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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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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How can you cancel a private health insurance...

It should, for whatever reason be that insured cancel the and would like to back in the statutory health insurance, however, required this is usually easy.
But already at the beginning of a new insurance contract, there is an option to terminate a contract retroactive period of two months.
The insurer to announce a contribution adjustment may terminate the Member within four weeks after a written receipt of the fee change. This refers to the period to which the planned change of the contribution is intended.
Special caution is required if the insured person of his obligation is not fulfilled, to view prior changes to the insurer. In these cases, the insurance has the option to terminate one or more tariff.
The insured person can exercise turn the right, to cancel contracts with the insurer, other existing.
An extraordinary termination can pronounce whenever an insurance undertaking, if does not fulfil the customer of his obligation of a regular contribution, or generally the notification requirement has been infringed.
In extreme cases, even repayments threaten the policyholder and there is a danger that the insurance cover with immediate effect is lost.
So should you when the contract is concluded care and truthfully answer all questions regarding the health and risk assessment.
This duty of care is not only the period after the change in the insurance, but rather applies, that even years after false statements can negatively on the terms and conditions.
The insured person leaves the scope of for private health insurance, the relationship is automatically finished. However separate agreements can be made in individual cases. Naturally as having ended, an insurance contract shall also apply if the member dies. Then, rush is available for members. A new policyholder must be named within a certain period, usually two months, if the insurance contract is to be continued.

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Private Health insurance for self-employed

The heading of private health insurance for self-employed persons should not be understood as recommendation. Under certain circumstances it is for self-employed workers better in statutory health insurance to remain, if possible with a voluntary membership.
However, a voluntary membership in the statutory health insurance is tied to certain conditions.
It is autonomous and steps down from compulsory insurance from apply certain insurance periods.
Immediately before the start of a voluntary insurance in the statutory health insurance company uninterrupted insurance in a statutory health insurance company of 12 months must have passed or but if it was insured in the last 5 years in the statutory health insurance company at least 24 months.
You will complete private medical insurance as a self-employed person, standing before a vast selection of tariffs of different insurance companies.
Here, you should have not only the price in mind, because health insurance actually form a risk sharing per fare and new tariffs are erstmal favourable, because only healthy people are recorded and much later the cost.
The advice of a professional may be not doing wrong. The customer should ask this, what medical insurance is recommended and was like for example the previous price of health insurance.
The interested person should make also the question of how the insurance so far dealt with the old-age provisions.
Good brokers have a computer program, in which usually the most companies and rates can be compared. The benchmarking should be gone through point by point with the broker.
Since the introduction of the EU insurance mediation directive in May of this year is also a consultation Protocol obligation. This means security for the customer, because there the customer it should, that is being held, why and why the broker has recommended this company.

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