What does private health insurance cost for employees with an annual income above the annual income threshold (JAEG)?? In voluntary statutory health insurance, health insurance contributions are calculated according to income. As an employee with an income above the annual income limit(JAEG) you always pay the maximum rate. You can usually get cheaper private health insurance, where your monthly premium is calculated according to your entry age, state of health, profession and gender.
1. This is how much you pay as an employee with an income above the JAEG in the voluntary statutory health insurance
As an employee with an income above the annual income limit (JAEG), you always pay the maximum rate in the statutory health insurance funds.
This is currently 575.44 euros. Less the employer's contribution, you have to pay 304.42 euros per month yourself. For this you have only the usual benefits of a statutory health insurance insured. You must also take out additional insurance and pay for additional benefits without your employer participating. If your health insurance company levies an additional contribution, you must bear this alone in any case. Your employer is not obliged to contribute to it.
2. The sooner you opt for private health insurance, the lower your premiums will be
In private health insurance, you save up an age reserve over the years of membership. This serves to secure the contributions in old age. If you start early with a membership in the private health insurance, you have of course a lot of time for the savings phase and receive favorable contributions. A difference of just 5 years in the age at which you join can make a difference to you.
So decide early for private health insurance. If you are no longer subject to compulsory insurance because your income has risen above the annual income limit, you can immediately opt for private health insurance.
Price examples: PKV costs for employees between 25 and 30 years of age
3. You would like to have the better benefits of private health insurance despite your advanced age?
Then you do. Even if you are no longer one of the youngest, a switch to private health insurance is still worthwhile. As an employee with an income above the annual income threshold, your health is certainly a matter of particular concern to you, because your health is your greatest asset. Then the private health insurance offers you extensive achievements, in order to receive your health optimally.
Price examples: PKV costs for employees between 35 and 40 years of age
Even with premium protection, which includes exclusive benefits, you are still cheaper in private health insurance than in the voluntary insurance of a statutory health insurance company.
4. Even if you are already a little older, you want to insure your health optimally
Even if you are a bit more mature, you can still insure your health well with a private health insurance company. Finally, your employer contributes to your private health insurance premiums. Thus, the contributions remain affordable for you even in old age. Simply ask for a quote. This costs nothing.
Price examples: PKV costs for employees between 45 and 50 years of age
Even with the far more extensive premium protection you are cheaper in the PKV insured. You can insure very good benefits at a favorable premium, in which your employer participates up to half of the maximum rate of the statutory health insurance, but up to a maximum of half of your private health insurance contribution.
5. What do you have to plan as an employee with an income above the annual income limit in insurance premiums for private health insurance, if you have pre-existing conditions?
No matter whether you are still very young or are already of experienced age, chronic illnesses are possible at any age. In contrast to the statutory health insurances private health insurance does not have to accept you then. Even a Exclusion of benefits or a Risk surcharge are possible.
Exclusion of benefits:
In case of an exclusion of benefits you should not insure yourself in the PKV, because in case of acute illness you have to pay all benefits yourself.
A risk surcharge, on the other hand, does not necessarily make the premium more expensive than in the statutory health insurance. Depending on the illness, the surcharges can amount to contributions of between 10 euros and 30 percent of the insurance amount. In this case it is worthwhile to obtain an offer in any case. Keep in mind that despite the surcharge, you will then have access to far better benefits for the treatment of your illness.
6. What do you have to pay as an employee with an income above the JAEG if you want to insure your children as well?
Unlike statutory health insurance, there is no free family insurance in private health insurance. You have to pay an extra premium for your children. This does not mean, however, that you cannot insure yourself in the PKV with children. For children you pay only a small contribution, which amounts to contributions between 50 euros and 100 euros depending on the insurance company. However, your employer also contributes half of these premiums. This means that your children also benefit from the good services of private health insurance companies.
7. How can you lower your contributions to PKV?
As an employee with an income above the annual income limit, you can help to determine your contributions to PKV. You can do without benefits that you do not absolutely need.
7.1. Freedom from benefits
At Freedom from benefits you can agree on a premium refund, which brings you up to 6 monthly premiums depending on the insurance company.
At Deductible you should calculate exactly. Your employer will contribute to the monthly PKV premium, but not to the deductible. Compare already with the selection of the private health insurance the insurance companies exactly. You can save a lot of premiums here as well.