Why do you pay €1000 a month for your statutory health insurance?
In 2023, health insurance contributions will rise again, and there will be no end. For employees with an income above €66,600, the switch to private health insurance is thus becoming increasingly likely. The pay-as-you-go system in our social security systems is increasingly proving to be a failure. For today's 35-year-olds, the intergenerational contract is not a good deal. Added to this are the gaps in provision in the event of illness after six weeks when the employer no longer pays the wage.
In 30 Seconds, a free offer!
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My name is Martin B. Grödl
I have been advising clients on switching to private health insurance since 1993. SupposeSuppose you are considering enjoying the benefits of personal medical care and not only the savings potential of private health insurance animates you to change. In that case, that case, you are exactly right with me. I advise employees above the income threshold (€ 66,600 p.a.) on optimal coverage in current and future situations.
Let's do it like the old Adenauer, write down the advantages and disadvantages of the two systems on paper, and then decide on the option with better prospects.
Please book an appointment with our experts in 30 seconds.
In a short conversation, we will determine whether the change to private health insurance makes sense.
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Do you have any questions?
If I switch to private health insurance, can't I come back?
On the one hand, why should one want to return to statutory health insurance since the price is much higher and the coverage will be further limited in the future? However, there are some possibilities to control the income below the insurance limit and then be compulsorily insured again. This should always be done by an expert who keeps an eye on all the essential points.
Can I save money with private health insurance?
Private health insurance is often cheaper than statutory health insurance because the change only makes sense for people with a very high income in the long term.
I recommend never switching to private health insurance to save money but always paying the highest possible contribution to involve the employer in financing future contributions. A low donation is usually only an advantage for the employer, not the employee.
If I start a family, then will it be too expensive?
If family planning should lead to a financial bottleneck, then the question should be asked whether one should switch back to statutory health insurance by receiving a parental allowance. Since paediatricians often only treat private patients in many large cities, it can make sense to remain in private health insurance. Per child, a contribution of 150-200€ per month is to be planned.
I don't want to change to private health insurance and prefer to remain insured by law.
If you can theoretically switch to private health insurance, then the question of whether you should take out personal insurance does not usually arise. With an income of over 60,000 €, there are, in any case, gaps in coverage in the event of incapacity for work (AU) and occupational disability (BU). Therefore, I would never ask whether PKV or GVK, but only private health insurance or statutory health insurance combined with private supplementary insurance.
In old age, private health insurance is no longer affordable.
In my 30 years as a consultant on private health insurance, it has very rarely come to this reality. However, it is true that from 2008 -2014, tariffs were often not calculated sustainably and sold to customers at dumping prices without being sustainable. Here my motto applies again, never to change because of the cost of cheap tariffs to save money, which one does not have anyway. PKV is reasonable and affordable for people with high incomes, but without money, the car is neither excellent nor affordable at the beginning and even less so in old age.
I have heard that the father/mother of a friend can not pay the PKV in old age.
I know these incidents and could only primarily determine that it was often not because of the high contribution but because of the non-existent retirement provision. Especially with self-employed people, there is often the problem that no provision is made for old age and then comes the rude awakening at retirement age. Here, the PKV is rarely the problem but the desolate old-age provision.