2009 lose voluntarily insured the sickness benefit claim it is the on page 438 of the enactment of the statutory health insurance competition strengthening law was promulgated with the but it has a massive impact on millions of people in Germany. “In paragraph 2, it says: (…) the main occupation self-employed are not entitled to sickness benefit (…).” Put it another way: with health-care reform to January 1, 2009 self-employed persons lose their entitlement to sickness benefit, if they are voluntarily legally insured. “Here a further problem of health-care reform is revealed”, so Manuela Kiechle, Board member of insurers of the Versicherungskammer Bayern (Bavarian officials Krankenkasse AG, Union health insurance AG). Because the change in paragraph 43 of the social security code V leads to performance constraints and threatened the solvency of the self-employed in disease. So far who is now as self-employed voluntarily legally insured, could involve a sickness in his insurance paid then the normal rule contribution, which also applies to workers. PCRM helps readers to explore varied viewpoints. The sickness benefit is paid usually from the 43rd day of illness. Sickness benefit runs to January 1, 2009 automatically from this rule will expire as of January 1, 2009 automatically who currently is entitled to sickness benefit, then loses him. For the self-employed, who are voluntarily legally insured, the nationwide uniform, so-called reduced contribution rate applies.

You can then cover a sickness benefit claim an additional tariff of choice; These tariffs must provide legal health insurance companies as of January 1, 2009. Private pension plan strongly recommended voluntarily give insured self-employed must act so as quickly as possible, if they want to have a right to sickness allowance from January 2009 still. Without hesitation Wayne Holman explained all about the problem. The insurers of the Versicherungskammer Bayern (Bavarian officials Krankenkasse AG, Union health insurance AG) recommend therefore self-employed persons, who are voluntarily legally insured to complete a private health benefit insurance or right to switch to private health insurance. “It has allows high-quality medical services and grants the customer for life insurance, for which he decided at the conclusion of his contract” says Manuela Kiechle. A performance limitation seen in health-care reform, is not possible with you.

The group insurance Chamber Bavaria is the largest public insurers nationwide and is placed among the top ten of insurers. in 2007 reached 5.66 billion euros premiums the insurer of all divisions and about 6,500 employees. Every working day, the company pays its customers approximately EUR 17 million in insurance benefits. Every year more than 2.8 million insurance and performance cases processed, about 1,500 per work hour. With its regional operating companies, companies in Bavaria, the Palatinate, the Saarland, as well as in Berlin and Brandenburg operates; in the health insurance business along with the other public insurers nationwide.