Was ist eine private Krankenversicherung?
In Deutschland existieren zwei Versicherungsgruppen, die das Risiko "Krankheit" absichern: die gesetzlichen Krankenversicherungen und die privaten Krankenversicherungen. Es wird hier von gesetzlichen Krankenversicherungen gesprochen, weil hier der Staat starken Einfluss ausübt und jeder Arbeitnehmer hier zunächst zwangsversichert wird. Das Leistungspaket und die Beiträge werden stark vom Staat mitbestimmt und die gesetzlichen Krankenkassen haben nur geringen eigenen Gestaltungsspielraum. Die privaten
Wann ist der Wechsel in eine private Krankenversicherung möglich?
Jeder der ein über ein bestimmtes Einkommen verdient (zurzeit 47.250 €), hat die Möglichkeit eine private Krankenversicherung abzuschließen. Mit Wirkung zum 01.01.07 ist ein Wechsel erst dann möglich, wenn volle drei Jahre über diesem Betrag verdient wurde.
Wann macht eine private Krankenversicherung Sinn?
Das hängt von Ihnen ab! Es gibt viele Rechnungen und Vergleiche, doch meistens sind diese nicht umfassend und passen selten zur eigenen Situation. Zudem sind Vergleiche auch extrem schwierig, da die privaten Krankenversicherungen keinen standardisierten Leistungskatalog (wie die gesetzlichen Krankenkassen) haben. Bei den meisten Vergleichen kommt heraus, dass sich eine private Krankenversicherung nur für Singles, junge Männer ohne Kinder oder Beamte lohnt. Hier wird häufig der Preis verglichen und weniger die Leistung. Möchte ich meinen Kindern beispielsweise einen besseren Schutz als in der gesetzlichen Krankenversicherung bieten, dann lohnt sich dieser Beitrag eventuell. Denn wird in solchen Fällen eine Zusatzversicherung - ergänzend zur gesetzlichen Krankenversicherung - abgeschlossen, werden ähnliche Beiträge fällig. Gleichzeit werden Beitragsrückerstattungen durch die private Krankenversicherung kaum eingerechnet, was ebenfalls das Bild verfälscht.
Bei der Entscheidung für oder gegen eine private Krankenversicherung sollten also folgende Punkte berückichtigt werden:
- Eigene Wünsche und Bedürfnisse (möchten Sie eine optimale Versorgung, bevorzugte Behandlung, etc. oder reicht Ihnen eine Grundabsicherung aus).
- Höhe der Beiträge für die gesetzliche Krankenversicherung
- Höhe der Beiträge für in Frage kommende private Krankenversicherungen mit ähnlichem Leitungskatalog
- (Eigene) Erwartung an die Entwicklung der Beiträge (Frage: Welche Beiträge werden schneller steigen
- die für die gesetzliche oder die private Versicherung?)
- Vergangenheitswerte der privaten Krankenversicherung (s.h. ausführlichen Katalog weiter unten)
Im folgenden finden Sie einige Gründe, die gegen oder für eine private Krankenversicherung sprechen:
+ die private Krankenversicherung sind privat organisiert und unterliegen so einem gewissen Wettbewerbsdruck
+ der Leistungskatalog kann nachträglich nicht ohne Ihre Zustimmung geändert werden. Dies ist in der gestzlichen durchaus möglich und im Falle von Vorerkrankungen ist dann meist eine zusätzliche private Versicherung nicht möglich.
+ es werden Altersrückstellungen gebildet, die einen zu starken Anstieg der Beiträge verhindern sollen. + das Leistungspaket ist individuell zusammenstellbar.
+ es werden nur gesunde Kunden aufgenommen, was die Kostenstruktur positiv beeinflusst. - die Beiträge können jederzeit angepasst werden.
- in Einzelfällen kommt es zu Schwierigkeiten mit der Versicherung, weil diese die Kosten nicht übernehmen möchte.
- ein Wechsel zurück in die gesetzliche Krankenversicherung ist meist nicht mehr möglich.
- ein Wechsel zu einer anderen privaten Krankenversicherung ist schwierig (hier sind aber mit der Gesundheitsreform Änderungen zu erwarten).
- bei Arbeitslosigkeit ...
- bei Berufsunfähigkeit ...
- Kinder und Ehepartner müssen gegebenenfalls extra versichert werden und in diesen Fällen, fallen zusätzliche Beiträge an.
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