From birth, each child has to take out private insurance in the private health insurance and pay monthly contributions. In this point, the PKV differs from the non-contributory family insurance of the statutory health insurance companies. However, this doesn’t have to be a disadvantage. On the contrary: the children’s tariffs are significantly cheaper than those for adults and also offer more extensive medical coverage.
Here you can read what costs as parents you have to expect for your child’s private health insurance contributions, which benefits include good tariffs and all sorts of interesting facts about children’s private health insurance.
What does a child cost in the private health insurance??
The amount of the PKV contribution for children depends on the desired benefits and the scope of the insurance cover. Average and always dependent on the scope of services the monthly contributions between 80 and 160 euros and more. In general, children are very affordable patients and – from the perspective of the PKV provider – health insurance members. Except for the preventive examinations, there are hardly any costs compared to adult insured persons who regularly go to the specialist or take medication.
Why private health insurance is cheaper for children is due to the following factors:
- thanks to contract You do not pay any supplements regardless of your health if you insure your child with your provider directly from birth
- No aging provisions have yet been recognized
- There is no statutory surcharge
- Contributions to long-term care insurance are usually included
- Possible employer grants depending on the insurance status of the parents (employed, self-employed, civil servant)
A contract is mandatory for newborns in the PKV. That means nothing other than that the insurer has to take in the baby even then, if there is a health defect from birth. The insurer may not take risk supplements or a Health issues, a health check is carried out to determine whether the applicant can take out private health insurance (PKV). This health check allows an application to be rejected directly or leads to risk surcharges, i.e. the state of health of the applicant is decisive >Request a health exam that may result in the rejection of the insurance application. It is important in this context that the parents register the child up to two months after the birth.
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The private health insurance companies must From the start of private health insurance, insured persons not only pay a risk contribution for the insurance benefits, but also a savings contribution, which is accumulated as interest accrued interest. In the private health insurance, this savings contribution, like the risk surcharge, is based on gender, age of entry, the chosen tariff and the state of health. The aging provisions are used by private health insurance to finance medical costs in old age because with the as the age increases, so does the risk of illness and thus the cost. To ensure that the higher costs do not lead to higher contributions, the retirement provisions are later used as premium income. Compared to private health insurance, the statutory health insurance does not set up any retirement provisions because it is financed using the pay-as-you-go system. The provisions for old age are a decisive factor >Age provisions only form from the age of 21. In addition to the cheaper premiums, it has the decisive advantage that privately insured children and adolescents do not have to fear financial loss if they change providers or if they (have to) take out legal insurance for their training.
There are discounts for private health insurance contributions for children for certain groups: For civil servants, who are usually privately insured, the additional costs for the child’s insurance due to the state aid are significantly lower. Freelancers and entrepreneurs, on the other hand, bear the full amount of the premium for their children, while salaried employeesThe employer must pay a health insurance subsidy for each employee, regardless of whether the employee is insured under statutory or private health insurance. The subsidy for private health insurance is linked to the subsidy for statutory health insurance and is based on the contribution ceiling. This employer subsidy also applies to co-insured children or spouses if a claim also includes family insurance in accordance with §10 SGB V exists. The employer’s allowance is 50% of the contribution that the employee pays for his private health insurance. For a grant, it is necessary that the benefits of private health insurance correspond to those of statutory health insurance. " data-tipposition ="tipright"data-tipmaxw >Receive employer grant.
What does a child cost in private health insurance? Here you will find important considerations regarding the private health insurance contributions for children for the different starting situations, independently and as a civil servant:
employee receive a statutory employer subsidy for the contributions to the private health insurance, which can also be used for the children. The amount of the employer’s allowance is a maximum of half of the contribution and also has an upper limit, which is based on the contributions that the insured person would receive as a employer’s share as a legally insured person. In 2018 the total subsidy is limited to the maximum contribution of the employer subsidy of EUR 323.03. The employee has to pay for anything beyond that. If the insurance is cheaper, the employer’s allowance can be used for the children’s private health insurance contributions.
self-employed do not receive any employer grants and have to generate all of their private health insurance contributions themselves. The private health insurance contributions for the children must also be fully self-financed, which requires a correspondingly high and continuous income. Therefore, self-employed persons with a family should check carefully and calculate whether a free family insurance in the GKV or experience that is far cheaper in the private health insurance company is preferable.
Officer receive a subsidy for their health insurance contributions from their employer in the form of civil servants who are not subject to health insurance and are therefore entitled to the employer to benefit from medical expenses in the amount of a certain percentage of the eligible expenses. The employer contributes to the medical expenses of his civil servants to the extent of the duty of care. It is a self-sufficient welfare system that is intended to support the self-provision of civil servants. Officials are reimbursed 50% -80% of the medical expenses by the competent aid office, children and spouses are also entitled to benefits under certain conditions. Covering the remaining 20% -50% in private health insurance is usually possible more cheaply, since statutory health insurance charges contributions based on income. The opening clause also enables civil servants with previous illnesses such as cancer, herniated discs or diabetes to have private health insurance. The regulation of aid claims is subject to the financial sovereignty of the federal states for state officials and the federal government for federal officials. Private health insurance has developed special percentages for this target group to cover the medical costs not covered by the subsidy." data-tipposition ="tipright"data-tipmaxw >Aid. If at least one parent is entitled to benefits, a large part of the health insurance costs for the offspring are also borne by the benefit – for children, the percentage is usually even higher, depending on the federal state, at 70 or 80 percent and only a comparatively small proportion of the costs have to be covered by private health insurance secured, which consequently minimizes the premiums for it.
Lower contributions through a deductible
In order to keep the contributions for your children as low as possible, it can make sense to agree a deductible. The monthly contributions are reduced in line with the amount of the deductible. Because children, in contrast to adults, for example, for preventive examinations (U examinations) or also
Serve to prevent infectious diseases. The reimbursement is based on the tariff chosen. In most tariffs, vaccinations are taken on as recommended by the STIKO (permanent vaccination committee), but travel or occupational medical vaccinations are less common.
" data-tipposition ="tipright"data-tipmaxw >Vaccinations regularly to the doctor, there are also reliable costs and the amount of the contractually agreed deductible is reached more quickly. Another good option to reduce your private health insurance contributions is the internal tariff change. Here you can switch to a cheaper tariff from your insurer without losing your retirement provisions. Here you can get non-binding advice.
How well is my child insured in the private health insurance??
Children have demonstrably different health insurance needs and requirements. This applies, for example, to the benefits for The term dentures is abbreviated ZE in the field of private health insurance and stands for the replacement of missing natural teeth in any form." data-tipposition ="tipright"data-tipmaxw >Dentures that are naturally not as relevant. Here, more emphasis should be placed on a generous assumption of costs for orthodontic measures or on outpatient services. Good private health insurance companies cover the costs even if the teeth are only slightly deformed. In these cases, the statutory health insurance usually does not pay anything.
In principle, it can be said that children with private health insurance usually enjoy more comprehensive health protection compared to the benefits provided by the statutory health insurers: Most tariffs offer free choice of hospital and doctor, so that you can present your child to specialists at any time. Private patients – regardless of whether they are adults or children – are proven to get an appointment with specialists faster
The good thing about private health insurance is that you can choose the tariffs according to your wishes and requirements. For example, if it is important to you that services in the field of alternative practitioners are experts in the fields of naturopathy, folk medicine and alternative medicine. They supplement the medical offer in Germany with alternative medicine and may carry out treatments and therapies. Permission to practice the profession as an alternative practitioner is granted if the alternative practitioner examination is successfully passed, although one does not have to be appointed as a doctor. Billing takes place via a separate schedule of fees for naturopaths. Most private health insurance tariffs reimburse the costs of outpatient treatment by the naturopath. A resident doctor with the addition of naturopathy can also be an alternative." data-tipposition ="tipright"data-tipmaxw >Alternative practitioners and natural medicine are included, then ask for appropriate tariffs or make additional agreements with your private health insurance.
Incidentally, these conditions apply to birth children and equally to adopted children.
How does the application process work??
Newborn insurance, which is also called child supplementary insurance if it is to exist with the same provider of the parents, does not happen automatically. To do this, the parents must submit an application to their insurer retrospectively no later than two months after the birth. To register, it is sufficient to submit a corresponding application (or registration), which most insurance companies on their websites as On-line-Offer forms. Alternatively, you can talk to an insurance expert in person. Experience shows that if your child’s insurance coverage is no more comprehensive than that of the parents, the health check is not applicable. In principle, insurance registration starts retrospectively from the date of birth if you register on time.
It may be possible that you register your child with another private health insurer. An application must also be made for this. In most cases, a copy of the examination results and, if necessary, copies from the yellow examination booklet is required, on the basis of which the insurance’s risk assessor recognizes that the child has no impairments and therefore special risks. Since in most cases the discounted reinsurance conditions do not apply here she with expect higher private health insurance contributions for your child.
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