Dissatisfied in the PMI?
Back to statutory health insurance
Switching from private to statutory health insurance
We recommend switching from private health insurance to statutory health insurance for all those who are no longer satisfied with their private health insurance. A change is not possible without further ado. Particularly in the case of people over 55 years of age or pensioners, the law does not provide for them to be able to switch back to statutory health insurance. But even in these difficult cases, there are ways out of private insurance.
We check for you ways back into the statutory health insurance.
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Change health insurance - but how?
There are a few ways to switch from PMI to Statutory health insurance. This path is as individual as you are and will be examined by us for each individual case. In doing so, we always stay within a legal framework and know the fifth social security code like the back of our hand. For example, regulations on family insurance can be used and EU law with its law on the free movement of persons can also take effect in the event of a desire to change.
By working closely with lawyers and tax advisors, we keep an eye on every legal aspect and can provide you with an expert opinion if you wish.
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Even if you are over 55, you can still switch from private to statutory health insurance – although it is easier up to the age of 54. Nevertheless, you don’t have to stay in private insurance forever, on the contrary, switching can be rewarding for you.
You can often save money by switching to public insurance. Cheap rates with attractive benefits may have enticed you when you were younger, but unfortunately private insurance becomes much more expensive as you get older. There may also be other reasons for switching.
For example, economic hardship or increasing amounts of insufficient pension may mean that you can no longer afford your private health insurance. After three months of premium arrears, they are automatically placed on the emergency tariff. This is cheap, but offers fewer benefits than the statutory insurance. Preventive examinations, for example, are not covered here, which is why a change to statutory health insurance should be considered at the latest at this point.