Numerous privately despair in the face of increasingly more expensive and insurance premiums. Numerous privately despair in the face of increasingly more expensive and insurance premiums. That this problem easily is solved, many do not know. The contribution can be reduced by a change of tariffs within the own insurance company by up to 50 percent without having the policyholder must give up services. Insufficient and incorrect information by insurers because through the transfer by old customers to newer and cheaper fares often financial disadvantage the private health insurance companies, resist them often. In many societies, it is therefore common practice to recommend insured persons who want to switch, only the basic tariff. Also claims be, that a conversion only against a re-examination of health or a risk premium is possible or that the tariffs available to new customers only or particular vintages.
Also customers willing to Exchange have often to hear that smaller contributions with a comparable insurance coverage would be incompatible. Options available legally but privatversicherten which would also continue to enjoy privileges, including potential grants, for example, for the eyes lasers, which insurance companies like to mention. Post optimization has 204 VVG everyone according to according to paragraph 204 of the German insurance contract law (VVG) insured persons the right to conclude a less expensive fare in the own insurance company, which includes the same as the previous. Already acquired rights such as retirement provision and the previously recognized health be taken over in the new Treaty. Filed under: James A. Levine, M.D.. Strong some of the ageing (ageing) of many older tariffs can be avoid.
Longer which so far remains insured in a collective and the he will pay higher contributions, the optimization opportunities and individual savings potential, is the greater which composed of the Exchange results. Can be up to several thousand euros. Typically, a tariff change is leaving private health insurance preferable if the insurance relationship for more than five years. With the change of tariffs up to fifty percent contributions save basically a customer at a lower rate can change, as many times as he wants. In this way, the insurance premium in some cases by nearly half can be reduced. Average insured pay 2,000 to 2,500 euros of less after changing each year. In some cases even up to 500 euro savings according to the Stiftung Warentest a month. In addition to the opaque confusing, there are rarely same benefits in two different price problem however. A change in a tariff, which is as much as the already existing is entirely without difficulty. The cost includes more services than the old one, the insurance company has the right, for the resulting power and solely a health review to demand or to charge a risk. Who don’t want this or passes the test, can, however, waive the additional benefits and take advantage of the new tariff with the previously existing scope. Contribution reliefs represent a big financial challenge the increases in the premiums of private health insurance for people over 55 years of age and retirees especially for pensioners. Theoretically, there are two ways to reduce the contributions for the elderly: the change of the car or the change of tariffs within the respective insurance company. However, only the second option is really attractive, because only at this age provisions saved over the many years of insurance is not lost. Check your car fare now.