and use individually tailored tariffs. Employees must have an annual gross income of at least € 57,600 in 2017 in order to be allowed to switch to private health insurance. Self-employed, students and civil servants can insure themselves privately independently of income. The private health insurance offers many benefits compared to the statutory health insurance. Often it is even possible to save on the contributions.
In the case of private health insurance, the premiums to be paid depend, among other things, on the exact scope of benefits. Generally, the more extensive it is, the more you have to spend on insurance premiums. Therefore, before you look for a private insurance rate, it makes sense to think carefully about which services are particularly important to you.
Tips for changing the statutory health insurance
Statutory health insurance companies that keep their promises benefit in the long term from a high number of satisfied members. First-class service and additional services round off the offer of trustworthy health insurances. The change to exactly such a statutory health insurance is very easy. A written notice with a period of two months to the end of the month is sufficient. Only if you have already changed your statutory health insurance in the last 18 months, a proper termination is not readily possible. As soon as you have changed, you will not feel any difference at your next visit to the doctor’s office, including a new health card.
The more members have statutory health insurance, the lower the risk that the company will make an additional contribution. With enough paying insured the enterprise is financially secured and can offer you particularly attractive achievements. However, from 2015, there will be a new income-related additional contribution. These can then raise the health insurance companies independently. Experts believe that almost all funds will access such an additional contribution. The only question is how high this will be.
If you want to switch to the statutory health insurance, it is like all rates: If you pay too much or receive only poor benefits, you should use a better deal. How about health insurance that offers you free anti-stress programs or back exercises?
Complete your insurance cover
Whether you are in the private or statutory health insurance: Often there are benefits that you want to take advantage of, but their costs are not reimbursed by your health insurance. In addition, if other health insurance companies do not reimburse the appropriate treatment, a supplementary health insurance can help you. Depending on the tariff you will be reimbursed, for example, for the costs of dentures, for non-medical practitioner treatments or for inpatient special services such as the chief physician treatment or a daily sickness allowance or hospital daily allowance. Since the tariffs are very different in price and performance, a detailed consultation by an expert is recommended.