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Emergency

Health insurer raising the supplementary contribution? You may switch

Your health insurer is raising the supplementary contribution? You do not have to accept it: when contributions increase, you have a special right of termination, and you can switch to a cheaper statutory fund without losing coverage.

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Your chances of getting your money back

If the fund raises the supplementary contribution, you can terminate as of the end of the month after next (special termination right), even if the regular minimum commitment of 12 months is not yet fulfilled (§ 175 SGB V).
The scope of benefits is largely the same across all statutory funds, so you save by switching without losing important benefits. The new fund usually handles the switch itself.

What you should do now

  1. 1

    1. Check the increase

    From when does the higher supplementary contribution apply? Your special right of termination applies from that point.

  2. 2

    2. Choose a new fund

    Compare supplementary contributions and any bonus programs or extra benefits and choose a cheaper fund.

  3. 3

    3. Terminate or declare membership

    In practice it is often enough to apply for membership at the new fund. It cancels the old one for you. Otherwise, terminate yourself within the deadline.

  4. 4

    4. Secure confirmation

    Watch for the termination confirmation and a seamless transition of coverage.

Frequently asked questions

Can I switch health insurers because of the supplementary contribution?

Yes. If your fund raises the supplementary contribution, you have a special right of termination and can switch as of the end of the month after next, regardless of the otherwise applicable minimum commitment of 12 months (§ 175 SGB V).

Do I lose benefits when I switch?

No, not in substance: the statutory benefits are largely identical across all funds. Differences exist mainly in extra benefits and bonus programs. The switch is usually handled for you by the new fund.

Take action now

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.