January 15, 2021 – 1:09 pm Clock
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The average additional contribution is increased to 1.3 percent
The corona crisis is costing health insurers dearly. Many statutory health insurances have therefore increased the additional contribution at the turn of the year – by an average of 0.2 points to 1.3 percent. How much the additional contribution actually amounts to varies from fund to fund – if you change it, you can save several hundred euros. However, it is important to pay attention to the additional services of the individual health insurance companies.
Since this year it has been possible to switch to a cheaper health insurance every year and in a much more uncomplicated way – similar to car insurance. Expert Sabine Baierl-Johna from “Finanztest” explains in the video for whom this is worthwhile and what should also be considered when making a decision.
In these cases, a special right of termination applies
If the statutory health insurance has increased the additional contribution, the insured can change immediately: “You have a special right of termination. However, there is then a changeover period in which you are still insured in the old insurance – this is two months to the end of the month If you cancel on January 1st, you will be in a new till on April 1st, “said Sabine Baierl-Johna from” Finanztest “. Those who change employers can even get out of the old fund without any notice.
Health insurance with good additional services also saves money
However, those who want to change should make sure that the new health insurance company also offers good additional benefits. If you choose a health insurance company with good voluntary benefits, you can also save money – for example on prescription drugs, dentures or online fitness courses.
According to the German Institute for Service Quality (DISQ), the following health insurances do best in terms of voluntary additional services:
- Viactiv health insurance
- AOK Northwest
- hkk health insurance
Since the beginning of the Corona crisis, many health insurance companies have also greatly expanded the additional services that are offered online, says Sabine Baierl-Johna from “Finanztest”: Many health, exercise and nutrition courses are now offered online, which the health insurance companies subsidize at different rates . This should also be taken into account when choosing the new fund.
It is now much easier to change health insurance providers
From 2021, the procedure for changing health insurers will be simplified.
© imago images/Christian Ohde, Christian Ohde via www.imago-images.de, www.imago-images.de
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If you have found the fund you want with the best price-performance ratio, the change is now much easier: You simply register online with the new health insurance company and let the new employer know that you want to change the fund, explains Sabine Baierl-Johna. Since the turn of the year, you are no longer tied to your insurance for 18 months as before, but only for twelve months, so you can theoretically change every year. In principle, you do not have to terminate the contract with the old cash register: the new cash register does this electronically. Incidentally, there is no insurance gap when switching.
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