Photo: PantherMedia/ 8vfanP
Comparing health insurance companies can be worthwhile.
By choosing the right health insurance company, an average earner can save at least 200 euros a year. This is what the money guide Finanztip found out in its comparison of statutory health insurance companies.
Numerous insurers have increased their additional contributions this year, which is why many insured people can benefit from switching to an affordable health insurance company.
In addition to additional contributions, it is worth looking at bonus programs
Finanztip examined the statutory health insurance companies and selected the insurance companies with the best price-performance ratio. It’s worth changing because many health insurance companies have increased their contributions. “But high or low contributions don’t necessarily allow conclusions to be drawn about good or bad services,” says Barbara Weber, health insurance expert at Finanztip. When choosing a health insurance company, she advises you to look closely at additional services and bonus programs in addition to the price. “These can quickly mean several hundred euros in additional benefits,” says Weber.
The commercial health insurance company hkk leads the Finanztip comparison with an additional contribution of 0.98 percent, while the Audi BKK was also able to score points by reducing its additional contribution to 1.0 percent.
Insured people with an average salary of 4,100 euros can save around 180 euros per year on premiums before taxes if they switch from a health insurance company with an additional 1.7 percent additional contribution to a low-cost health insurance company. The change is easy: Insured people register with the new health insurance company and they do the rest.
The cash register bonus programs bring in additional money. At the top of the Finanztip test, insured people can get 35 to 130 euros back if they go for check-ups once a year, get vaccinations and go to the gym. Health insurance companies also reward vital signs such as blood pressure within the normal range.
You can also save with additional services
“If you choose a health insurance company that suits your needs, you can save even more,” says Weber. The hkk covers the costs of professional teeth cleaning at selected dentists. The other FInanztip recommendations at least partially cover the costs. “A teeth cleaning is worth up to 120 euros,” explains Weber, referring to figures from the Association of Statutory Health Insurance Physicians.
Travel enthusiasts who need a lot of vaccinations can travel well with the hkk, Audi BKK and Big direct health, they cover the entire cost. Energie-BKK offers comprehensive services for families and expectant parents. Good pension benefits are also available from Energie-BKK and hkk, but also from HEK. On the other hand, anyone who values local accessibility will be in good hands with the Techniker Krankenkasse and its nationwide branch network.
Health insurance companies have to plug the financing gap
Every year Finanztip tests the health insurance companies that are available nationwide and recommends those that have a good price-performance ratio. Many health insurance companies have increased their additional contributions again this year. The reason for this is a billion-dollar hole in statutory health insurance. The Federal Ministry of Health had therefore forecast a further increase in the average additional contribution from 1.6 to 1.7 percent.
2024-01-19 23:41:28
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