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December 25, 2021 – 10:46 Clock
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Insured persons will soon have mail in their mailboxes
by RTL consumer expert Ron Perduss
The health insurance companies are also joining the long line of those who will increase their prices in the next year. Over 14 million people with statutory health insurance are receiving mail from their health insurance company these days.
Reading tip: These changes await us in 2022
How is the cash contribution made up?
If you have statutory health insurance, you basically have to pay two contributions to your health insurance company. First, the general contribution rate of 14.6% and an additional individual contribution that each fund determines itself. This is currently 1.3% on average. There are cash registers, but they are well below that here. Employees and employers share the contribution.
Who will be affected by the increase?
Currently, 15 statutory health insurances have announced that they want to increase the additional contribution in the new year. This affects around 14 million people with statutory health insurance. AOK policyholders are mainly affected. Of the eleven, at least nine increase the additional contribution. For example:
AOK Baden-Württemberg from 1.1% to 1.3%
AOK Nordost from 1.5% to 1.7%
hkk from 0.39% to 0.69%
How do I deal with the increase?
In fact, a regular change can also make sense with the statutory health insurance. Similar to the electricity or gas supplier or your car insurance, a change brings cash. Depending on your income, that’s a few hundred euros a year! You have a special right of termination in the event of a premium increase. You can then cancel until the end of the month in which the increase takes effect.
Am I not giving up important advantages when I move?
No. Because a good 95% of the benefits of all statutory health insurance companies are identical. This is stipulated by law. There are only differences in the additional services. And here you have to look at what is actually important to you. If it is treatments at the non-medical practitioner, is it the allowance for glasses or contact lenses, is it the allowance for the gym fee or the assumption of prophylaxis at the dentist. The special services differ. And depending on which ones are important to you, you will also find the perfect cash register.
Reading tip: Change of health insurance: pay attention to the additional services!
How does such a change work?
Switching has become much easier this year: All you have to do is look for a new health insurance company and apply for membership online. The new fund then also takes care of the termination of the old contract and also informs your employer about the change.
What else you should know
Even if your fund does not increase the premium, you can change funds at any time, taking into account the normal notice periods. If you have been a member of the fund for at least 12 months, you can always cancel with two months’ notice to the end of the month.
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