Should you take out health insurance

No health insurance - what to do?

How can you get private health insurance again?

People who can be assigned to private health insurance must

  • the full premium for the first six months without insurance,
  • then pay a sixth of it each time.

The latecomers can, however, agree to pay in installments with the private insurance company.

Private health insurances must provide people who have not previously had health insurance cover and who cannot take out statutory health insurance, offer at least the so-called basic tariff. The basic tariff corresponds to the scope of services of the statutory health insurance and may only be as expensive as the maximum contribution there. In 2021 that will be 769 euros. In addition, there is the contribution to long-term care insurance. Risk exclusions and surcharges due to previous illnesses are not permitted in the basic tariff.

If insured by the contribution amount in need of help in terms of social law the contributions can be halved. If this is also demonstrably too expensive for an insured person, he can a subsidy from the responsible basic security or social security agency to get. Payment must be requested from the responsible institution and approved.

So that privately insured people with temporary premium debts do not completely lose insurance cover with their private insurer, a further social tariff was introduced in 2013, the so-called "Emergency tariffThis tariff is intended for temporary financial exceptional situations. The emergency tariff can therefore not be actively selected. Rather, the insurer converts to the "emergency tariff" if there is a premium arrears and two reminders have been issued.

The existing insurance contract is then suspended until the premium debts, including late payment surcharges and dunning costs, have been paid. As soon as the debts have been paid, the downgrade to the old tariff takes place.

In the emergency tariff, the insurer only pays benefits for adults in the event of acute illnesses and pain, as well as pregnancy and maternity. In the case of children, expenses for preventive medical check-ups to detect diseases and vaccinations recommended by the standing vaccination commission are also covered.

The emergency tariff is only a solution for exceptional cases. If there is a need for help in the sense of social law, basic and standard tariffs are more in demand. You can read the regulations on the basic and emergency tariff in more detail in our separate article on the subject.

Special case: a return from abroad without insurance

Anyone returning to Germany from abroad must also take out statutory or private health insurance again.

who previously legally insured was, returns to the statutory health insurance. Those who were previously voluntarily insured will also be accepted again if they were also legally protected abroad.

who previously privately insured in Germany had to look for private health insurance again. The returnees from abroad are entitled to be taken back from their previous private health insurance. It must at least offer insurance in the basic tariff.

For people who have never had health insurance in Germany, the assignment is based on the last professional activity abroad. Employees should be assigned to statutory health insurance regardless of the amount of their wages or salaries earned abroad in order to avoid costly administrative proceedings. Self-employed / freelance workers, on the other hand, who were not yet legally insured, must take out private insurance.

High hurdles to return: our demands

It is therefore possible to return to insurance coverage, but the hurdles are still too high for many of those affected. As a rule, you cannot settle the accrued premium debts in one fell swoop - and there is no fundamental right to payment in installments. In the best case scenario, some health insurances will agree to it for a period of six months. A right to payment in installments would be particularly helpful. With an effective installment payment agreement, full insurance coverage is automatically restored if (and this is important!) The agreed installments are paid reliably.

We therefore demand: Health insurances and health insurances must be obliged to agree on installment payments with non-insured persons that suit their financial possibilities. In addition, the late payment penalty should be reduced to an appropriate level.