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.

The amount of the reimbursement of the contribution gives information to the financial condition of insurers and Exchange helps change when choosing the right health insurance when changing private health insurance before of a private health insurance also the amount of the rebates of various health insurance plans may be manual. These be different levels namely depending on the provider and provide information about the financial state of the insurance undertaking. Insurers with a particularly high refunds at Nichinanspruchnahme of insurance services and stable contributions are preferable. The deadline for a PKV Exchange is November 30. At the end of the year, usually after the third quarter, the private insurance companies inform their policyholders about the amount of their annual rebates rebates of private health insurance. These are paid, if the insured person takes no services of its insurance claim within one year. The amount of the relevant premium refunds can be freely negotiated between insurers and insured persons. The refund maximum three month posts, so that some hundred euros may apply depending on the selected fare.

Almost all private health insurance companies use these models of the rebates to attract new customers and maintain existing customers. In some cases, the refund is also staggered, so that policyholders even get back money if you have visited their doctor only once or twice. The amount of the refund is calculated then annually from insurance and goes to the insured in these days. Thus, a healthy way of life will be rewarded twice: one by one through a life without disease, on the other hand by the refund of contributions. PKV computer before a planned Exchange of private health insurance to policyholders a free and independent online use private health insurance calculator and calculate potential contributions for all tariffs of all societies. Thus one receives a good overview of prices and tariff options. In addition, a comparison that is also free and non-binding can be requested. Is interested will receive the best and most powerful car tariffs to choose from.

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.