Die private Krankenversicherung für Jedermann?

Die private Krankenversicherung ist spätestens seit der Gesundheitsreform zum 01.01.2009 für die Versicherten zu einer interessanten und lukrativen Alternative gegenüber der gesetzlichen Krankenversicherung geworden. Zum einem, weil die gesetzlichen krankenversicherungen seit Januar einen einheitlich hohen Beitragssatz haben. Und zum anderen, weil die Leristungen der gesetzlichen Krankenversicherungen in den letzten Jahren immer weiter zurückgeganen sind. Dies hat zur Folge das die Versicherten der gesetzlichen Krankenkassen im Krankheitsfall immer mehr zuzahlen müssen. So zum Beispiel die einmal im Quartal zu entrichtende Praxisgebühr, oder die üblichen Zuzahlungen zu verschreibungspflichtigen Medikamenten. Hinzu kommt, dass der Leistungsumfang der gesetzlichen Krankenkasse nur noch eine Art Grundversorgung darstellt und viele Leistungen, wie zum Beispiel im Zahnersatz durch sogenannte Zusatzversicherungen abgesichert werden müssen. Schaut man sich die einheitlich hohen Beiträge und die nötigen Zuzahlungen im Krankheitsfall an und vergleicht diese mit den darin in der Vergangenheit stets gesunkenen Leistungen der Kassen, wird offensichtlich, warum sich ein Wechsel zur privaten Krankenversicherung lohnen kann. So ist die private Krankenversicherung längst nicht mehr nur Beamten, Ärztern, Richtern und Unternehmern vorenthalten, sondern zu einer Versicherung geworden, die die ganze Breite der Bevölkerung mit einschließt. So ist die private Krankenversicherung für Angestellte und Arbeiter genauso Realität, wie die PKV für Rentner, Studenten und Arbeitslose. Während Beamte und Unternehmer keine bestimmten Voraussetzungen zu erfüllen haben um in der privaten Krankenversicherung aufgenommen zu werden, gibt es für andere Berufs- und Bevölkerungsgruppen bestimmte Kriterien für einen privaten Versicherungsschutz. So werden Angestellte und Arbeiter nur privat versichert, wenn sie über einer bestimmten Einkommensklasse liegen. Dies regelt die so genannte Beitragsbemessungsgrenze. In Zahlen bedeutet das folgendes. Nur Angestellte und Arbeiter die im Jahr 2009 mehr als 44.100€ im Jahr, oder 3675€ im Monat verdienen, können sich privat versichern. Wenn sie erfahren möchten, was sie für eine private Krankenversicherung noch beachten müssen, besuchen sie das Portal von Private-Krankenversicherung.de. Hier finden sie alle Informationen rund um das Thema private Krankenversicherung.

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