Blessings: child insurance coverage

Um, I work for the largest personal medical health insurance firm and in case you’re a civil servant, there is a 1 in 4 probability you are with us.

The grant refund has nothing to do with parental go away! You may get this from the PKV in case you do not submit any invoices. Apart from Baden-Württemberg, I feel it’s a frequent observe in all federal states that you simply get a 70% allowance throughout parental go away as a substitute of fifty%. In different phrases, a discount in contributions. However I can solely let you know this for Bavaria as a result of I work in Bavaria and every federal state cooks its personal soup for support.

It isn’t clever to place the kid within the authorized system. However there are at all times individuals who do. The youngsters’s donation prices simply over 36 euros. 80% support goes by the employer! I’m authorized and it’s silly if there are kids. As a result of ready occasions for specialists in pediatrics are 1000 occasions longer than for adults. It’s a must to wait 3-4 months to see a silly orthopedist. And there are nonetheless some accessible ones, even for youngsters. I used to be allowed to pay for cleansing my tooth as much as the age of 6, which is just taken care of since then (I now have further insurance coverage that turns into costly as soon as the kid is delivery and each third youngster wants one). My son can be recognized quickly for ADD and I’ll pay 75 euros for him. So simply because a baby is with the daddy is free … it’s nonetheless clear when it comes to ready occasions or one thing like that and there aren’t any extras. I’ve been a affected person within the hospital with a baby twice… there are normally 4 rooms with beds and successfully there are eight of them as a result of every youngster brings a guardian with them. Proper out of the field, you are really making faux financial savings. Homeopathy and osteopathy, the place each second particular person has a child, usually are not anchored within the GKV in any respect and the subsidy of 40 euros per 12 months is a waste. The actual fact is that when you have personal medical health insurance in Germany, you may get an appointment with a specialist sooner and it’s also possible to depend on different practitioners and the like, single rooms and chosen medical doctors. And in case you take out the insurance coverage inside 2 months, your youngster can develop a second head and is assured to be insured on the identical foundation as yours. In case your youngster has one thing and also you determine towards it, relying on how severe the sickness is, they are going to by no means have an opportunity to alter! It’s so uncommon to insure the kid within the GKV constellation. How there are individuals who determine on statutory medical health insurance regardless of being employed (solely potential in a number of federal states)… it is simply utterly pointless and simply associated to disadvantages. In return you save a cool 36 euros per thirty days.