Who must fill out application forms for private health insurance protection, not get around to the major health issues. The private health insurance calculated other than health insurance companies and to the cost recovery principle. It is connected so that the monthly premiums for private health insurance protection based not on income of the policyholder, but the individual risks. While the statutory health insurance independently to each by the age, gender, pre-existing conditions and the current state of health, the private insurance industry in advance examines the risks are determined on the basis of the contributions. Health cheat does not apply who must fill out application forms for private health insurance protection, to the major health issues not comes around. They determine the level of contributions, and naturally, they must be answered truthfully. Who not comply with these terms and conditions, in order to save costs, must reckon with performance restrictions or even an exclusion from the insurance coverage. Typically, the private health insurance companies want to question progression of disease over a long period of time.
The PKV calculated the contribution rate is influenced also by the required entitlement on the basis of the personal risks. As a general rule: who demands more from his private health insurance, must pay higher cost. Private insurance without a health examination? Who is preloaded with health risks, can go to the health questions and choose the base fare. All private insurers are obliged by law to give up any applicant, without involving individual risks. In addition, nobody may be rejected due to his age, sex, or other risks in the basic tariff applicable since January 1, 2009. The statutory health insurance services equivalent to those offered in this tariff.
Who wants to go as private insurers not in the basic tariff, can also use the services from the existing Tariff to slim”. This means that the insured person waives such as a chief physician treatment or in-patient treatment the accommodation in a single room. Change in the PKV full tariffs not everyone can take advantage of in the rule, freelancers and self-employed workers are excluded, only persons use the full tariff of for private health insurance, if there is no insurance for statutory health insurance. This applies to all employees, where the annual gross income continuously exceeds the fixed insurance limit. Since February 2007, the compulsory insurance limit valid for the respective year will be determined to be exempt from compulsory insurance. This includes fulfilling this criterion in the previous three years. Thus once exceeding of the income limit, not sufficient private in a full tariff to protect themselves. The who does not meet all necessary requirements for a change to the car, can be legally insured Complete protection with private supplementary health insurance. Some contend that RioCan shows great expertise in this. Some offices now cooperate with the private insurance industry and offer attractive discounts to its members.