If you're self-employed is to keep asking how you can make sure. Taking a private health insurance or a statutory health insurance services.
As in Germany now a compulsory insurance must be there again and again at advantages and disadvantages.
Today I show you this.
Private health insurance
advantages
● review design individually depending on the tariff
● Free collective choice, individual composition of insurance coverage
● contribution calculation for single high-income advantageous
● Free choice of doctors, also Private doctors
● Better treatment because the doctors get more money
● Hospital services in a single room / doctor in charge, depending on the tariff
● reimbursement Therapy, depending on the tariff
● Relatively high cost reimbursement dentures, depending on the tariff
● rebates for non-use of services
● Global health cover, depending on the tariff
Cons: ● ●
risk premiums or exclusion of benefits in medical history, possible
Each family member's monthly premium contribution
● duty pay, even for prolonged disease for 6 weeks
● change of health insurance is limited possible
● invoices must be pre-paid within a certain framework
● litigation costs in the civil courts conducted
● No exemption from contributions during maternity and parental leave
● Total limit for dentures in the first years possible
● No takeover of the accommodation costs of spa treatment
● No Acquisition of foreign repatriation costs, depending on the tariff
Statutory Health Insurance
advantages
● No waiting for health insurance exchange
● Free-insurance of spouses and children with no income
● No requirement to pay contributions even after prolonged illness for 6 weeks post
● freedom during maternity and parental leave
maternity care treatments for mothers
● ●
if necessary. Sickness in disability and illness of a child after medical treatment
● provision of a financial assistance under certain conditions
● Expenses with doctors and hospitals made possible by the health insurance
● Free action before the social court to appeal decisions of the fund
● hardship provisions are possible
● No objection from the health insurance possible
Disadvantages:
● No individual design of the insurance cover
● contribution calculation for single high-income unfavorable
● No effect on post design
● long bond (18 MONTHS) to the selected health insurance ●
treatment only by cash-contract physicians and dentists
● When abroad and to some extent limited no power, no acquisition of foreign repatriation costs
● ● Regular co-payments for drugs as well as medicines and medical aids
● co-payments for the first 14 days for inpatient stays
● No reimbursement Therapy
● Higher co-payments for dentures
Source: www.pv-kv.de
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