Blocking from unemployment benefits and health insurance
If you are fed up with your job and just quit, you will have to pay a ban on unemployment benefits. Calculate blocking time. Depending on whether you were previously a voluntary member or a compulsory member of a statutory health insurance, this has different effects on the health insurance.
Anyone who terminates their job of their own accord and without good cause must expect the employment agency to suspend a blocking period or Ban imposed. The entitlement to benefits is then generally suspended for three months. This can be due to your Health insurance have different effects.
Blocking from unemployment benefits for those with statutory health insurance
- Who before entering his unemployment was a compulsorily insured member of a statutory health insurance for whom a so-called Follow-up insurance protection.
- Because according to § 19 para. 2 Social Code (SGB) V exists for one month after membership in the statutory health insurance has ended - for example through loss of employment subject to social security contributions - a claim to benefits compared to the statutory one Health insurance.
- Even after the first month of the blocking period, during which no unemployment benefit is paid, the insurance cover does not expire for previous compulsory members. Because according to § 5 para. 1 No. 2 SGB V are also subject to compulsory insurance in the statutory health insurance, who due to a block in accordance with. 144 SGB III are not entitled to unemployment benefit. In this case, the Federal Employment Agency takes over the health insurance despite the ban.
- The situation is different, however, for those members who were faced with unemployment or were a voluntary member of a statutory health insurance scheme after being locked out of unemployment benefits. There is no subsequent insurance protection in accordance with § 19 para. 2 SGB V, so that the unemployed person has to pay the voluntary contributions himself in the first month of the blocking period. For the remaining months of the ban or In the blocking period, the employment agency also pays the contributions for this group of people.
If the worst comes to worst and the job is lost, then ...
Private health insurance and blackout periods
- Anyone who was previously privately insured has to see where they are. This is because there is no one-month supplementary insurance coverage for those with private health insurance, nor does the employment agency pay the contributions during the suspension.
- Anyone who has private health insurance and quits their job of their own accord should therefore have accumulated enough reserves to be able to pay the contributions to private health insurance.
If there is a blocking period for unemployment benefits, compulsory members who have previously been legally insured do not automatically lose health insurance cover. This is different, however, for members who were previously voluntarily insured and who have to finance their own contribution in the first month of the blocking period.
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