Private Health Insurance: Not Always First Choice

Health care reform stands. The entry barriers to private health insurance have been something to be higher, but who has the chance, should change. While health patients will face over the coming years, further compromising the health, the services of private insurers are contractually guaranteed.

No chance of a life-saving surgery or much-needed medicine for over 80 years? The Scientific Institute of PHI (WIP), the private health insurer in a study of the impact of population aging on health expenditure examined. Conclusion: The increase in life expectancy in Germany will lead to significant additional expense.

Private Health Insurance: Age reserves to protect against rising fees

Unlike the makers of the unfunded public health insurance SHI, the cover for their members not to save the private health insurance a part of the premium income as a financial cushion. These so-called age provisions serve to mitigate rising health care costs in old age. Even in advanced age are the premiums for private long-term patients in affordable. New: As part of health reform was agreed that private health insurance when changing the future of the insurance company already may transfer accrued aging provisions to some extent to the new provider. So far, the subsequent change in particular for long-term insurance was associated with significant financial losses.

Performance guarantees are only available in the private health insurance
Overall, even in the private health insurer can not escape the rising health care costs. Thanks to old age provisions of the effect will be mitigated. Especially those who are healthy and well deserved, by the early switch to a private insurance company often saves a lot of money at a young age. It makes sense to some of these savings for private health care are covered. In contrast to patients with private insurance funds also have to worry about any performance compromise. The scope of services, such as accommodation in single or twin rooms, free choice of doctor, or reimbursement of dental treatments can be arranged individually and are guaranteed by contract. The service catalog of statutory health insurance funds has been slashed in contrast to the already sensitive vergangengen years. Who does not want to settle for average performance, resorts to a panel patient often already deep into their pockets, and rising.



healthinsurancenotesblog Tips: As a private patient, you benefit from guaranteed benefits and individual retirement provisions. If your income exceeds three consecutive years as an employee of the current insurance liability limit of 48.600 Euro, you can change.
Compare prices carefully before completing and services.

If you are bound by the statutory health insurance, you should close gaps in coverage as early as possible by private supplementary policies. In particular, a hospital insurance does pay off quickly in an emergency.