Choosing Health insurance

At present, more than 8 million people in Germany entrust their health insurance coverage of a private health insurance. Workers whose monthly Bruttoeinkommen was in the last three consecutive years above the limit of the compulsory insurance, self-employed and freelancers regardless of time limits and income levels, doctors in the internship, civil servants, judges and students can join private health insurance.

The general requirement for health insurance was introduced to the 01.07.2007. Private health insurance to people who were once private health insurance and now neither insured by law nor are insurance, assure the standard rate. As of 01.01.2009, private health insurers are obliged to offer a basic fee which replaces the standard rate. This corresponds to the level of performance of the statutory health insurance. In addition, risk premiums or contract rejections due to pre-existing conditions are excluded at this rate. In the first 2009 also already privately Krankenversicherte in their health insurance in the contribution fuel-efficient basic fee to switch half of, for over 55 years, dependants and pensioners it is perpetual.

Private health insurance form ageing provisions, for medical treatment to keep stable the contributions of age despite increasing costs. These are part of the calculation of contributions, represent but no personal credits. So far, the ageing provisions when switching old insurance remained, this meant that just older policyholders dared barely a change. The health care reform introduced the entrainment of the ageing reserves. Since emerged, but so far no individual ageing reserves, these can be taken only in the amount of new basic tariff. This was insured a higher price means financial disadvantages for him, a part of its ageing provisions remain in the old insurance.

In contrast to the statutory health insurance, offering only a standard type of plan to their members, private Krankenversicherte can choose a scope of services corresponding to their individual needs. The amount of the contribution depends on the chosen tariff, the age and the sex. Pre-existing medical conditions usually cause risk surcharges.

Free choice of doctor, chief medical treatment, single room accommodation hospital stay, refund all medically necessary drugs (less agreed equity interest), full reimbursement of the costs for dentures are only some of the advantages of private health insurance.

Private medical insurance is recommended especially for young singles and couples with above-average income. For families with children, it is necessary to bear in mind that private health insurance can offer no case.
Health care reform brings some changes in the private health insurance with them, but they offer a comprehensive range of services continue their insured and take account of demographic change in Germany. Each private Krankenversicherte provides for higher healthcare costs at the age itself and thus burdened not the younger generation. The statutory health insurance companies work on a pay-as-you-go, fewer and fewer contributors to finance the increased medical costs of the elderly, a bill that can't go on. Quarter of 2008 prove this the increase in losses in the first.

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