Private health insurance does not prematurely terminate once privately insured, always privately insured. Stubbornly the myth holds, that privately insured can go back only with difficulty in the statutory health insurance. For this reason, some insurance in the face of the uncertain labour market from a private health insurance (PKV) cringe. Private-krankenversicherung.de online portal informs about options for action, when unemployment threatens. Unlike in the United States the mandatory health insurance in the German Act is anchored. Therefore the statutory insurance cover automatically jumps, if insured through the loss of employment are no longer able to pay their contributions to the car. Concerned however completely come out of the car, they lose their eligibility for the retirement reserves saved up to that point. Is anticipated that unemployment will not exceed a period of two years, shut down their contract can be insured.
You pay no contributions, and also that in this time Information about health status will be frozen. It is then a so-called Ruhensversicherung”. Insurance cases occur during this time however, the policyholder receives no benefits. After expiry of the two years there is the possibility of a qualifying insurance”to agree. It entitles sufferers to the later recovery of insurance. For this they pay a fee depending on the kind of entitlement, (small or large) varies roughly between 5 and 25 per cent of the originally paid contribution. Another alternative is the exemption from compulsory insurance. Such a request must be however not later than three months prior to unemployment.
In addition the people may have been not legally insured in the last five years. Request for exemption is granted, the employment agency takes over the costs in the amount of the statutory compulsory insurance. The insured person pays the difference between the agreed monthly premium. For more information: News.private-Krankenversicherung.de/…/ unemployment or – stay abroad…