Independant Financial Advice - Health Insurance

Independant financial Services for SAP Staff members

Statutory versus private health insurance, dual Health system in Germany

I have been offering independent financial services & financial planning for more than
20 years. I guarantee a consulting service that is not linked to any banks or insurance companies, and we will support you in all your financial matters. When providing my service, i take account of any existing employer contributions such as company-funded pension plans, employee-funded pension, contributions to capital formation (VWL), housing loans, etc... and of any existing contracts.

he office of Isabelle Helme Individuelle Finanzberatung has moved to the SAP commercial park in St. Leon-Rot.

Office: Opelstraße 9, SAP Gewerbegebiet St. Leon-Rot +49 6227 651 33 29 or kontakt@ih-if.de

For the year 2019, the Federal Ministry of Health adapted the contribution assessment ceiling to EUR 4,737.50 . Provided that the 14,6 per cent contribution rate remains unchanged, the maximum monthly contribution to the statutory health and nursing care insurance in 2019 is EUR 889 € for the Childless. Before you decide to leave statutory Insurance System and go for private Health insurance,
you should ask for an expert financial Advisor. Contact Isabelle

This Item is very complex one and each System (Private or statutory one) has advantages and disadvantages you should be aware of. Your life planning is very important basis to discuss the suitable strategy.

Private Health Insurance

Employees with a gross income of more than € 60.750 in 2019 (corresponds to a monthly salary of € 5062 if 13 monthly salaries are paid) can take out private health insurance. A change from statutory health insurance to private health insurance should be carefully considered. In an individual face-to-face consultation, we can discuss the advantages and disadvantages of each type.

If you intend to take out private health insurance,
you can benefit from the following advantages:

Individually calculated contribution that is often considerably lower than the statutory contribution
Guaranteed benefits – for a whole lifetime
Free choice of hospital, one-bed and two-bed rooms
Free choice of doctor, treatment by the head physician
Treatment by alternative practitioners, premium-quality dental prosthesis
Daily sickness allowance
No prescription charges, no co-payments on medication
Privately insured patient status: short waiting times, quick arrangement of appointments

Private supplementary insurance

If a change to private insurance does not pay off for you, you can complement or increase the benefits you have under your statutory health insurance by private supplementary insurance:

Supplementary dental insurance
Supplementary hospital insurance
Benefits for glasses, dental treatment, alternative practitioner treatment
International health insurance
Option for health insurance
Supplementary nursing care insurance

I have been offering independent financial services & financial planning for more than
20 years. I guarantee a consulting service that is not linked to any banks or insurance companies, and we will support you in all your financial matters. When providing my service, i take account of any existing employer contributions such as company-funded pension plans, employee-funded pension, contributions to capital formation (VWL), housing loans, etc... and of any existing contracts.

he office of Isabelle Helme Individuelle Finanzberatung has moved to the SAP commercial park in St. Leon-Rot.

Office: Opelstraße 9, SAP Gewerbegebiet St. Leon-Rot +49 6227 651 33 29 or kontakt@ih-if.de