health insurance
SUSTAINABLE INSURANCE SOLUTIONSBECAUSE YOUR HEALTH
IS THE MOST VALUABLE THING
With private health insurance, there are advantages and disadvantages, depending on the situation you are. Whether private health insurance is worthwhile always depends on the individual circumstances of the insured person.
A change back to the statutory health insurance is often only possible in exceptional cases, and therefore the change should be well considered.
Only for price reasons to change to private health insurance leads only very rarely to the desired success.
We therefore always recommend that we speak openly about all the advantages and disadvantages in a personal conversation and only take the considered step after all the considerations have been made.
Especially foreign citizens who are just coming to Germany to work as ex-pat, freelancer or even employed by an entrepreneur can benefit from a change to private health insurance.
PERFECT COVERAGE
Your protection
Your health
REQUIREMENT
It is worth checking whether you can switch to private health insurance. In most cases, you will receive better benefits at a more favourable rate.
HEALTH ISSUES
An honest and complete answer to all health questions is the basis of your insurance cover. If you provide incomplete or incorrect information, the insurer has the right to withdraw from the contract in the event of a claim.
CANCELLATION OF THE PKV
A private health insurance can be cancelled at the end of the year with three months’ notice. In this case, however, the retirement provisions are lost.
Health insurance for the following target groups:
Persons who are not subject to compulsory health insurance are those who are exempt from insurance. They include among:
Mainly self-employed persons (self-employed persons);
Civil servants (also in training and retired), judges, temporary and professional soldiers;
Self-employed persons, e.g. established doctors, self-employed pharmacists,
independent lawyers, notaries, tax consultants, architects;
persons with marginal employment;
Employees whose regular annual remuneration exceeds the annual remuneration threshold and has exceeded it in the previous calendar year.
Students employed for the duration of their studies for remuneration.
SERVICES PROVIDED BY PRIVATE HEALTH INSURANCE
The benefits of private health insurance are freely selectable according to your personal needs, in addition to the age, sex and state of health of the insured person. These are decisive for the calculation of the premium. The range of services is pervasive: Outpatient services include free choice of doctor and alternative practitioner, no co-payments for medication and the latest and alternative healing methods. In-patient services include free choice of hospital, treatment by the head physician and accommodation in a single or double room. Dental services are also significantly better than those provided by the statutory health insurance: costs for dental treatment, dentures and orthodontics are covered up to 100%. Furthermore, the insured person receives continued salary payments, daily hospital allowance and insurance cover abroad.
WHAT DOES THE COMPULSORY INSURANCE LIMIT MEAN?
The compulsory insurance limit determines the amount of gross income up to which the insured person is obliged to take out insurance with a statutory health insurance company. The level of the compulsory insurance ceiling is decided annually on 01 January. In 2020, this limit is 62,550 EUR gross income per year. Employees whose total income is above this limit can switch to private health insurance.
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