Corona enables you to leave private health insurance. Many who have private health insurance would like to switch to statutory health insurance. Such a change is only possible under certain conditions. Now the corona crisis offers some willing to change a chance.
Good medical care on favourable terms – for young people who earn well or earn their income, private health insurance (PHI) is definitely attractive. Contributions increase with age, and for some insured persons who do not receive a good pension, health insurance can become a poverty trap.
The contributions to the statutory health insurance (SHI) are age-independent and are calculated according to the income of the insured. In this respect, it is understandable that the legislature set high hurdles before switching between the two systems. Because of the Corona restrictions, many people have lost their income or have even lost their jobs. You may now be able to take advantage of this situation to switch to statutory health insurance.
An overview of the current situation:
If you are a self-employed entrepreneur and younger than 55 and accept a full-time job in which you earn more than 450 euros per month due to a lack of assignments, you must be employed for longer than 3 months (e.g. months plus one day) to be able to work in to change the HI. Later, as a self-employed person, you can be voluntarily insured in the HI.
The HI does not accept the loss of earnings due to short-time work as a reason to switch. The previous insured status is retained even if the earnings fall below the annual income limit (62,550 euros).
Privately insured employees who become unemployed are automatically covered by statutory health insurance again. This option also applies to insured persons who are 55 years of age or older.
Solo self-employed who earn less than 455 euros due to Corona
Many self-employed people are particularly suffering from the Corona crisis because the basis for their business model no longer worked overnight. If your spouse has statutory health insurance and you earn less than 455 euros a month, you can be included in the HI family insurance. Age does not matter for this free family insurance.
Reduction of working hours
If, for example, you have reduced your working hours because of childcare and your salary falls below the annual wage limit as a result, you can also switch if this reduction lasts longer than three months. To be on the safe side, you should contact a HI before changing your employment contract.