Private Health Insurance

In the private health insurance, the costs directly provided the policyholder at the doctor – he gets them refunded but in the Nachinein of the car. The German health insurance system consists of the statutory health insurance (GKV) and private health insurance (PKV). About 85% of Germans are members of statutory health insurance, while about 15% of the insured with a private health insurance signed on, because they meet the so-called shooting conditions. Both insurance companies differ, inter alia through its billing procedures, their achievements and their contributions. In a contract with a private health insurance the insured person pays an individual contribution plus 10% for retirement provisions, while in the statutory health insurance contributions from each insurance company are the same and also no age provisions are made.

Billing procedures of medical expenses in the statutory health insurance, as well as in the private Health insurance apply the treatment costs and the cost of diseases or accident of the insured from the insurance company. While the so-called principle of the kind applies to statutory health insurance, while the private health insurance companies prefer the cost reimbursement principle. Kind principle means that the costs incurred directly between the doctor and the health insurance fund are settled. The patient gets to see an invoice and also not know what services the doctor with the health insurance company has settled. Legally insured directly out of pocket to pay only the practice fee of 10,00 euro per quarter and the co-payments for drugs if they are not exempted from these payments. He completes a kind of contract the billing method of private hospital insurance if a private patient to the doctor’s and treated, with the doctor, which makes the patient the immediate contractual partner of the doctor. Therefore, the doctor sends its bills directly to the patient, and not to the insurance company. The Patient must forward the original invoice in the billing process of the PKV receipt to his insurance company, to obtain the money retroactively. The invoice amount is transferred to the account of the insured person, if the calculated benefits in accordance with the performance package, has agreed the insured person with his private health insurance and for which he pays a monthly contribution. The age provisions play no role in the settlement process of for private health insurance.

Invalidity Insurance

Officials require facts relating to the protection of labour while employees and self-employed persons will need a private disability insurance, to be financially secured with a health-related loss of labour, invalidity insurance provides adequate protection. The supply of the service Mr is a significant supply gap although better than other occupational groups, still have officials without additional insurance in the event of an emergency. The civil service law provides that civil servants to retire to allow or dismiss, if they are permanently incapable (disabled) as a result of a physical illness or due to weakness of the physical or mental forces to fulfill their duties. This provision however differs from the usual conditions of insurance a pure disability insurance. This happens partly as disabled moved to retire is that an official but still must do his disability insurance, because still no permanent disability of at least 50 percent has occurred.

The official, who would have to suffer financial losses despite disability insurance has the financial damage. The employer ultimately decides whether or not, the officer is unfit for service. Therefore insurance of invalidity, which follows the decision of the employer and requires no own medical opinion is safe for civil servants. The selection of suitable insurance companies for civil servants is but one hand counted on, because few insurers ever offer an invalidity clause. So you must not long process in an emergency with the insurer, officials already in the contract exactly details the condition of the offered tariff should consult. -How good is the invalidity clause? -Join the insurer of the decision of the employer? -Does the insurer also already invalidity of part of? -Waived the insurer in the event of an emergency on the abstract and specific reference? -Does the insurer guarantees insurance without re-examination of health, if the civil service is reduced? -What are the conditions for officer candidates, officials on trial or officials revoked? Also a long insurance and endurance is important.