Statutory health insurance is becoming more expensive – private as an alternative?

Statutory health insurance is becoming more expensive - private as an alternative?
Federal Health Minister Karl Lauterbach

The Social Democrats have announced higher additional contributions for statutory health insurance for 2023.


(Photo: Reuters)

frankfurt Statutory or private health insurance? For many, this question will be even more difficult to answer in the future: Statutory health insurance, which covers most of the country, will become more expensive at the end of the year.

As Federal Health Minister Karl Lauterbach (SPD) recently announced, the average additional contribution is to be raised 0.3 percentage points to 1.6 percent of gross income. A recent study suggests it may be even higher.

Civil servants, self-employed and high-income workers can alternatively take private health insurance (PKV). It provides more personalized and sometimes better services, for example in a doctor or hospital. However, it also has disadvantages that those wishing to change should be aware of.

The question arises: is it worth switching from statutory health insurance to private health insurance? The following overview provides answers to the most important questions about health insurance.

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