Cheapest health insurance 2017: Here save insured almost 400 euros
Tuesday, 28.03.17, written by Annabell Meyer In the statutory health insurance, the contributions differ in some cases seriously. Therefore, many insured look for the cheapest health insurance. In 2017 they pay the lowest contributions from regional providers. This will not change in 2018. But some nationally opened cash registers can convince with low costs.
Insured save with the cheapest health insurance 2017 a lot of money
While a large part of the health insurance companies kept the costs for their insured persons stable in 2017, some funds have had to increase their contributions. Nationwide, the funds with the highest contribution rate are thus more than one percent higher than those with the lowest costs. But not only for this reason is it worth looking at the cheapest health insurance in 2017. Because even if the current insurance has not become more expensive, insured can save several hundred euros a year by switching to a cheaper alternative.
Update December 8, 2017: The cheapest health insurance 2017 will probably come up with the lowest contributions in 2018. For example, Audi BKK recently confirmed that its additional contribution will remain stable at 0.7 percent. The hkk plans to continue with a very small health insurance contribution. At the AOK Bremer / Bremerhaven, the contribution drops significantly from 15.7 percent to 15.4 percent.
Which are the cheapest health insurance in 2017?
As in the previous year, hkk, BKK firmus and IKK gesund plus are among the cheapest nationwide health insurances open in 2017. Their contributions are well below the average of 15.7 percent (from 2018 15.6 percent). As one of the reasons for the consistently low costs, the responsible persons mention, among other things, their sound and far-sighted economy.
Although some health insurance companies such as Metzinger BKK and AOK Saxony-Anhalt, the contributions for insured even lower (both 14.9 percent). However, these are only regionally open in Baden-Württemberg or Saxony-Anhalt. For a large part of the health insurance patients, a look at the cheapest offers of the nationally accessible health insurances is recommended.
- hkk (15.19 percent)
- BKK firmus (15.2 percent)
- IKK healthy plus (15.2 percent)
Service : In addition to the contribution, it comes with the health insurance on the benefits. Therefore, check with the health insurance comparison calculator which insurance companies can offer you the best value for money.
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Cheapest health insurance 2017: Worth a change at all?
Basically, a change from an expensive to a cheaper health insurance for each insured worthwhile. For this an example calculation:
Since 2015, the health insurance companies have been collecting an individual additional contribution in addition to the general contribution of 14.6 percent of the monthly gross income. At present, this is an average of 1.1 percent across Germany (1.0 percent from 2018). However, the three cheapest nationwide health insurances 2017 keep him at around 0.6 percent. Insured with a salary of 3,000 euros, the health insurance costs there 237 euros per month.
By contrast, Viactiv and Securvita, the most expensive health insurance funds in Germany, make an additional contribution of 1.7 percent. With an income of 3,000 euros gross, this means a contribution of 270 euros per month. Between the cheapest health insurance in 2017 and the most expensive are thus 33 euros price difference per month. Calculated on the year, the difference is 396 euros , which can save cashier.
Health insurance without much effort change
A health insurance change is associated with little effort. If you are insured with a health fund for at least 18 months, you can cancel your membership with a two-month deadline to the end of the month. All that is required is an informal letter with the respective insurance number. It is only important that the insurance coverage of the new fund without delay to the previous protection.
If the selected cheaper cashier after the exchange more expensive, cash patients receive a special right of termination . Once informed of the increasing contribution, they can look around for an alternative within a month. Subsequently, they remain insured with the old health fund for two months before the bill of exchange becomes effective.