When switching to private health insurance, civil servants with children have to decide whether their descendants are also covered by health insurance. The first question is whether the social security law obliges you to take your children into private health insurance or whether you decide how you want to insure your children.
There is no legal obligation to insure your children privately. A family insurance with the GKV is not possible for the children if you income when civil servants cross the compulsory insurance limit and receive a higher income than their spouse. Only if both points apply at the same time is it necessary to insure the offspring privately or voluntarily. Always on condition that you, as an official, choose private health insurance.
If one of these criteria is not met, you are free to leave your children in your partner’s compulsory family insurance. In contrast to private health insurance, family insurance is free of charge in statutory health insurance.
Free family insurance in the statutory health insurance or more benefits in the private health insurance?
Of course, you can also insure your children privately if you appreciate the high quality of private health insurance for your offspring.
This is not possible for civil servants in Hessen, because the subsidy for Hessen only accepts private child insurance if you are obliged to take out private or voluntary insurance for the child based on the social security criteria mentioned above. However, the right to vote is free in all other federal states and for federal officials. The experts from https://www.sportwetten.net/wettträger/ also have a whole lot more useful information on the topic of benefits and private health insurance for children on your side!
If you choose to take out private health insurance, you will receive an 80% reimbursement of the medical costs for the offspring, in accordance with the most Guidelines. This means that for children only 20% of the remaining costs are covered by private insurance for civil servants (except in the states of Hesse and Bremen).
The cost of a child in a private children’s health insurance is usually between 30 and 45 euros (depending on the scope of benefits and insurance). To claim on the To have child benefit, you need to receive child benefit.
Therefore, voluntary statutory enrollment is generally not attractive for children, as it requires a monthly fee of more than 150 euros.
If you have legal freedom to insure your children, I recommend that you consider the importance of private health insurance for your children. Especially for parents who value alternative forms of care, private insurance can also offer children real added value compared to SHI.
If you decide to keep your child in the statutory family insurance, the statutory health insurance regularly checks whether your child’s children can remain unchanged in the GKV’s family insurance on the basis of social insurance.
As soon as this is no longer possible, you should switch to voluntary insurance or private health insurance.
Due to the sharp drop in the monthly premium, the decision for private health insurance is obvious.
Attention: The “obligation to declare before signing a contract” also applies to your children (with the exception of insurance immediately after birth).
This means that all health questions in the application for child insurance must also be answered correctly. It is not important which "diseases of the past" you know, but which diagnoses are contained in the doctor’s file (pediatrician, etc.).
I therefore recommend that you request a printout of the medical records of the doctors you have consulted with your children before concluding a contract with a health insurance company. This is the only way to ensure that everything in the private health insurance application is correct and complete.
Some medical diagnoses can also increase your child’s monthly health insurance premiums through risk premiums. In contrast to statutory health insurance, private insurers can charge additional premiums for diseases that existed before the insurance contract was concluded.
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