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.