PKV three – year period shall not apply to employees and clear the way for a change in the private health insurance. Latency for employees on a year shortened employees and workers in the private health insurance (PKV) employees, i.e. employee insurance and the way in the private Krankenversicherung (PKV) workers, has been blocked. To be able to get into a private health insurance company in the enjoyment of the full range of services, a waiting period had to be kept in a where on three consecutive calendar years a gross income had to be demonstrated by last at least 48.600 euro. This so-called “three – year” control in the car was for employees by the last Government in 2007 been introduced to prevent the influx of high-income and healthy employees and workers in the car. That prompted the exodus of those members from the statutory health insurance (GKV) in the private health insurance and thus the risk of the principle of solidarity which healthcare continuous Anhebeung of the insurance limit of initially 39.574 Euro Euro currently 48.600.

For the year 2010, raising the year working pay limit, short JAEG, is planned 49950 euro. But after planning the new black yellow coalition should no longer occur. On the contrary, a reduction of the year working pay limit to about 45,000 euros is to allow a change in the coveted private health insurance also employees and workers of the middle class. After the major constraints in which the PKV suffered from health insurance customer loss and cost increases, this is as a courtesy. Most recently the Association of private health insurance companies (PKV-Verband) about the imported and not compensatory PKV base fare and the regulation of retirement provisions complained. When a health insurance exchange so insured could take their savings retirement provisions in the new car, to stabilize the posts at the age. This change is for a large transfer of employees and workers in the private Take health insurance with them.

Change in the private health insurance and comparison of the PKV rates for employees and workers staff and workers who are already insured in private health insurance can make a change in their health insurance only in compliance with the notice period. Increasing contribution by the PKV is an exception. With the time input of a post boost has a so-called extraordinary right of termination each insured persons and can change the car without compliance with the notice period. A notice must be adhered by the law in the private health insurance even when changing. Also, the above mentioned circumstances come to the bear. A change of health insurance should be considered but always good. Especially in the age is often detrimental to change and not worth it. Under certain circumstances, a car can sense changes in young and healthy policyholders do. Here is a comprehensive comparison of tariffs for private health insurance for employees to recommend, individually appropriate and to determine policies that are both affordable and powerful. Here, nothing should be left to chance. A personal consultation and needs analysis by an independent insurance broker is hard to replace and can be used often free of charge and without obligation.