Private health insurance: insure children in pvk

Private health insurance: child with their own tariff

In the private health insurance (PKV) there is no non – contributory family insurance that can be used to insure your own children, as in the statutory health insurance (GKV) the case is. Those who have private health insurance usually have to take out separate tariffs for their children. But there are exceptions.

Insure children privately

Families in the PKV have to pay attention to many differences from the GKV. However, children only have to be privately insured if at least one parent is also in the private health insurance. If not, you can use the statutory family insurance be insured. If you have private health insurance, you usually have to register your own children with a private health insurance. This always applies if the main earner is privately insured and also above the Annual salary limit (JAEG) lies. If these two factors are met, an additional tariff must be concluded for the child in private health insurance. However, private health insurance for children does not always have to be taken out.

Exceptions for private health insurance for children:

Both parents are in the SHI

The main earner is in the SHI

The main earner is in the private health insurance; Annual income but under the JAEG

Parents are not married to each other; one of them is in the SHI

Children in family insurance

If one of the above cases arises for the health-insured parents, the children do not have to take out private health insurance. Children can be included in the family insurance of the legally insured parent. The family insurance is free for relatives. In this case, only one family member pays. There are no additional costs for the co-insured. Unfortunately, this GKV model is also not possible in private health insurance. But here too there are various ways to reduce the financial burden.

If one of the above cases arises for the health-insured parents, the children do not have to take out private health insurance. Children can be included in the family insurance of the legally insured parent. The family insurance is free for relatives. In this case, only one family member pays. There are no additional costs for the co-insured. Unfortunately, this model of the SHI is not also in private health insurance possible. But here too there are various ways to reduce the financial burden.

Children in the PKV according to occupational groups

Depending on what activity the The main earner of the family there are different models that can be used to minimize the costs of private health insurance for children. It makes a difference whether someone is well-paid employee is in the PKV, as a civil servant or as a self-employed person. It also depends on how much ultimately has to be paid for the tariff of the child or children.

Health insurance: children of employees

In principle, employees share their own health insurance costs with their employer. This also applies to privately insured employees. These received from Employer a grant. The amount of the grant is capped in two ways. The grant is up first 50 percent of the insurance premium limited. The employer does not assume a larger share of the contribution. Second, the employer’s share is also based on statutory health insurance. Here, too, employees and employers share the contribution, but can only do so for the latter 367.97 euros (as of 2020) attack. And this limit is also transferred to the private health insurance. In no case do employers make a larger contribution.

The subsidy applies not only to the employee’s own insurance, but also to their children. So if an employee needs to insure their children privately, they can do so too Rates be subsidized by the employer. However, all tariffs are summarized. The employer therefore does not pay 50 percent of the employee’s wage contribution and another 50 percent of the insured child’s contribution, and so on. Rather, all insurance policies are summarized. The employer then takes over Half of all aggregated insurance premiums, that arise for an employee and his children – up to a maximum of 367.97 euros.

Children of officials

Civil servants can also cover their health costs with the employer, i.e. the individual Employer (federal, state), divide. This subsidy covers a large part of the contribution costs. Specifically, the employer takes over between 50 and 80 percent of insurance premiums an official. This also includes contributions for the children of an official.

The allowance pays 80 percent of the insurance premiums paid to children of civil servants. This means that private health insurance only has to be taken out for the rest of the amount – 20 percent. Such supplementary tariffs are also significantly cheaper than those that are not supplemented by an allowance. But it also plays a role for the police officer himself whether and how many children he has. In this way, officials who have no or only one child receive the Aid of at least 50 percent. Officials who have more than one child get 70 percent, so they only have to take out a policy covering 30 percent of the health costs.

The allowance pays 80 percent of the insurance premiums that for children incurred by officials. This means that private health insurance only has to be taken out for the rest of the amount – 20 percent. Such supplementary tariffs are also significantly cheaper than those that are not supplemented by an allowance. But it also plays a role for the police officer himself whether and how many children he has. In this way, officials who have no or only one child receive the Aid of at least 50 percent. Officials who have more than one child get 70 percent, so they only have to take out a policy covering 30 percent of the health costs.

Self-employed with a child

Get a freelancer none of these perks for the insurance of their children. You bear the full cost of private health insurance yourself. Self-employed persons with several children in particular should therefore carefully consider whether they want to switch to private health insurance or whether voluntary membership in statutory health insurance may be the better decision is.

Private health insurance: use the child tariff

Regardless of whether you are a civil servant, an employee or a freelancer, as a rule your own children must also have private health insurance. Child or children can then use special Child and youth tariffs be insured. After all, these are generally significantly cheaper than the regular tariffs.

There are several reasons for this. For one thing, children are comparative cheap patients, who rarely need to see specialists and need expensive medication. In addition, in the children’s tariffs still no retirement provisions formed to offset higher costs in old age. This cost point does not apply until your own children are 21 years old. Only from this point in time would retirement provisions be created. How much then has to be invested in private health insurance for children depends on the child’s medical risk and the age of entry. As a rule, as with adult parents, there is one health check necessary.

Comparison of children’s tariffs

If you want to insure your child’s private health insurance, you should first check whether you are receiving a subsidy from the employer or whether you are entitled to benefits from the employer. On the other hand, it is important to find a suitable child or youth tariff for your own child. A suitable tariff can be found by comparing the private insurers.