The benefits of the statutory health insurance were on the recommended vaccinations: Permanent inoculation commission (e.g. influenza, pneumococcal or meningococcal C), parent-child treatment of the doctor, rehabilitation treatment for old people, and to the treatment of seriously and terminally ill patients. Self inflicting acts such as complications that arise from self-treatments, which include cosmetic surgery, piercings, or tattoos being paid.
From 1 April 2007 onwards, all those that are insured come under new tariffs. Among the new tariffs, there is also the possibility of using tariffs to choose a deductible: this means that patients pay a lower contribution, if they commit to pay a part of the treatment. This result in savings opportunities of up to 600 Euros a year for those who decide to tie the tariffs to the fund for at least three years. New patients can make cash bonus also.
From April onwards, any uninsured persons will be insured again, provided they were previously insured by law. This innovation concerns mainly the Europeans, who currently do not have health insurance. From July onwards, any former private insurance consumers have the opportunity to return to their private provider. The government will provide grants for those who are unable to pay their contributions.
Screening will be Mandatory
From 1.1.2008 onwards, it looks bad for screening as it becomes mandatory. Whatever screening tests that were waived in case of illness must now to be paid more. The limitation of the co-payment requirement to a percentage of household income in 2008 is only for those patients with pension booklet, or for the participants in the so-called Chroniker programs.
Lower Minimum Contributions for the Self-Employed
Again, from 1 April onwards, new health insurance contributions will be calculated for those self-employed people who were insured by law. The notional minimum wage is reduced to 1,225 Euros – so, for low-income self-employed people, the savings of up to 100 Euros per month is possible.
New Funding in Contribution Rates
At the beginning, about 150 health insurance companies have increased the contribution rates from 0.2 to 1.6 percentage points. The treasury justified this increase with the health care reform. Experts expect further increases in rates, as a complete write off debts of the health insurance until the end of 2008.
The Health Ministry had stated that starting 2009, there will be launch of health fund, which will have nationwide uniform rate. The health insurance fund is not enough money, and members require an additional one percentage point. With significant surplus of funds, your insurance can provide financial benefits or repay contributions.
Changes for Privately Insured
With regard to people who are privately insured, there is no change. From 1 January 2009, the private health insurance companies offer a base rate in the range of services, which is a statutory health insurance. Contributions pertaining to the maximum amount of statutory funds are currently no more than 500 Euros per month. Nobody may reject the private health insurance in the base fare and the health examination.
However, since 2 February 2007, those whose normal gross annual income is more than 47,700 Euros, are free to prefer between private and statutory health insurance companies. This means you may join both a statutory and a private company.
Further details of Health Reform are available on internet.
For more information on the new selection of the statutory health insurance rates, a contribution and performance comparison, and additional information on health care reform can be found on the Internet.