A lot of health insurance tariffs in Germany will increase in 2022 – Is a switch now worthwhile?
18 health insurance companies will increase their prices in 2022: The contributions to your health insurance will likely increase in 2022. But not only the price is decisive. Especially against the backdrop of the Corona pandemic, most insurance companies have already sent their members a notification letter informing them of the impending increase. Should you then be thinking about switching your insurance company?
A comparison of health insurance companies: the additional premiums for these will increase in 2022
Not all health insurance companies have yet given information on the prices in 2022, as reported by Stiftung Warentest. With eighteen health insurance companies that will charge more money for their services from January 2022, the increases in additional contributions are up to 0.70 percent, according to Check24.
|Health insurance companies||Increase in the additional contribution (in percent):|
|AOK Bremen / Bremerhaven||0.30|
|AOK Rhineland / Hamburg||0.50|
|AOK Rhineland-Palatinate / Saarland||0.40|
|Company health insurance company PricewaterhouseCoopers||0.22|
|BKK B. Braun Aesculap||0.20|
|BKK BPW Bergische Axes KG||0.50|
Health insurance calculator
On the Stiftung Warentest website, the so-called health insurance calculator can be used to compare health insurance contributions directly. In their test, the consumer experts were concerned not only with the price for 2022, but also with the additional services offered by the individual health insurers.
Health insurance contributions are generally increasing because treatment costs in the health system are constantly increasing. Therefore, there will also be premium adjustments in 2022. Around a quarter of those with private insurance are affected.
Whether travel vaccinations or skin screening, the additional benefits should definitely be considered when choosing a health insurance company.
Health insurance price: The additional premium for these insurance companies will decrease in 2022
In the new year 2022, the average additional contribution will remain constant at 1.3 percent. In addition to price increases, some health insurance companies are also lowering their prices.
|Health insurance companies||Reduction of the additional contribution (in percent):|
|BKK Gildemeister Seidensticker||-0.30|
|BKK City of Augsburg||-0.30|
|BKK ZF & Partner||-0.35|
|Continental company health insurance fund||-0.15|
|Energy company health insurance fund||-0.08|
The statutory health insurance companies are obliged to provide care, which is why around 95 percent of the medical service is the same, reports Stiftung Warentest. For example, for those under the age of 18, all health insurance companies cover the full cost of hospital stays.
Health insurance 2022: When switching, you shouldn’t just look at the price
Changing health insurance providers can save you money. Depending on the income, up to a hundred euros and more can be saved here. But you should not only consider the price as the basis for a switch. Your health insurance company could have other perks especially when in comes to dental insurance in 2022.
Switching health insurance is mostly straightforward. An application to the desired new health insurance company is often sufficient. The new health insurance company will then clarify the formalities that arise. However, you should not forget to inform your employer. Watch out for more changes to the health insurance market that are bound to happen in 2022.