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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 21/07/2005 11:23 am

Re: changing from private to public health insurance

@flado:

Quite valid points.

1. The constraint is the min salary-limit, whereas public is open-to-all

2. Thats really good.

3. A world-wide travel insurance is not costly, with allianz offering for 8 euro/year.

4. No comments

5.

6. Incentives are good. But on the other hand, doesnt it discourage you to go to the doc?

fred

Member since 15/04/2004

 

Posted on 21/07/2005 7:37 pm

Re: changing from private to public health insurance

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

Dear-,
Do you think people are idiots here.

Your suggestion is wrong(i wish it was true).

As sson as you cancel your priv. insurance and go to govt. one, they will ask you to abour the previous insurances in last months and then if you inform them (you cant hide it, can you?)about the priv. insurance then they will tell you the follwing*one time in priv. insurance it is not possible to come back (unless you arte not eligible according to your income.)

so please do not force this poor man to cancel his priv. insurance in this funny manner.

PS: You can alway cancel your priv. insurance by giveng a notice at the end of the year(or as per your contract.)

Please tell us some other way .

havehope

Member since 23/07/2004

 

Posted on 27/07/2005 10:51 am

Re: changing from private to public health insurance

@fred:

<quote>
1. The constraint is the min salary-limit, whereas public is open-to-all

3. A world-wide travel insurance is not costly, with allianz offering for 8 euro/year.

6. Incentives are good. But on the other hand, doesnt it discourage you to go to the doc?
</quote>

1. True. And a really funny thing - you must earn more in order to be eligible to pay less...

3. Well, travel insurance is not the same as international health insurance. I'm not sayng either is better than the other - they are just different. Travel insurance, for example, covers cancellation fees for plane tickets, while health insurance covers no such things. On the other hand, in order for your travel insurance to cover your medical costs abroad, you have to have an accident or an acute illness, and only until you are physically fit to return to your country of residence - with health insurance, you can DECIDE to go abroad with the specific purpose of getting medical treatment.
Most travel insurance policies are valid for one year, BUT only cover a limited time spent abroad within that year - some cover 30 days, some 60, some are restricted to one trip only. I don't know Allianz's exact conditions, although I bought their travel insurance for my wife last year.

6. Hm. I doubt that anyone sensible would put their health at a serious risk just to get a few Euros back from their insurer. And if you consider the €10/doctor/quarter fee - wouldn't that discourage you to go to the doctor's more? The point is, you have the option to profit a bit from your good health, so it is more of an incentive to stay in good health. Anyway, I didn't buy that option, so I don't have any real experience with it.
And even if you don't buy that option and you did use your insurance, you still get some (little) money back as a result of profit sharing. Try that with a public insurer

I guess the main difference is, the privately owned health insurers are on the free (albeit heavily regulated) market, so their aim is to maximise profit and minimise cost, which cannot be said for the public insurers. You figure out the resulting differences in quality

Nice talking to you, Fred. Have a nice day.

flado

Member since 22/04/2004

 

Posted on 27/07/2005 3:14 pm

Re: changing from private to public health insurance

@flado:

I am sorry, I didnt mean to say "travel-insurance", but "Overseas medical insurance" or Reisekrankenversicherung which is valid worldwide for stays upto 6 weeks at a stretch. It costs 8 Euro p.a for a single person, and 14 euro for a family.

fred

Member since 15/04/2004

 

Posted on 27/07/2005 5:05 pm

Re: changing from private to public health insurance

@flado:

What you get back I wouldn't call such a small amount, first year I got back 500, second year - 800, and this year I should get more than 1000 euro back from insurance - so it's better for me to pay my bills myself because what I get back is more than enough to cover my bills. Of course in case I'd need to go to hospital I'd use insurance and wouldn't pay myself.

Bies

Member since 31/08/2004

 

Posted on 22/08/2007 1:23 pm

Re: changing from private to public health insurance

Old topic but maybe somebody has new information - if one never had public insurance - is it possible to change from private to public (without becoming unemployed or working for the less amount of money) ?

Bies

Member since 31/08/2004

 

Posted on 29/08/2007 1:26 pm

Re: changing from private to public health insurance

I am the real havehope '' Dear detlef how is it possible that this guy is using my login name

havehope

Member since 23/07/2004

 

Posted on 29/08/2007 1:29 pm

Re: changing from private to public health insurance

Dear detlef please ignore my message .I didnot see the the date it waas 2 years ago and it was me who posted this message. so do not bother

havehope

Member since 23/07/2004

 

Posted on 29/08/2007 3:03 pm

Re: changing from private to public health insurance

hello all

As i am in private insurance, I get some money at the end of year if i dont show any bills.

Do i need to put that money in my tax decleration.

Regards
Baiju

DuPAc

Member since 05/07/2004

 

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