Zahlen Sie zuviel für Ihre private Krankenversicherung? Starten Sie den kostenlosen Krankenversicherungsvergleich
Wer in die private Krankenversicherung wechseln will, sollte sich den Vertrag genau durchlesen, bevor er unterschreibt. Anders als bei der gesetzlichen Krankenkasse gibt es bei den privaten Anbietern viele Details und Zusatzversicherungen, die das Mitglied zum Tarif auswählt, um einen Rundumschutz zu erhalten.
Die Mitgliedschaft in der privaten Krankenversicherung bietet viele Vorteile, begonnen bei der Terminvergabe der Fachärzte, Behandlung durch den Chefarzt, Kostenbeteiligung bei Zahnersatz und die Kostenübernahme von rezeptfreien Medikamenten. Welche Vorteile zum Zuge kommen, entscheidet das Mitglied. Auf einige Kriterien ist besonders zu achten.
Dazu gehört die stationäre Behandlung. Übernimmt der Anbieter die Kosten für alle Krankenhäuser oder schließt er die Behandlung in Privatkliniken aus? Diese Frage muss eindeutig geklärt sein. Liegt der Patient erst mal in einer Privatklinik und überlegt dann, ob seine Versicherung die Kosten übernimmt, ist es meist zu spät. Weitere Fragen, wie Chefarztbehandlung, Einbettzimmer und Krankentagegeld sind wichtige Dinge, die auf eine Antwort warten.
Welche Kosten übernimmt die private Krankenversicherung aufgrund des gewählten Tarifs? Übernimmt sie die Kosten für Zahnbehandlungen und Zahnersatz oder muss der Versicherte für diese eine Zusatzversicherung abschließen? Auch die Frage, ob der Anbieter psychologische Therapie nur bei Psychiatern oder auch bei Psychotherapeuten bezahlt, gehört zu den wichtigen Fragen ebenso wie die Kostenübernahme für den Kuraufenthalt. Viele Fragen, auf die der Versicherte Anspruch auf Antwort hat. Anders als bei der gesetzlichen Krankenversicherung kann der Versicherte die Höhe der Prämie durch einen Selbstbehalt verringern. Er bezahlt aus eigener Tasche alle Kosten bis zum vereinbarten Selbstbehalt. Die Höhe des Selbstbehalts entscheidet der Versicherte selbst.
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