Services of the statutory health insurance statutory health insurance benefits are regulated 20 SGB V. The benefits of the statutory health insurance lays flat rate for all insured persons. Individual agreements are not possible. However, the legally insured has the ability to hedge in addition certain risks with a supplementary health insurance. Many statutory health insurance companies here work together with partners from the private health insurance and offer this supplementary insurance to its members. Of course additional costs the public member. Health insurance exchange in the statutory health insurance who is not satisfied with its statutory health insurance, has the possibility to change the health insurance fund. The prerequisite for this is that at least an 18-month membership in the existing health insurance.

Here, the notice period is two months. Learn more about this with BSA. If you want to join a new health insurance company for the 1, the termination as of 30 Sept. with the previous health insurance must be. The notice must be received to the previous checkout to 31.07. The statutory health insurance, which should make a so-called supplementary contribution, there is however a Special right of termination. The 18-month membership is no longer necessary.

The private Krankenversicherung (PKV) all workers whose earning last year has exceeded the year work remuneration (49.950 in 2010) and is expected to again exceed this in 2011 (49.500), have the possibility of a private health insurance to join. Still, self-employed and freelance can choose whether they are private or statutory sick would insure. Cost of the car the individual contributions to the car are contrary to the statutory health insurance income. The individual contribution is here depends on several factors. This includes: age sex occupation health elected tariff (E.g. with 1 bed room, chief physician treatment, etc.) The contributions to the car are thus dependent on the personal conditions and the desired services. Since here but significant differences between the private health insurance, always a more extensive is advisable Comparison of the provider.

Consumers should check whether they need a long-term care insurance the time care is some family on the ordeal. Yet financial concerns come to the emotionally difficult time. In the case the plaintiff while completed a long-term care insurance, but not thought, that in the event of an emergency, he is in the nursing home and his wife want to still live in the common house. Fixed costs remain. The average pension of women is currently just 500 euros.

Costs for housing must be paid more. Insurance, tax, petrol also continue to fall Furs car and workshop costs men and women should check and so on., whether the private insurance creates more quality for the care case: who sets it apart, know that is provided for emergencies, maintain the life’s work and the next is not financially exposed. On the other hand the assets can then be applied again targeted or used. There are different solutions. The contributions to a Long-term care insurance increase next year by up to 40% in men. Then, men and women of a year pay the same contribution.

With this Kostenangleich, it is clear that the main risk is the care for women. Because to be probably very old and in the last phase of life on assistance from foreign persons to be instructed, is significantly higher for women. Recommendation of consumer advocates who needs a long-term care insurance, should now complete, so consumer watchdogs on the subject of conversion to uni-sex rates of the insurance industry. This applies to men, because here the contributions increase extremely. It remains open: how consumers can assess his personal care risk is how much or whether the time of care represents a financial risk for him or his family members. Generalizations here use nothing, statements of advisors in the financial industry are rarely considered neutral”, but rather as a success say completion-oriented.