Relief for Those With Health Insurance. Shutdown, short-time work, loss of profit – due to the pandemic, many people currently have to cope with financial bottlenecks. Of course, nobody wants to risk their health insurance coverage.
The good news in advance: Short-time work does not influence the coverage. For those with statutory health insurance, the protection continues even if work is entirely idle during this time. For privately insured persons, the following principle applies Anyone who was insured in private health insurance before short-time work will also remain in short-time work – even if the shorter working hours reduce their salary so much that they have to (re) insure themselves legally. In this case, the employer’s allowance increases. The burden is reduced to zero in individual cases. In the case of privately insured self-employed persons, nothing changes in the contributions that are due month after month. However, there are ways to reduce them temporarily.
New: Easier Change To The Basic Tariff
For those who are dependent on social assistance due to the current Corona situation, there are now reliefs. Those affected can switch to the basic tariff of their health insurance. This tariff offers services that are comparable to statutory health insurance. However, the problem up to now has been that the insured person could not quickly return to the old tariff. In any case, a new health check is usually due, which may trigger higher risk surcharges. The legislature has now changed that: People with private health insurance who are temporarily in need of help and switch to the basic tariff can now switch back to their original tariff without a new health check if they have overcome the need for help within two years of the change.
Go To The Standard Rate
An alternative is the so-called standard tariff, in every private insurance company offers. This is also a kind of emergency tariff based on the catalogue of statutory health insurance companies. It is often a few cheaper than the introductory rate. The significant disadvantage: You can only switch to this tariff if you were already privately insured before 2009. The return to the original tariff is also usually linked to a health check – at this point, the new law only refers to the basic tariff.
Slimming Down The Existing Tariff
In general, the insured person can also reduce his contributions by taking out a different, less comprehensive tariff from his insurer. For example, he renounces treatment by the head physician in the hospital or the assumption of costs for alternative practitioner services. Here, however, it remains the same: If the insured person wants to return to the full scope later, a health examination is generally due beforehand. However, there are a few providers who, especially in the current situation, do without it or offer other options to lower the contributions, for example, deferments temporarily. It is worth asking.
Insure Legally Switching to statutory health insurance is only an option in exceptional cases. Instead, there must be compulsory insurance in statutory health insurance. This is the case, for example, when receiving unemployment benefit I. Besides, there is age: from the age of 55, a change is generally difficult. In some instances, family insurance through the spouse in the statutory health insurance scheme may be possible. However, the whole matter is very complicated. A decision without advice is difficult for most to make.