How much does private health insurance cost for teachers?
As a teacher, do I have to stay in statutory health insurance, or can I take out private health insurance as an alternative? What are the costs associated with private health insurance for teachers?
In order to discuss this question, it is first necessary to determine whether you are a salaried teacher or a civil servant. If you earn less than the compulsory insurance limit as an employed teacher, you are subject to compulsory insurance with the statutory health insurance company and must remain there. You have no other option. You share the costs of statutory health insurance with your employer. Only when you earn more than the compulsory insurance limit does you, as an employed teacher, have the free choice between voluntary membership in the statutory health insurance fund or switching to private health insurance for employees.
The situation is different if you are a civil servant or a teacher. Teachers with civil servants and trainee teachers are free to opt for statutory or private health insurance, regardless of their salary. Private health insurance often has the advantage that it is cheaper for you.
Exactly how expensive private Active health insurance is for civil servant teachers can never be answered as there are too many individual factors that matter. Nevertheless, I would like to give you a few examples so that you can get an impression of how the contributions are made up and what to look out for.
Trainee teachers receive preferential conditions from most private health insurers up to the age of 39 since earnings during the candidate period are still low, and private insurance should still be easy to finance. The conversion to the full tariff for civil servants then takes place when the teacher becomes a civil servant on probation.
In contrast to statutory health insurance, your salary generally plays no role in the costs of private health insurance. Three criteria are decisive for private health insurance for teachers: your starting age, your state of health, and your subsidy rate. These basic criteria can be used to determine the costs for health insurance companies.
A 26-year-old teacher in Bavaria who is entitled to 50 percent of the benefits would like to take out private health insurance. She would like a single room with private medical treatment and the supplementary allowance tariff. There are no previous health conditions. It is, therefore, possible to take out private health and nursing care insurance from around 265 euros per month. If you want a very high-quality private insurance cover as a teacher, the monthly fee is around 320 euros.
If you are entitled to a higher amount of aid, the monthly contribution will, of course, decrease. If our teacher has two children, there is a 70 percent entitlement to assistance in Bavaria, and therefore only 30 percent must be covered by private health insurance. In this case, private health insurance can be taken out from around 190 euros. For a very high-quality insurance cover, the teacher would have to invest around 240 euros per month. As of January 1st, 2013, gender no longer plays a role in the calculation of premiums.
Would you like to find out how much private health insurance for teachers will cost you?
Of course, as a teacher with civil servant status, you can also opt for voluntary membership in the statutory health insurance scheme. However, the costs usually exceed the contribution for private health insurance because civil servants in the statutory health insurance fund have to pay the full contribution to compulsory health and nursing care insurance. There are only exceptions in five federal states – here; the employer contributes to the medical costs via the so-called flat-rate allowance.
In statutory health insurance, in contrast to private health insurance, the salary is decisive for the calculation of the contribution. For an A13 position (experience level 5), our teacher from the example above receives around 4,600 euros per month. Then the full contribution to the GVK (15.2 percent – including additional contribution – for example, Techniker Krankenkasse) and the amount for compulsory nursing care insurance (3.3 percent) are due. This means that the civil servant teacher pays around 850 euros a month if she remains in the statutory health insurance fund. Even with excellent insurance cover, it was only 320 euros in the above example in private health insurance. The monthly saving between statutory and private health insurance (with top protection) amounts to 530 euros per month. In addition to the services, the costs are therefore an essential aspect,
As mentioned above, trainee teachers receive private health insurance discounted contributions. For example, private health insurance for a 23-year-old trainee in Lower Saxony costs 80 euros a month (50 percent entitlement to benefits, no previous illnesses with a single room, and private medical treatment during a hospital stay and supplementary benefit tariff), while the contribution to statutory health insurance is around 270 euros amounts. Therefore, private health insurance often makes sense for civil servant candidates in the teaching profession, but here too, it is important to analyze the individual situation before making a final decision. We also offer a non-binding and independent cost and benefit comparison of private health insurance for teacher trainees. You will receive this from us completely free of charge.
The monthly premium for private health insurance for teachers and teacher trainees depends on your starting age, your state of health, and your subsidy rate. Based on these individual criteria, it is never possible to say in general what a PKV costs for teachers. In addition, the scope of services also plays a role. You can calculate the costs without obligation by making a personal comparison of private health insurance companies.