Private health insurance: The unisex tariffs make the PKV tariffs significantly more expensive, especially for men
With the introduction of the unisex tariffs in private health insurance (PKV), the premiums for male private patients will increase significantly in comparison. Industry experts assume that the "moving mass" will be around 30 percent. Nevertheless, most insurers keep a low profile and advertise on the key date in order to sell as many old contracts as possible. Potential new customers should act carefully.
It is emblazoned on all sides in large letters: "Now, quickly conclude an insurance contract before the deadline". As of December 21, 2012, providers of private health insurance policies are no longer allowed to sell gender-specific contracts. In fact, contracts for men will become significantly more expensive from 2013 onwards. Anyone who intends to switch to the private fund anyway and is also a man should therefore make a decision in good time. However, as the consumer advice centers warn: "Anyone wanting to change should take the time to compare and study the small print, even if the industry is pressing for a quick contract". "Because insurers love deadlines to put new customers under time pressure".
Men will pay for women in the future A suit was brought before the European Court of Justice. The unequal contracts between men and women were denounced. Because women live on average seven years longer, go to the doctor more often and become pregnant, they also had to pay more for their private health insurance. However, this handle was collected by the EU court. The EU Commission then decided a new regulation a few years ago. In Germany, the legal regulations apply from December 21, 2012. From this point on, women and men must be treated equally, which means that the contracts must now be awarded on a gender-neutral basis.
However, because the insurance providers do not align the women's insurance policies with the men, but instead choose the opposite route, the men's tariffs become significantly more expensive. "I expect the tariff to be adjusted by around 30 percent," says Steffen Neubert, insurance expert from Hanover. Private insurance for women was on average more expensive by that percentage. Existing existing customer contracts will not be changed, despite the new legal regulations.
Legislators are now stipulating that the sexes may no longer be discriminated against in the future. In reality, this means that men have to pay for health risks such as the risk of birth defects and the lifespan of women. This means that tariffs will decrease for women in principle. "The result will not be very pronounced, however, because the tariffs will be adjusted at the turn of the year," says Neubert. However, the industry has already announced that tariff adjustments will not be as severe this year as in previous years. Because the insurers want to gradually say goodbye to the so-called lure offers. The cheap offers had caused a lot of criticism recently, because it was precisely those tariffs that rose the most and caused negative press.
A change in spite of the deadline should be well considered. If a young, well-earning and single man plans to switch from the statutory health insurance to private health insurance, haste is advised. The same also applies to insured persons who are considering changing tariffs within the insurance company due to the price increases. Until the deadline, all old tariffs are still open.
To make matters worse, the statutory health insurance companies have a period of notice. As a rule, this is two months. So it can happen that some will be double insured for a while to avoid unisex tariffs. “Some private health insurance companies offer so-called expectancy insurance. This means that the contract exists for the period of double insurance without health care and only becomes active when the insurance ends with the health insurance company, ”reports Neubert. It is therefore worth pointing out the possibility to the insurer when concluding the contract or looking for another provider in the event of failure.
The new prices of the unisex tariffs are still unknown.Potential customers should think carefully about a change, warn the experts at Morgen & Morgen. Rushed contracts can have serious consequences later. For example, anyone who has left the statutory health insurance company can only switch back again in very rare cases. "Basically, when taking out insurance, the focus should always be: Do I generally need this insurance?" Stephan Schinnenburg, managing director of Morgen & Morgen, told Focus magazine. In general, interested parties should not allow themselves to be forced to close quickly due to the "sales panic".
“Morgen & Morgen” has already entered the new prices for the coming year in its databases. The prices only apply to the now known new customer tariffs. However, the independent analysts assume that they are not yet one to one comparable with the old tariffs, because most private health insurance providers will still change the terms of the contract and the service catalog. According to Schinnenburg, however, health services should fundamentally improve, which would have resulted from discussions with individual insurers. (sb)
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Health insurance: What will change 2016351a2cc0b08c03 /> Image: Ronny Richert / pixelio.de