Health Insurance in Germany - Private health insurance germany

Private health insurance Germany About 87 percent of people have a compulsory health insurance. In May 2005, the law invoked 321 insurance funds to non-profit to collect dues from members and pay health care providers according to negotiated agreements.

Those who are not insured this way, mainly civil servants and self-employed, receive health care through private insurance.private health insurance Germany. It is estimated that 0.3 percent of the German population (about 250,000 people) had no health insurance at all.

Some of them are so rich they do not need, but most of them are poor and receive health care through social assistance.private health insurance Germany.

Private health insurance

About eleven percent of German residents pay private health insurance provided by an insurance company 40 profit.private health insurance Germany  Many of those who chose private insurance are civil servants who want to ensure a percentage of medical expenses not covered by the government.private health insurance Germany  Some members of the health insurance buy additional private insurance to cover extras such as a private room or a choice of physicians while in a hospital.

Moreover,private health insurance Germany  the medical care provided to citizens and private insurance is identical. In both cases, you use the same medical facilities. Independent workers who earn above the income limit must have private insurance.

Private health insurance Germany  Members of a health insurance to be for a private insurance company is not allowed to return to public insurance.

Unlike Heath insurance law,private health insurance Germany  contributions to private insurance depend on the member's age, sex, occupation and health, individual risk. Although private insurance companies pay health care providers about twice the amount paid

by the insurance funds basic private health insurance is often cheaper than statutory health insurance, especially for younger policyholders no charge. As is the case for members of sickness funds, employees who have private insurance have half their premiums paid by employers.private health insurance Germany.

Compulsory health insurance

Private health insurance Germany There are three different types of health insurance funds: primary funds, alternative funds and special funds. Some workers are required to be members of the primary funds, for example, if they earn less than the income ceiling (2006: EUR 3,937.50 per month / EUR 47,250.00 per year).

Private health insurance Germany  Those who earn more than this limit may be members on a voluntary basis, or may have a variety of backgrounds.

Some of them become members of a particular fund, for example, because of their occupation (company-based funds) or place of residence (home sickness). Some professions have their own special funds, Leg farmers or sailors.private health insurance Germany   replacement funds are divided into two types: provide health insurance for office workers and manual workers earn more than the income limit. Membership is voluntary.

Both employers and employees pay half the premiums of a member,private health insurance Germany which in 2006 averaged between 13 and 14 percent of the gross salary of a worker in the assessment of the contribution (2006 Ceiling: 3,562.50 EUR per month / 42,750.00 Euros per year).

Private health insurance Germany Premiums are based on income rather than risk and are unaffected by marital status, family size or health of the member. Premiums are the same for all members in a particular fund, with the same results.

The information portal about health insurance in Germany reports on developments and changes in the German market for health insurance and provides insurance quotes called "Darkeners" between health insurance companies and private mandatory. Katrina Giese is used for online research service and information. private health insurance Germany.

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