Welcome back to the dein onlinemakler blog! Today, we’d like to present you with a comprehensive guide on switching from public health insurance (GKV) to private health insurance (PKV). Such a change can bring many benefits, but there are also several things to consider. Read on to find out how you can successfully master this step.
Why Switch?
Many people decide to switch to PKV because they want to benefit from individually customizable plans and often better services. PKV typically offers shorter waiting times for specialists, a wider range of treatment options, and more comfort in hospitals. Additionally, contributions can often be cheaper in younger and healthier years compared to GKV.
Requirements for Switching
To be able to switch from GKV to PKV, certain requirements must be met. Employees must exceed a certain annual income, known as the annual employment income threshold. Self-employed individuals, freelancers, and civil servants do not have this income limit and can switch to PKV regardless of their income.
The Switching Process: Step by Step
- Gather information: Before you decide to switch, it’s important to thoroughly inform yourself. Compare different PKV plans and consider which services are important to you.
- Seek advice: Professional consultation can help you keep an overview and find the best plan for you. We at dein onlinemakler are here to assist you with our expertise and support you in making your choice.
- Cancel GKV membership: Once you’ve decided on a PKV plan, you must cancel your membership in the GKV. Pay attention to the notice periods and ensure that you can switch seamlessly to PKV without a gap in insurance coverage.
- Apply for PKV: Submit your application to the private health insurance company. For this, you’ll need various documents, including your ID card, proof of income, and possibly medical records.
- Health assessment: The PKV will usually conduct a health assessment. This is to evaluate your health status and set the premium accordingly. Be honest and complete in your statements to avoid future problems.
- Sign the contract: After successful review and acceptance of the application, you will receive your insurance contract. Read it carefully and make sure all agreed services are included.
Important Aspects to Consider
When switching from GKV to PKV, there are several important points you should consider:
- Long-term planning: Keep in mind that switching to PKV is usually a long-term decision. Consider how your life situation might change in the coming years and whether PKV would still be the best choice for you then.
- Premium development: Inform yourself about the possible premium development in PKV. Premiums can increase with age, so it’s important to consider this in your planning.
- Returning to GKV: Returning to GKV is possible under certain conditions, but often comes with restrictions. Inform yourself about the requirements and possibilities if you wish to switch back to GKV at a later date.
Conclusion
Switching from public to private health insurance can bring many benefits, but requires careful planning and preparation. With our guide and the support of dein onlinemakler, you can master this step safely and successfully. Stay tuned for more valuable tips and information about insurance here on our blog!
