Archive for July, 2010

07.16
10

Private Health Insurance

by HFCadmin ·

The private health insurance to the healthcare industry is the counterpart to the public health insurance, the benefits are clearly higher in the private health insurance. Who’s statutory health insurance can not replace the private health insurance, as there are certain conditions for it can, at least by private supplemental insurance to improve its legal enormous. Furthermore, the private health insurance is divided into several divisions, of which the policyholder can choose the in which he holds an insurance necessary. This is the contribution of great importance, because the cost is not calculated as in the statutory health insurance based on income but on the basis of the scope of services. One category is the outpatient treatment, in which the insurance costs for medical treatment and for remedies and aids. Partially treatment abroad or alternative healing methods are included. In the context of inpatient treatment in hospital you can let the assurances by the chief physician treatment and accommodation in single or twin room. The conclusion of a hospital daily allowance to get the agreed amount for each day you spend in the hospital must be paid.

The dental treatment and dentures is one of the most important divisions, since the cost just for inlays, and implants are higher and higher. Through such private health insurance can prevent you that you have to do without due to an excessive contribution to the necessary treatment. The sickness funds serve as income replacement if one is prevented by a long illness in the exercise of his profession. A comparison of the different providers makes sense in any event, because you can save this because of the many different fares a lot of money without losing benefits must.

07.5
10

Voluntary Health Insurance

by HFCadmin ·

Earn an employee of the ceiling total of three years in succession he can go into private health insurance but still remain as a voluntary member of the public health insurance. Self-employed, however, can immediately switch to private health insurance but remain under certain conditions in the statutory health insurance. Voluntary membership in the statutory health insurance has its advantages, if the wife does not cooperate, and possibly even children are there. Children and the wife will benefit from the free co-insurance in the statutory health insurance. Here the employee can choose between a general and reduced contribution rate. The difference between general and is reduced only at the patient’s daily allowance. In the general contribution is a sickness allowance.

With the reduced contribution of workers to dispense with a sick pay and paid less then review. This is not recommended, however, because there is prolonged illness after six weeks sick pay no more money. Who has voted yet the reduced contribution rate will be surprised from the pension, as of that date is the reduced contribution from the general contribution rate and retirement age anyway even though no sickness allowance is required. The Federal Social Court has been brought by those concerned, the one, is voluntary health insurance was therefore rejected and also confirmed that it does not violate the Constitution. It is about the principle of solidarity, the GKV rests on the solidarity-based financing by contributors to the solidarity between the generations. What to pay pensioners in the health insurance covers the expenses of health insurance a long time and then is also financed in large part by workers. Therefore, the retired pay of general type with some contribution back to the community of solidarity.