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Aquaman - Official Trailer 1
Private health insurance
The term private health insurance ( PHI ) is the totality of the privately organized health insurance companies that offer insurance against medical expenses. Unlike statutory health insurance private health insurance companies insure only dependent employees whose gross income is above the legal limit for compulsory insurance. In addition, the self-employed, professionals and officials may be insured with private health insurance companies.
In the PKV family members are not automatically covered, but must separately - with additional insurance premiums - insurance. The insured's PKV itself party to the doctor or hospital. It applies the reimbursement principle, that is, the person receives to be settled by itself account for all benefits which he takes up and counted the costs incurred after that with his health from.
The contributions (premiums) of the insured in the private health insurance are calculated according to the entry age, health and the required insurance benefits. Thus, the different PKV principle of the statutory health insurance ( SHI ). This provides all insured regardless of age, health and income necessary in case of need performance with legal requirements. Non-working family members are in the GKV also insured without paying contributions.
By ensured that all citizens in Germany have access to health care coverage. In the PKV applies to uninsured persons that the system of private health insurance are assigned, since 1 January 2009, the requirement to insure. The compulsory insurance the policyholder is definitely on the insurer to contract for the so-called basic tariff over. This tariff must offer all insurance companies since 2009. In addition to the conventional rates. Furthermore, the portability of aging provisions upon a change of the insurance company (at from 1 January 2009, concluded new contracts) was introduced. More information on aging provision can be found here .
Public health insurance can cooperate with private health insurance companies. For with statutory health insurance, this means to relatively low rates they can arrange additional services, which they derive from Service Catalog otherwise not available to the public health insurance companies available.
In the PKV family members are not automatically covered, but must separately - with additional insurance premiums - insurance. The insured's PKV itself party to the doctor or hospital. It applies the reimbursement principle, that is, the person receives to be settled by itself account for all benefits which he takes up and counted the costs incurred after that with his health from.
The contributions (premiums) of the insured in the private health insurance are calculated according to the entry age, health and the required insurance benefits. Thus, the different PKV principle of the statutory health insurance ( SHI ). This provides all insured regardless of age, health and income necessary in case of need performance with legal requirements. Non-working family members are in the GKV also insured without paying contributions.
By ensured that all citizens in Germany have access to health care coverage. In the PKV applies to uninsured persons that the system of private health insurance are assigned, since 1 January 2009, the requirement to insure. The compulsory insurance the policyholder is definitely on the insurer to contract for the so-called basic tariff over. This tariff must offer all insurance companies since 2009. In addition to the conventional rates. Furthermore, the portability of aging provisions upon a change of the insurance company (at from 1 January 2009, concluded new contracts) was introduced. More information on aging provision can be found here .
Public health insurance can cooperate with private health insurance companies. For with statutory health insurance, this means to relatively low rates they can arrange additional services, which they derive from Service Catalog otherwise not available to the public health insurance companies available.
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