The Federal Administrative Court has said members of private health insurers may surcharge-free within the same insurance company switch to a better deal.
According to insurance contract law Supplements are already prohibited by tariff changes. But laws are finally there to be circumvented by, probably thought so many insurers.
It was previously common practice following method: At regular intervals, the rates were modified, recalculates and as favorable opportunities especially for new customers placed on the market. Simultaneously, the old tariffs were closed to new entrants. Consequence: While younger Customers in the Neutarife boarded, the customers of Alttarife were older. With increasing age, the cost of health, which in turn led to an increase in the contribution Alttarife ...
saying only that so many existing customer wanted to join the new lower rate. Piffige private health insurers such as Allianz made, now that this is completely different calculated and assessed the surcharge rate structure. Speak, a standard risk premium for the current health of the voluntary exchange.
No, said now the Federal Administrative Court (reference: 8 C 42.09). To qualify in the new tariff is the sole state of health, which is found in the initial policy entry, is important! insured persons who were previously in good health and therefore also classified according to the new criteria would have, regardless of their current health status are entitled to a surcharge-free tariff change.
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