There are many changes in the new year again. The year 2012 brings the contribution assessment ceiling and the insurance limit (JAEG) with adjustments in addition to many other changes in the insurance sector. The contribution assessment ceiling affects primarily high-earning workers. Since the limit of 44.550 euros gross per year to 45.900 raised, this means that the income of workers, whose income exceeding this value lies, now more used to three per cent for calculating insurance contributions. On the other hand, it is now even harder to change for workers in the private health insurance. Because while one had to earn 2011 49,500 euro gross in the year, there are 50.850 euro in 2012 after all.

While private health insurance offers numerous advantages for high-wage workers. One can take far more services, as in the statutory health insurance. Costs for dentures, Visual AIDS and naturopath treatments will be refunded according to the tariff. In addition is also available in the stationary area of special services as the Chief Physician treatment or accommodation in a single or twin room. On the other hand can be sometimes a lot of contributions save. Because private health insurance contributions instead of income will be charged. Rather, age, health status and sex of the insured person included in the calculation. So especially younger workers without serious pre-existing conditions in part substantially less premiums paid.

However, applies here to note that in the private health insurance contributions at the age increase, but this has no influence on the legal health insurance contributions. For there is no non-contributory family co-insurance in the private health insurance about children or spouse. Who so chooses private health insurance, should do so with caution. Definitely worth a previous insurance comparison and advice from an independent insurance experts. To find not only a cheap, but also a powerful fare that suits your needs. J.