With the introduction of unisex premiums for private health insurance (PHI), the contributions of male private patients as compared to rise significantly. Industry experts believe that the "moving mass" will be approximately 30 percent. However, most insurers keep covered and advertise with the first date, to sell as many old contracts. Potential new customers should act carefully considered.
On all sides it is emblazoned in big letters: "Now quickly conclude an insurance contract before the deadline." For the 21st December 2012 private health insurance providers may not sell more gender contracts. In fact, the contracts for men in 2013 are much more expensive. If you plan anyway, to go into the private fund and also a man should, therefore, be decided on time. How warn the consumer centers but, "The time for studying and comparing the fine print should be willing to take every change, even though the sector is looking for a quick conclusion." "For insurers love deadlines for new clients to put under time pressure." men pay for women with future before the European Court issued a complaint. Were denounced the unequal treaties between men and women. Because women on average live seven years longer, more frequent visits to the doctor and get pregnant, she had to pay more for their private health insurance. This handle was however collected by the EU court. The European Commission decided that a few years ago a new regulation. In Germany, the statutory provisions shall apply from 21 December 2012. From this point, men and women are treated equally, which means that the contracts have been awarded now gender neutral. But because the insurance provider not align the woman Insurance men but choose the opposite path, the men fares are much more expensive. "I go from tariff adjustment of 30 per cent," says Steffen Neubert, insurance expert from Hanover. To those same percentage of private insurance for women on average were more expensive. Existing Altkundenverträge are moreover not changed despite new laws regulations. Lawmakers are now available that gender will no longer be discriminated against. This means in reality that the men have to pay health risks such as the risk-section birth and life of women. This means that for women, the tariffs will decrease in principle. "The result will not be very strong, because a rotational basis at the turn of the tariffs to be adjusted," said Neubert. However, the industry was already announce that this year the rate adjustments will not be as severe as in previous years. Because the insurers want to gradually abandon the so-called bait advertising. The airline offers had recently caused much criticism, simply because those rates rose most clearly and caused negative press. A change despite the deadline should be considered carefully Plant a young gutverdienender and single man to change from the statutory health insurance to private health insurance, Sun is urgent. The same applies to insured persons who play because of the price increases with the idea to change a tariff within the insurance company. By the deadline yet all the old tariff are open. complicating factor is that the insurance companies have a period of notice. In general, these two months. So it can happen that some will be for a while insured twice to bypass unisex rates. "Some private funds offer a so-called defined benefit insurance. This means that the contract for the period of double insurance exists no health benefits and is active only when the insurance ends at the health insurance, "says Neubert. So it's worth, the insurer in the contract to the new opportunity and look for denials to another provider. Still, the new prices of unisex rates is unknown , potential customers should consider a change well, warn the experts from Morgen & Morgen. Rash contracts can later create serious consequences. Who, for example, have to leave the Social Security may, in very rare cases only way to switch back. "Basically, when buying insurance always be the priority: Do I need this insurance principle," says Stephan Schinnenburg, CEO of Morgen & Morgen against the magazine "Focus". Generally, interested parties should be based on the "sale-panics" not be pushed to a speedy conclusion. has in its databases "Tomorrow & Tomorrow" already entered the new prices for the coming year. Prices are valid for new customers now known rates. Independent analysts, however, assume that these are not comparable one to one with the old rates are, because most private health insurance providers will not change the terms and benefits packages. According Schinnenburg but want the health benefits are generally better, the result would have conversations with individual insurers.
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