Health insurance is the most important insurance for a person. It pays for all medical expenses incurred after an accident or serious illness, for example. These costs can quickly reach 10,000 euros and even higher. This is why good health insurance is so important.
In addition, health insurance in Germany is compulsory, which means that everyone has to take out health insurance, and conversely, a health insurance company must also take in everyone, regardless of how sick they are.
In Germany, all statutory health insurances / health insurances must provide a specified minimum benefit. This is the same for all health insurance companies. However, the individual health insurance companies differ in their additional services. In other words, services that are not mandatory but which the health insurance company also offers. These are then often financed by the so-called additional contribution.
How the statutory health insurance or your health insurance works exactly, which services are provided and which assumptions are used here, you can find out in the following video:
How are the contributions to statutory health insurance made up?
In principle, the employee and the employer share exactly 50% of the social security contributions.
The social security contributions include:
-The long-term care insurance (2.55%)
-The pension insurance (18.7%)
-The unemployment insurance (3%)
and statutory health insurance with 14.6% (as of 2016). This is subject to the “50% rule” described above. In other words, half (7.3%) is taken over by the employee and the other half by the employer.
However, it is often the case that the employee pays an additional contribution. This can vary between 0.8% and 1.3%. This depends on your health insurance company. You will now find that all percentages depend on your income. The income threshold plays a major role here.
What is the income threshold?
The income threshold is a calculation limit that has been introduced by the legislator. This amounts to € 52,200 or € 4,350 per month (as of 2017). If your income is above this limit, your insurance contributions will still only relate to the maximum assessment limit.
However, if your income is below the income threshold, your contributions are always based on your current gross income. The contribution assessment ceiling is usually adjusted upwards every year, this is then due to a rising wage level.
When can you switch to private health insurance?
The first thing you should do is take a look at your pay slip, because there is a so-called mandatory insurance limit, or the annual income limit. In 2017 this is € 57,600 / € 4,800 per month. You can only take out private insurance if your income is above this limit. This is not possible below this.
Are there differences between the statutory health insurance companies?
Basically not, because the benefits of the health insurance companies vary almost minimally or do not even exist at all. For you, this means that you cannot go wrong with the choice of your health insurance, because there are so-called standard benefits that every statutory health insurance company must provide and pay. According to the law, it is precisely defined how these services should look:
“The services must a sufficient, functional and economical be, they are allowed to Do not exceed what is necessary. ”-Excerpt from the code of law §12 SGB
fact is, you are not getting the best performance there is on the market. But a sufficient performance, which must be functional, economical and which must not exceed what is necessary.
I personally find this regulation borderline. After all, this is about a very important insurance policy. Now you will assume that you will always be guaranteed the best possible medical care. – But this is by definition Not the case.
Additional benefits are crucial for a health insurance company
Therefore, you should take a close look at these additional services in order to get the additional services that you yourself value with a statutory health insurance. Especially for young people the BIG direct healthy exceptionally high and numerous additional benefits and with a total contribution of currently (2017) of 15.6% (1% additional contribution) is still below the market average. Some additional services with this health insurance are for example
- Grants for sports programs (Gymondo, Mach-Dich-Krass, Sophia Thiel)
- Bonuses for memberships in the gym or sports club
- Grants or full coverage of professional teeth cleaning
- free travel and protective vaccinations
These are just a few of the additional services that BIG Direkt healthy offers. You can find detailed information about this health insurance company, as well as why I recommend this health insurance company for young and active people, in the following video from me, as well as directly from the BIG directly healthy by simply doing this free info set request.
If this health insurance company suits you, then you can all information about this health insurance company have it sent free of charge.
What your statutory health insurance does not pay for, of course, are private medical services. You can use this, but you have to pay for it out of your own pocket.
TIP: The conclusion of private supplementary insurance for certain service areas whose costs you would otherwise have to bear yourself:
- chief doctor
- Twin bedroom
- Dental supplementary insurance
- Glasses etc.
These additional safeguards can make sense.