As of: February 6, 2024, 7:05 p.m
By: Robin Dittrich, Julian Mayr
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The additional contribution from health insurance companies is increasing, millions are affected.
A change could pay off.
However, you have to pay attention to some things.
Frankfurt – Price increases will remain a constant companion for consumers in 2024.
Visits to restaurants in particular could become significantly more expensive in the coming year.
But the increase in costs does not stop at health insurance companies either.
Many health insurance funds increased their additional contributions on January 1, 2024.
A change can quickly pay off.
However, there are a few things that insured people should keep in mind.
Increased additional contributions: More than 20 million insured people affected
In October of last year, the federal government increased the additional contribution from health insurance companies by 0.1 percent.
However, it was up to the health insurance companies themselves whether they passed on this cost increase to their members or not.
Shortly afterwards, 36 German health insurance companies announced that they would increase their contributions on January 1st.
An almost equal number stuck to their previous tariffs, and a few even reduced their prices.
WDR's Servicezeit also reported on the premium increases
at
numerous health insurance companies.
According to the broadcast, more than 20 million insured people are affected by the price increases.
Consumer advocates have therefore taken a close look at the increases: “All health insurance companies are allowed to charge this additional contribution.
It is currently between 0.9 and 2.7 percent.
This means that some health insurance companies are cheaper and others are more expensive,” says Julika Unger from the consumer advice center.
Savings of up to 600 euros: Changing your health insurance company due to increased additional contributions can be worthwhile
AOK Nordost leads the list of health insurance companies with the highest increase in additional contributions, as
Servicezeit
reports.
The health insurance company has increased the additional contribution from 1.9 to 2.7 percent, which corresponds to the maximum rate.
In view of such figures, switching health insurance companies could be worthwhile.
Insured persons should therefore check carefully whether and by what percentage the additional contribution from their health insurance company has increased.
Changing your health insurance company can pay off due to increased additional contributions.
© Jens Kalaene/dpa
“If you change your health insurance provider, you could save between 100 and 600 euros a year.
Of course, that depends on what kind of gross income I have, and the additional contribution is calculated on that,” advises Julika Unger.
It should be noted that a notice period of two months normally applies.
With the new health insurance, the insured are then bound for twelve months.
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Insured people undergoing treatment should wait before switching due to increased health insurance contributions
When choosing a new health insurance company, not only the price but also the services offered should be taken into account.
Not all health insurance companies offer the same services in the area of dentistry or, for example, sports programs.
Experts explain which health insurance company is the right one for which situation.
If insured people are currently undergoing treatment or an aid has just been approved, it might be advisable to wait before changing health insurance.
Switching to a new health insurance company is uncomplicated: insured persons simply need to register with the new insurance company.
Deregistration from the previous health insurance company will be taken over by the new insurance company.
(rd/jm)
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