Health insurance: premiums are tempting to switch

Forsa survey: 14 percent of the members of the health insurance company would change their health insurance if they were to receive a premium

Few change their statutory health insurance because, firstly, no health insurance company charges an additional contribution and secondly, the health services offered hardly differ apart from a few nuances. However, because some health insurance companies have announced that they will participate in the billions in bills in the form of a bonus, millions of insured people in Germany are considering changing their health insurance funds, according to a recent survey by the opinion and research institute "Forsa".

Apparently, the prospect of a premium payment is a sustainable reason to change health insurance. According to a representative survey by the Forsa Institute on behalf of the "Stern" magazine, 14 percent of all members of the health insurance companies surveyed would change their current statutory health insurance if the new health insurance company paid a premium.

Seven million potential changers
Around 54 million German Germans are currently insured with a statutory health insurance company. With a share of 14 percent, the equivalent of around seven million health insurance patients would switch health insurance if they were to receive a premium.

In the past week, Germany's second largest health insurance fund, Techniker Krankenkasse (TK), announced that it would pay out a premium to the insured in early 2012. Although no concrete sum has yet been mentioned, industry experts assume that “more than 100 euros will be distributed to the members”.

New members can also take part in this offer if they switch to TK later this year. Around six million people are currently insured in the TC. "The fund wants to use this to advertise new members," says Tobias Schmidt, a health insurance expert from Hanover. Schmidt assumes that other health insurance companies will submit similar offers in the coming weeks.

In addition, the Hanseatische Krankenkasse (HEK) and a number of smaller company health insurance companies have announced that their members will participate in the surpluses generated. According to unconfirmed information, the distributions here should be between 50 and 100 euros. A total of 19 of the 145 health insurers want to make special payments. The majority of the health insurance representatives, on the other hand, are in favor of expanding the range of health services. (sb)

Read on:
19 health insurance companies want to pay a premium
A few health insurance companies want to reimburse contributions
Bavaria: More money for doctors and clinics
Second health insurance company decides premium
Techniker Krankenkasse pays premiums
Dispute over high surpluses of the health insurance companies

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