Comparison Private Health Insurance
Health insurance in Germany is an important part of social insurance. They were introduced at the end of the 19th century. In the field of private health insurance , the amount of the contribution depends on the age, health status and gender of the policyholder. The amount of the contributions and the benefits vary greatly. A free online comparison determines the contributions of the high-performance PKV tariffs and the cheapest providers with the highest savings potential. Therefore, a comparison in case of a change ofthe insurance company or a change from the statutory health insurance to the private health insurance is particularly important.
From the conclusion of a private health insurance, only a certain group of people can benefit in principle, to which students and civil servants as well as freelance and self-employed persons are to be counted. Likewise, employees can take out private health insurance whose annual earnings exceed the current compulsory insurance limit, which currently stands at € 49,500 per annum.
A private health insurance (PKV) does not measure the contributions to be paid on the basis of the monthly income of the insured person. This is only the case under the statutory health insurance.
For a cross-provider overview, an insurance comparison within the framework of private health insurance is recommended in which the applicant can see at a glance which insurer currently offers the best conditions for private health insurance. It goes without saying that a corresponding insurance comparison is free for the user .
PKV comparison for the self-employed, civil servants, students, doctors and employees
Today, the field of health insurance is divided into a legal and a private part. Beneficiaries of insurance under private health insurance are freelancers and self-employed persons as well as students, physicians, civil servants and employees with an income above the compulsory insurance limit.
The statutory basic health care within the framework of the statutory health insurance is comparatively lean. For the policyholder, this means, for example, a limited choice of doctor or a shared room during a hospital stay. A statutory health insurance offers subsidies for a cure or certain bonus programs only conditionally. Here, however, the respective health insurance companies differ in many points from each other.
As part of a private health insurance, the basic protection is comparable to the statutory health insurance. Here, however, the patient finds so-called top rates, which include, for example, the accommodation in a single room and the treatment by the chief physician in the context of inpatient stays. In addition, the reimbursement of visual aids or dentures in different tariffs is possible.
Due to the fact that the individual insurance companies may differ significantly in terms of the respective rates in the context of private health insurance, the implementation of an insurance comparison , which is generally free of charge, is recommended in any case . This allows the applicant to obtain an overview of the current conditions of the individual insurance carriers who offer private health insurance in advance.
Likewise, the individual rates of the various insurance companies in the field of private health insurance can be put through their paces and compare the costs incurred with others . In this way, the applicant prevents him from opting for a possibly overpriced tariff of a particular provider.
PKV benefits compared
In the field of statutory health insurance, the services of doctors are strictly budgeted. If the appropriate budgeting is exhausted, it would theoretically behave so that the attending physician would have to work for free. In the field of private health insurance, there is no such budgeting. There is a performance guarantee for all services in the respective tariff.
In principle, the respective insurance cover can be compiled by the policyholder himself within the framework of a private health insurance according to the modular principle. The latter can thus decide for himself which additional benefits he would like to claim in the area of private health insurance and which benefits he may be able to do without. Particularly popular additional rates include the reimbursement of dental treatments, such as dentures. Also, a special rate around visual aids enjoys in the field of private health insurance is becoming increasingly popular.
In general, the tariff in the context of private health insurance depends on various factors. In contrast to the statutory health insurance, the amount of income for the contribution collection of a private health insurance does not matter. It is thus irrelevant how high the annual income of the policyholder is.
Since there are a variety of private health insurance, which differ in both the contributions and in the benefits, it is essential in the context of an insurance comparison before the conclusion of such insurance to compare the private funds. So you can ultimately achieve significant savings in the area of contributions.