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Opting out of public health insurance
Info on what earnings are required to go private
I know there are many threads on this topic but can anyone direct me to a website where I can get precise figures on how much gross one needs to earn to opt out of the public system. Some say the minimum gross to opt out is EUR 47,250 others say EUR 42,750
try www.beitragsbemessungsgrenze.com
It's in German though; I don't know an English site.
Summary: to change to private from public, you need to earn 47.700; if you're already private the amount you need to earn is lower, 42.750 (as some companies don't keep pace with the insurance limit rise, so you could otherwise find yourself going private one year when you just get over the bar, and slipping back underneath it the next year)
It's in German though; I don't know an English site.
QUOTE
"Die Bemessungsgrenze in der Krankenversicherung beträgt 2007 voraussichtlich
42.750 € p.a. bzw. 3.562,50 € monatlich,
dies entspricht der Bemessungsgrenze im Jahr 2006. Bis zu diesem Einkommen werden maximal Beiträge in der gesetzlichen Krankenversicherung berechnet; die Höhe des Beitrages ist abhängig von der Höhe des Beitragssatzes Ihrer gesetzlichen Krankenversicherung.
Für einen Wechsel in die private Krankenversicherung ist die
Versicherungspflichtgrenze (Jahresarbeitsentgeltgrenze) relevant; sie beträgt 2007 voraussichtlich
47.700 € p.a. bzw. 3.975 € monatlich"
42.750 € p.a. bzw. 3.562,50 € monatlich,
dies entspricht der Bemessungsgrenze im Jahr 2006. Bis zu diesem Einkommen werden maximal Beiträge in der gesetzlichen Krankenversicherung berechnet; die Höhe des Beitrages ist abhängig von der Höhe des Beitragssatzes Ihrer gesetzlichen Krankenversicherung.
Für einen Wechsel in die private Krankenversicherung ist die
Versicherungspflichtgrenze (Jahresarbeitsentgeltgrenze) relevant; sie beträgt 2007 voraussichtlich
47.700 € p.a. bzw. 3.975 € monatlich"
Summary: to change to private from public, you need to earn 47.700; if you're already private the amount you need to earn is lower, 42.750 (as some companies don't keep pace with the insurance limit rise, so you could otherwise find yourself going private one year when you just get over the bar, and slipping back underneath it the next year)
Does that mean that one would have to earn EUR 47,701 to opt out? Does this apply to people already in the private system or does one have to be in the public system for three years before they can opt into the private system?
QUOTE (ruapehu @ Dec 18 2006, 7:57 am) 
if you're already private the amount you need to earn is lower, 42.750 (as some companies don't keep pace with the insurance limit rise, so you could otherwise find yourself going private one year when you just get over the bar, and slipping back underneath it the next year)
QUOTE (smurf @ Dec 18 2006, 8:08 am)
a. Does that mean that one would have to earn EUR 47,701 to opt out?
b. Does this apply to people already in the private system or does one have to be in the public system for three years before they can opt into the private system?
b. Does this apply to people already in the private system or does one have to be in the public system for three years before they can opt into the private system?
a. No, it means you need to earn 47.700 to opt out
b. as I said above, 42.750 - slip under this lower amount, and you will be forced to return to public
I know nothing about a 3-year rule.
The 3 year rule is new from 2007 - as far as I understood it, you can't go private unless you've had 3 consecutive years earning above 47k. Does not affect you if you're already private.
Latest information:if you send out a cancellation of your public health insurance before 17th January 2007, you can go private despite the 3-year rule
I thought this "3 year" legislation hasn't even passed yet? What is the deal with the 17th Jan deadline?
What if it's your first job here and you have to go into the public system for a few months because you are under the threshold and then you get a pay rise a couple of months later above the threshold to opt out. Can you then do this or do you have to stay in the public system for 3 years?
Hutcho:got an email from an insurance company yesterday, stating the new rule is coming into force and that you are exempt until 17th January.
Smurf: my understanding is the employee is stuffed for 3 years because he/she isn´t an existing employee before January 17th
Smurf: my understanding is the employee is stuffed for 3 years because he/she isn´t an existing employee before January 17th
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