Fall In The Private Health Insurance Contracts

Consumers should read the terms of PHI just before completion

A private health insurance does always what is stipulated in the insurance contract. Insurance premiums in the contract does not commit or limited in the amount of the refund, in case of sickness insurance must pay the difference in cost themselves. Limited is a limit to top it!

For this reason, officers and officials pay close contender before a health insurance on the contract terms. Only a health expert can help out contract traps.

A few examples and excerpts are given from insurance operations, in case of illness of the insured can be very expensive when signing a false insurance tariff.

Excerpt from insurance conditions of some insurance companies:

• Recoverable amount is the
• Insured percent tariff level and go
• Supporting apparatus including
• Cradles, night splints,
• Body prostheses, wheelchairs
• (620,-EUR invoice amount is
• 100%), orthopedic shoe inserts,
• Additional costs for orthopedic shoes,
• orthopedic body braces,
• Trusses, compression stockings,
• artificial eyes, hearing aids,
• electronic larynx

→ caution when providing benefits only a maximum of 620 euros will be paid for as a wheelchair!

Ill for instance of multiple sclerosis and need an electrically powered wheelchairs, costing in excess of € 10,000 are quickly reached. This provider does but only to a maximum of 620 euros. That means you have to pay the rest yourself.

Sample speech therapy and occupational therapy
Not insured: No speech therapy by speech therapists, occupational therapy not by occupational therapists

Need an example speech therapy after a stroke that is not insured, because you will not be listed in the contract conditions. Again, you remain on the cost of treatment even sit.

Example insurance conditions psychotherapy
Reimbursement inpatient psychotherapy for 30 days

Often hospitalization for 40 days in special cases to take up to six months. If you due to a mental illness, more than 30 days of hospitalization, you must bear the cost themselves.

How the consumer can see from the examples above, a detailed consultation is important so that it in case of illness also have the protection of Him secures comprehensive.

Categories: HEALTH INSURANCE, TIPS

Switch To Private Health Insurance

What will change for the insured as a private insured?

Those who plan to switch to a private health insurance (PHI), has to be aware of some things before that will change with respect to its health insurance. This Decision should therefore not be made hastily and thoughtlessly.

Preferential treatment in surgeries

For some, the main reason for the change in the PHI. It is no secret that physicians in private patients deserve better, and so is not this preferential treatment as a surprise.

Subsequent reimbursement

After the change of the statutory health insurance to private health insurance you have to adjust accordingly the cost of outpatient treatment must initially pay themselves. This will of course be refunded later, after you have submitted the bills to the insurance company.

No family insurance

Who changes to private health insurance as a parent must also thought to make the child, because children are not exempt mitsichert. The child must not only be privately insured, if the partner is still legally insured in and you yourself as a "breadwinner" earned less than the annual income limit. This currently amounts to 50,850 euros per year (as of 2012).

Lower contributions

Who changes as a young, healthy person in private health insurance pays, reduced contributions. The reason is that the data on the age, occupation and medical history will be taken. The danger at the age now to pay huge sums to be largely unfounded, because the insurer to aging reserves forms.

Broader benefits

As a member of PHI enjoy more comprehensive services, such as psychotherapy or dental procedures. Of course, such things are changing at PHI previously agreed in the insurance contract.

Reimbursement

Anyone within a year his insurance does not cost money, that is not submitting invoices and prescriptions, receives a portion of its contributions refunded. Chance also offer health insurance to this already, so that a change to private health insurance is not because of mandatory.

Deductible

For compulsory health insurance is nothing new, you pay a deductible when a part of his treatment costs covered itself in contrast with SHI for the posts lower.

Change within the private health insurance

For choosing the right provider you should take your time, because who would later move to another private health insurance, it may not be as easy as between insurers. Here you need to consider in the contract notice periods and held minimum contractual period.

Return to the GKV

Who once in the private health insurance can not easily return. The change from PKV to GKV is subject to many conditions and aims specifically to prevent exploiting the advantages of both systems and avoiding the disadvantages.

Categories: HEALTH INSURANCE

Ideal Preparation For The Assessment By The MDK

In old age or sickness you are usually no longer able to care for themselves completely independently. A lot of care would then remain in their home and learn a skilled nursing. A home care service combines both. Before this, however, can be approved for care must be determined. The medical service of the health checks for this on behalf of the public health care, whether the application is justified to demand for care. To the visit by the MDK (Medical Service of the Health Insurance Funds)  you can prepare yourself. The nursing service dolphin from Mannheim explained.

Care diary as a preparatory action
If a request for maintenance services at the public health care provided, commissioned this. The medical service of the Health Insurance (MDK) to check whether a dependency exists in the sense of long-term care law For evaluating the MDK expert comes home. To be well prepared for the visit, it is advisable to perform before a nursing journal in which all maintenance activities are recorded with a precise timetable. This gives the reviewer a more comprehensive overview of the areas where help is needed, as often is the case and how much time the nurse needed for this. In addition, all medical records should be available and findings of the patient. It is advantageous even if a caregiver who best know the necessary care about it, be present at the examination.

Categories: HEALTH INSURANCE, TIPS