For the new year, around 60 percent of people with private health insurance will see their monthly contributions rise by an average of 13 percent. This was announced by the NRW consumer advice center. Further private health insurance will probably follow over the next year.

As the consumer advice center reports, it is currently receiving many inquiries from privately insured people who do not know how to pay the higher premiums.”Many people are desperate,the higher costs are hitting them hard,” says Philipp Opfermann,insurance expert at the NRW consumer advice center. Former self-employed people with a small pension are affected. If privately insured people get into financial difficulties, there are several options: You can change the tariff, increase the deductible or, if you are financially overwhelmed, apply for government help, says Opfermann.

Reduce costs through fewer services

Switch to the Basic Tariff

Switching to the basic tariff frequently enough means that you have to pay a contribution equal to the maximum statutory health insurance rate,even if your income is lower. This is because the basic tariff is designed to provide a minimum level of coverage for everyone, nonetheless of their income.

What is the Basic Tariff?

The basic tariff (Basistarif in German) is a standard health insurance plan available to all residents of Germany. It guarantees access to essential medical care, comparable to what someone with a higher income would receive. It’s a legally mandated option for both public and private health insurance providers.

Who Should Consider the Basic Tariff?

The basic tariff is especially relevant for:

• Self-employed individuals: Those without a fixed income may find the basic tariff more affordable.
• Individuals with low incomes: While contributions are based on income, the maximum contribution rate applies, potentially making it a viable option.
• Those seeking a standardized plan: The basic tariff offers a consistent level of coverage across all providers.

How Does Contribution Calculation Work?

Unlike typical health insurance contributions,wich are income-based up to a certain limit,the basic tariff uses a different system. You pay a percentage of your income, but it’s capped at the maximum contribution rate for statutory health insurance. This means even if your income is below the average, you might pay the same contribution as someone earning more, up to that maximum.

What Does the Basic Tariff Cover?

The basic tariff covers the same benefits as standard statutory health insurance, including:

• Doctor visits
• Hospital stays
• Prescription medications
• Preventive care

Key Takeaways

• The basic tariff guarantees essential healthcare coverage in Germany.
• Contributions are income-based, but capped at the maximum statutory rate.
• It’s a good option for self-employed individuals and those with lower incomes.
• Coverage is comparable to standard statutory health insurance.