My Private Krankenversicherung (PKV) Is Too Expensive! PKV Worldwide
How can I as a customer of a private health insurance (PKV) to reduce the contribution of health insurance? The worldwide health insurance private health insurance worldwide / private health insurance contribution (PKV) too high is your private Krankenversicherung (PKV) too expensive? What options do you have as a customer your health insurance contribution (PKV) to reduce without further risk premiums or accept performance exclusions? Usually many private health insurance companies to go out and make it more difficult for the existing customers a tariff change, which causes a reduction in costs. The most insurers request a re-examination of the health of your regular customers a rate change with the imputation of existing retirement provisions. Basically the entire health data of for private health insurance (PKV) are on one (by the billing of services, all health data are stored) and the other “new” include typically lower benefits, contained in the current tariff are. Usually only small additional services be installed (E.g. post liberation in care level III, the => according to the medical service, which is responsible for the determination of legal and private duty care (PVN), does not apply to 99%), which can cause a new health check. Through this procedure, the private insurers (PKV) basically provides that the newly developed tariffs do not disproportionate contribution development in the first years. Should the tariff conversion you want cause a risk premium in the new lower rate (except no) after completing the risk assessment, this going for you as a customer only in certain exceptions is acceptable. Basically, you should assume no risk a tariff change as existing customer.
Because the risk grows with the health insurance contribution and is generally no longer (a risk premium can be maintained by the private health insurance, even if for years taken out the cause of the risk no longer exists (ruling District Court Karlsruhe, ref. 4 O 581/08)). A risk premium in the private health insurance should be justified only if the required output is required. As existing customer must not accept this risk premium for the “new rate”, but your health insurer may require that the additional services to the existing tariff be excluded (section 204 VVG). It gives you on the one hand, a more cost-effective health insurance contribution and on the other hand, are located in an open collective work. Please note that your qualified retirement provision be credited with, but usually cheaper rate with same health insurance company include lower benefits.
A change of tariffs within a private health insurance should be always well thought out, because a return only with renewed risk assessment is possible. There are some private health insurance companies, which perform no further risk assessment in a Trifumstellung, that you should always when a new private insurance (PKV) notice, as with increasing age, the health insurance contribution will increase. As an expert for the global health fund, we provide for our customers, that compared the pros and cons and you can make your right decision. Private health insurance around the world:
Tags: insurance & pension, money