Change to private health insurance from 2011


Switch to private health insurance from 2011: The switch from statutory to private health insurance will be greatly simplified for employees.

From the beginning of 2011, the legal framework for switching to private health insurance (PKV) has been simplified. Numerous changes to the law are being implemented as part of the health reform. One change is to make it easier for employees to switch from statutory health insurance to private health insurance. Instead of the three-year period, a "one-year period" should now apply. In addition, a special regulation currently applies.

New framework conditions from 2011
From January 1, 2011, simplified conditions for switching to private health insurance apply. The black and yellow federal government wants to make the switch to private health insurance much easier, to the displeasure of the statutory health insurance companies. Various measures have already been adopted to simplify the changeover. First, the mandatory insurance limit was lowered by 450 euros. This increases the number of people for whom a switch is even possible. In addition, there is a special regulation until the end of the year, which should make it easier to switch to private health insurance at the beginning of the year. The special regulation states that employees can switch to private health insurance after the turn of the year if they exceed the compulsory insurance limit.

Reduction of the waiting period

Reducing the waiting time from three to one year makes it even easier to switch to private health insurance. As of 2011, employees only have to wait a year before they can change. The only condition: the employee must have earned at least 49,500 euros by the end of the year in order to be able to change. According to PKV surveys, around 19,000 employees benefit from being able to think about a change.

Switching to private health insurance should be considered carefully
However, it is precisely those who should carefully consider changing. Whether you can save on health insurance costs depends entirely on your own family situation. Although the private health insurance attracts with very cheap entry-level tariffs, it is happy not to mention that the cost of premiums will increase over the course of the insurance years. In addition, private health insurance has no family insurance. This means that children must have extra health insurance with the PKV. Every single child individually. This also applies if the child's mother is insured in the statutory health insurance and the father has a higher gross income. So it is very important what your future planning looks like. However, many young people who are childless and not yet married hardly think about it. The PKV is also not familiar with services such as mother-child cures. In summary it can be said that the PKV makes little sense if you are planning a family or are already raising children. Attention: Anyone who has changed can only switch back to the statutory health insurance in very rare cases.

Statutory health insurance companies are suffering from the new conditions
Although it can be assumed that the statutory health insurance will no longer be able to hold many benefits in the future and that the additional contributions will increase, the statutory health insurance system sees itself as a health insurance with a “solidarity principle”. This principle is continually being overridden when numerous high earners switch to private health insurance and needy and sick people remain in the statutory health insurance system. If the black and yellow federal government continues to strongly favor the private health insurance at the expense of the statutory health insurance, the funding needs of the statutory health insurance will certainly increase. Ultimately, the billions deficit could only be compensated for by increasing the premium from 14.9 to 15.5 percent. It remains to be seen whether there are any additional contributions to be made. On this point, numerous experts argue about the financial situation and development of the health insurance companies. In addition, the percentage of employers was frozen at 7.3 percent. This means that all further increases in premiums must be borne by the insured alone.

Change is risky
Conclusion: Switching to private health insurance entails risks, especially for those who have not yet completed their family planning. Before you actually switch, you should get advice from a consumer advice center. It offers independent information and works with you to make the most sense. However, those affected should also ask themselves whether they want to participate in the weakening of the solidarity principle in order to save a few euros a year. The more you make the switch, the weaker the statutory health insurance companies become. The current extent is still manageable, but if further legislative changes are planned in favor of the private health insurance, it could become tight for the statutory health insurance in the future. However, it should not be concealed that, according to some financial experts, the situation of some private health insurance providers is not as rosy either. The financial crisis has caused some insurance companies to run into financial difficulties. Some believe that the contributions of the private health insurance will also increase more. (sb, Nov 2, 2010)

Also read:
Cancellation insurance does not always pay
Health insurance companies: Many do not pay any additional contributions
Easy change to private health insurance planned
PKV and children: Change should be well considered

Image: Dieter Schütz / pixelio.de

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