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Private Health Insurance

28 March, 2014 (06:11) | General | By:

A tariff change is to get a possibility of rate change and post reduction without change of insurer of many policyholders in the private health insurance (PKV) insurance contract law pursuant to section 204 in these days of post from your insurer. Often, this is not necessarily enjoyable, because it is reported, that an adjustment of contributions is required. Depending on the amount of customization and the far post in the own contract, many think quickly of a termination of the insurance cover. This is not advisable, as described already in the post “not rashly terminate in post adjustment” but in any case. Now the insured but share in multiple “groups” with different options. All together have usually the target to optimize their insurance coverage, to reduce the contributions, or at least to stabilise. It turns out often that not all, or not the right selection criteria were taken into account when concluding the contract.

So think some insured “he drive a Luxury sedan”and the contract proves to be”Small car”. The young and healthy insured, still not allzulang at the respective companies fare not optimal assured. Have this it usually still slightly, to implement a tariff / change of insurer. This selected should be taken carefully, but mandatory. The several years insured, some pre-existing conditions, fare choice may not be optimal here. Here it is more complicated, a change of tariffs and also the change of the company is still quite conceivable, if this in the long term, a better result can be achieved and the fare is better suited to your needs. Often is here but to be reckoned with (new) spreads.

The insured person, for many years, often even “older” and with several pre-existing conditions, fare is expensive now and already the employer maximum grant. Here, the question no longer arises for a new company. Either would be a significantly higher age to consider or serious illnesses speak it against a new risk assessment.