Deleted User
4Yr
Comment was deleted
@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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4Yr
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...
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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22
•Deleted User
4Yr
Comment was deleted
@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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11
•Deleted User
4Yr
Comment was deleted
@Zutunipo You are absolutely right, but even if you have statutory health insurance, you can be treated as a private patient. The cost reimbursement procedure makes it possible. The Pkv certainly doesn't cover every special therapy.
Everyone has to answer the question for themselves whether they want to belong to the statutory health insurance system or switch to private health insurance.
Everyone has to answer the question for themselves whether they want to belong to the statutory health insurance system or switch to private health insurance.
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@Zutunipo Are there any good private health insurance companies that offer family insurance?
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