Invest der PKV Beitragsrückerstattung - Dividend growth for retirement provision
At the beginning of 2022, I switched to private health insurance as an employee. There were many reasons for me to do so, including the following:
- Better care
- No dependence on a state system (more trust in the economy than in our state)
- Demographic / migration trends (How many pay in? How many receive benefits without paying in?)
Of course, I also gave a lot of thought to the known problems of private health insurance, especially the following two:
- (annual) premium increases
- unaffordable contributions in old age
Regarding the annual premium increases, I have found that the difference between PKV and GKV is almost irrelevant - In PKV it is only much more transparent, because you can see in black and white what a premium increase per month means.
In the GKV, in addition to the visible increase (e.g. additional contribution), there is also the "invisible" increase in contributions due to the regular increase in the income threshold (you have to pay contributions on a larger portion of your salary every year).
Regarding the unaffordable contributions in old age, I would like to prepare myself:
- 10% or ~50€ are saved monthly by the PKV as age reserves (legal requirement).
- The PKV costs me monthly over 300€ less than the GKV. Due to the lower social security contributions, however, I have to pay more income tax - but the bottom line is that ~50€ per month remain net. These are consistently invested by me monthly in a MSCI World $XDWD invested. After 22 months I have already invested 1.250€ savings.
- In addition, I invest the annual premium refund of ~2,100€ per year - I only receive this, however, if I do not submit any benefits to the private health insurance.
- So I have already invested more than 3.300€ savings through the PKV.
Even if the PKV will cost me more than the GKV in a few decades, I have hopefully saved an additional cushion through my deposit, which compensates for the possibly higher costs of the PKV.
In addition, of course, I benefit extremely from the compound interest effect, since 50€ I save today are much more valuable than 50€ higher costs in a few decades.
In addition, the PKV will be relieved in the next few years by the changing macroeconomic environment, as the insurance companies will have to invest their money primarily in bonds. These will lead to higher surpluses for the insurance companies in the coming years, which can cushion the negative effects from inflation or higher costs due to demographics. By comparison, SHI does not have this option.
In the long run, the ETF will hopefully cover part of my PKV costs.
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