Beitragserhöhungen der PKV entgegen wirken



In jedem Jahr erhöhen sich die Beiträge für die private Krankenkasse. Und in jedem Jahr überschreiten die Beiträge die finanziellen Möglichkeiten der Versicherten und selbst, die Skidjet die ceiling Beträge stemmen können zahlen nur ungern mehr.
In einem gewissen Rahmen muss man diese Erhöhungen nicht einfach hinnehmen und kann ihnen entgegenwirken.


Risikozuschläge einsparen

Risikozuschläge machen button, in einer PKV bis zu 20% des Beitrages aus. Diese werden erhoben, wenn man beim Wechseln Wholesale Miami Dolphins Jerseys in die PKV vorliegende Erkrankungen hatte. Sofern sich diese Beschwerden in Wohlgefallen aufgelöst haben, besteht kein Grund mehr für den Risikozuschlag. Allerdings stellt es sich oftmals als relativ schwierig dar, die Risikozuschläge streichen zu lassen. Hier wird definitiv ein ärztliches Schreiben benötigt und evtl. die Hilfe eines Versicherungsberaters um die Streichung durchzusetzen.

Tarif wechseln

Als wholesale MLB jerseys PKV-Kunde steht es einem frei in einen anderen bestehenden Tarif zu wechseln, den die Versicherungsgesellschaft anbietet. Eine Ausnahme bildet der Wechsel von einem Uni-Sex- in einen Bi-Sex-Tarif. Oftmals kann der Wechsel ohne erneute Risikoprüfung erfolgen. Es stellt sich nur MuhmadEmad oftmals zur als schwierig dar im Tarifdschungel einen günstigeren zu finden, der nahezu die gleichen Leistungen enthält.
Dennoch sollte ein Wechsel gut abgewogen werden. Schließlich können auch hier die Beiträge steigen und am Ende ist der vermeintlich günstigere Tarif ebenso teuer wie der alte und beinhaltet u.U. noch Leistungseinbußen.

Leistungen streichen

Als Alternative zum Tarifwechsel lassen sich auch einzelne Leistungen aus dem Tarif entfernen, welche nicht zwangsläufig sein müssen, wie vielleicht die Krankenhausunterbringung in einem Einzelzimmer. Diese Maßnahme sollte aber erst in Betracht gezogen werden, wenn man wirklich nicht mehr in der Lage ist seine Beiträge zu begleichen.

Auf freie Arztwahl verzichten

Der Versicherungsnehmer kann dem Primärarztprinzip zustimmen. In diesem Fall verzichtet der Versicherte auf die freie Arztwahl und muss bei jeder Erkrankung erst seinen Hausarzt aufsuchen, der ihn ggf. an einen agricultores Spezialisten überweist.
Eigenleistungen erhöhen
Eine weitere Möglichkeit den Beitrag zu senken, ist die Höhe des Selbstbehalts zu erhöhen. Hier sollte man aber auch die möglichen Risiken nicht außer Acht lassen. So können im Fall einer Erkrankung u.a. hohe cheap nba jerseys Arztrechnungen auf den Patienten zukommen.

Alternative: gesetzliche Krankenversicherung

Diese Alternative kommt nicht für jeden in Betracht. Um zurück in die GKV wechseln zu können, müssen diverse Voraussetzungen erfüllt werden.
Allerdings existieren auch in der PKV Tarife, die denen der gesetzlichen Krankenversicherung entsprechen und somit wesentlich günstiger sind.
Und im schlimmsten Fall existiert noch der Notlagentarif der PKV. Hier werden alle Versicherten mit den notwendigsten Leistungen abgesichert, die nach dem Mahnverfahren nicht in der Lage sind ihre Beiträge zu begleichen.


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