When and how I can change health insurance

There are basically two ways

Member of the health insurance company, you were at least 18 months they can submit in writing their dismissal with a period of two months (ordinary termination). This period of commitment continues even with the change of employer or fusion their health insurers. After the change of health insurance, insured persons are bound then again 18 months at the new health insurance. This only applies if the Fund increased contribution rates nor cutting benefits. In this case, an extraordinary termination (special cancellation) is possible. The possibility of this termination may only within the first two months after the date such as the premiums be perceived.

How does the change?

You can fairly easily switch between the statutory health insurance funds. Each health insurance company offering their services nationwide or in your State, is obliged to accept you, in contrast to the private health insurance companies. Have submitted two months before the outlet termination of your health insurance company (an informal letter is sufficient), must the insurer acknowledge this you within 14 days. This confirmation of the cancellation must be presented then new insurance, there to be included. Your new insurer shall provide out immediately a new Member certificate, which must be submitted to the employer or the pension provider. Should the application once not smoothly, they are further insured by their former health insurers as Pflichtversicherter anyway.

Change by law, privately insured

Most people are legally obliged to be members of a statutory health insurance company. Only freelancers, students, civil servants and workers, whose Gehalt exceeds a specific annual set height (3975€ / month) can choose between legal or private health insurance. Civil servants and self-employed persons could completely waive health insurance.

Switching between private health insurance is usually impractical because retirement earnings can not be transferred. These are also lost when you want to move back to a legal Fund. This is also only possible if they can prove that your salary was one year, 3975€ a month. Unemployment, you are insured automatically by law. A return to unemployment or declining income public health insurance is not possible from the age of 55 years.

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