Return to health insurance: overview of rights and obligations

Von Kl Redaktion

Return to health insurance can be a challenge, especially for those who have previously left their contracts for various reasons. But there is hope for uninsured persons: you have the right to register again with your previous health insurance company. This applies to both legal and private health insurance.

important return options

Anyone who has been excluded from statutory health insurance (GKV) can comfort themselves that the statutory health insurance companies are obliged to accept all persons subject to insurance. Barbara Weber, an expert at Finanztip, emphasizes: "The statutory health insurance companies have to absorb everyone who is subject to insurance in the SHI." This means that people who were previously legally insured can return without difficulty as long as they meet the requirements.

privately insured returnees

The return is a little more complicated for privately insured persons. Here it is necessary to report back to private health insurance (PKV), but as a rule, they are obliged to accept formerly privately insured persons at the basic tariff. Barbara Weber makes it clear that the PKV has to accept returnees in the basic tariff, but may not make it an offer for a regular tariff, especially if it concerns the applicant's health or if open payments have not yet been paid from the past.

The importance of debt regulation

An important aspect that returnees should consider, are the financial obligations that result from the past. Any debts must be paid for both when returning to the SHI and the PKV. However, it should be noted that claims for a certain time expire; in the GKV after four years, in the PKV after three years. This offers a certain relief for those affected who are trying to be insured again.

overall relevance

The possibility of insureing yourself back after a loss of insurance is not only of individual, but also significant importance. Extended access to health services is crucial to promote general health and to reduce costs in healthcare in the long term. Without access to health insurance, many people face the risk of remaining uninsured, which can have serious health and financial consequences.

Finally, it can be seen that the return options for health insurance are clearly regulated both by law and privately. Informed those affected can take the right steps to ensure that they receive access to necessary medical care even in difficult times.

- Nag