The cheapest health insurance in Germany requires an additional contribution of just 0.39 per cent, such as the comparison portal Check24, in a study has determined. On average, funds charge 0.99 per cent – almost three times. "With a cash in exchange consumers to reduce their contribution to the statutory health insurance of the reliable," says an expert from Check24. Health insurance-benefits at a Glance (indicator) Now in the free health insurance comparison to find the best conditions!Not all of the funds to reduce 2020 contributions – exchange more interesting
The same is true for the coming year. Because, despite a large Surplus, not all health insurance companies would lower their contributions for fear of further rising costs.
A cash exchange 2019 brought the compulsory insured in the state of Brandenburg, the highest Savings. The reason for the discrepancy in the additional contribution is especially high: The cheapest cash required to 0.39 per cent, the most expensive 2.5 percent – well over six times as much.
for a shift to cost-effective cash in an Insured person with an annual income of 54.450 € (contribution assessment ceiling 2019) could save up to 574 Euro in the year. Workers with an annual income of 30,000 euros, on the meadows is still a savings potential of up to 317 of the Euro, such as Check24 calculated.
Even in the nation-wide average, a high level of Saving is possible: employees can save up to 302 Euro per year when you switch to the cheapest nationwide open Fund. Content check: The gross-to-net calculator 2020, much net is left for them by the grosspublic health insurance: contribution rates and maximum savings potential according to the state of Check24 Sorted according to the maximum savings potential workers 54.450 € gross p. a. and Alphabet; the table contains any company-related health insurance. So, you can find the best health insurance provider
willing to Change should be well-informed before you leave your current provider: "When choosing a new health insurance Fund, especially the Fund-specific services are in addition to the supplementary contribution is crucial, for example, the Acquisition of professional dental cleaning or osteopathy," explains the Check24-expert. The monthly contributions, therefore, play an important role – in addition, other criteria are to consider.
The Stiftung Warentest advises statutory health insurance in your Fund choice, to pay attention to the special benefit offers:extra precaution for women
pay grants Some funds for their female members, if you are more likely to use tests for the early detection of diseases such as ultrasound examination of the breast, the uterus or the ovaries.
The same is true for courses in which women learn to examine themselves according to the "Mamma-care" method.catalogue of criteria helps in the choice of the appropriate Fund
in addition, the Foundation gives test advice were should what are willing to change Fund patients during their decision-oriented:
- Consult your current cashier is obliged to advise their members in detail . Thus, the unknown benefits may be yet to use.
- Not only is the change to a more favorable cash register brings money. Insured can also save if you use the services of your current cash better, how the experts write. It could pay off for example, if Fund members "to participate in certain programs," the Council said. The health-conscious behaviour could press the cost. Many funds participate in the bill for a professional dental cleaning.
- Special forms of Care benefits: These include, for example, the doctor or additional services for the chronically Ill include. However, Not all Doctors take part in such programs.
- Who changes because of certain services to the Fund, to confirm that the new Fund be granted to the tools for even longer.
- Even the layman can get a picture of how well the Fund of your choice stands financially. An important indicator of whether the cash register high reserves has. PDF The Top rehabilitation hospitals in 2020
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