At the beginning of the year, many statutory health insurances raised their individual additional contribution again – and in some cases significantly. The aim is to close the funding gap in statutory health insurance (GKV).
Have statutory or private insurance? The decision to whom to trust your health should be carefully considered. Find out more about the differences between statutory and private health insurance and find the answers to the most important questions here.
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What is the difference between private and statutory health insurance benefits?
In contrast to statutory health insurance companies, privately insured persons decide for themselves which services they want to insure. By choosing the tariff, you can determine how extensive your insurance cover is and how high your deductible is. The services of a private health insurance can include, for example, treatment by the head physician and the reimbursement of costs for services by a non-medical practitioner. The free choice of hospital and doctor as well as the free choice of drugs on prescription are standard in private health insurance.
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Who can assure himself private?
Full insurance with a private health insurance company is possible as an employee if the regular gross salary exceeds the current limit of 64,350 euros per year. Civil servants, self-employed and freelancers can take out private health insurance regardless of the amount of their income.
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Is there a premium reimbursement if there is no benefit?
Yes, many insurers offer tariffs with a money-back guarantee: If customers do not use any health insurance benefits in a calendar year, they will receive part of the premiums paid back.
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How can everyone benefit from private health insurance?
Anyone who does not meet the requirements for private full health insurance can take out private supplementary insurance – for example for dental treatment or single rooms and head physician treatment for hospital stays.
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