Perhaps you have already read about it or have already been informed by your health insurance company: The health insurance companies have increased their supplementary contributions at the turn of the year – in some cases massively. And that costs a lot of money over the year.
Switching to cheaper health insurance by 31 January 2025 can be worthwhile and only takes a few minutes.
The additional contribution has risen on average by between 0.8 and 1.2% points and is therefore between 1.84% and 4.4%. This means for you in your employee contribution with a monthly income of:
2,500 € gross – an annual saving of approx. 150 €
3,000 € gross – an annual saving of approx. 180 €
3,500 € gross – an annual saving of approx. 210 €
4,000 € gross – an annual saving of approx. 240 €
The additional contribution has risen on average by between 0.8 and 1.2% points and is therefore between 1.84% and 4.4%. This means for you in your employee contribution with a monthly income of:
2,500 € gross
– an annual saving of approx. 150 €
3,000 € gross
– an annual saving of approx. 180 €
3,500 € gross
– an annual saving of approx. 210 €
4,000 € gross
– an annual saving of approx. 240 €
1. Inform yourself:
Compare the additional contributions and future costs (and benefits) of different health insurance companies, e.g. at www.zusatzbeitrag.net or similar comparison portals.
2. Decide:
Think about whether it makes sense for you to switch. You have until 31 January 2025 to do so.
3. Switch:
At www.zusatzbeitrag.net (or other comparison portals) you can make your switch directly online in just a few steps.
In addition to the general contribution rate of 14.6% of gross income set by the legislature (up to a maximum of €5,512.50 per month), the health insurance companies can regulate individual costs using the additional contribution rate. The administrative board of the respective health insurance company determines the amount. The individual contribution is necessary because the health fund from which the health insurance companies receive financial resources does not cover all of the statutory health insurance costs. Most health insurance companies no longer have any reserves to avoid increasing contributions.
The average additional contribution has risen by law from 1.7% to 2.5% due to the strained financial situation. However, almost all health insurance companies have increased the additional contribution above average (yellow marking). The attached extract gives you an initial overview of the current contribution rate of the health insurance company and how high the additional contribution included in it is. The spread in the additional contribution between the individual health insurance companies is between 1.84% and 4.4%.
If you have decided to change health insurance companies, register with the new health insurance company within the first 14 days of employment with your new employer. With most health insurance companies, this is easy and can be done within a few minutes using an online form.
No, your new health insurance company will cancel your old health insurance company for you. This means that there is no gap in coverage for you as an insured person.
Please inform your residence management and provide them with a copy of your membership certificate/new health insurance card.
Your residence manager will then upload this to optiVU.
As a new employee of the head office, please inform bdlWagner and present your new membership certificate/copy of your health insurance card.
A two-month notice period applies. The termination takes effect at the end of the month after next.
No, you have the right to choose and therefore also the right to switch immediately.
No, statutory health insurance companies must generally accept anyone who wants to take out statutory insurance and who was previously insured under statutory or voluntary statutory insurance.