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Which health insurance companies reduce their premiums? Change insurance now and save

Which health insurance companies reduce their premiums? Change insurance now and save


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Numerous statutory health insurance companies have reduced their contributions

With the beginning of the new year, not only did a new regulation of additional health insurance contributions come into force, but numerous statutory health insurance funds also lowered their contribution rate on January 1. In some cases, changing the till can save a few hundred euros a year.

Additional contributions are now shared

There have been far-reaching changes in healthcare at the beginning of the year. One of them is the new regulation of additional health insurance contributions. Since January 1, 2019, the additional contributions accruing to the statutory health insurance funds have been shared between employees and employers. So far, the insured had to bear these costs alone. In addition, several statutory health insurers have lowered their contribution rate. A change of cash register can often save a few hundred euros a year.

Almost a third of the health insurers have reduced the contribution rate

As the Stiftung Warentest reports in a communication, a total of 24 of the 81 cash registers that have been opened for all cash registers have lowered their contribution rate.

For example, the TK reduced their contribution from 15.5 to 15.3 percent, the AOK Rhineland / Hamburg from 16.0 to 15.7 percent, the AOK Baden-Württemberg and the AOK Hessen from 15.6 to 15.5 percent .

According to the information, Securvita BKK has reduced the contribution the most from 16.3 to 15.7 percent.

Save several hundred euros a year

If you switch from an expensive till to a cheaper one, you can save several hundred euros a year.

As the Stiftung Warentest explains on its website, the savings depend on the income in addition to the specific contribution rate.

If someone earns 3,000 euros gross per month, a switch to a fund, the contribution rate of which is one percent cheaper, saves around 180 euros a year. High-earning employees even save around 270 euros a year.

The range of additional services differs

However, anyone who is satisfied with their health insurance should not only look at the contribution. Often, savings can also be made if the cash register takes on the extra services required - for example, for a medically prescribed osteopathy or a subsidy for professional tooth cleaning.

However, the range of additional services differs from cash register to cash register. A health insurance comparison can also be worthwhile when it comes to the extra benefits, because this is often a lot of money.

This is the case, for example, with fertility treatment (artificial insemination).

Which health insurance company charges which contribution rate and which additional benefits are paid by which insurance fund can be called up on the website of the Stiftung Warentest for a fee.

There are also other extras such as travel vaccinations, additional check-ups or teeth cleaning. If your own cash register pays nothing or only a small amount for the desired extras, a cash register change can be worthwhile.

For example, a number of health insurance companies pay grants for health courses (such as yoga and Pilates) and also for health trips if there is no time for regular courses at the place of residence. (ad)

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