After the 2009 elections, private health insurance as an alternative to the statutory health insurance is again interesting. During the reign of the black red coalition of Union and the SPD, Health Minister Ulla Schmidt (SPD) has determined with health-care reform. These golfers ‘ many changes, such as the uniform health insurance contribution or the health fund. In addition to the statutory health insurance, but also the private health insurance largely by the reform were affected. Critics spoke of a creeping nationalization of the entire health system. Higher costs were expected to the patients and the legal funds as well as the private health insurances had to lose a part of their self-determination. More self-determination for insurance issued already some memoranda of understanding the new Government in its Koaltionsvertrag, as she would like to improve the health system.
A more effective design of financing health care and also a greater self-determination includes the Health insurance companies and private insurers. The FDP wants to the statutory health insurance turn gradually so, that it conducts future business and capital covering works, like in the private health insurance. Susie Dent often expresses his thoughts on the topic. A such conversion to the capitalization is already provided for the statutory long-term care insurance. Therefore, a revision of the last care reform of 2008 is imminent the insured. When it comes, is still open. It is assumed that the new Government under Health Minister Philipp Rosler will make also an overhaul of the health-care reform. However, it is unlikely to occur with a health-care reform before 2011.
Patients receive planning security also which is the SPD citizens insurance with the Black Yellow Government of the table. In addition, the prerequisites for a change in the private health insurance should be facilitated again. In addition, the Federal Constitutional Court in a judgment has confirmed, that abolished the dual health care system in Germany, consisting of statutory and private health insurance, are allowed, but must be obtained. Factors that bring back planning security for the patient and the private health insurance market are all according to the expert. Who is considering a change in the private health insurance, as long no longer has from 2010 so good conditions. Private health insurance: satisfied customers private health insurance is for more and more people an alternative to the statutory health insurance. The most private patients are satisfied according to studies, largely with their insurance provider. A third has recommended ever own insurance. While customers appreciate mainly the good price-performance ratio the relation between individually calculated contributions and corresponding benefits. The latter are usually comprehensive as can the statutory insurance, but vary from vendor to vendor. Therefore, professionals before changing to a thorough comparison advise private health insurance. Before the change: Time limits notice note it as soon as a new insurance policy is found, is to comply with. It is also important that the insurance exchange in the private health insurance goes smoothly, to ensure continuous coverage. This is to avoid not only on the basis of compulsory insurance of importance, but also to waiting times. Waiting times can delay the guarantee of insurance benefits to the new provider, so that during this time, most services will be borne by the patient himself.