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The Association of Replacement Funds (vdek) voluntarily warns statutory health insurers against switching to private health insurance. Because the "bad awakening" comes later, when the PKV tariffs increase in old age. Health insurance would then no longer be affordable for many.
The Association of Substitute Health Insurance Funds (vdek) warns insured persons in the statutory health insurance companies against rashly and hastily switching to private health insurance (PKV). In the course of the health care reform, it is made easier for health insured persons to switch to private health insurance (key word: switch to private health insurance). The waiting period for switching is reduced from three to one year. Citizens planning to switch should consider this step carefully. Because the bad awakening comes later, the warning of the cash association.
The contributions of the PKV increase especially in old age. These are no longer affordable for many later. Health insured persons would also have to expect correspondingly higher tariffs if they have previous illnesses. In addition, the contributions in the private health insurance system would increase “exorbitantly”. According to the association, the best alternative is still the statutory health insurance. For example, if you want to start a family, you are better off with the SHI. In contrast to the PKV, the GKV offers non-contributory family co-insurance.
Another reason for not changing is the so-called benefit in kind principle. This principle protects the insured against a financial overload. In the case of the in-kind benefit principle, the patient takes advantage of the health services without receiving an invoice from the doctor or the clinic. The administrative expenses and the payment of costs are automatically taken over by the cash register. The desired prepayment model contradicts this principle. This model is also used in private health insurance: "With private health insurance, insured persons first have to pay their expensive medical bills out of their own pocket and then receive the amount," said the vdek.
Another advantage of the statutory health insurance companies is that they take on household help, psychotherapy or mother-child cures in the event of illness. The GKV also grants grants for individual and company health promotion. For example, only the statutory offer their members a claim to sickness benefit of 78 weeks within three years. The PKV does not know such a service. "In the PKV you pay for important benefits on top. Many insured people do not consider this when taking out the private insurance tariff and are then surprised that they have to pay for household help or psychotherapy out of their own pockets, for example!" said the vdek spokeswoman.
Conclusion: Insured persons who are given a choice should think carefully about what their own future family planning will look like. If you want to start a family, you have to know that every single family member has to be insured separately in the private health insurance. Consumers should also know that many private health insurance providers offer so-called entry-level tariffs, which increase sharply in later age. The premiums may be significantly higher than with the statutory health insurance. (sb)
Replacement cash registers do not exclude additional contributions
Change to private health insurance from 2011