Basically you can change your health insurance at any time. Although the contribution rate in the statutory health insurance has been the same everywhere since the introduction of the health fund – as of January 1, 2015, the legislator reduced the contribution rate from 15.5 to 14.6 percent of the gross income – but the health insurance funds can add additional contributions of 0.9 percent on average, reports the “HealthyNews”.
Additional contributions justify special right of termination
In the case of premium increases, there is generally a special right of termination: until January 31, many insured persons were able to give extraordinary notice of termination and change their health insurance fund on the first of April. If you have missed this deadline, you still have the right to change your insurance provider: As a general rule, the rule of thumb is that you have been a member of your old health insurance for at least 18 months.
Switch health insurance: This is first to do
If you would like to change your health insurance, you will first have to call your old insurer. You can cancel with a notice period of at least two months to the end of the month. In any case, declare your termination in writing. In order to ensure that the letter has arrived at the cash office on time, you can either hand in the notice personally or send it by registered mail.
Then the change is complete
Your old cash register is required to issue a confirmation of termination within 14 days of receipt of the notice. Only when you have submitted the notice of cancellation with your new request cash and this confirms your new arrival with the issue of a membership certificate, the health insurance bill has been completed. Do not hesitate to ask if your old-time health insurance or the new health insurance company take too much time to provide you with the important documents. Tip: Before you change the health insurance, you should let the new fund confirm in writing that the current contribution rate and the additional contribution still apply if you change.