In the coming weeks, the private health insurance companies (PKV) will notify their members of the tariff adjustments for 2013. In some PKV tariffs, premium increases of up to 40 percent are expected, according to media reports. Privately insured people who do not want to accept the tariff increases should look for a new health insurance or a new tariff in good time.
The possibility of adjusting the contribution fundamentally distinguishes the PKV from the statutory health insurance (GKV). Since the private insurers calculate their premiums taking into account the costs actually incurred, the PKV members can expect the premium rates to change annually. In recent years, the sometimes drastic increases in contributions have already led to fierce criticism of the private health insurance system. The privately insured would not infrequently be financially overwhelmed by the massive increase in their insurance premiums, for example criticized the Consumer Advice Center Rhineland-Palatinate in April this year.
Significant premium increases in numerous tariffs While some large private insurers such as Debeka and DKV do not want to increase their premiums by 2014, it has long been clear that other private health insurers such as Central, Gothaer or Hallesche will make their premiums clear in the coming year will raise. For the Landeskrankenhilfe, premium adjustments in the individual tariffs are also expected for 2013. This affects both old customers and new customers. In the tariffs of full insurance for employees, the self-employed and freelancers, as well as for tariffs for children and adolescents, but also for supplementary health insurance, there are largely premium increases of between ten and twenty percent.
Private insured in the cost trap? If the privately insured cannot or do not want to accept the tariff increases, they have the option of changing to a different tariff or looking for a completely new private health insurance. If you change providers, you will usually lose part of your retirement provisions. Although the law offers the privately insured the opportunity to change tariffs or to change insurance, the private health insurers have in some cases drawn up considerable bureaucratic and financial hurdles, the consumer advice center in Rhineland-Palatinate criticized months ago. After the drastic increase in premiums at some private insurers at the beginning of 2012, consumer advocates had evaluated a large number of complaints from private insurers. On the basis of the documents, they found that in only four of the 144 cases examined, “the change could be carried out without any problems.” Accordingly, private insured people are often caught in the trap of costs. In particular, the increasing contribution rates with increasing age make many privately insured people particularly hard, especially since many cannot afford the contribution rates of sometimes more than 1,000 euros with rather low pension income. (fp)
Unisex tariffs: Why private health insurance is becoming significantly more expensive
Unisex tariffs: Many insurance companies are attracting
PKV unisex tariffs hardly cheaper
Gender is not allowed to determine PKV contributions
Switching to the GKV is easier for privately insured
Complaints about an increase in private health insurance contributions
Health insurance: What will change in 2016351a2cc0b08c03 /> Image: s.media / pixelio.de