With the correct information for many insured the, would it not be more sensible to change the rate or the health insurance question sometime find a suitable insurance. Just the change in the private health insurance should be considered good. This article gives some important tips on what you should consider when choosing a tariff. Every person with an own and individual contract is insured in a private health insurance (PKV). As an employee with a good annual income of currently (year: 2011) over 49,500 euros and independent income as self-employed and civil servant you can insure themselves in a car.
Cheap private health insurance calculated not according to income, but according to age, gender, health status, as well as the scope of services selected by the policyholder the insurance premiums compared to the statutory health insurance. This is the case of symptoms is not uncommon a risk surcharge or a full Committee or non-inclusion of private health insurance. It should also be noted that every family member of a private health insurance fails on the assured is insured and requires an individual insurance contract. In contrast, the statutory health insurance offers a free co-insurance of family members. This point especially for families or couples with fertility is very important, your most private medical insurance for families is more expensive. The selection of fares of the various private health insurers is enormous and depending on the individual needs of the insured. There are cheap rates that correspond to the scope of a statutory health insurance scheme or sometimes even including, until going to luxury rates, which provide first-class treatment in all areas of treatment.
For example, a chief physician treatment and a single room can be. Between these two extreme there are all possible rates and hence different contribution rates. Upon completion of a private health insurance, you should incorporate some important standards with. So for example, the billing of medical treatments should be above the level of the statutory health insurance and that times the fees for doctors be at least 3.5. A limit of psychotherapeutic treatments should not exist or amount to at least 50 meetings in the year. It is also an option on a supplementary important without dialing health review. Thus, it is possible to increase the insured without having to take the risk by a re-examination of health to pay more.