1. Contact to the private health insurance

record, regardless of the contribution of the increase in private insured the right to change their insurance company in a lower rate. This exchange should include consent to contact your insurance agent and to a lower Tariff questions. A largely unknown verdict of the Federal administrative court States that this change is possible, and without compromising on performance. Who brings that to his insurance company, pays an average of 1500 euros per year less in health insurance.

Here is an example from my consulting practice: A 74-year-old entrepreneur couple pays together 1500 euros per month in private health insurance. This is about half of the joint pension of 3200 euros. On your own demand, the two will be offered the standard tariff for pensioners. This will cost significantly less, but can do just as much as the statutory health insurance. Just at the age when the benefits are important, to abandon the pensioners of that?

We are stuck in the game and have taken the support of a lawyer to do this. Now you have been within your company regrouped and pay nearly 900 euros, 600 euros of Savings in a month, or EUR 5,400 less per year. Benefits and deductible remained almost the same.

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2 to rise. Stay tuned and don't get rid of

another example: Mr. Maier is this year 60 years old. Because of a chronic disease he had to reduce his working hours. Back in the statutory compulsory insurance, however, he cannot, because he has exceeded the limit of 55 years. A classic Dilemma: Mr. Maier is sitting on 870 Euro cost of private health insurance per month. The Person

Dieter Homburg, master consultant in Finance and founded already at the age of 21 years to be the first consulting company with a focus on retirement planning. He is the author of the book "retirement for Dummies" (Wiley publishing). For more information: https://dieterhomburg.de/pkv-check/

After negotiations with his insurance and he got just then cheaper rates offered, if at the same time the benefits decrease, or the equity percentage, were increased. This is not an Alternative for him. Of course, the private health insurers are often not interested in the Sick, in a lower rate regroup. According to Section 204 of the insurance contract act, you must allow it. Only when the desired rate has better benefits, the insurer may demand a health examination. But even then, sit Assured on the longer lever. The insurer may only cancel the additional services to your existing Tariff. It remains so at least as well assured as in the past. Just for the longterm Insured, such as Mr. Maier is almost always the best way, as the already established old-age provisions remain intact.

By the first negative responses of the insurance should not put you off. As it is, have a long breath and let it not get rid of. Often the response to the independent consultant, because they have specialized lawyers in the back that can the tariff change, if necessary, by pressing.

saving 1500 Euro per year and more

in 2010, the Alliance health insurance has to be lost before the Federal administrative court in a dispute after she wanted to allow consumers of the change of tariff law, against a contribution surcharge (file no. 8 C 42.09). After the verdict, a German insurer may request the tariff change no flat-rate supplements. Since then, but still far too few privately insured use of the right made and money saved. Although, in practice between 1000 and 4000 euros per year, so after ten years, between 10,000 and 40,000 euros, can be saved. A life expected, to come together as often as several tens of thousands of euros in Savings. Display Now free quotes for your private health insurance get and compare!

Even if your contribution doesn't seem overpriced, it is worthwhile to examine the costs and compare with similar Tariffs of the same provider. The insurance is usually not particularly helpful, it would have to offer now comparable insurance protection for less contribution. Many private health insurance companies are their customers, not a big help when it comes to keep the own health insurance permanently affordable. Also, the Association of Private health insurance has no vital interest. René wants to return: 37 billion Euro will be given away - so you are going to FOCUS Online René return want: to 37 billion Euro will be given away - so you are going to

Date Of Update: 30 January 2020, 11:57