Hallesche denies excessive PKV commissions

Hallesche Krankenversicherung denies excessive placement fees
Excessive final commissions in private health insurance continue to be controversial

28.04.2011

The discussion about the commission payments in the private health insurance seems to be starting to bear fruit. after the „Financial Times Germany“ has reported on the sometimes horrendous commissions on private health insurance (PKV) have spoken in recent days, both representatives from politics and the chairmen of several private health insurance for a cap on the final commissions.

The brokers receive up to 18 monthly contributions aloud „Financial Times Germany“ for the change of insurance of a customer in the direction of private health insurance (PKV). Misconduct is favored by these significant payments and in the end, the insured must pay their contributions to the commissions, the criticism. Even the rather PKV-friendly FDP therefore demanded a cap on the agency commissions. But even the first private health insurance companies have apparently recognized that they are more likely to hurt themselves with the excessive commissions than to gain new customers sustainably.

Upper limit for agency commissions and longer liability periods
The Chairman of the Board of the largest private health insurance DKV, Dr. med. Clemens Muth, welcomed the planned measures of the policy in view of the current media reports. An upper limit of the brokerage commissions as well as longer liability times of the brokers in the case of a contract cancellation would be quite reasonable, explained Muth. Also the Hallesche health insurance has on the coverage of the „Financial Times Germany“ reacted and denied paying up to 18 monthly contributions following successful conclusion of the contract as brokerage commissions. In a press release, the health insurance said that in the Halleschen only below average commissions paid and the figures of „Financial Times Germany“ attributable to methodological shortcomings.

The costs of the commissions are borne by the insured persons
But the chairman of the board of the DKV is not without reason for a cap on the commissions have pronounced. Industry experts know that the information of the „Financial Times Germany“ from a maximum of 14 to 18 monthly contributions as agency commissions are quite realistic. Converted so come together with an average monthly fee between 200 and 300 euros commissions in the amount of 2,800 to 5,600 euros. Costs that must ultimately be financed through the contributions of the insured. Hardly surprising, therefore, that the Halle health insurance defended against the reporting, because it might come to the insured otherwise the idea that their contributions are due to the agency fees accordingly higher. (Fp)

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PKV commissions should be capped in the future
Drastic reduction of PKV commissions
Change to PKV often not advisable

Picture: Gerd Altmann / Gerold Meiners