Private health insurance and pension
There may be many advantages to having private health insurance. Pensioners with statutory health insurance never pay more than half of the general contribution rate for health and long-term care insurance. Whoever draws a statutory pension may at least share in the costs of their private health insurance with their pension insurance company. There are no automatic grants. You have to apply for this.
Pensioners who are insured with a statutory health and long-term care insurance fund pay contributions themselves. But you don't have to worry about the technical details. Everything is done automatically by the pension insurance company.
Statutory pension and private health insurance
If you are insured with a private health insurance company, you will continue to pay your premiums after you start paying annuities. You pay your contributions to your insurance company on your own responsibility.
- The amount of the contribution is based on the respective tariff that covers certain health and care risks. Income does not play a role in the calculation.
- If you receive pension benefits from the statutory pension insurance, a subsidy from the respective pension insurance provider is possible. You will receive it together with your pension.
- Entitlement to a contribution subsidy is tied to certain requirements. The health insurance company you choose must be subject to the supervision of a state that applies European law. While the scope of the tariff or insurance cover does not matter.
- Tariffs from private health insurance that provide outpatient or inpatient treatment (optionally Hospital daily allowance), dental treatment, costs for medicine, remedies and aids individually or in total lock in.
Not only employees, but also those who receive a pension must make contributions to the ...
Apply for a grant with a pension application
- The grant is not automatic. You have to apply for it. When you submit your pension application, you can do that right away. There are corresponding fields for this.
- The amount of the subsidy results from the usual statutory contribution rate Health insurance and your pension. You will receive half the amount of the general contribution rate (reduced by 0.9 contribution rate points) based on the amount of your pension.
- At most, the pension subsidy reaches half of your real contribution expenses. In mathematical terms, it is around 7.3 percent of your pension.
As a privately insured pensioner, note that you must have long-term care insurance in addition to private health insurance. You will not receive a subsidy for long-term care insurance contributions from the pension insurance company.
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