Private health insurance, not the change in the private Krankenversicherung (PKV) a one-way street is generally considered irreversible step. People fear, for example, in a difficult economic situation no longer in the statutory health insurance (GKV) to be absorbed. The private krankenversicherung.de insurance Portal clarifies the mistaken belief. Earn employees a year less than 4,050 euros in the month, no longer meet a prerequisite for membership in the PKV. They are then under the so-called border of compulsory insurance and automatically return in the statutory health insurance.

From 2010, the limit of the monthly wage rises to 4.162,50 in the month. Those who earn less, must ensure in principle legally. Otherwise, the facts are self-employed and freelancers. Regardless, you are voluntarily insured income. The establishment of a social insurance contributions helps you in the event of an emergency. A mini job would be a way if this is professionally carried out. In other words, he should to a greater extent Extent than self-employment contribute to the denial of livelihood.

But it is important that the above insurance limit is not exceeded. There is therefore some gaps that can be drawn after thorough consultation with an insurance specialist in consideration for employees and self-employed persons. Seniors are bound to the car, however, actually. From the age of 55. privately insured have however the possibility in the so-called base rate. This is not higher than the maximum amount of statutory health insurance with an average of 560 euros. Insured be needy in the sense of the SGB II or SGB XII, more special to come to fruition.