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What do I have to look out for with private health insurance for civil servants?

When choosing private health insurance for civil servants, it is important to find the right insurance for you with the best contribution-performance ratio.

You should make sure that the choice of private health insurance for civil servants is individual for everyone and must correspond exactly to your personal ideas. Nevertheless, I, unfortunately, experience again and again that the following mistakes are made when choosing private insurance:

– the decision is made on specific health insurance because another family member (e.g., mother or father), friends, or work colleagues have been insured there for years

– colleagues are asked where they are insured, and this is used as a basis for the decision

– the choice of health insurance Is made solely on the basis of test results

– Internet forums advise against various insurance companies, and “horror scenarios” are described (e.g., in relation to payment behavior for medical bills)

Which criteria you should consider when choosing your private health insurance

Let’s take a look at these selection criteria together to see how they help you decide:

“I would like to decide on a specific private health insurance because a family member is also insured there.”

Especially if, for example, a family member has been satisfied with certain health insurance for years, it makes sense at first to choose the same insurance. However, the following should be considered: A family member (e.g., a parent) who has been satisfactorily insured with a certain company for decades will most likely have different benefits in the contract compared to the current conditions of the corresponding private health insurance. The content of your contract can therefore be completely different in the event of a claim designed, although the society is identical. In this case, the positive experiences cannot generally be transferred to the current service content. For this reason, you should definitely have an independent health insurance comparison for civil servants carried out before you complete it to check the current level of benefits.

“Most of my colleagues are at the …. insured. That’s why I agree with you and also choose this health insurance.”

If many colleagues are covered by certain health insurance, it can’t really be wrong to also opt for this private health insurance. This procedure saves time and, above all, the effort of having to deal with the complex and opaque topic of private health insurance for civil servants.

However, it is forgotten that with private health insurance for civil servants, each situation is completely individual. Every civil servant candidate, trainee lawyer, and civil servant has different ideas about the benefits of private Active health insurance, and, above all, the contributions can vary greatly due to certain “pre-existing conditions.” In addition, every PKV tariff has strengths and weaknesses. The performance deficits, in particular, are often hidden in the “small print” of the terms and conditions and are difficult to understand if you do not deal with this topic on a daily basis professionally or as a hobby.

Unfortunately, the larger performance cuts are often found in areas of the private health insurance tariffs that rarely play a role in normal everyday life. In the case of expensive services, such as larger dentures in old age or medical aids after accidents or serious illnesses (e.g., wheelchairs or prostheses), there are sometimes major differences in the contracts. Please keep in mind that most of your colleagues are most likely healthy and must therefore be satisfied with their health insurance, as all companies pay the same for a flu infection. No one only becomes a civil servant at the age of sixty and at a “younger” age; of course, very few people think of a prosthesis or a wheelchair, for example. Unfortunately, I keep finding that a number of civil servant candidates and civil servants do not even know their contracts exactly. The company itself was often originally chosen on the basis that other colleagues were already insured there.

Therefore, I would like to give you the following advice in your own interest: Get a picture of the contract terms with the individual advantages and disadvantages of the tariffs and make your decision based on them. After you have dealt intensively with the collective agreements, you will notice when you have questions that not every civil servant knows their own conditions down to the last detail. That is why it is not advisable to make a decision solely on the basis of the recommendation of other officials, especially since everyone ultimately has different ideas about insurance coverage. 

Tests often have a good reputation and a certain amount of trust, and in general, it is not bad to consult them for the decision. However, choosing private health insurance based purely on test results is highly risky. First of all, the question arises as to which test winner you put your trust in. There are countless tests for private health insurance for civil servants, and the test winners vary from test to test. With each test, different bases for assessing the tariffs are established. However, it is very unlikely that these will exactly match your individual needs and ideas. In addition, often, only the basic tariffs are tested, the important supplements (e.g., supplementary aid tariff) are left out ( test ), and your state of health is, of course, not taken into account at all in such tests. So it could be that the test winner, due to possible “pre-existing conditions,” demands a risk premium that is too high in the market comparison and is therefore completely uninteresting for you in the individual evaluation.

Also, keep in mind that most of the tests are also carried out by commercial companies. Stiftung Warentest / Finanztest, for example, charges high license fees in order to be able to use the corresponding test winner seal. It is therefore by no means a “non-profit organization” but a company with the aim of making a profit. Of course, this also applies to other magazines, such as Focus Money which conduct tests. Therefore, you should look very closely at the basics of the test. What experience does the tester have in general in the specific area of ​​private health insurance for civil servants? For example, does the test relate to your state in which you are a civil servant? What content-related criteria are used for the evaluation, and to what extent do they correspond exactly to your ideas? Does the test only evaluate the tariff or also the economic situation of the health insurance company?

I find some test results simply incomprehensible with a neutral evaluation, while others are understandable. If you rely on such test results when choosing your private health insurance and are later negatively surprised by certain contract contents, you have no legal recourse. 

“Actually, I had already decided on an insurance company, but I read in forums on the Internet that many customers there are dissatisfied.”

If you research the various private health insurance companies in Internet forums, some entries may cause skepticism. For example, there is talk of payments that were arbitrarily rejected or insurance companies that only responded to queries weeks later. This does not apply to a specific health insurance company, but you can find such or similar entries for almost all companies.

However, in order to really be able to evaluate such facts, the entire process would have to be available in all details. For example, if it is alleged that health insurance companies are refusing to pay medical bills, caution should be exercised as the terms of the insurance do not allow for this to be easily achieved. In my experience, it is usually the case that there are queries from the company about the corresponding invoices in these cases. 

This is why good advice is so important in everyday practice with private health insurance. It makes sense to have an expert on hand who explains to you in a comprehensible way which facts still need to be clarified and solves them together with you so that you get the money you are entitled to. Understandably, the complaints in the Internet forums mostly concern the companies, but in reality, it is often not a bad tariff, but the necessary professional support from the consultant with whom you have concluded the contract is missing. This person must be easily and quickly accessible and provide you with continuous support. This means that there are no long waiting times for your queries.

As such, I recommend that you be very skeptical and cautious about evaluating what is posted on forums. It is generally never comprehensible whether the process described in each case took place in this way since anyone can make any entries in the corresponding Internet forums. In addition, the exact facts can never be understood, and therefore the real background cannot be researched.

How should you go about finding the best PKV?

Therefore, when deciding on a specific private health insurance policy for civil servants, I recommend considering the above aspects.

Do not decide for or against private health insurance for civil servants or civil servant candidates based on the statements of colleagues or from the Internet, but concentrate exclusively on the conditions of the tariffs. The contents of the contract are provided with all advantages and disadvantages. In my view, there is no such thing as the perfect health insurance plan. You always have to weigh up which advantages you particularly like and which disadvantages you cannot live with. That is why the selection of the private health insurance tariff is so individual since everyone has different priorities in terms of performance.

You should take out the insurance with an expert for private health insurance for civil servants, who will not only advise you independently but will also support you in everyday life beyond the conclusion of the contract. In my opinion, this fact is just as important as choosing the right health insurance. In this way, you do not have to contact us in the future in the event of discrepancies, e.g., B. with billing questions about the fee schedule, but have a specialist at hand who supports you in such cases.

I consider it fundamentally important to have an adviser who is qualified in the field of private health insurance. Not only in the later support of the contract in everyday life but also in the selection of the right private health insurance. However, I recommend that you have the facts of the contracts explained to you in the course of the consultation so that you can get to know all the advantages and disadvantages and then make your own decision.

Unfortunately, I experience again and again that a lot of emotional arguments are used in consultations. Unfortunately, there are always claims that are factually wrong.

An example:

A consultant claims that company XY will be more stable in the future in contrast to other insurance companies.

Of course, this argument sounds very positive since everyone wants health insurance with stable contributions. The point is, can the advisor making that statement see the future? An important factor for premium increases is additional medical costs in the tariff, for example, due to medical progress. It is simply impossible to predict how these additional medical costs will develop over the next 20-30 years. In addition, all companies are affected. Of course, one can hope that a company will shine with excellent contribution stability, e.g., B. due to current excellent business figures, etc. However, especially in the area of ​​health insurance for civil servants, the differences in the contribution increases are significantly lower on average than in private health insurance for employees and the self-employed due to the high subsidy rates. In addition, past figures say nothing about the future. These can only be used for support. Ultimately, no consultant can clairvoyantly make a statement about any private health insurance for civil servants on the long-term contribution trend. Therefore, such a claim is an emotional argument with no factual substance. These can only be used for support. Ultimately, no consultant can clairvoyantly make a statement about any private health insurance for civil servants on the long-term contribution trend. Therefore, such a claim is an emotional argument with no factual substance. These can only be used for support. Ultimately, no consultant can clairvoyantly make a statement about any private health insurance for civil servants on the long-term contribution trend. Therefore, such a claim is an emotional argument with no factual substance.

For this reason, you should ask yourself for every argument put forward: Is this argument comprehensible and legible, or is it just speculation, possibly with the aim of recommending a particular insurance policy that the advisor would like to sell you. My only concern is that you are attentive to the advice you take up and reflect exactly which arguments have substance and which are only more or less used to sell health insurance.

In the meantime, the standards of training among insurance agents are also significantly higher than they were years ago. Nevertheless, I still experience it in everyday life that arguments are used for sales that are aimed at emotions and are technically and factually simply incorrect. Therefore, always have all arguments backed up by the written contract or other official documents.

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