Many privately Insured is likely to annoy this message: How the private health insurance industry Association recently reported, are barely affected and half of the 8.6 million Insured in the coming year of contribution increases.
Although the average cost Increases were in the low single-digit percentage range, however, increases the burden for some customers was considerably more drastic. Concerned must, in individual cases, on a monthly basis considerably over a hundred Euro more for your insurance protection on the table. Display Now free quotes for your private health insurance get and compare!
Weak financial ceiling Insured points to premium increases in the private health insurance go
PKV will therefore do well to inform themselves about the financial strength and reserves for their insurance. So a weak financial resources may indicate long-term increases in contributions. The sound is a provider stands on the other hand, the more he can keep the contributions for its customers at a stable level.
The independent company Zielke Research Consult, and the Federal government of the Insured e. V. (BdV) in this context, a view into the legally prescribed solvency reports of PKV-vendors thrown in. In them, the financial position of the company is represented.
The pure solvency ratio in these Reports should be according to critics, over 100 percent. Otherwise, the insurer only with the help of technical provisions in the location of losses within the next year to compensate. In this case, would intervene overseer of the financial Supervisory authority (Bafin). In the case of the solvency ratio extremes in the rate of break-ins in the capital market, changes in the life expectancy, as well as the cancellation behavior played by the Insured.
these are the winners and losers
the result of The comparison of different vendors: Twelve corporations (or 13 health insurers) have a solvency ratio, which the authors of the study deem to be inappropriate. For the customers of these providers and more costs that go over the “medical Inflation” are, in the next three to four years, probably. In the case of a further twelve companies, the premium adjustments are, however, probably similar to the cost increases in the health sector, while in the case of 14 companies with a premium stability.
on average, the results show that the pure solvency ratio in the year 2018 has declined by 15 percentage points compared to the year-on-year to 531 per cent. The comprehensive results compiled by Zielke on the website www.check-deine-versicherung.de .
There was the slightest solvency is listed quota for the New life personal accident insurance with 139 percent. The best provider of Free doctor and medicine Fund are, however, with 989 percent, the country is sick, the help is still on 937 percent, and Universa to 834 percent. Behind it is the R+V ranked with 822 percent. According to Zielke, R+V was able to increase its solvency ratio to 2017 in addition, the most. In 2017, the rate was 550 percent.
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compared to the previous year, the League reported a solvency ratio of 296 per cent (In the year 2017 536 percent), however, in percentage terms, the largest decline. Absolutely, the rate dropped most distinctly in the case of the süddeutsche Zeitung (of 931 percent to 635 percent).
losers:
Zielke Research Consult
winners:
Zielke Research Consult
Neutral:
Zielke Research Consult
contribution jumps are all that stand in criticism
The private health insurance is already for a long time due to the extreme contribution from jumps in the criticism. As a trigger for interest-rate environment and the medical progress shall apply, in particular, the Low.
However, legal rules exert pressure on prices. As a result, the PKV is allowed to increase only to later posts – and that is when the leap in performance issues a certain threshold exceeds. The PKV is therefore in favour of a scheme which would bring a more consistent contribution to development. Quick and tasty: baking cookies with only three ingredients PCP Quick and tasty: baking cookies with only three ingredients.
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