Only a few switched to private health insurance



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Only a few switched to private health insurance

Since the health reform came into effect at the beginning of the year, statutory health insurers (GKV) can switch to private health insurance (PKV) more quickly. Despite the greatest media attention, apparently many hesitate to take the step towards private health insurance. Because whoever changes once, the way back to the SHI remains closed forever.

According to a recent survey conducted by the TNS Infratest polling institute, many regret their move to private health insurance at the time. Ten percent of the privately insured said they would “no longer” switch to private health insurance if they were faced with the election again. Eight percent said they "probably" would no longer change and another ten percent said they would only "possibly" change. Overall, a third of those questioned doubted that they would switch.

4.5 million people could currently switch to private health insurance. According to health economists, around 4.5 million insured persons have voluntary statutory health insurance. That means that just as many people could switch to private health insurance if they wanted to. But last year, just 16,000 people took this irreversible step. This means that the potential to win new customers was far from being exhausted last year. Because the skepticism about a hasty change continues with many employees and also freelancers. While the premiums in young insurance years are sensationally low, the bad awakening comes with age and new family planning. While unemployed spouses and children can be insured for free in the family insurance of the statutory health insurance, the PKV does not know such a social facility. If you are privately insured, you must take out an extra tariff for children and spouses. For this reason, the Confederation of Insureds and consumer advice centers warns of a premature change. As can now be seen, apparently with success.

PKV Association Expects Increasing Interest The Federal Association of Private Health Insurers (PKV) is optimistic. Its chairman, Reinhold Schulte, anticipates significant migration towards PKV. The number of privately insured persons rose by one percent in the last financial year. In 2011, new customer business is expected to pick up significantly due to the new legal regulations.

For when the change is worthwhile The state subsidies could make a change for civil servants and start-ups. Those who are young often have to pay little for the so-called entry tariffs. But independent consumer advocates advise caution. The tariffs of PKV are continuously adjusted and increased. The contributions increase with the changes in one's own life situation. And finally, if you have left the lap of the statutory health insurance, you can not go back. In the case of tariff increases, then only the change within the private health insurance will help with mostly new classifications and health tests. (sb)

Also read:
Many insured dissatisfied with the private health insurance
Medical Association sees "self-destruction" of the PKV
PKV association sees no losses
PKV entry tariffs often offer less than GKV

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