Post stability crucial in the selection of the private health insurance private health insurance offers individualized, in many areas more extensive benefits and could be partially priced cheaper than the statutory fund. It sounds very positive, has also several disadvantages. This includes in particular the anxiety of many citizens from excessive increases in premiums in private health insurance in the age. In the statutory health insurance, the price depends on the income. Those who earn little, pay even a minor contribution. You have a high income to pay high contributions to the legal Fund. In addition to the usual contribution increases, cuts the legislature rising spending in the health care system the performance catalog and can thus absorb additional increases.
In the private health insurance contribution depends mainly on the respective insurer, the chosen scope of services, the age and health condition for application. With rising health-care costs can the services but – not as opposed to the State Treasury system – be shortened, but the prices are below legal requirements must be adjusted upward. The change in the private health insurance is always still very attractive – for many groups of people both price and contract in relation to the guaranteed scope of services. But in particular the aspect of the contribution of stability should be considered when deciding for or against an insurer. Independent and competent consultants can provide information just to this topic of the post development and in the decision-making process with a drain.
Regardless of the selected health insurers is likely to increase contributions tend to always: demographic development with a clear increase in life expectancy, the continuous technical progress but also the growing spending on treatments and medicines will lead in the future to further price increases. It concerns the private health insurance as well as the legal Funds. To ensure his health insurance coverage in the age, the completion of a health account is possible.