More Changes To Private Health Insurance

Earlier this year, media reports have been raised that many insured would literally flee from the private health insurance to the legal alternative. The reason: Different vendors have had their premiums increased sharply in some cases, so that some policyholders saw no other way out than their private insurance companies to turn their backs. In an official statement of the Association of Private Health Insurance (PHI) accepts private health insurance while acknowledging that the number of people who switched from the private to the legal system had been increasing since 2009. The bottom line is change every year but still more people from SHI to a private provider, because it's worth switching to the private health system for many remains financially.

Migration in favor of private sector
The private health insurance figures show that in 2011 approximately 235 700 people left their statutory health insurance in order to insure a current of 46 private health insurance companies. This enabled the industry to expand its positive balance of around 76 300 members, compared to 2010 even.

Change in the statutory health insurance is often due to legal constraints
In addition, the association points out that the majority of the change in the statutory health insurance solely because of legal requirements and follow a few successes to the expressed will of the insured. This meet, for example, often in young adults, the insurance would be in accepting the first job in public health insurance. The reverse change, from the statutory health insurance to private health insurance, was taking place, however, always voluntary, provided certain conditions are met, PHI argues further the association. Current count the private health insurance 8.95 million, which more than 94,000 people more than they were a year ago.

Background: SHI-PHI change
Here, the conditions for a GKV change anything but simple. The legislature has provided for a number of obstacles to private health insurance scheme within the statutory health insurance, if their gross income falls below the income threshold from PHI 50 850 € per year, or they become unemployed. For policyholders over 55 years to return, however, is almost impossible. For these groups, a tariff change within their own private health insurance can help you to save a few posts.