– How self-employed persons and pensioners are also transferred from pension schemes to compulsory insurance – Typically, (compulsory) members of the 89 professional pension schemes are either privately insured in old age (PKV) or voluntarily insured by the statutory health insurance system (GKV) at too high a price. However, this also frequently affects former self-employed […]
Artikel zum Thema: Family insurance
Liability for missing documentation, even in case of correct advice: Part 1
A recent ruling of the Higher Regional Court of Cologne of 26.02.2016 (Case No. 20 U 102/15) underlines the “obligation of the broker to inform the policyholder that the intended change to private health insurance (PKV) may affect the insurance cover of his or her spouse and the financial burdens associated with it”. The spouse […]
Insurance brokers are liable for missing documentation even if they have given correct advice
– As the broker also has duties of protection against third parties – A recent ruling of the Higher Regional Court of Cologne of 26.02.2016 (Case No. 20 U 102/15) underlines the “obligation of the broker to inform the policyholder that the intended change to private health insurance (PKV) may affect the insurance cover […]
Insurance obligation in the KV? Part 2
On 15 July 2015, the Federal Financial Supervisory Authority (BaFin) issued a statement on foreign private health insurance (PKV), including considerable legal errors. Here now part 2. High risk for European health insurance intermediaries from 2016″? In addition to the legal errors already mentioned (we already reported in Part 1), there is a risk for […]
The late switch back to statutory health insurance and other alternatives
– Why the complete departure from private health insurance is questionable – (Continued and last part from issue 5517/20 November 2015) Option: partial maintenance of PKV If one considers only the premiums of private health insurance and statutory health insurance, savings of up to more than a quarter of a million euros are possible, […]
The late switch back to statutory health insurance and other alternatives
– Why the complete departure from private health insurance is questionable – A 55-year-old man reports to an actuarial expert after his private health insurance (PKV) has more than doubled its premiums within nine years, even though he has been insured for almost thirty years. The actuary replies, yes, I just calculated that for […]
The late switch back to statutory health insurance and other alternatives
A 55-year-old man reports to an actuarial expert after his private health insurance (PKV) has more than doubled its premiums within nine years, even though he has been insured for almost thirty years. The actuary replies, yes, I just calculated that for a client – around 8% annual increases are quite realistic, especially if you […]
The fairy tale of the better private health insurance (PKV)
– Advantages of the statutory health insurance (GKV), which insurance brokers conceal – A PKV insured gets his tumor on the neck, an optic nerve and half of his tongue removed. The subsequent proton therapy – costs up to more than 43 TEUR – may not be paid by the PKV. The employer’s […]
Who is entitled to a contribution subsidy from the employer?
Additional burdens for the employer with PKV-insured employees Do employees with private health insurance have a right under employment law to a contribution subsidy for private health insurance from their employer? And if so, under what conditions? And there’s also the question of how the employer contribution is taxable. By decision of the Federal Social […]
Facilitated return to the statutory health insurance system
The new “Law for the elimination of social excessive demands in case of contribution debts in the health insurance” regulates a new obligatory follow-up insurance as an automatic voluntary continued insurance even after only one day of previous insurance, Sounds complicated, but it is actually quite simple. Anyone who legally leaves the previous compulsory […]
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