Changing public health insurance

13 posts in this topic

Hi all,

 

I am contractually employed (not self-employed) and I've had AOK for well over 18 months. I have made an application to TK for myself and family member very recently, and was informed by AOK that I can't change plans until 2015.

 

AOK informed me that my 18 months is not up until 2015, which could only possibly be correct if they re-started the 18-month clock if/when they added a family member, who moved here a few months ago, onto "my" plan. Could this possibly be their rationale for telling me I can't change until 2015?

 

So, my general question seems to be: does adding a family member to your plan re-start the 18 month clock? Also, it would be nice to know if there are any events that would supersede the 18 month rule such as moving or immigration of another family member, such that one is given an opportunity to change plans? I certainly didn't see anything like this in the relevant law, but I want to ask anyway.

 

I should note that I believe I applied for AOK insurance for my family member when he came, but I simply can't find any evidence of it. I have a (false??) recollection of receiving his card but I can't find it (??). Yeah, yeah, I should know this, and one should keep track of documentation, especially if living in DE. I am looking forward to your opinions regarding this.

 

Thanks for any information. There is outstanding information here and I'm grateful for it, and the people who share their knowledge. I'll editorialize a bit more and say I do not agree with the flames on people who do not thoroughly search before posting. Happy new year TT.

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Did you submit a writen application? What was the exact reason that the AOK gave you why you can't change till 2015? Have you already applied with TK?

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I posted TK a written application in December. I haven't yet sent AOK a written cancellation but emailed a request. In response, AOK sent me a message saying that my 18 month Bindungsfrist ends in 2015 so I can't leave the party yet.

 

But like I said, this would only make sense if for some reason the 18 month clock re-started, since I have been with AOK for more than 18 months already. My guess is that I did enroll my family member and that triggered it. I wonder if the clock will start yet again when my second family member comes in (hopefully) a few weeks, or if there is a way to wriggle free and get TK instead.

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Did you by any chance change jobs?

If yes, and if there was even only a one day hiatus between your jobs, the 18 month count started anew with your new job, see here: http://www.vdek.com/vertragspartner/mitgliedschaftsrecht_beitragsrecht/kassenwahlrecht.html

and here: http://www.krankenkassenforum.de/versicherungslcke-vt6582.html

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Ahh, Sherlock lives! I had to leave DE for a few months, summer 2013. I forgot all about that - er, amazed I didn't consider that. It was sort of oddly handled in that I was still on the payroll without interruption although my salary has been massaged so that I didn't get paid for doing nothing. Perhaps I'll be able to unravel my payslips and see that my insurance lapsed over this summer.

 

I'l mention that at the time I left DE, I had already passed the 18 mo. mark. I made no action to select AOK or TK upon my return to DE.

 

So upon returning, I apparently automatically started up with AOK again. I suppose the 18 mo clock has started again, and therefore I'm again locked in to AOK for 18 mo. after my date of return. Let me know if this isn't correct, or if I might wriggle free from AOK earlier.

 

Many thanks!

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So upon returning, I apparently automatically started up with AOK again. I suppose the 18 mo clock has started again, and therefore I'm again locked in to AOK for 18 mo. after my date of return. Let me know if this isn't correct, or if I might wriggle free from AOK earlier.

 

Yes, sorry.

You could have chosen a different Krankenkasse within 3 months of returning, but apart from that, I don't see a chance for you to get out unless AOK starts charging a Zusatzbeitrag, which they are rumoured to do starting with 2015, see here.

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Hi All, 

 

I have a related question. I got a new job in Munich and I want to take this opportunity to change my health Insurance from AOK to TK. I have contacted my current health insurance (AOK) and they said I can change it as long as there is at least a single day gap ("lücke" in their term) when I change from AOK to TK. Luckily, the first two days of the month when I will start new job is weekend and I can show a gap (AOK is OK with it). So, now I am planning to ask TK to start my insurance from the 3rd day of the month to show the gap. Hope it will be OK with them.

 

Now, my question is:

 

Does any of you see any problem if I have such gap while changing my insurance? I am bit curious why this gap is needed. Will it have any impact on any of my benefits (health, pension, other mandatory insurances) in future or on application for Permanent residency/Citizenship.

 

Finally, could any of you please share your experience with TK, Bayern? The reason I want to change from AOK to TK is, afaik TK provides most of its service in English and secondly I am really not satisfied with the Service of my current insurance provider, AOK Nordost.

 

Thanks in advance all for your answers.

 

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TK is fine, never had any issue with them.

The stuff they cover, they do cover; the stuff they don't cover, they don't. Get a referral from your GP before seeing a specialist and you're golden; in some cases it might not be needed at all, but better make sure. 

Communication was always OK, although I didn't need to deal much with them. Calls were typically started in German and then switched to English when they realized I wasn't getting a word of it. I wouldn't say they provided "most of" their service in English, only some (e.g. all letters I'm getting are in German - not that I'm complaining, I find it normal).

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Does any of you see any problem if I have such gap while changing my insurance? I am bit curious why this gap is needed.

Whilst I don't know much about insurance, I do know that you can have a bad accident and need medical help at the weekend, and not only during the working week!

 

I think you also need to ask TK about this gap, and whether you really have to have it - to me it sounds like a potentially huge problem you could be allowing yourself to get into here!

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Wouldn´t having a gap be illegal? After all, it is mandatory in Germany to have health insurance as long as you are resident?.

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I think you also need to ask TK about this gap, and whether you really have to have it - to me it sounds like a potentially huge problem you could be allowing yourself to get into here!

 

Valid point @robinson100. I will check this with TK whether i really need this. I agree, it will potentially be a huge problem if I have a bad accident/need medical help (which of course may happen to anyone at anytime) during this 2 days gap. Do you see any problem otherwise?

 

Wouldn´t having a gap be illegal? After all, it is mandatory in Germany to have health insurance as long as you are resident?.

 

I also don't know @jeba. I actually found it strange why they need such gap. May be this is the way they try to keep unsatisfied customers at least for 18 months ;). It seems to me it is only possible to make such gap if someone do it intentionally while registering to next insurer and hence, could fall into troubles as mentioned by @robinson100. I will discuss with TK about this as suggest by Robinson. 

 

I wouldn't say they provided "most of" their service in English, only some (e.g. all letters I'm getting are in German - not that I'm complaining, I find it normal).

 

@airwave Thank you for sharing your experience. Like you I accepted to receive letters in German in Germany and wont complain if the letters are in German. But I hope at least TK provides bit more support in English than AOK. 

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My boyfriend was a student and under 25 years old, so he was covered by his parent's insurance (AOK Rheinland Pfalz).
He started working a few months ago, shortly before turning 25, and is now covered by his employer. He did not change health insurance on time, so he is still insured with AOK, but now as an employee.
Do the above mean that before he can change to a better public insurance, he has to stay with AOK for 18 months from the moment that he started working?

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