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Higher health insurance contributions: save several hundred euros by switching

Higher health insurance contributions: save several hundred euros by switching


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Many health insurance companies will be more expensive from 2020: Switching can be worthwhile

Numerous statutory health insurance companies increased their contribution rate at the start of the year. Some policyholders can save several hundred euros a year when changing their insurance. But those who are satisfied with their cash register should not only look at the post.

The Federal Ministry of Health (BMG) announced a few months ago that the average supplementary health insurance contribution will increase in 2020. It is now clear that several statutory health insurance funds have increased their contribution rate at the turn of the year, two have reduced it, including a large one. The Stiftung Warentest reports.

Many health insurance companies leave their contribution rate unchanged

As the Stiftung Warentest writes in a message, a large number of health insurance companies initially leave their contribution rate for 2020 unchanged.

For example, the Techniker Krankenkasse (TK) and Barmer had announced weeks ago that their contribution rates would remain stable in 2020.

However, 18 of the cash registers open to everyone increased their contribution rate at the turn of the year - most of them are regional company cash registers.

Debeka BKK, on ​​the other hand, reduced the additional contribution from 0.8 to 0.7 percent. And according to the Stiftung Warentest 2020, the AOK Saxony-Anhalt completely waives an additional contribution.

Additional contributions can be set individually by each health insurance company

The additional contribution is the part of the total contribution rate that each fund can set individually. It comes in addition to the general contribution rate of 14.6 percent, which is the same for all health insurance companies.

Expensive health insurers therefore have a higher additional contribution than cheaper health insurers. The database of the Stiftung Warentest shows how high the current contribution rates of 73 of the currently 78 generally open cash registers are.

The database can be activated for a fee on the website of Warentest.

Money can also be saved by the desired extra services

As the foundation writes, people who switch from an expensive till to a cheaper one can save several hundred euros in contributions per year. In addition to the contribution rate of the fund, the savings also depend on income.

For example, if you earn EUR 3,000 gross per month and switch from an expensive health insurance company to the cheapest in Germany, you save almost EUR 200 a year, and very well-paid employees more than EUR 300.

But: “Those who are satisfied with their cash register should not only look at the contribution. Often, savings can also be made if the health insurance company takes on the desired extra services - for example, grants for medically prescribed osteopathy or professional tooth cleaning, ”writes the Stiftung Warentest. (ad)

Author and source information

This text corresponds to the specifications of the medical literature, medical guidelines and current studies and has been checked by medical doctors.

Swell:

  • Stiftung Warentest: Health insurance comparison: The best statutory health insurance for you, (retrieval: 04.01.2020), Stiftung Warentest
  • Federal Ministry of Health: Average SHI supplementary contribution rate will increase moderately next year, (accessed: January 4, 2020), Federal Ministry of Health
  • Techniker Krankenkasse: Additional contribution from Techniker Krankenkasse remains stable, (call: 04.01.2020), Techniker Krankenkasse
  • Barmer: BARMER Board of Directors: Contribution rate remains stable for the fourth time, (accessed: January 4, 2020), Barmer



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