- Lenders

Does private health insurance make sense?

The grand coalition wants to abolish the so-called two-class medicine in Germany. In terms of health care, there should be fewer differences between health insurance patients and private individuals in the future. Many people therefore ask themselves for whom private health insurance continues to be a sensible alternative to legal protection.

A major goal of the new federal government is the approximation of legal and private health insurance. So far, privately insured are often better off in the supply than cash patients. Health Minister Jens Spahn (CDU) wants to end the inequalities with measures such as a faster appointment and a better doctor’s fee for legally insured.

In the course of the planned harmonization of health protection, the question often arises as to whether private health insurance will continue to make sense in the future . The number of insured persons has declined in recent years. In 2011, almost nine million people were privately insured, in 2016 only about 8.7 million people. The exact reasons for the decline can not be clearly determined. However, it is clear that private protection is not recommended for everyone. Thus, private patients benefit from extensive benefits, but they have to reach deep into their pockets when they are old.

For whom is private health insurance useful?

It makes sense to conclude a private health insurance, especially for civil servants and high earners. Thus, the former are eligible for aid and therefore usually have to pay only a small part of the insurance contribution itself. Even young people with a high income benefit in private health insurance. There, the contribution amount depends, among other things, on age and state of health instead of income. In addition, employees receive a subsidy from their employer for private health insurance . This amounts to half of the insurance contribution, but not more than the maximum employer’s contribution to the statutory health insurance from currently around 323 euros per month.

However, there are sometimes serious price differences between the providers. The costs, for example, depend on the scope of benefits insured agree. The consumer center of North Rhine-Westphalia, however, advises against wanting to save on the benefits. “Who chooses the lean price, because he can not afford a normal rate, should rather keep away from private health insurance,” said the consumer advocates.

Private health insurance: Where is the best protection?

Which insurers score with a balanced price-performance ratio, shows a recent private health insurance test of the analysis house Franke and Bornberg for the Handelsblatt. The experts have taken various offers for basic, standard and top protection under the microscope and evaluated their costs and the service package. For this a 35-year healthy sample customer was accepted.

In the standard protection category, eight providers convince with a very good result, including:

  • Barmenia – einsAprima + (monthly fee 484,05 Euro)
  • Debeka – N (514 Euro)
  • South German – AM30, S1, Z6 (522,76 Euro)
  • Continentale – COMFORT-U, SP2. AV-P1, KSU100 (358,02 Euro)
  • Alliance – AktiMedPlus100 (AMP100U) (534,26 Euro)

Tip: The contributions are based on the sample customer and can therefore only serve as a rough guideline. The personally best mix of price and benefits find interested only with an individual offer for private health insurance.

With age, the cost of PKV increase

Unlike high earners and civil servants, families in particular should think carefully about whether private health insurance makes sense for them. A family insurance, with the children and life partners are insured free of charge, there is not in the PKV. The offspring therefore need a separate tariff.

Even in case of pre-existing conditions, it is advisable to think carefully about how useful private health protection is. Because these are often associated with higher contributions. Anyone who still wants to take out private health insurance should make sure that they can pay the PKV costs even in old age . The older the insured, the higher the contributions usually climb. In order to cushion this, insurers are building up so-called old age provisions. However, rising costs for older insured persons can not be completely avoided.

About Paul Zapata

Read All Posts By Paul Zapata