It is compulsory to take out health insurance in Germany. This oldest health insurance system in the world goes back to the former Reich Chancellor Otto von Bismarck in 1883. This means that every person living in Germany is insured in the event of illness. Of course, this system offers great advantages, as no one is driven into financial ruin by illness. US citizens, for example, can only dream of this.
This article offers useful information and shows you which health insurance is the right one for you. It also shows the different forms of health insurance and their advantages and disadvantages
Read Blog: Top Health Insurance Companies in 2018
Table of Contents
The statutory health insurance
The statutory health insurances offer only basic protection. And it is precise with this basic protection that more and more health insurance benefits have been restricted in recent years. The statutory health insurance funds emphasize that this is necessary in order not to increase the contributions immeasurably. The monthly health insurance contribution depends on the income of the insured person.
One advantage of statutory health insurance is that the monthly contributions for pensioners are manageable. And for families, there is the family insurance, in which the spouse, as well as the existing children, are also insured.
However, statutory health insurance also has a disadvantage. Doctors earn rather little from patients who have health insurance so that private patients are still given preferential treatment here.
Private health insurance
Compared to the statutory health insurances, private health insurances offer some advantages. For higher-income employees and the self-employed, private health insurance is cheaper than voluntary membership of the statutory health insurance (SHI). Dental costs are a classic example.
Oral hygiene is extremely important for the preservation of the teeth and this also includes professional tooth cleaning. However, such dental cleaning is not covered by the statutory health insurance because such treatment is not considered necessary.
Also for dental prostheses, which are particularly important for pensioners, the statutory health insurance only covers a small part (the so-called lump sum), while private health insurance covers the costs up to 100%.
Private patients also have the advantage of being able to choose a doctor who mainly treats private patients. This considerably increases the choice of doctors available.
Read Blog: Health Insurance: Its Benefits and Types
Finding the best private health insurance – but how?
The range of insurance, including health insurance, is so diverse that it is difficult for many people to understand. If you are looking for private health insurance, you should research the web very carefully first.
It makes sense to compare the different offers. Here a PHI calculator can be a good help. Such a PHI calculator is offered for example on the website www.pkv-rechner-1a.de.
If you use such a portal, you will surely find the best offer for your individual needs. In addition to relevant advice, there is also a tipster commission as a special incentive. It’s definitely worth comparing.