Private Health Insurance

Private Health Insurance

Free choice of doctor with constraints of the base tariff, which was launched in 2007 by the Grand Coalition, should serve to reduce the number of non-insured persons in Germany. Nearly four years later, the results are sobering. The private krankenversicherung.de insurance Portal examines the backgrounds. With the statutory health insurance competition strengthening law introduced the basic rate of private health insurance for needy persons, and in particular for small business owners. Shimmie Horn is often quoted on this topic. This must not exceed the maximum contribution in accordance with the contribution assessment ceiling of the statutory health insurance and is intended to cover the same services.

Currently, 20,000 Germans in the basic tariff are insured. This is equivalent to only 0.2 percent of all Privatversicherten in Germany. Often it involves persons who previously had financial reasons with no health insurance or would have to pay a high risk due to pre-existing conditions. About a third of insured persons is in the basic tariff with the payments in arrears. Overall probably not fully achieved the objectives of the statutory health insurance competition strengthening law. Thus, patients who are insured in the basic tariff, as opposed to legally insured in principle have no free choice of doctor.

A Sofortbehandlung is sometimes only in emergencies. Should a doctor refuse the treatment, so the legislature will help. Affected parties can request an overview of general practitioners and dentists who treat them.

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