How do you negotiate consulting tariffs

Private health insurance: How to switch to a cheaper tariff

Which tariffs are available when switching?

In principle, you can choose from all of the company's tariffs.

Tariffs that were offered before 2013 are calculated separately by gender (so-called bisex tariffs). Later tariffs are called unisex tariffs. In the past, tariffs for women were regularly more expensive, partly because they are statistically more expensive for insurance companies due to possible pregnancies and a longer life expectancy.

If you want to switch from a tariff that is older than 2013, you should be particularly careful:

  • Analyzes of the newer unisex tariffs have shown that Women but do not have any significant price advantages if you switch from old bisex tariffs there.
  • For Men A change from an old tariff based on gender to a new unisex tariff often means significantly higher premiums.
  • On the other hand, there were also some in the unisex tariffs Services expanded (especially for aids, psychotherapy and rehabilitation). This can make a switch interesting again despite higher premiums, because you also get better insurance cover. Warning: When changing from bisex to unisex tariffs, you should make sure that the insurer does not immediately exclude the extended benefits for you (see also below).

It is difficult to make a general statement as to whether a switch to the new tariffs is worthwhile. It depends a lot on your situation and the options with your insurance company. If in doubt, let us advise you independently!

How do I find out which tariffs are eligible?

Ask your insurance company, referring to Section 204 of the Insurance Contract Act (VVG), to make you offers to switch to all tariffs that meet your requirements. You can also use our free sample letter, which offers important formulations to choose from. Simply tick in the sample letter which alternatives are suitable for you.

Important points about the inquiry to the insurer:

  • Access restrictions, such as the restriction on the entry age, do not apply when changing tariffs.
  • You should be aware of your company's offers for both bisex and unisex tariffs let submit.
  • In principle, you only have the right to change tariffs for open sales tariffs. Experience has shown that insurers also regularly offer their customers closed tariffs to switch to. All companies are legally obliged to give their customers comprehensive advice on changing tariffs and to document this in writing. Request that advice documented in writing becomes.
  • Ask your insurer to provide an understandable one Comparison of the services, as well as the full tariff conditions.

When you have the answer, you can pay attention to these points:

  • The vast majority of health insurers have committed themselves in so-called guidelines to indicate if the tariffs offered only a selection of their tariffs represent. So pay attention to whether this notice appears in the answer from your insurance company.
  • When answering, check first whether you all relevant tariffs were offered.
  • Once you have found attractive tariffs, check whether the Services in it are sufficient for you are. Often, younger tariffs have a lower scope of services than older tariffs. If you're interested in a different bisex tariff, keep that in mind for the long term no more new customers get into bisex tariffs and numerous insured persons could switch to other tariffs. It is therefore possible that the premiums there will rise higher in the future than in sales-open tariffs.
  • It may be difficult to seewhether you are offered a bisex or unisex tariff. There are insurers who have retained the old tariff names for the unisex tariffs. The tariffs often have the suffix "U" in the designation. If in doubt, ask the insurer in writing whether the tariff is bisexual or unisex.

As long as bisex tariffs are still significantly cheaper and powerful, it can be worthwhile to stay with them for a few more years. But then it is all the more important to make regular comparisons. If the bisex tariffs become significantly more expensive, you should always consider changing to unisex tariffs.

Attention: It is not possible to switch back from a unisex to a bisex tariff. This also applies to a possible change in old age to the often very cheap standard tariff (see below).

If your insurance company delays the tariff changeover, this will be borne by the company. You should set your insurer a deadline by which the changeover must take place and, if the deadline is exceeded, request a retroactive changeover. During this time, you should only pay the original tariff contributions subject to the reimbursement.

Can the insurance company ask for a health check?

If the new tariff includes additional benefits compared to your current insurance coverage, your company may request a health examination.

  • An additional benefit would be, for example, the reimbursement of costs for treatments by alternative practitioners if the previous tariff does not provide for this.
  • Legally, it also represents an additional benefit if the deductible is reduced.

The health exam is allowed, however only with regard to the additional services impact. The insurance company may charge risk surcharges for additional benefits - i.e. increase the contributions additionally. In addition, the insurance company can demand exclusion of benefits - it stipulates in the contract that it does not cover the additional benefits in the event of certain illnesses.

You can avert both by foregoing the additional services of the new tariff.

What other savings are there?