wechsel von privaten in gesetzliche krankenversicherung

#Wechsel von privaten in gesetzliche krankenversicherung full

Self-employed persons must give up their self-employment and change to a permanent employment relationship before they can take out statutory health insurance

Can I switch back to the statutory health insurance?Ī quick and easy change to a statutory health insurance (GKV) is not possible, but there are the possibilities.Įmployees have the possibility to change back to the statutory health insurance if their annual gross income drops below 62.550 Euro - converted 5.212,50 Euro gross per month (2020) - again.

#Wechsel von privaten in gesetzliche krankenversicherung full

>(Important: Before you decide for a private full health insurance, you should contact us, because not for everyone such a health insurance is useful). Private full health insurances usually have favorable tariffs and better health insurance coverage than statutory health insurance companies. Self-employed or freelancers can also take out private health insurance.

Otherwise it is mandatory to be insured in the public health insurance. When can I insure myself privately?Įmployees who can prove an income of more than €62550 per year can also take out private insurance. The amount of the insurance premium in the private health insurance is mainly based on the following three factors:Īn example: Who is young, enjoys best health and wishes an a riser tariff, pays in principle fewer insurance contributions than an insured person of middle age in a tariff with premium achievements. How is the contribution in the private health insurance calculated? Private health insurance companies usually offer better insurance coverage at lower prices, but not everyone can take out private insurance. In contrast to the statutory health insurance (GKV), the contract is not concluded by law, but by a contract under private law. Private health insurance companies (PKV) are private insurance companies that offer health insurance. What is a private health insurance (PKV)? At the same time, this also means that the basic services of the health insurance funds are determined by the state. The sickness funds carry out the tasks assigned to them by the state with regard to statutory health insurance. The statutory health insurance (GKV) is carried by the statutory health insurance companies, of which there are about 116. These services are defined individually by each health insurance company in its statutes. In addition, health insurance companies offer interesting special services to further increase protection in case of illness. This is ensured by an extensive catalog of health insurance services, which is constantly being expanded by doctors and health insurance representatives.Įvery insured person has a legal right to these services. Medically necessary treatments are provided at a high level. The statutory health insurance companies (GKV) in Germany offer a comprehensive service for health protection. What is a statutory health insurance (GKV)? Therefore, you should take a close look at the different health insurance companies and calculate for yourself in order to choose the best insurance for you. They also differ from individual contribution surcharges, but on closer inspection they offer the insured more advantages than the health insurance contribution. Statutory health insurances offer additional voluntary benefits over and above the statutory framework, which means financial and medical advantages. Basically, everyone has the freedom to choose their own health insurance.