These are often associated with incentives such as financial bonuses or bonuses in kind.
Bonus programs: some health insurance providers offer programs aimed to promote health-conscious behavior, for example. Service features: health insurance providers have different opening hours, contact options and digital tools that they provide their members. The specific benefits are detailed in the health insurance providers’ statutes. Voluntary benefits: some health insurance providers voluntarily cover the cost of certain benefits – such as special therapies, alternative treatments and travel vaccinations – or subsidize health courses. The health insurance providers individually set the contribution rate and can adjust it at any time. Supplemental contribution rate: health insurance providers charge a supplemental contribution on top of the base contribution rate for statutory health insurance. However, there are differences between the providers with regard to: These include medically justified services such as doctor’s appointments and hospital stays, for example. Why should I switch health insurance provider?Īll statutory health insurance providers largely offer the same services. Decisive factors include the insured person’s social security status, salary and age. It is possible to switch between private and statutory health insurance, but only under certain circumstances. It is also prohibited from preventing or hindering the membership by providing false or incomplete advice. The selected health insurance provider is obliged to accept you – regardless of your age, gender or health. If you are a member of the health insurance provider for farmers, you do not have the right to choose as this is a compulsory insurance for this profession.Ī list of all health insurance providers together with their areas of coverage and supplemental contribution rates can be obtained from the National Association of Statutory Health Insurance Funds (GKV-Spitzenverband). 
You can choose any of the about 100 health insurance providers in Germany providing they are not associated with a specific place of residence or work, or employment in a specific company.
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