February 1
Complementary private medical assurance to supplement the statutory sickness insurance
Germany has a governmental medical insurance system (GKV). A full private sickness insurance (PKV) is only available for persons who are not obliged to be members of the national sickness assurance. But everybody has the opportunity to get a supplementary private medical insurance besides the statutory sickness insurance. On the market there are several assurance providers selling these complementary private medical assurances. On that web page one can obtain a cost-free comparison of assurance offerers and get their personal complementary private sickness insurance offer: http://www.pkv-zusatz.com
A supplementary private medical assurance has numerous advantages:
Persons with a complementary private health assurance can be treated like private patients. This means that the assurance vendors pay items like glasses and adherent lenses. Additionally, a patient with a complementary private health assurance might get a single room in hospital as well as daily compensation payments for the phase of sickness. The supplementary private sickness insurance gives additional advantages to members of the statutory sickness insurance in Germany. Private sickness assurance providers pay items, which are not paid by the governmental sickness insurance. The details are dependent on your individual contract. You should always ask for different offers before choosing your additional private sickness assurance offerer. This can be done online.
Many companies offer the option of making modulation to the tariff of the active contract. That is very useful when your personal situation changes over time. Every German, who is obliged to be a member of the governmental health insurance (GKV), can effect supplementary private sickness assurance. This applies especially to workers and employees whose incomes are below the GKV insurance limit. The insurance limit is a salary of 4,050 Euros per month in 2009.
Private patients see the doctors bills and know how much is billed. So you can see how much the different items are. As a private insured, you can control the medical bills. The monthly expenses of the private medical assurance are only dependent on the individual contract and are not calculated in accordance to your salary. Everybody, who is not happy with the low performance of the national health assurance, should consider buying complementary private sickness insurance. So they can obtain the good feeling to get better treatment and performance in case of sickness.