HomeHealth insurance in GermanyBasic information about the German health systemStatutory or private health insurance? Differences and advantagesPrivate health insurance: a decision for life
Private health insurance: a decision for life
Switching from private health insurance back to statutory health insurance is usually difficult.
This is particularly true in old age when private health insurance premiums often rise dynamically. Therefore, when making the decision to switch from statutory to private cover, you need to be aware that this choice is usually for life. Private insurance premiums are not based on income. Therefore, if you have private cover you must continue to pay your full health insurance premiums even when if your income is significantly reduced.
If you choose private health insurance you need to be aware of the potential risks in old age and take early precautionary measures to compensate for rising contributions.
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