The health fund's optional tariff: commitment, termination and switching

Optional tariffs of the statutory health fund (such as deductible or premium tariffs) can come with a multi-year commitment. That can make switching funds harder. But there are limits to the commitment and special cases in which you can still switch or terminate.

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Certain optional tariffs bind you to the health fund for several years. Tariffs for sick pay, on the other hand, have a shorter commitment. Check which commitment period applies to your tariff.

Despite an optional tariff, special terminations are possible, for example on an increase of the supplementary contribution. Even within the commitment there are routes if special reasons exist, check your options carefully.

What you should do now

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1. Check the tariff and commitment
Clarify which optional tariff applies and how long the commitment period runs.
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2. Check a special termination
If the fund raises the supplementary contribution, a special right of termination can apply, even with a running optional tariff.
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3. Weigh the switching benefit
Compare possible advantages of a switch with premiums or deductibles you would lose in the optional tariff.
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4. Declare the termination
Declare the termination on time and ensure uninterrupted insurance cover when switching.

How to spot the scam

You overlook a multi-year commitment when taking out the optional tariff.
A wish to switch fails because of the commitment, although a special right of termination would exist.
An insurance gap arises when switching.

Frequently asked questions

How long am I bound to an optional tariff?

That depends on the tariff. Certain optional tariffs (for example deductible or premium tariffs) can bind you to the fund for several years, sick pay tariffs shorter. Check the specific commitment period of your tariff.

Can I switch funds despite the optional tariff?

Under certain circumstances, yes. If the fund raises the supplementary contribution, a special right of termination can apply, even during the commitment to an optional tariff. Check your options before you switch.

What do I have to watch out for when switching?

The deadlines and uninterrupted insurance cover. Also weigh whether by terminating you lose premiums or advantages from the optional tariff. In case of doubt, advice at the consumer advice center helps.

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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.