Vorurteile auf dem Prüfstand
The brochure “Vorurteile auf dem Prüfstand” from HanseMerkur presents a persuasive argument that private health insurance (PKV) is superior to statutory health insurance (GKV) in Germany. It begins by listing common misconceptions about PKV – that it is unaffordable with children, that it becomes too expensive in unemployment or old age – and systematically refutes each with data and explanations. The document then details the historical rise of GKV contributions (from €185 in 1980 to €1,019 in 2024) and the simultaneous reduction of benefits, illustrating how statutory members now pay roughly five times more for fewer services. It highlights specific benefit erosions (higher co‑payments for medication, hospital stays, reduced wage‑continuation, etc.) and hidden disadvantages such as longer waiting times and limited access to alternative therapies. The brochure argues that PKV offers financial predictability, continued coverage in unemployment (with support from the Federal Employment Agency) and stable contributions in old age because private insurers build reserves. It also counters the “children are too costly” myth by showing a family scenario where PKV contributions are comparable to GKV while delivering higher benefits, and notes that contributions fall when children become independent. The text then introduces HanseMerkur’s two flagship PKV products – Top Fit (for self‑employed) and Best Fit S (for employees) – describing their comprehensive coverage, contribution stability, and unique features such as a 50 % rebate on the ambulatory and dental portion from day one. The brochure closes with branding statements, contact information, and a call to action, positioning HanseMerkur as a 145‑year‑old, community‑oriented insurer.
Topics
Debunking Common PKV Myths: Children, Unemployment, and Age
Identifies three prevalent objections to private health insurance – high cost with children, insecurity during unemployment, and unaffordable premiums in old age – and provides counter‑arguments supported by data and policy references.
Historical Contribution Trajectory: GKV vs. PKV
Presents tables showing the rise of statutory contributions from 1980 to 2024 and compares the average annual increase of PKV premiums (≈5.5 %) to the steeper GKV growth, emphasizing the relative cost advantage of PKV.
Erosion of GKV Benefits Over Four Decades
Lists concrete reductions in the statutory benefit catalogue (e.g., introduction of co‑payments for medication, hospital stays, reduced wage‑continuation) and highlights hidden disadvantages such as longer waiting times and limited alternative‑medicine access.