![]() If this rate is then adjusted by 4 % of the new premium or EUR 28, this is as much as 14 percentage points in relation to the EUR 200 paid. Whoever switches to a tariff that costs only EUR 700 for a new policy at the age he has reached will pay only EUR 200 there, minus the previous EUR 500 discount from the ageing provision. Anyone who has been paying EUR 500 in a tariff that costs EUR 1,000 for a new policyholder of the same age will have their premium increased by EUR 40 or 8% of their paid premium if the tariff is adjusted by 4%. This, too, is entirely correct and to be expected, the mathematician counters. However, the insured had switched to a cheaper tariff four years ago, and since then the premiums had risen even more in percentage terms. Tariff change to savings tariffs does not stabilise premium increases Customers who, in view of the threat of poverty in old age due to private health insurance costs, think they need to reserve a place under the bridge should ask themselves why they actually went into private health insurance if they cannot afford it at all in old age with lower incomes. This is law and actuarial and therefore almost inevitable and correct. If, however, he pays only half of the current new premium because of the earlier entry age and the high accumulated ageing provision, the same increase in euros amounts to 8 percentage points for him. In fact, if the tariff increases by 4%, the customer will be adjusted by approximately 4% of the new premium at the age he has reached. If he had only been insured for 10 years, premiums would only have increased by about 50% since then. The fallacy of lower premium adjustments for long-term policyholders The actuary replies, yes, I just calculated that for a client – around 8% annual increases are quite realistic, especially if you have been insured for a long time. Here the benefits are at SHI level and the costs are capped at the SHI maximum.A 55-year-old man reports to an actuarial expert after his private health insurance (PKV) has more than doubled its premiums within nine years, even though he has been insured for almost thirty years. Only the PHI basic tariff is then available to those affected. In addition, insurers may reject the applicant on the basis of their state of health. Pre-existing conditions: These can lead to a higher PHI contribution. Pre-existing conditions have no effect on the level of contributions. Pre-existing conditions: If foreigners meet the requirements for statutory health insurance, they cannot refuse health insurance. The higher it is, the cheaper the contribution. However, you can opt for an optional deductible tariff, which allows you to save on contributions in return.ĭeductibles: With private health insurance, foreigners are free to choose the deductible amount. In the case of hospitalisation, the insurer also settles directly with the clinic.ĭeductibles: The statutory health insurance schemes do not provide for any deductibles for foreigners. Prepayment: Privately insured persons pay their medical bills themselves and then submit them to their private health insurance company, which then reimburses the costs. Exceptions to this rule are co-payments, for example for medicines, for which insured persons generally pay themselves. ![]() Prepayment: Treatment costs are paid directly by the health insurance company, so insured persons do not have to pay in advance. Moreover, innovative treatment methods are available to them more quickly than in the SHI system. Foreigners with private health insurance often benefit from shorter waiting times. ![]() In the hospital, for example, they can arrange for treatment by the senior consultant as well as a single room. The details of what the health insurance covers is described in the SHI benefits catalogue.īenefits: Insured persons determine the scope of benefits themselves. Unlike the SHI system, income plays no role.īenefits: These are for the most part identical across health insurance companies and only differ in a few additional benefits. For self-employed persons, the minimum contribution is around €149 and the maximum contribution is €736 per month.Ĭosts: The contribution amount depends on the agreed benefits, the applicant’s age when the policy was taken out and their state of health. For employees, the employer pays half of the contribution. There is also the additional contribution, which varies depending on the plan. ![]() Zahnzusatzversicherung Menü umschaltenĬosts: The contribution amount depends on income and is 14.6 percent.
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