These 3 points show you if your private health insurance is too cheap!

What you as an employee should pay attention to when you're able to secure your existing private health insurance. Often I see insurance policies with too low a premium on your current health insurance.

Your employer will contribute to your private health insurance in 2024 with a maximum of €403,99. Why do you want to give money to your employer?

This means that the contribution without long-term care insurance is subsidized up to €769.16.
In almost all of these cases, the following gaps in coverage and misconceptions are present.

1. Sick pay

The daily allowance is far too low and has never been adjusted since the conclusion.

Keep in mind that in the event of a long illness, you will have to pay for your health insurance entirely on your own and that you may also have to pay pension and unemployment insurance contributions. At least one net plus contribution health insurance is required.
With a net income of €3600, it is already €120 a day with pension insurance and unemployment insurance €167.77 a day is needed!

2. Grant relief for retirement age. It's

Better to let your employer pay the contributions for the future than to bear 100% of the donations yourself at retirement age. Since you only pay half the gift, which is also considered for tax purposes, there is a slight net difference with a significant effect in old age.

3. Premiums

Low-cost tariffs often have little or no refunds of premiums, which can also be used to build up an old-age provision. So why not pay more for the best coverage in the event of illness and get high cashback on new health insurance?
We'd appreciate it if you could let us shed light on your current health insurance and always be ideally and cheaply insured in the future.