Warning about change in PKV low rates

PKV change

PKV change: warning of cheap rates of private health insurance (PKV)

(13.07.2010) First of all, many insured persons get into a low-priced personal rate of private health insurance (PKV) and over the years they receive unpleasant post. In such letters, drastic increases in the originally cheap PKV tariff are announced. Some insured people then quickly think of the change. But beware: The Federal Association of Insurance Advisers warns against alleged cheap deals of insurance providers.

Insured who are considering a change in their private health insurance should not be tempted by cheap offers, because cases in which customers were advised incorrectly, accumulate lately, as insurance advisers of the Federal Association say. The note applies to both full and supplementary insurance. Insured persons should not prematurely get involved in lock offers, because a low-priced private health insurance tariff is often associated with a much smaller amount of benefits. The insignia then have the insured and probably have to pay heavily later. Probably more than they paid before. Because apparently more and more PKV´s on the market where only a corresponding aging provision was insufficiently planned. Due to this circumstance, the policies are becoming more and more expensive over the years and the benefits remain the same. As a result, many old-age pensioners have to give up their expensive insurance because their contributions simply can not afford it anymore. After that, only the way into the not really inexpensive PKV base rate remains.

So who wants to change his PKV, should be in the insurance to explain exactly how stable the offered PKV tariff in recent years. It makes sense before the conclusion, to be confirmed in writing that the tariff change no disadvantages in the benefits arise. A documentation obligation of the insurer or mediator is anyway regulated by law. If a health insurance broker does not want to keep a written record of his verbal requests, willingness to change should distance himself from the new PKV. Because without written proof, you can later prove nothing completely. (Sb)

Also read:
Solution for PKV insured at Hartz IV?
Now change to private health insurance?
Health insurance: contributions are increased again?

Picture: Margot Kessler