Krankenversicherung

Die gesetzliche Krankenversicherung bereitet immer mehr Probleme: Immer weniger Leistungen bei immer höheren Beiträgen.

Viele stellen sich die Frage, ob man diesem Kreis entfliehen kann. Die private Versicherung erscheint immer attraktiver. Doch bevor man einen Wechsel anstrebt, muss man sich über Vor- und Nachteile bewusst werden.

Gesetzliche Krankenversicherungen

Vorteile

- Keine Wartezeiten bei Wechsel in eine andere Krankenkasse oder private Krankenkasse
- Kostenlose Mitversicherung von Ehepartnern und Kindern ohne Einkommen
- Keine Beitragszahlungspflicht auch bei längerer Krankheit über 6 Wochen
- Beitragsfreiheit während Mutterschafts- und Erziehungsurlaub
- Ggf. Krankengeld bei Arbeitsunfähigkeit und Erkrankung eines Kindes nach Krankenbehandlung
- Unter bestimmten Voraussetzungen Stellung einer Haushaltshilfe
- Mutterschaftsgeld
- Vorsorgekuren für Mütter
- Direkte Kostenabrechnung mit Ärzten und Krankenhäusern
- Härtefallregelungen möglich
- beim Sozialgericht ist eine kostenlose Klage gegen
- Widerspruchsbescheide der Kasse möglich

Nachteile

- Tarifwahl eingeschränkt, keine individuelle Gestaltung des Versicherungsschutzes
- kein Einfluss auf Beitragsgestaltung da einkommensabhängig
- Beitragsberechnung für Single mit hohem Einkommen unvorteilhaft
- Lange Bindung an die einmal gewählte Krankenkasse (18 Monate)
- Behandlung erfolgt nur durch Kassen- Vertragsärzte und Zahnärzte
- Bei stationärer Behandlung nur Anspruch auf Regelleistung
- Eingeschränkte bzw. z.T. keine Leistung bei Auslandsaufenthalten
- Keine Übernahme der Auslandsrücktransportkosten
- Regelmäßige Zuzahlungen für Medikamente & Heil- und Hilfsmittel
- Zuzahlungen bei stationären Aufenthalten für die ersten 14 Tage
- Eingeschränkte Übernahme von Transportkosten
- Keine Kostenübernahme Heilpraktiker
- Relativ hohe Zuzahlungen bei Zahnersatz

 

Private Krankenversicherungen

Vorteile

- Risikozuschläge oder Ausschlüsse von Leistungen bei Vorerkrankungen möglich
- Jedes Familienmitglied zahlt eigenen Monatsbeitrag
- Beitragszahlungspflicht auch bei längerer Krankheit über 6 Wochen
- Wechsel der Krankenversicherung nur eingeschränkt möglich
- Keine Beitragsfreiheit während Mutterschafts- und Erziehungsurlaub
- Summenbegrenzung bei Zahnersatz in den ersten Jahren möglich
- Keine Übernahme der Unterkunftskosten bei Kuraufenthalten
- Drei- bzw. achtmonatige Wartezeit, wenn keine Vorversicherung vorliegt und keine ärztliche Untersuchung durchgeführt wurde
- Keine Übernahme der Auslandsrück-transportkosten je nach Tarif
- Rechnungen müssen in einem bestimmten Rahmen vorbezahlt werden
- Rechtstreitigkeiten werden kostenpflichtig vor dem Zivilgericht durchgeführt

Nachteile

- Beitragsgestaltung individuell je nach Tarifwahl
- Freie Tarifwahl, individuelle Zusammenstellung des Versicherungsschutzes
- Beitragsberechnung für Single mit hohem Einkommen vorteilhaft
- freie Arztwahl
- Behandlung als Privatpatient
- Stationäre Behandlung im Einbettzimmer / Chefarzt je nach Tarifwahl möglich
- Kostenübernahme Heilpraktiker je nach Tarif möglich
- Relativ hohe Kostenerstattung Zahnersatz je nach Tarif möglich
- Beitragsrückerstattung bei Nichtinanspruchnahme von Leistungen möglich
- Weltweiter Krankenschutz je nach Tarifwahl möglich

Welche Krankenversicherung für Sie die richtige ist, können wir in einem kurzen Gespräch klären. Rufen Sie uns an!

 

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