European Parliament

The year 2011 designed for the private health insurance very pleasing important changes in the private health insurance in 2012. Significantly more insured to a shift in the private health insurance have opted by reducing the statutory waiting period from three years to one year. So, the number of new additions in a private health insurance was 20 percent over the corresponding period of the previous year in the first half of 2011. Thus, nearly 9 million people in Germany were privately insured end of June. More about 119,000 private supplementary insurance contracts were added.

Also this value significantly higher than the comparison period and resulted in a total of 22.09 million private additional insurance until the end of June. In particular care insurance, dental fees and optional services were in demand in the hospital. The Association of private health insurance is optimistic that the success can be continued in 2012. Some changes coming in the new year at insured. From the 1. January 2012 the income limits of the health and social security are adapted to the wage and salary development. So the contribution assessment ceiling, so those amount to the posts at most collected for statutory health insurance, of annual 44.550 Euro Euro 45.900 rises. This is equivalent to monthly amounts of 3.712,50 euros and 3.825,00 euros.

At the same time increasing the compulsory insurance limit, which is known as year working pay limit and to determine at which level of annual gross earnings a worker is no longer compulsorily in the statutory health insurance, 50.850 euro. This corresponds to a monthly amount of 4.237,50 euro. Make a note of the insured should be also 21 December 2012. at the latest up to this point insurance companies must offer Court uniform rates for women and men in accordance with a decision of the European Parliament. These gender-neutral unisex tariffs apply for private health insurance, but also for other policies like for example, pension, life insurance and occupational – legally binding. The previous differentiated pricing, which arose because of the different gender-related risks will be no later than on the date. What exactly this means for the insured is still unclear at the present time. But experts expect that the adjustment could lead to a general increase in contribution. Insured persons enjoy an extraordinary termination right in this case. As a result, any cheaper fares on the same provider as well as a change to a private provider other than alternatives can be tested. A change should be still considered as valuable provisions could be lost, as well as a new health check may be required. “Because so far the exact design of the adaptation, nor the financial implications are known, should pursue insurance initially restrained further development”, recommends that the Managing Director of JuMFinanz UG (limited liability), Marco Otter leg. About insurance Deutschland.de insurance Deutschland.