Accordingly, the minimum contribution is 148.54 euros

Accordingly, the minimum contribution is 148.54 euros

Unemployed people who receive unemployment benefit I or II remain in the statutory health insurance if they were previously legally insured.

Even those who do not work but do not receive any services from the employment agency or job center can, if necessary, take out voluntary insurance: The minimum contribution for membership in a statutory health insurance is currently around 155 euros.

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This applies to privately insured persons who are unemployed

It is different if you were privately insured before you became unemployed. Then you have to decide whether you want to switch to statutory health insurance or stay with private health insurance (see below).

This question also depends on age: If you are over 55 years old, you must remain with private health insurance. If you are younger than 55 and register as unemployed, you have to take out statutory insurance while you are unemployed. You can, however, be exempted from this compulsory insurance if you have been privately insured throughout the five years preceding your unemployment.

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You have three months from the first receipt of your unemployment benefit to apply for exemption from compulsory insurance. You submit the application to a statutory health insurance company.

If, however, you can be exempted, you must remain in private health insurance for the entire duration of your unemployment. The employment agency only pays the costs that would arise if you were legally insured.

Obtaining compulsory insurance with a spouse also works

Alternatively, you could switch to statutory health insurance and at the same time take out benefit insurance with private health insurance. In this way you can switch back to private health insurance at the same conditions at a later point in time.

Another possibility: As long as there is little or no income, you could possibly have compulsory insurance with your statutory spouse. If you receive unemployment benefit II and were previously privately insured, then you must remain in private health insurance. 

How long will I still have health insurance after I have given notice?

The following applies in principle: After you have given notice, you will remain insured with the statutory health insurance for one month even without paying a premium. The Employment Agency pays from the second month – even if you have a three-month blocking period, for example because you have given notice or terminated yourself. 

If you receive a severance payment, you usually have to take over health insurance yourself until the employment agency begins to provide services. With private health insurance, the costs continue as long as you do not cancel the insurance. If necessary, you may have to bear the costs yourself until you start drawing benefits, or you may then cancel retrospectively and switch to statutory health insurance. 

Who pays the health insurance with ALG I?

The employment agency will do this for you. From the second month onwards, she bears the cost of statutory health insurance. If you should opt for an exemption from compulsory insurance in order to remain in private health insurance, the employment agency pays the same amount that it would have to pay to a statutory health insurance company. 

The agency transfers the money directly to the private health insurance company. If the amount is not enough to cover your contribution, you will have to pay the difference yourself.

If necessary, it can then make sense to switch to a cheaper private health insurance tariff. The basic tariff corresponds to statutory health insurance in terms of costs and benefits. 

Who pays for Hartz IV health insurance?

If you receive unemployment benefit II and are legally insured, the job center will cover the costs of statutory health insurance. If you were privately insured prior to drawing ALG II, then you should continue to have private health insurance.argumentative essay examples The subsidy for private health insurance amounts to a maximum of half of the so-called basic tariff.

In 2020, the maximum allowance for private health insurance is 367.97 euros per month. If you switch to the basic rate of private health insurance, you will not incur any additional costs. If you stay in the previous tariff, you will have to pay the excess contribution yourself. 

Who pays the health insurance during the blocking period?

During the blocking period, both private and statutory health insurance will continue to run. Employment agency and job center take over the contributions of the statutory health insurance from the beginning of the benefit receipt or from the second month of the blocking period. Statutory health insurance continues for a month without paying contributions until the employment agency or job center take over. 

Privately insured persons automatically switch to statutory health insurance, but can be exempted if they wish and remain in private health insurance. In order to avoid additional costs, it is advisable to switch to the basic tariff of private health insurance.

This roughly corresponds to the range of services provided by the statutory health insurance. However, private health insurance always has to be paid for – even without benefits.

What does statutory health insurance cost without income?

The contribution for the statutory health insurance is always charged as a percentage and is based on the gross income. However, those who have no income do not have to pay the reduced contribution rate of 14 percent from zero and are thus insured free of charge. 

The fictitious minimum income of 1,061.69 euros (as of 2020) is used to calculate the minimum contribution. Accordingly, the minimum contribution is 148.54 euros. If the fund raises an additional contribution of, for example, 1.1 percent, the minimum contribution increases to 160.21 euros. In addition, there is a further 35.04 euros for long-term care insurance. However, those who receive social benefits do not have to bear the costs themselves – in this case the job center pays the fees. 

What applies if I had private health insurance before I became unemployed? 

With the onset of unemployment, those previously privately insured automatically become compulsory for statutory health insurance. However, from the start of receiving unemployment benefit I, you have the option of submitting an application for an exemption from compulsory insurance and thus remaining in private health insurance for three months.

You must submit the application to a statutory health insurance company. The situation is different for recipients of ALG II (Hartz IV) – they remain in private health insurance. As well as unemployed people who are already 55 years old.

Is it worth changing funds for the unemployed?

A change of insurance company can be worthwhile if you are dissatisfied with your own health insurance company for whatever reason, or if you want to take advantage of special additional services that your own insurance company does not offer.

Even if you prefer to switch to a fund that does not charge an additional fee and is therefore cheaper, it can be worthwhile. 

Is it possible to switch from private health insurance to statutory health insurance?

Switching from private health insurance to statutory health insurance is possible if you are receiving unemployment benefit I. You will then automatically be classified in the statutory health insurance – at least if you are younger than 55 years.

A change is not possible from the age of 55. This also applies if you receive ALG II directly when you become unemployed. Then you also stay in private health insurance. In order to save costs, it may be advisable to switch to the basic tariff of private health insurance.

Unemployed after studying or training: How am I insured?

During their studies, students have health insurance through their parents. After completing their studies, students should check their insurance status immediately – preferably beforehand.

Weighing up the benefits carefully: For whom is additional insurance worthwhile? Compulsory health insurance: How you are insured without your own income Important digits: Here you can find the social security number

Under certain circumstances, further insurance in the family insurance is possible. If you apply for ALG II after completing your studies, the job center pays the contributions for statutory health insurance or the basic rate for private health insurance.

Without a benefit, students must continue to insure themselves voluntarily. In any case, the changed status must be reported to the respective insurance company and a solution must be sought.

Sources used: Own researchCall to the association of private health insurance financescout24.deTechniker KrankenkasseBundesagentur für Arbeitskrankenkasseninfo.delohnsteuer-compact.deshow more sources less sources

Erasmus students, au pairs or expats usually travel abroad for several months. Uncertainty remains in the corona crisis. What should you consider before going abroad for a long time?

overview

Does the insurance offer all the necessary benefits for a stay abroad? Are diseases caused by pandemics also insured? Are previous illnesses included? Are there exceptions? How is the Assistance structured with my insurer? Is the insurance limited to a period of time? Is it possible to continue insurance after five years? Can you take out or extend the insurance if you are already abroad? How stable are the insurance premiums ? Do I have to pay in advance for visits to the doctor or at the pharmacy? What happens in the event of natural disasters? Is there emergency travel insurance for other countries?

Border closings, travel restrictions and quarantine measures: Due to the corona pandemic, many had to postpone their long-planned stay abroad or could not even begin. Even if many borders are now reopening, there remains uncertainty, especially with regard to insurance coverage.

"PassportCard" is considered a specialist in international health insurance and has put together the most important questions you should ask yourself. 

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Does the insurance offer all the necessary benefits for a stay abroad?

The demands on international health insurance are very individual depending on the reason for the stay abroad – the desired benefits also differ accordingly. It is therefore important to think about which insurance will cover the necessary benefits for a long-term stay in advance.

Are diseases caused by pandemics also insured?

The corona crisis has shown how important it is to be insured against a pandemic. Of course, this has become even more important when planning longer stays abroad. You should therefore definitely check whether your insurance also includes a pandemic. 

Are previous illnesses included? Are there any exceptions?

The risk groups for the coronavirus mainly include people with previous illnesses. Heart or circulatory problems, cancer or even AIDS are often not included in the insurance because they can cause high costs.

You should therefore make sure that the insurance cover also includes diseases that may not have been diagnosed yet, but of which you have already noticed symptoms. 

How is the assistance set up with my insurer?

The assistance of your insurance company is especially important in emergencies. It then organizes ambulance transports, for example – even across national borders. You should make sure that you find an insurer with in-house assistance. They can then be reached at any time and can make decisions and help you. 

Is the insurance limited to a period of time?

Most insurances for longer stays abroad are taken out for one to a maximum of five years. This is how insurers want to prevent long-term costs. With some insurance companies you can extend the period with an application – at the same time you can also terminate early with many providers if you should interrupt your stay abroad. 

Is it possible to continue insurance after five years?

If you are planning a particularly long stay abroad over more than five years, you can in many cases take out your insurance for longer than this period. The prerequisite is often that you have not incurred high costs. Often, however, existing diseases and their treatment are no longer taken into account, but rather excluded from the extension. 

Can you take out or extend the insurance if you are already abroad?

You should do your research beforehand, especially on this point, and read the fine print. Because not all insurers offer this option. 

How stable are the insurance premiums?

With international health insurance, it’s not uncommon for premiums to increase by more than 100 percent. This is especially true when the tariffs are cheap. Large amounts of damage caused within a year increase the pressure to adjust premiums. 

Do I have to pay in advance when I visit a doctor or go to the pharmacy?

Yes, this is the case with almost all insurers. Some offer a kind of prepaid system. You should definitely check with your provider in advance. 

Some services are subject to specific service restrictions that "per insurance year", "for lifetime" or "per event", such as per pregnancy, per dental treatment or per visual aid, can be used.