3Yr

@Benchman Do not get sick, doctors hate this trick.

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3Yr

BKK Firmus very satisfied

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3Yr

@GoDividend Is the one behind the hkk (so from the costs) or?

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3Yr

@Europoor I don't know that at all. 0.84% additional contribution

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3Yr

@GoDividend Yes is the second cheapest.

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3Yr

@Europoor works great everything via app etc.. We took then because there is a lot of bonus and additional benefits for families... It just fits every life situation another KK 🙏

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Herdd Berus@Herdd

3Yr

@GoDividend The application went out last week

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3Yr

@Herdd damn all without reflink 😂

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Herdd Berus@Herdd

3Yr

@GoDividend that something like that still works nowadays xD

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Nostradonkey💩@DonkeyInvestor

3Yr

@Herdd incredible.. But nice... But I have equal times in the app of Firmus asked for a reflink, that can not be 😂 the last program was 2015 of those there was 20€, which is already almost a savings plan 😂😂😂😂

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3Yr

@GoDividend I'm there too. Mainly because of the additional contribution and professional dental cleaning. App could be better

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View all 5 further answers

3Yr

@DonkeyInvestor that could pretty much any app 😅 but really faster customer service I find. Let's see when they respond to the reflink message😂🤫

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Nicolas Professioneller Rolls Royce Großaktionär Coole Leute: @leveragegrinding, @SharkAce und @Lorena(aber die ist nen bisschen schüchtern)@getquinfuermerchverkauft

3Yr

I like so everyday tips save money, etc.. Could @Kundenservice wake up its own section... "more money to invest" !!!!!

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3Yr

Many GKV have increased their contributions at the New Year

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Nicolas Professioneller Rolls Royce Großaktionär Coole Leute: @leveragegrinding, @SharkAce und @Lorena(aber die ist nen bisschen schüchtern)@getquinfuermerchverkauft

3Yr

@getquin Good reason to change :)

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3Yr

@Europoor Exactly 👀

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Felix@Investor_in_Jogginghose

3Yr

I am also with the Hkk but unfortunately they had to increase the contributions.

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Felix@Investor_in_Jogginghose

3Yr

@MiIliardenmehling Yes, but they are still very inexpensive compared to other products.

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3Yr

@Europoor yes, but unfortunately I am an existing customer.

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Patrick@Philps8

3Yr

@MiIliardenmehling have changed last year to HKK, the letter recently with the increase I have not even read through 🙈😅

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Nostradonkey💩@DonkeyInvestor

3Yr

So, and now a PKV GKV comparison. I've been thinking about switching for a few years now and then, but my calculations always show (especially when I retire early) that I'm better off with the GKV. But you're smarter, so go ahead 😘

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Matthias@matthias

3Yr

Is someone here at the BKK Faber Castell & Partner, I'm thinking of changing and since members canvass 20 euros for canvassing (you then share the 50%) has then the recruiter and the changing something of it :) Currently I'm "still" with the hkk, but since it has announced so close to the end of the month the increase in the additional contribution, I'm considering a change.

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Aktienmanie@Aktienmanie

3Yr

Attention, in the case of individual decisions, the Fund is not bound by the decision of the previous Fund. This is only a supplement. Otherwise, it is also worthwhile to pay attention to what special contracts the health insurance companies have with the surrounding treatment providers, hospitals, etc., there are significant differences. Especially in comparison of small BKK's to million large health insurance companies.

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3Yr

@Aktienmanie That's what I meant by agreeing to pay the costs again. Did I not write that well?

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Aktienmanie@Aktienmanie

3Yr

@Europoor That's fine, but the likelihood of renewed approval is probably zero in the case of individual decisions, so that you have to start all over again and possibly file lawsuits until something happens.

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Normans_Aktien@Normans_Aktien

3Yr

@Aktienmanie Of course, there is a risk, but fortunately it was easy in my case.

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3Yr

Regardless of the GKV, the most effective savings as an employee is to leave the church. If you are voluntarily insured (high income), the premium adjustments are peanuts.

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Franziska Lindner@DieFinanzchaotin

3Yr

I'm also with the hkk, because it is the cheapest and the additional services are good (dental cleaning and so on) - although I was previously with the TKK and found the "smarter". It was super digital and also that you could collect bonus points with step counters was mega cool. That's rather annoying with the hkk. If the TKK had included the dental cleaning, I might have even stayed there.

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Niklas@n_albo

3Yr

@DieFinanzchaotin I'm also with the TKK. for me, the decisive factor used to be that they pay for all the vaccinations against tropical diseases, even if I only travel privately and for fun. but honestly don't know how it is today, whether other health insurance companies also pay for that in the meantime.

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Franziska Lindner@DieFinanzchaotin

3Yr

@n_albo Today, the others also pay for it. With the Hkk e.g. also no problem more. You just have to compare at check24. :) Hkk offers in some points actually even n significantly better offer than the TKK. I also travel a lot and the vaccinations are therefore essential for me.

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Niklas@n_albo

3Yr

@DieFinanzchaotin then we are already two who find something essential :) I have the dental cleaning paid by the TK via the bonus program :D

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Franziska Lindner@DieFinanzchaotin

3Yr

@n_albo Yes, but when I consider that I also have the bonus program with hkk, it's just not worth it as much for me with tkk.

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3Yr

Can also recommend the SBK. Up to €350 every year if you don't use certain services. These are rather unusual services that a reasonably healthy person will not need :)

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3Yr

@SharkAce However, the additional contribution is twice as high as with the hkk.

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3Yr

@Europoor The question is whether the 0.61% is higher than €350 a year for you :D Especially as it shouldn't just be based on the costs.

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3Yr

@SharkAce Joar well for me the costs are in the foreground. From my point of view, all health insurance companies are the same.

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3Yr

@Europoor They actually differ in some respects but are often quite opaque. Even if an additional benefit is advertised, it is often tied to some kind of criteria haha

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Deleted User

3Yr

Comment was deleted

3Yr

@monchella no, not Siemens 😂 but SBK actually works closely with the company where I work haha

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Deleted User

3Yr

Comment was deleted

3Yr

@monchella was? So were you rather dissatisfied or did you simply switch?

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Deleted User

3Yr

Comment was deleted

3Yr

@monchella yes, but even such small differences make a difference in the long run😅

But for now I'm glad that it's not because of the sbk hahah

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DiFigiANo@DiFigiANo

3Yr

You pay money for something like this? [present the matching meme here]

Free medical care 💸

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3Yr

@DiFigiANo You can only get this free of charge if you are insured through your parents or spouse or receive social benefits.

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DiFigiANo@DiFigiANo

3Yr

I meant that because I'm in the federal government, I have free military welfare and don't have to pay into a health insurance fund

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3Yr

@DiFigiANo Oh, I hadn't thought of that, nice.

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Manuel L.@LangM90

3Yr

the cheapest health insurance fund at the moment is BKK farber Castell as far as I know and just behind it is hkk.
I am with the hkk but am considering switching to BKK farber Castell

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3Yr

@LangM90 As mentioned above, you can only go to Castell if you live in Bavaria.

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Manuel L.@LangM90

3Yr

@Europoor yes i live in bavaria

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3Yr

A point that I also read here and truly cannot comprehend: The cost of health care.
Honestly, shouldn't health be the top priority? I don't think there's any question that you get better service as a private health insurance patient, especially in old age you will HAVE to take advantage of it. Do the costs of health insurance play a role for you in the event of a potentially fatal illness? Wouldn't you rather pay a little more to have, perhaps just a little, a better chance of better care and recovery in an emergency? In my opinion, private health insurance should be the goal for everyone if the difference in treatment and medication continues to be as significant and continues to grow as it has been up to now.

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3Yr

@Zutunipo Of course the threshold is not extremely high, but most people are below it. In statutory health insurance, there is a fixed catalog of benefits and additional costs are difficult to justify. Apart from that, you also have to calculate the PKV, especially as a self-employed person you have to pay the costs even if you have 0 profit or 0 turnover.

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3Yr

@Europoor that's why I say yes - the goal should be to get into private health insurance,
Of course you don't get it for free... there is no free lunch!

However, saving on healthcare in the gullible assumption that you rarely need it is pretty naive in my opinion. Because in an emergency, everything else doesn't matter, your portfolio, your property, etc. The only thing that counts is the best possible healthcare, which costs a little more than statutory health insurance, but justifies it with much better benefits.

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Rene@RR1808

3Yr

At the beginning of the text I thought "finally someone who doesn't just mention the monetary aspect (PS: meanwhile the health insurance contribution including the additional contribution is borne half by the employer and half by the employee. The current average additional contribution is 1.3 percent, which means we are talking about 0.65% on average... if a health insurance fund increases an additional contribution from 1.1 to 1.3, this means 0.1% more than in the previous year).

I digress... What I want to get at ... Why is private health insurance the goal? Insurance with a company that only thinks in terms of profit, as most are stock companies. SHI companies are public authorities that are not allowed to make any profits (apart from reserves and operating funds, but these are also capped by law). The basic idea of insurance companies is therefore fundamentally different.

Likewise, you do not pay your contributions according to your ability to pay, as in statutory health insurance, but according to your tariff. You pay low premiums when you are young, but you have to build up provisions for old age. These are intended to cover your "additional needs" for benefits in old age, which unfortunately does not work for many people and only leads to the premiums (private health insurance premiums) having to be increased or the scope of the tariff having to be reduced... until you end up in the basic or emergency tariff.

In addition, some benefits are either completely excluded or severely restricted, e.g. everything related to psychotherapeutic treatment.

You could also mention the additional costs for family insurance or the health checks and benefit exclusions when the contract is concluded. So not all that glitters is gold...

Sorry for this long text, but simply saying "private health insurance is the goal"... sorry no...

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3Yr

@RR1808
1. the employer also pays half of my contribution in private health insurance (which is only half of my old statutory health insurance contribution with far better benefits)
2. statutory health insurance companies are also companies, except that they are not economical and the state is forced to add billions every year to cover the costs
-> Incidentally, this also leads to the horrendous premiums that "high-earning employees" have to pay in the SHI system in order to then call a specialist and wait months for an appointment.

3. ability to pay?
As a young, very well-paid employee, I never went to the doctor and paid the maximum amount under statutory health insurance - at that time €800+/month
- in private health insurance I now pay €400 with far better benefits and still get back over €1000/year if I don't have to go to the doctor

4. if the tariff in private health insurance becomes too expensive for you in old age, you can switch to the emergency tariff at any time, have the SAME benefits as in statutory health insurance and pay the same low premium.

I stand by my opinion - statutory health insurance can't compete with private health insurance unless you have no income, a low income or lots of children - because then OTHER contributors and the German state pay my bills too!

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Hans Dieter@Reyar

3Yr

@Zutunipo Well, I wouldn't call them companies if they are assigned to public law. What's more, you don't have to pay anything in advance for statutory health insurance. Another problem can always be that you have to pay extra for each family member in the statutory health insurance. This is not the case with statutory health insurance, even if it is financed by tax. I can only say that private health insurance is only worthwhile if you are young and have no pre-existing conditions. And with health insurance, you can look for a charity policy where you get part of the money back if you don't go to the doctor

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