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Was ist eine private Krankenversicherung?

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Der Begriff private Krankenversicherung steht für die Gesamtheit der privatrechtlich organisierten Krankenversicherungsunternehmen, die eine Absicherung gegen Krankheitskosten anbieten. Im Unterschied zu gesetzlichen Krankenkassen versichern private Krankenversicherungsunternehmen nur abhängig Beschäftigte, deren Bruttoeinkommen oberhalb der gesetzlichen Versicherungspflichtgrenze liegt. Darüber hinaus können sich auch Selbstständige, Freiberufler und Beamte bei privaten Krankenkassen versichern.

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Was leistet eine private Krankenversicherung?

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Die Private Krankenversicherung kann als Voll- oder Teilversicherung abgeschlossen werden und unterscheidet sich von der gesetzlichen Krankeversicherung in der Regel durch grundlegende Unterschiede im Leistungskatalog. Eine Vollversicherung übernimmt die gesamten Krankheitskosten des Versicherten. Eine Teilversicherung sichert nur einen Anteil der Krankheitskosten ab. Die Vielfalt an unterschiedlichen Tarifen ist groß. Der Beitrag ist unter anderem abhängig vom gewählten Versicherungsschutz und einer gewählten Selbstbeteiligung.

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Kontakt

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