Who is sick, does not want even bother with his insurance. Things worth, even before the signature to look for the details …Everyone is so well served, as he assured himself. In private health insurance, which is to ensure adequate medical care basis.SHI: Often limitations or co-paymentsBut beware: often in the SHI numerous restrictions and co-payments the rule: for a dental prosthesis in the simplest embodiment, for example, the GKV reimbursed only half of the regular health care, so 50% of medically necessary services.The rest of the insured must pay out of pocket. Health referring to argue that the patient can reduce the amount of the payment itself by regular health checks go – in the face of rising costs for control study is the long-term savings effect but small shows, for example, this article.

PKV: High transfer rate

The private health insurance

Contrast, assume the cost for high-quality dentures or orthodontic treatments – depending on your plan up to 100%. The same applies to treatment by medical practitioners or psychotherapists. The “cash patient” must include the costs for these specialists usually self-supporting, while the privately insured enjoys free choice of doctor. And usually it's the patient who knows exactly what treatment works best …

Extra costs for special treatment?

Another example: Many treatments today bring extra costs for legally insured with them. For healing, supplies, bandages and medicines to fall 5 to 10 € or 10%. Non-prescription drugs – from aspirin until the fever of travel medicine juice for children – must itself be taken over. There are also visual aids for severely visually impaired. No extra charges are usually for private insurance.

Differences in the rate of PKVen

However, there are large differences within the private health insurance: Because the actual reimbursement amount is the crucial details of the tariff. Therefore, it is important to seek advice from independent experts. Attention should be paid to the professional expertise of agency: A general comparison site that compares only electricity tariff, mobile phone provider also the car insurance and airlines can not usually know the thousands of tariff options for private health insurance to the last detail. Therefore, we should trust portals that are specialized in the comparison of health insurance. Such Independent and free to private health insurance comparisonOffers the example of the compass at PKV www.pkv-kompass.de.

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