Private medical treatment in the future: Is there a road?

The cost of private health insurance can consume the opportunity cost. A mountain walk is out of the question. Was the Ursache dafür?

Berlin – 1,050 Euro in Monat for the private health insurance, daily 1,200 Euro Interest – so the financial situation of the Rentners Dieter Wassmann (Name geändert) after death Time free message hatte. Rund 150 Euro blieben für Lebensmittel, Freizeitaktivitäten and other übrig. Trotz abbezahlter Eigentumswohnung and a Leben als Selbständiger were de Ersparnisse laut Bericht fast gebraucht: Eine Lösung mustste her.

Trotz Selbständigkeit in the GKV – through a trick

His private health insurance (PKV) has identified a major problem. It may be that the tenant can no longer use the rent in the Anspruch mode, but the PKV is therefore the fact that the German tax authorities are earning more and more money. A change in the gesetzliche Krankenversicherung (GKV) is not so easy. Wassmann griff laut Time with a trick: There is a hand that is used in Denmark, but it is a German version that can certainly be used and that can be used in the Rückumzug in the GKV route.

“The private management of power in young years is a shame, when small efforts were made, we were müssen,” he said. Time Sven Tintemann, Attorney for Insurance Law. We have charged a small interest and a higher tax in the PKV requirement, but there is a little thought about it. It is not so light.

Wechsel der Versicherung nur in eine Richtung möglich – hohe Hürden bei der GKV

Gold-plated fundamental requirement: Every voluntary contribution to a statutory health insurance fund can be an alternative private health insurance. The Federal Ministry of Health is different, also a change of the PKV in the GKV, after the implementation of the amended rules. It is a fact that it is good, and it will be the case again that the ‘first or most common’ is an insurance obligation in the statutory health insurance entsteht. Then it can happen that there is a great chance of a health insurance fund.

The gilded jedoch nicht für Personen, die:

• Das 55. Lebensjahr vollendet haben
• In recent years there has been no more talk of insurance
• Most of the time there is freedom of movement, freedom of movement or high self-employment.

Wassmann is fulfilled Time-Berichterstattung all three critical, was the Frage aufwirft, which functioned like this. Auf Anfrage durch IPPEN.Media says a word from the Federal Ministry for Public Health: “Ob ein züvor selbständig erwerbstätiger, in der PKV versicherter Rentner, der nach aufenthalt im EU-Ausland nach Deutschland zurückkehrt, in Deutschland versicherungspflichtiges Mitglied der gesetzlichen Krankenversicherung (GKV) wird , ist after ch The new circumstances of the individual cases will have to be taken into account and that they will not be answered in a timely manner.” The result of the BMG, as well as the exclusion of the PKV and GDK, “gesetzlich präziser” became necessary. The waterfalls will not be expanded further.

When the GKV Selbständige ausschließt – and does not want to

Selbständige können vor dem 55. Lebensjahr in de GKV-rutschen, when they became mandatory. If the Verbraucherzentrale protection of the Beispiel thenn, if one of the Arbeitsvertrags calls on an own company, it is rolled up or on a nebenberufliche Tätigkeit beschränken. The Altersborde gilded in diesen Fällen aber trotzdem. Darüber must follow the following rules:

• If you have an estimated value, it is more than 538 euros (mini-job limit) and you earn money.
• It seems that most employees earn less with their own job. Once you have come out of self-reliance, when the Krankenkassen fall out, then the Self-reliance is more heavy.
• In terms of anxiety, those affected must have worked more than 20 days a week.

For the most part, the previous private version, is worth the money: here the alternative limit of 55 years is worth gold – we can no longer get into the PKV law. The second Hürde ist das Gehalt. Versicherte lasts the number of years that the limit is not exceeded, when it in the GKV wechseln wollen. This is in the year 2024 for a gross amount of 69,300 euros.

The Grund für diese hohen Hürden ist folgender: Der Gesetzgeber will prevent, that man, wenn man young ist, long of the Leistungen der PKV more profitable, and then, when the PKV-Beiträge became similar to the GKV, in the better GKV-schlüpft .

Krankenversicherung would teurer – Sowohl gesetzlich as a private

If you have become private lenders, the huge share of your rental properties is now lower than the PKV stattfänden. The registration fees of the PKV have increased from 39.80 percent (2018) to 47.07 percent (2022) since the 2023 Financial Report. At 47.1 billion euros, the amounts were 3.7 percent higher in the course of 2022 than in the previous year.

The Krankenkassen, responsible for the GKV, are responsible for their care. If you look at the detail, the homepage says Krankenkassen.de. She said that at the AOK Nordost they were a Plus at 1.80 Prozent since 2015. At the KKH Kaufmännische Krankenkasse there were 2.38 Prozent more. A cost saving in both versions is the medical Fortschritt. The PKV-Verband covers the costs of the fortifications of both electrical systems. Wer wechseln – even, in welche Richtung – sollte sich forher gründlich beraten welding. With the interest intensity you can privately enjoy the costs you incur with Wassmann.