Health insurance: insure properly and save smart

Health insurance: insure properly and save smart

  • Compulsory health insurance guarantees a minimum level of care for the insured
  • In some cases, it is worth taking out additional insurance to avoid high tracking costs.
  • The correct composition requires time and concentration for the correct decision.

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Health insurance in Germany

If you live in Germany, you must have health insurance. Regardless of job or other criteria, citizens must guarantee their insurance coverage. There are two ways to do this.

1. Compulsory health insurance

Employees have mandatory health insurance, which is paid for by the employer and the employee. The part corresponding to health insurance is deducted and discounted directly from the gross salary. In the case of job seekers or long-term unemployed, this task is assumed by the placement agency or the job center.

Anyone who does not work or is self-employed can voluntarily take out compulsory insurance with a public health insurance company. Depending on income, the health insurance contribution is 14 percent of income, but at least 191 euros per month. For higher incomes, the base value is EUR 735.30 plus long-term care insurance costs.

Children are automatically insured by their parents in the compulsory health insurance until they are 25 years old or when they start training.

Compulsory insurance has advantages and disadvantages for the insured, which are summarized below:

2. Private health insurance

People who are self-employed or expect more from health insurance than basic care may want to consider private health insurance. Depending on the service package and additional options desired, private health insurance companies can combine complete services.

Included can be:

  • chief medical treatment
  • Dental treatment and assumption of costs for dentures
  • Additional services if the production costs of glasses, prostheses or hearing aids are covered
  • Rewards programs with the possibility of paying back premiums

Private health insurance costs are in the mid-three-digit range. At first glance it may seem more expensive, but it makes sense, especially if you have a stable and good income with many advantages. Private insurance contributions remain stable each month and are not based on income level. Only in the case of individual benefit adjustments is the contribution increased.

Private health insurance has some disadvantages to consider, as described below:

  • Impossibility of changing to compulsory health insurance from the age of 55
  • Additional costs for children’s insurance
  • Low-income self-employed workers should carefully weigh the monthly costs of private health insurance so they don’t go overboard financially.
  • Access to private health insurance is done through a medical check-up
  • A negative SCHUFA rating may prevent admission

How is preventive health care optimally designed?

Compared with compulsory health insurance with long-term care insurance and daily sickness benefits, users have taken care of basic security. But what about the costs that are not covered by health insurance? This may include:

  • cost of glasses
  • hearing aid costs
  • Costs for medical aids such as walkers or nursing beds
  • Cost of child’s orthodontics
  • denture costs

Dentures in particular can put a big hole in the family budget. Individuals below the poverty line have the option of submitting a hardship claim to the health insurance company. This may allow you to cover the full cost of necessary treatment. Everyone else has to bear the costs beyond the mandatory contribution.

That is why the choice of complementary medical insurance is important.

1. Supplemental dental insurance

Inlays, fillings, and crowns are expensive. It’s worth taking out supplemental dental insurance, especially at the dentist, to create coverage that goes beyond standard care. Providers like Hallesche offer supplemental dental insurance that may fit your pocket. Clients benefit from full reimbursement of treatment costs for an intact tooth and prophylaxis twice a year. In addition, the client decides for himself whether the insurance should cover the dentures and the amount. The simplest rates for a 30-year-old person start at 10.90 euros per month.

Find out the Hallesche Versicherung fees now (announcement)

Gothaer supplemental dental insurance is also extensively featured. It offers three rates, which differ in the assumption of costs for dentures. Coverage of 80, 90 or 100 percent for a service that is billed privately. Dental treatment costs are covered. Professional dental cleaning and teeth whitening (bleaching) measures are included with a budget of 200 euros per year. New customers can also receive two benefits:

  1. An electric toothbrush if they opt for the contract
  2. Advantages of change in the smaller reimbursement categories

In addition, there are no waiting times, so the insurance coverage becomes effective immediately. Gothaer supports inlays and implants in unlimited quantities.

2. Insurance for glasses and hearing aids

Visual and hearing aids are only partially covered by the statutory health insurance. Anyone who doesn’t want to walk around with a “cash register” or “cash register” is advised to invest in eyeglasses or hearing aid insurance. This insurance also applies if there is damage to the device or glasses that require repair.

Here are some eyeglass and hearing aid insurance providers at a glance:

3. International medical insurance

Anyone who has insured the most important risks in his country is not always covered in case of illness abroad. Compulsory health insurance only comes into play if you have a social security agreement with the country, as is the case within the EU. However, only within the framework of the maximum specifications that apply in Germany. Excessive expenses will be borne by the claim.

Anyone who travels a lot or is on business trips abroad should look into international health insurance.

Allianz offers travel medical insurance that covers trips of up to 56 days a year. This service includes round trip transportation, on-site treatment and comprehensive insurance coverage. In exchange, policyholders receive a card in real time so they don’t have to pay costs from their own budget. Insurance for sports equipment carried or rented is also included. In case of a coronary disease abroad, the costs of treatment will be borne.

Check the Allianz offer now!

With Barmenia’s offer, the individual package for a single trip is easily assembled. In addition to choosing one-time protection or annual protection, consumers can also choose from the following travel health insurance benefits:

International medical insurance with

  • baggage insurance
  • cancellation insurance
  • liability abroad

Barmenia includes in the health insurance itself: treatment expenses, return transportation, dental treatment and rescue expenses.

Now to the Barmenia (ad)

Anyone struggling to make a decision benefits from providers like CLARK, which is an intermediary agency for insurance companies. In addition to the simple use and comparison of various offers, CLARK also offers service by phone, email or chat. Competent employees work with the client to determine the requirements of an appropriate insurance policy and can then arrange bids for the appropriate insurer. A valuable subject especially as a center for help and advice in decision-making.

In this article we inform about several products. Some of these products are provided with so-called partner links: If you order a product via such a link, in some cases we receive a commission. The price for you remains unchanged. In order to assign commissions, our partners use necessary cookies that are set when you click on partner links. Commissions do not affect our grades or test results. Learn more about how publisher affiliate marketing works here.

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