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changing from private to public health insurance

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Posted on 15/07/2005 2:09 pm

changing from private to public health insurance

Hi
I am alone at the moment so I am having private insurance. within next few months i will be getting married and then would prefer to change to publich health insurance. Are there any pre-requisits..or in other words how should i proceed to go back to publich insurance with my wife?

Memory

Member since 04/03/2005

 

Posted on 15/07/2005 2:22 pm

Re: changing from private to public health insurance

There are only two ways to do that

1. Be arbeitlos... convert to public...continue with public in new job ( dont think u want to be in that position)

2. Decrease you salary so that u are not eligible to continue in private( also not a good option)

3. If u were never in public insurance from the start in germany then you may shift to public ( only heard about it but not sure)

Other than these three i cant think of a way for changing to public

raj

Member since 27/01/2004

 

Posted on 18/07/2005 2:39 am

Re: changing from private to public health insurance

"2. Decrease you salary so that u are not eligible to continue in private( also not a good option)"

you are always eligible to continue in private unless you want to become social aid


Secret way

DO NOT PAY ANYTHING TO YOUR PRIVATE INSURANCE

DO NOT REACT ON THEIR LETTERS

max. 6 months - your contract will be cancelled by them and you get a perfect possibility to switch to a public insurance

Costs:
-------
1. around 10-14 EUR Mahnkosten if you are a good guy and will agree to pay those;
2. nothing if you are a bad guy that knows the laws. They have no chance to get those 10-14 EUR through a court of law then;
3. if you are completely bad guy and do not want to pay your contributions that were due even after your contract was cancelled, costs will be dependent on the time that will be required to convince you that you are not right.


By my nature i would choose a 1st variant, although it would cost me 10-14 EUR ... and after my contract gets cancelled, would pay the contributions that accordingly to the contract i had to pay before ...

-

Member since 20/02/2005

 

Posted on 18/07/2005 2:55 am

Re: changing from private to public health insurance

"DO NOT REACT ON THEIR LETTERS"

Additions:
----------
this will work 100% without additional costs NOW.

in 1-2 years, if lots of people will use this secret way, the situation can change *lol*

-

Member since 20/02/2005

 

Posted on 19/07/2005 10:24 am

Re: changing from private to public health insurance

hello,
continuing this topic ... just tell me ..if husband and wife are working ..husband has private insurance and wife -public insurance ... and if they have a child ..who is paying for the kid ?? and which is that private/public.

i always wanted to know this.

stier

Member since 13/10/2004

 

Posted on 19/07/2005 10:41 am

Re: changing from private to public health insurance

For private health insurance, husband has to include in the child into his insurance and pay for the child insurance.
For public health insurance, mother has to inform her public insurance to include the child and pay nothing extra.

Depends which insurance you choose for the child.


M.K

imranahmadkhan

Member since 17/02/2005

 

Posted on 20/07/2005 1:15 pm

Re: changing from private to public health insurance

>>continuing this topic ... just tell me ..if husband and wife are working ..husband has private insurance and wife -public insurance ... and if they have a child ..who is paying for the kid ?? and which is that private/public.<<

funny question! I think the mother and father should discuss and decide so that at the end only one of them pays. Public insurance is always better for the kid for several good reasons .. any doubt?

babloo

Member since 15/02/2005

 

Posted on 20/07/2005 3:29 pm

Re: changing from private to public health insurance

One short question regarding this topic which I couldnt find in any of the last discussions.
If the husband is working and having privat insurance, and wife is not working, is it possible to choose public insurance for the wife? If she has already choosen privat insurance, is it possible to switch to public insurance? Thanks for any responses.

JustIndian

Member since 26/04/2005

 

Posted on 20/07/2005 3:44 pm

Re: changing from private to public health insurance

<quote>
husband has private insurance and wife -public insurance ... and if they have a child ..who is paying for the kid ?? and which is that private/public.
</quote>

Well, when I changed to private insurance several years ago, I was told I must insure the kid with me - the so called "Family insurance" (dependants being insured at no extra cost) is only applicable if none of the parents is insured privately.
I didn't care much about that then, because I paid slightly less for the private insurance for both of us as I did before for the public insurance. And then the second child was born... So now my wife is still with the public insurance, and I and the kids are privately insured. The whole family spends more on health insurance this way than if we were all with the public insurance. But such is life, I guess... no free lunch.

flado

Member since 22/04/2004

 

Posted on 20/07/2005 4:00 pm

Re: changing from private to public health insurance



Is there actually any valid reason to change from Govt to Private insurance other than that you might get a single room in hospitals? And of course you pay for that in advance. As you said, there is no free lunch !!

Regarding treatment by Chefarzt, I have heard that it is possible that you ask to be operated by the Head-doctor, even if you have govt. insurance!



fred

Member since 15/04/2004

 

Posted on 20/07/2005 4:45 pm

Re: changing from private to public health insurance

Well, getting a single room in a hospital, or Chefarzt treatment is not an inherent property of the private insurance... These and many other 'goodies' are extras you decide upon. And of course they influence the price you pay. I, for example, didn't buy single room or Chefarzt treatment, but I bought some others, like 80% reimbursement on orthodontics for example.
So these are not the things that greatly distingush private insurance from public, in spite of what TV ads say.

The big differentiators are (in my humble opinion):
1. If you are single, it is much cheaper, even if you buy some sensible extras.
2. You get more dental services completely or proportionally reimbursed: in public insurance, you usually have caps on things like Zahnersatz (Kronnen, Brücken, etc.), while in private you get a percentage reimbursed (100% for some things, 80% of others, again depending on the contract).
3. Depending on the insurer, your health insurance might be valid world-wide (including USA). Mine is.
4. Presumably, the doctors treat you better (and you waste less time in the waiting room), because they get more monney if you are privately insured. I cannot confirm this, however - I have the impression that my wife and I are treated equally (good).
5. You don't have to pay the €10 per quarter.
6. Depending on the contract, you may even get some money back, if you don't go to the doctor's too often.

In summary, with private insurance everything is negotiable, whereas with the public insurance the benefits you get are fixed in the law.

Cheers,
Flado

flado

Member since 22/04/2004

 

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