Wednesday, November 19, 2008

PKV: basic fare comes from 2009

The base fare must be signed by each private insurance company from January 2009 are offered. With the collective benefits are covered, where the statutory health insurance (GKV) correspond. The previously existing standard tariff will be transferred to the base fare.

For the basic tariff will be the usual industry rules in force: There is a compulsion for the adoption of insurance companies, ie Interested parties should not be rejected. The risk compensation, i.e. More charges, which arise through history, through all the basic fare of the entire private health insurance companies.

PKV for already-insured consists January to June 2009 the option in the base fare of any insurance company to change. After the change in the basic rate of private health insurance, the minimum retention period of 18 months.
After 18 months of this inventory can be a customer in a Full checkout switch.

In addition, an insured a base fare Treaty to conclude another undertaking. Other possibilities Exchange under the portability provisions are aging but then excluded. The insurance industry defends itself against the rules to the base fare. Currently there are complaints by almost all insurance companies are pending before the Federal Constitutional Court.

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