Right of withdrawal for statutory health insurance
Health insurance has been compulsory in Germany since 2009. Every citizen must either be a member of a statutory health insurance company or have a contract with a private health insurance company. Anyone who concludes a contract with private full or supplementary health insurance has a right of withdrawal (14-day notice period). However, there is no such regulation for statutory health insurance.
Statutory health insurance is regulated by the Social Code (SGB V). An application of a regulation of a statutory withdrawal period as in private insurance contracts or There is no health insurance. A possible right of withdrawal can only be exercised within a period of notice.
Change statutory health insurance after a minimum membership of 18 months
- Members of the statutory health insurance companies have the right to freely choose their health insurance company. If you want to exercise this right to vote, you have to adhere to certain legal regulations.
- Changing a statutory health insurance company requires an effective termination with a new registration at the same time. No new membership will be confirmed without a certificate of termination.
- Anyone who has given notice of termination to their current health insurance company must receive a written confirmation of termination from them within two weeks. The prerequisite for this is that the requirements are met.
- This includes being able to show the 18-month application period or membership in the previous health insurance fund. The termination takes effect at the end of the next but one calendar month.
- There is also a special right of termination if the health insurance company charges or increases an additional contribution. The fact that no premium repayment is possible is also a reason for early termination.
- Anyone who has taken out an optional tariff with a health insurance company is bound by three years.
Anyone who is a member of the PKV - private health insurance - has a hard time getting out of ...
Right of withdrawal after application
- Anyone who has effectively terminated with a health insurance company and submitted an application to a health insurance company of their choice may, under certain circumstances, reconsider it.
- It is possible to revoke a notice of termination or a declaration of election. In this case, the right of withdrawal means that the member must withdraw his or her decision to choose a new health insurance company within the notice period.
- The revocation of the termination or the declaration of election must be made in writing.
- It should be noted, however, that it is no longer possible to revoke the termination or the choice of health insurance provider after the notice period has expired.
If the notice period has expired, any right of withdrawal no longer applies. Membership begins with the relevant one Health insurance. The health insurer may have to wait another 18 months before switching to another statutory health insurer is possible.
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