Map Report 2011 PKV providers achieve top marks

Map-Report 2012: PKV of Debeka and Deutscher Ring achieve top marks

21.02.2012

The current „Map Report PKV Test 2012“ As every year, the private health insurance (PKV) has been tested for benefits, balance sheets, service and tariff contributions. As in other comparisons, Debeka Krankenversicherung ranks first again. Second place went to the German Ring, which took part in the competition for the first time. Both providers were able to get the highest mark „mmm“ to reach.

PKV-Map-Report since 1990
The map report is based on its own statements „mainly according to numbers and facts“ analyzing different companies in the financial services and insurance sectors. Consumers should thus have a clearly structured overview as well as a good one „Comparative instrument on private health insurance“ receive. Every year since 1990, the report has been prepared anew to check the changes and quality of the services and balance sheets offered.

Lines, contributions and tariffs change quickly. Formerly cheap offers turn out in retrospect as real cost drivers. Especially for small businesses, employees and middle-sized companies, it is important not to be literally overrun by an increase in private health insurance contributions. At the turn of the year, many private individuals had to accept increases in contributions of up to 60 percent. Anyone who thinks about a change or wants to get involved as a new customer should therefore not rely on the sole statements of insurance brokers or providers, but rather rely on comparative analyzes from an independent source.

Debeka health insurance voted best PKV
At the current „Map Report PKV Test 2012“ Debeka Health Insurance was named Best PKV. With little distance and also with the highest grade „mmm“ ranks the German ring in second place. The latter has participated in the rating for the first time. The Debeka was with 76.70 points while just ahead of the German ring with 72.45 points.

A total of 16 out of 46 insurance companies participated in the test. Not all companies disclose their sensitive data, so the number of tested can be described as relatively low. Because a bad rating can also produce a competitive disadvantage for the insurance company. According to the chairman of the test, Manfred Poweleit, the number of participants is increasing steadily. Last year, for example, the large Allianz health insurance scheme also participated in the settlement for the first time.

Six private health insurance companies with top marks
Six insurers were able to get the top mark „mmm“ achieve. The Debeka health insurance not only achieved top marks in the current comparison. In comparative assessments of Stiftung Warentest and Ökotest, the insurance company also achieved good and very good results with its health insurance offer.

In addition to the aforementioned providers „Debaka“ and Deutscher Ring reached four more health insurance companies the award „outstanding“ (mmm): The R + V health insurance, Old Oldenburg health insurance, Signal Iduna health insurance and the DKV. For the first time was also the Mecklenburg PKV. In the evaluation, the insurance company could still one „Well“ reach (mm).

Here are the remaining places of the map report from third to tenth place:
- R + V health insurance with 72.20 points
- Signal health insurance with 71.40 points
- Old Oldenburg with 70.35 points
- DKV with 70.25 points
- HanseMerkur with 65.35 points
- Nürberger health insurance with 63 points
- DEVK with the 63 points
- Provincial health insurance with 62.45 points
However, the last placings are not recorded for unknown reasons.

Contribution increases less than two years ago
In addition to the health services and service offered, the almost annually occurring premium increases were also scrutinized. In the opinion of the initiators, the premium increases were slightly lower than reported in the press landscape. That may be because the survey involved only a limited number of providers, not the numbers of non-participants. So fell according to report the increases „significantly lower“ than two years ago. In 2010, civil servants had to accept an average premium increase of 11.14 euros and employees of 24.85. In 2011, on the other hand, civil servants had to pay an average of 3.24 euros and employees 7.83 euros more for their private funds.

Do not just rely on the map report
Due to the increasing number of participants, the report can only provide a first overview. Therefore, anyone looking for suitable insurance should compare not only with the disadvantages of a statutory health insurance fund but also with other providers and also use the independent tests of Stiftung Warentest and Ökotest. In principle, it should be kept in mind that there is seldom the possibility of switching back from the private to the legal. Especially in old age, the tariffs of private health insurance often increase massively, which is why the statutory health insurance from today's perspective is also a good alternative. Anyone who still relies on private health insurance should be well advised before signing a contract. First aid is also provided by consumer advice centers.

Read about PKV:
Introduction of a new low-rate tariff in private health insurance
PKV refuses homeopathy reimbursement
Complaints about increase in PKV contributions
Health insurance: What will change in 2012?
Private health insurance may terminate
Contributor: PKV increases massively tariffs

Picture: Ronny Richert