Get Money Back From Your Health Insurance
Benefit from the bonus programs of health insurance companies and stay healthy with regular check-ups.
When the practice fee disappeared again in 2012, it became obvious: the health insurance companies are swimming in money. As the contribution to be paid is based on the patient’s own gross income, it is not possible to determine the amount to be paid. But you don’t have to get sick first to benefit from the services of the health insurance companies. In this blog article we will show you which preventive medical checkups and bonus programs can be used.
Currently, 96% of the health budget is spent on treatments – that means that only 4% of the money is spent on preventive measures. Generally known are the preventive medical checkups in childhood. Anna’s parents also received the examination booklet after her birth, which currently contains nine appointments. As a teenager, Anna then went for her tenth early detection examination, the J1 for teenagers between 12 and 14 years of age.
With the coming of age came responsibilities that Anna had never dealt with before. She was already proud when she made it to the dentist once a year. Now, in her early 30s, she rarely went to the doctor, but over the years she has paid a tidy sum into the fund. The system is supported by the solidarity of all insured persons. Anna likes that. However, she is annoyed that in times of negative interest rates the insurers sometimes even make a mess of their cash reserves. Preventive medical checkups are one way of getting the most out of your health insurance membership.
What are the most important preventive examinations for adults?
In fact, only half of women over 20 go for regular cancer screening. Among eligible men aged 45 and over, only one in five and the general health check-up from the age of 35 is used by only 17 percent of all women and men. The checkup every two years offers the opportunity to detect diseases at an early stage, which can then be effectively treated. Although the additional services offered by the statutory health insurance companies differ, there are some examinations that are all offered equally.
Additional services offered by the statutory health insurance companies
Early detection of cancer:
- Genital examination (women over 20, annually)
- Breast cancer examination (women over 30, annually)
- Mammography screening (women from 50-70, every two years)
- Prostate examination & genital examination (men over 45, annually)
- Skin cancer screening (women & men over 35, every two years)
- Colon and rectal examination (women & men over 50, annually)
Health check-up (women & men over 35)
Preventive dental check-ups (women & men from 6, semi-annual)
- Regular vaccinations for infants, children and adolescents
- Refresher vaccinations such as diphtheria and tetanus
- Indication vaccinations such as flu vaccinations or travel vaccinations
Chalmydial screening (women up to 25, annually)
Bonus programs for pensioners, sports and social
With these preventive medical checkups, however, there is not only certainty free of charge. Those who take preventive action can also be financially rewarded by the health insurance companies. How this looks in detail is different for each health insurance company. Anna’s health insurance company offers to register either for a bonus booklet, the app or the online branch. There, she can enter analog or digital measures such as blood donation, check-up, skin screening or cancer prevention. Social commitment such as a first-aid course is also recognized. If Anna also links the health data on her smartphone or fitness watch to the health insurance app, she will receive 100 bonus points for each day she has taken 10,000 steps. From just 500 points, attractive premiums are available, which can amount to up to 200 GBP for some health insurance companies.
Those who prefer to reinvest the bonus in their own health can look forward to subsidies for fitness trackers, the assumption of starting and participation fees for sporting events or private supplementary insurance from some providers. Since Anna is expecting a child, she will use the points she has collected for a birth preparation course.
And even though Anna has hardly had to make use of medical services so far, she is a little annoyed that she is only now learning about some additional services. For example, health insurance companies are offering to have her teeth professionally cleaned once a year, either through the bonus or through co-payments. Treatments such as osteopathy and acupuncture are often covered up to half of the costs and subsidised preventive cures are also included in almost every offer.
The health courses would be particularly interesting for Anna. She finds out that courses that are recognised by health insurance companies and relate to exercise, stress management, nutrition or addiction prevention can be subsidised by up to 80% by health insurance companies. Thus, subsidies for the contribution to a sports club or fitness studio can also be expected. It’s good that Anna is already seeing what she can do differently. Because not only can she save from now on, but her child will also be considered through bonus programs and special offers for families.
When co-payments become excessive
The larger Anna’s family becomes, the more costs are likely to be incurred. This could be prescription fees for medication, personal contributions for physiotherapy, massages and orthopaedic insoles or co-payments for hospital stays. In order not to overburden the family budget, it is worth calculating your own limits. This limit determines how high co-payments may be per year. Anything that was paid above this limit can be reclaimed from the health insurance fund by presenting the receipts. Anna uses an online co-payment calculator and finds out that, as a married woman and with a family gross income of 40,000 GBP, she has to pay a maximum of 687.86 GBP in co-payments. When her son is born, the contribution drops to 535.56 GBP. Proper bookkeeping can therefore be worthwhile! However, the contribution limit is intended to relieve the burden on chronically ill people and/or welfare recipients in particular.
Of course, there are of course always measures that the statutory health insurance companies do not cover. A particularly explosive case in Anna’s circle of friends is the disease lipedema. Anna’s best friend suffers from the fat distribution disorder, which causes pain and cannot be cured. Unfortunately, those affected still have to pay for liposuction themselves. As the disease is progressive, Anna’s friend has now decided not to waste any more time. The Credit company installment loan, which can also be easily taken out online, supports her in this process quickly and easily.
The Credit company instalment credit
- Credit amount from 1,000 GBP to 75,000 GBP.
- Term 12 to 84 months
- Short term = higher rates
- High maturity = lower rates
Tip: If you apply for the loan together with a partner, the interest burden may decrease.