Private health insurance priceless – even for you?
Private health insurance priceless – a diagnosis for many people in Germany meanwhile.
Are the contributions still affordable in old age?
Many people who are privately insured are also afraid of being unable to pay contributions in old age, even if they are still doing well economically today. In this case, it must be said that from the age of 60 on there will be a noticeable relief because, from this point in time, the statutory surcharge of 10 percent that was introduced in 2010 will cease to apply. This supplement, which is included as good as all new contracts from 2000 on is not on the one hand, in addition, he should ensure that contributions increases from age 65 are avoided and from age 80 to reduce the contributions – if it works.
In addition, old-age provision in private health insurance, which is accumulated at interest, should ensure that the costs of obtaining benefits, which are generally higher in old age, are also financed. Another relief in old age is often the elimination of the contribution for the daily allowance insurance.
If the high contribution pinches too much
Despite solid calculation nevertheless for many insured the contribution over time becomes too high and at some point the private health insurance is priceless. Here are various measures that can take effect. A change of the health insurer is advisable only in a few cases, since usually uneconomical and in many cases due to the advanced age and changed health conditions even only against contribution supplements or risk exclusions feasible.
Immediate measures to reduce the contribution can be
- Tariff change according to § 204 VVG with similar benefits and significant reduction of contributions
- Choice of a stripped-down tariff with less benefits (eg less replacement dentures, renouncement of alternative healing methods, multi-bed rooms and attending physician for in-patient stays instead of chief physician and twin bed room)
- Increase in the deductible (but beware, may be tax disadvantageous!)
- Deferment of contributions if payment difficulties are only temporary
- Change in social rates of private health insurance (standard rate or basic rate)
- emergency tariff
Advice from the expert is recommended
In order to be able to prepare an appropriate decision, when the private health insurance has become priceless, the consultation of a specialist or a specialist is highly recommended. Rethinking decisions can, in retrospect, lead to insurance coverage becoming even more expensive, or valuable protection being lost without this being absolutely necessary. Interesting information is also available from the Association of Private Health Insurance, for example. As a Hamburg insurance broker AssetSecur GmbH, we are happy to answer your questions.