Costs of a private health insurance
The contribution of private health insurance is not calculated from the monthly income, but is based on three factors. The health classification is the largest factor. Equally decisive is an administrative cost component, through which the insurance company is largely financed, as well as a savings component, which is also known as an old-age provision.
The latter ensures that a certain amount is paid in extra at a young age so that the contributions do not increase further after retirement. Due to the unpredictable length of life of the insured and demographic developments, this savings component is a variable that means that contributions cannot always remain stable despite the old-age provisions. However, the individual contributions remain enormously variable and depend on the benefits and the deductible in case of illness that one chooses. Women pay higher sums on average. Around the costs it goes in further topics: Costs of an MRT examination, costs of a dental prosthesis
Special feature for civil servants
A private health insurance can be cancelled without any problems. However, given deadlines must be observed. With the end of an insurance year, the insurance can be cancelled, but with a notice period of three months.
A termination is also possible after premium increases. The customer then has the right to change the health insurance company when the increase occurs. Since a permanent insurance obligation applies in Germany, the change of the insurance must be planned in such a way that one is at no time not insured.
For this one must provide the old insurance company with a proof. However, caution is advised when changing back to the statutory insurance. The change is only possible in exceptional cases.
The main conditions for this are that the income limit of 56. 250€ is not reached and the age. Over 55 years it is almost impossible to change back.
Income threshold
The contribution assessment ceiling describes the amount up to which contributions to the statutory health insurance must be paid. The current limit is 50. 850€ annually.
Up to this salary limit contributions must be paid to the health insurance. The income above the limit is not taken into account for the calculation of the contribution sum. Thus the contribution payments to the health insurance company are capped.
An increase in the contribution assessment ceiling means a higher maximum amount to the statutory health insurance for earners above the limit. A basic tariff has also been available in private health insurance since 2009. It is linked to the same income threshold.
The contribution in the basic tariff for private insurance varies with age, but is fixed at a maximum of 665.29€ per month (as of 2016). The income threshold is adjusted every year. It is calculated on the basis of income development and is adjusted to the company.
