vielen Dank für ihre Angebote – ich

vielen Dank für ihre Angebote – ich werde diese am kommenden Wochenende ausgiebig studieren und mir insbesondere die Vor- und Nachteile einer privaten Krankenvollversicherung durch den Kopf gehen lassen.

Auf die Schnelle habe ich folgende Anmerkungen:

(1) Zur Krankenzusatzversicherung:

Es interessiert mich sehr was der Baustein Ambulant von Allianz beinhalten würde und wie hoch die Zusatzkosten ausfallen.

Ich habe einen Ausdruck von HUK vorliegen, indem deren AZZ Premium Plus (90% Zahnersatz, freie Arztwahl, 100 EUR Krankenhausgeld und 100 EUR Krankentagegeld >7 Wochen) für alle zusammen 320,63 EUR p. M. kosten würde. Richtig vergleichbar sind die Leistungen nicht… Bei ihnen fehlt derzeit der Ambulante Teil; und bei der HUK gibt es pauschal 100 EUR pro Tag im Krankenhaus und damit müssen Mehrkosten für ein privates Zimmer abgedeckt werden.

Eine Frage dumme Frage zur Abrechnung: Darf ich in Deutschland generell eine Arztrechnung privat begleichen, die Rechnung dann selbst an die GKV schicken und abgelehnte Beträge weiter an die Zusatzversicherung leiten? Oder muss der Arzt immer direkt an die GKV belasten?

(2) Zur Krankenvollversicherung:

Hier sind sie die Gebühren von Allianz nicht wettbewerbsfähig. Ihr Tarif (AkiMed P90) hat 500 EUR Selbstbeteiligung, 75% Zahnersatz und Unterbringung im 2-Bett-Zimmer - für alle drei Personen 1456,47 EUR p. M.

HUK Komfort Plus kostet zusammen 1388,32 EUR p. M. mit nur 300 EUR Selbstbeteiligung, 80% Zahnersatz und Unterbringung im 1-Bett-Zimmer. Und das obwohl ich bei der HUK keine Historie habe und zudem keinen Daimler Nachlass von 4.5% bekomme. Habe ich hier etwas übersehen?

結果 (英文) 1:

Thank you for your offers - I'll study it extensively next weekend and let me especially the pros and cons of private health insurance through my head. Quickly, I have the following comments: (1) for the supplementary health insurance: It what the module would include outpatients from Alliance and how high, the additional costs are very interested in me. I have a print by HUK are, by their AZZ premium plus (90% dentures, free choice of doctor, hospital money of 100 EUR and EUR 100 daily sickness allowance > 7 weeks) for all together 320,63 EUR p. M. would cost. The services are not properly comparable... With them, the outpatient part; is currently missing during the HUK, there are flat rate 100 EUR per day in the hospital and thus more cost for a private room must be covered. A question silly question to the settlement: I may in Germany generally privately pay a medical bill, send the invoice then to the statutory health insurance and further forward rejected amounts to the additional insurance? Or must charge the doctor directly to the statutory health insurance? (2) to the health insurance: Here, they are not competitive the fees by Alliance. Their collective (AkiMed P90) has EUR 500 excess, 75% dentures and accommodation in a 2-bed room - for all three people 1456,47 EUR p. M. HUK comfort plus costs 1388,32 EUR p. M. with only EUR 300 deductible, 80% dentures and accommodation in a 1 bedroom together. And although I have no history in the HUK and 4.5% discount get also not Daimler. Did I miss something here?

結果 (英文) 2:

. Thank you for your Listings - I will study them thoroughly next weekend and in particular leave me the pros and cons of private healthcare insurance go through your head On the fly I have the following comments: (1) The health insurance: It interests me very much what the block Outpatient Allianz would include and how high the fees. I have before me a printout of HUK by their AZZ Premium Plus (90% dentures, free choice of doctor 100 EUR hospital money and 100 EUR sickness allowance> 7 weeks) for all the 320 63 EUR p. M. would cost. Correct comparable benefits are not ... With them currently lack the Outpatient part; and at HUK there is a flat rate EUR 100 per day in the hospital and thus additional costs for a private room must be covered. A question stupid question for billing: May I in Germany generally pay a medical bill privately, send the bill then even on the SHI and rejected governmental fees and other direct you to the insurance? Or the doctor must always weigh directly to the SHI? (2) For the full health care coverage: Here they are not competitive fees of the alliance. Your tariff (AkiMed P90) EUR 500 has excess, 75% dentures and accommodation in 2-bed room - all three persons 1,456.47 EUR p. M. HUK Comfort Plus costs together 1388.32 EUR p. M. with 300 EUR deductible, 80% dentures and accommodation in a 1 bed room. And although I have no history at HUK and also get no Daimler estate of 4.5%. Did I miss something here?

結果 (英文) 3:

thank you for their offers – I will extensively study these on the coming weekend and me in particular the pro and cons of a private patient full insurance through the head go will let.

Auf the fast one I have the following notes:

(1) for patient additional insurance:

It interests me much which the component ambulatory from alliance would contain and as highly the additional costs to fail.

Ich has an expression of HUK to be present, by their AZZ Premium plus (90% denture, free choice of doctor, 100 EUR hospital money and 100 EUR sick days money >7 weeks) for all together 320.63 EUR p. M. would cost.The achievements are not correctly comparable… With them at present the ambulatory part is missing; and with the HUK are there overall 100 EUR per day in the hospital and thus must extra costs for a private room be taken off.

Eine question stupid question for account: I may generally settle a doctor's bill in Germany privately,the bill then to the GKV of fancy and rejected amounts to the additional insurance continue to lead? Or does the physician have to load always directly to the GKV?

(2) for patient full insurance: more

Hier they are not competitive the fees of alliance. Its tariff (AkiMed P90) has 500 EUR self participation, 75% denture and accommodation in the 2-Bett-Zimmer - for all three people 1456,47 EUR p. M.

HUK comfort plus costs together 1388.32 EUR p. M. with only 300 EUR self participation, 80% denture and accommodation in the 1-Bett-Zimmer. And although I do not have with the HUK history and besides no Daimler deduction of 4.5% get. Did I survey something here?