Who can or should be involved in the insurance change?

Self-employed, freelancers and officials always have the opportunity to work in a private health insurance (PKV) to change. Employees must meet certain conditions. How can workers only from the statutory health insurance coverage and make change in the insurance, social insurance if the annual gross income over the insurance limit. These include the monthly salary and the holiday and Christmas bonuses, and all regular services. With the adopted health care reform, the beginning of 2007, this scheme has been exacerbated. Thus, today a social security employee first three full calendar years the annual earnings limit is exceeded, and this is expected in the fourth calendar year, then at the beginning of the fourth year in the switch to private health. Private health insurance can also be students. This can be compared to a later entry advantages, if an option price at the start is included, because the adoption of the contribution and the state of health after the entry date set. For certain illnesses, or not healed up injuries or illnesses may need additional premiums paid. The insurers assess the individual diseases, but very different, so worth it before the start of the contract estimates anonymous questions, an experienced insurance broker to ensure that the exploration of tenders with difficulties before the application is possible. A change in the insurance mostly worthwhile for singles, double and family n with a child. For children and the non-working spouse have personal contributions in the insurance paid, so is not only the current but also the planned family status is crucial. The insurance offers a wide range of benefits that are included in the price and in the Gestaltungsart express. For the age are also recorded so that the later stage, the contributions can be kept low. But beware, for a health insurance change, these reserves lost, however, this applies only to tariffs, before 31.12.2008 have been agreed. For contracts from the insurance 01.01.2009 closed, to the right of those age provision in a later exchange, with the new Private Health Insurance to transfer. The disadvantage of the portability of old-age provisions, however, a rise of the new tariffs by about 10% to 20%, therefore, who in 2008 on the change in a PKV it, is well advised to act before 2009.
Contact person: Richard Mettler
E-mail: presse@mettlerweb.de