Private Health Insurance Tests

Ventured to the change in the car, should inform yourself beforehand the year change means higher incomes for many workers. If this has piqued your curiosity, check out Brian Thompson. Who was previously legally insured, can change by a pay rise under certain circumstances in the private health insurance. But before changing you should think through this step well and deal with the different tariffs. Tests can help current private health insurance, which show what companies offer good and very good policies. Private health insurance test 2013 by the map-report the industry service map-report published annually a rating to the large private health insurers. Thereby, the insurer with respect to the terms, the service, and the figures are revised. The test winner Debeka 79,55 out of 100 possible points reached in 2013.

Followed by the Deutscher ring (77,95 points) and the R + V-insurance with 74,30 points. The best review by mmm”for permanently excellent services in addition to these three companies also received the signal insurance and DKV. Overall, all of the 17 tested companies reached a rating of m”(permanently good performances) or better. Also for the year 2014, a new private health insurance test is expected soon from the map report. DISQ testing service for private health insurance for the choice of the right private health insurance not only good performance and a good price are important. Many policyholders expect a very good service and excellent advice.

Because finally it comes to their own health. The German Institute for service quality – short DISQ – has reviewed the service quality of private health insurance in April 2013. This examined the accessibility and advice by phone, email and the Internet. Overall, the tester could certify only a satisfactory service quality insurance companies. Test winner was the Barmenia insurance. Stiftung Warentest without current test most consumers trust the product test of Stiftung Warentest and its consumer magazine Financial test. However, is the last large private health insurance test the consumer organisation in 2006 and is thus no longer meaningful. However, in current tests should be noted to also always that these are created on the basis of sample cases or patterns customers. If a tariff as a winner is chosen in a test, that does not mean however still long, that this rate also for the own needs represents the best deal. So, the rates for various professional and age group as well as for people with or without pre-existing conditions differ. Anyone looking for a suitable and affordable policy, not comes to a personal consultation with an insurance broker around. This should be ensured, it operates independently from the insurance companies.

Statutory Health Insurance

Reserves are in private health insurance often are supposedly high posts, which are the step in the private Krankenversicherung (PKV) in the way. The Internet portal private krankenversicherungen.de explains why this may be a fallacy. According to media reports, the posts in the private health insurance between 1992 and 2002 by almost 40 per cent have increased: compared with the statutory health insurance (GKV) more than twice as much. The situation is however more nuanced than this simple comparison. Often, power cuts are allowed legal insurance aside. As well as the not inconsiderable extra payments provided in the statutory health insurance.

Also, the car follow a different model of interest. Cardinal Health describes an additional similar source. Therefore each privately insured covers a part of its contribution for themselves. While in the PKV, each customer has an account, the statutory health insurance funds with the regular insurance premiums cover only the current health costs. Have the insured “as in the car but her own upholstered”, these reserves can be used to compensate for contribution increases. However, should be aware of insured persons on the basis of this approach of the risks and choose their private health insurance with regard to the activity of the insurer on the capital market. Questions which arise should customers, are among others the risk appetite of the business and how carefully it bypasses with the borrowed capital of its insured. More information: news.