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Change health insurance provider in 2021: With many insurance companies, the premiums will be more expensive

2021-01-21T07:19:45.315Z


A lot of money can be saved when comparing health insurance. The change will be easier from 2021. You have to pay attention to this.


A lot of money can be saved when comparing health insurance.

The change will be easier from 2021.

You have to pay attention to this.

  • The exchange

    health insurance

    is

    2021

    even easier.

  • Stiftung Warentest *: This must be

    taken into

    account when

    choosing

    insurance.

  • The lowest

    contribution

    in the list is currently 14.99 percent.

Kassel - In

2021

, many

health insurance companies

will

again increase

their additional contributions.

But there is also good news for everyone insured: From this year it will also be easier to switch.

We have summarized for you what needs to be taken into account when making a comparison.

Because when switching, it's not just about the price.

Many health insurance companies will be more expensive in 2021: It is worth making a comparison

Increase compared to last year at least 31

health insurance companies

in

2021

their additional contribution.

The increases are between 0.1 and 0.8 percent, as reported by Stiftung Warentest.

These health insurance companies are becoming more expensive.

At the beginning of the year, 31 of the open health insurance funds increased their contributions by 0.1 to 0.8 percentage points.

44 health insurers keep stable contributions, only 1 regional has reduced the contribution.

The change is now even easier than before: https://t.co/TmZsnDtwIU

- Stiftung Warentest (@warentest) January 5, 2021

But it is not just the contribution that matters when it comes to

health insurance

.

The additional services also play a major role in the choice of insurance.

Health insurance comparison: additional benefits make the difference

Most

health insurance benefits

are the same as they are required by law.

But with most

insurance

there are various additional services that are also covered.

These should definitely be compared before any change.

Because the services should of course match your needs and requirements.

Additional services can be, for example:

  • Assumption of costs for travel vaccinations

  • Reimbursement of costs for skin cancer screening

  • Reimbursement of costs for professional teeth cleaning

  • Reimbursement of costs for osteopathy

  • Special services for parents and children: For example, a 24-hour emergency hotline

  • Special services for the elderly and chronically ill: advice at home

Comparison of health insurance 2021: The lowest contribution is just under 15 percent

The contributions for

health insurance

are based on the respective income of the insured person.

Those who earn less than 1,300 euros per month (gross) have to pay less insurance premiums.

Those who stay under 450 euros do not have to pay any health insurance contributions.

Of the 70 health insurances that Stiftung Warentest

compared

for the year

2021

, the contribution at hkk is the lowest so far.

The hkk accounts for 14.99 percent of the health insurance contribution, of which 0.39 percent is an additional contribution.

However, many health insurances are still missing figures for the year 2021. In the previous year,

2020

, only one

health insurance was

cheaper.

The AOK Sachsen-Anhalt had a contribution of 14.60 percent at that time.

For this year (

2021

) there is not yet any information available for the contribution.

After the comparison, before the change: Change health insurance in 2021 is even easier

The various health insurances can be compared with each other on the Stiftung Warentest website.

Before a potential change, however

, you should ask the

respective

health insurance company

again whether the benefits are also applicable in the specific case.

Changing health insurance has

been simplified

in 2021

.

If you want to change your health insurance, you can do so after 12 months of membership at the earliest.

Should the health insurance company increase its additional contribution, there is a special right of termination and it can be changed before the 12 month period.

+

Many health insurances increased the additional amount in January 2021 - but there is also good news for those insured: From this year it will be even easier to change health insurers.

(Symbol image)

© Jens Kalaene / dpa

Change without notice possible: this has been discontinued since 2021

From

2021 onwards, it is

sufficient to switch to the new

health insurance company

.

The termination with the previous insurance does not apply.

The

change

is usually made at the end of the month after next.

In the case of the special right of termination in the event of an increase in the additional premium, termination can be made up to the end of the month when it is due for the first time.

New health insurance 2021: A different period applies when changing employers

If you change

employers

, you have the option of

choosing

a new

health insurance policy

up to 14 days after the change

.

After that, the period of 12 months applies again.

After a successful change of

health insurance

, the new health insurance company will contact the insured person.

Then only the current employer has to be informed informally about the

change

.

It is important that the employer is

informed of

the name of the new

insurance

.

(Lucas Maier)

* hna.de is part of the nationwide Ippen-Digital editors network.

List of rubric lists: © Jens Kalaene / dpa

Source: merkur

All life articles on 2021-01-21

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