Health insurance for retired civil servants
As a civil servant, you are free to choose your health insurance. Because of the lack of partial coverage, the statutory health insurance is usually of no interest to you. Private insurance offers you financial advantages due to grants. What does it look like when you retire?
As a civil servant, you and your family members who are not employed are eligible for the benefit. As part of the duty of care, the employer takes on part of the costs for medical care. The benefit does not end when you retire.
Two forms of health insurance for civil servants
As civil servants, in the event of illness, the state reimburses a certain part of the costs through the allowance. The rest is private Health insurance (PKV) covered.
- So it is not surprising that around 50 percent of the nine million people with private insurance are civil servants. Statutory health insurance does not offer public servants a real alternative. The reason is that in these cases the state does not pay the employer's contribution to the health insurance fund.
- Almost 98 percent of retired civil servants pay contributions to private health insurance and compulsory long-term care insurance. The amount depends, among other things, on entry age, marital status and state of health. If you were to receive a pension at the present time after 40 years of service and private insurance, you would have to reckon with average monthly contributions of around 180 euros. For married people this is around 360 euros.
- The remaining two percent of retirees pay high contributions as those with statutory health insurance. Since, in the case of voluntary statutory health insurance, the employer's subsidy from the state im If retirement is not paid, in the worst case scenario, the contributions accrued to date can suddenly fall double.
If you are a civil servant, you are legally entitled to an allowance. In addition …
Pension benefitsÂ
If you are about to retire or are already enjoying retirement, you will receive a retirement pension. At the same time, you are entitled to a pension.
- How high this claim is is determined by the employer. In general, the assessment rate for the group of people in question is 70 percent of the eligible expenses. In the event that the assessment rate changes from 50 to 70 upon retirement Percentage of the eligible expenses changed, are corresponding proof of insurance to submit.
- It can happen that the assessment rate is reduced by 10 percent. This is the case when, when a pension insurance institution participates in the contributions to health insurance. The prerequisite for this is that you are entitled to a contribution relief of at least 90 euros (as of 2014) per month.
- People who started compulsory health insurance from January 1994 onwards are not affected by the reduction. So that the assessment rate you are entitled to can be determined, you must have pension notices (age and Widow's pension) to the responsible pension fund or aid agency.
- When you have reached retirement age, your private health insurance will be atypically cheaper and not more expensive for you as a pension recipient and former civil servant. This is not a gift from your health insurance company, you owe it to the statutory aid regulations.
Supporters of the aid point out that it is cheaper for the state to provide aid than to pay the employer's share. An older figure from 2002 provides arguments for opponents of state aid. In response to a parliamentary question in this regard, it was announced that the federal government could save around 300 million euros in 2002 if civil servants were only insured by the statutory provisions.
