Hello Everybody,

I am presently on the verge of moving out from my DKV Reisekrankenversicherung and I am evaluating various options to have me and my child insured afresh. My income allows me to go for Privat versicherung, so my consideration covers both Private and Public insurance.

As I understand,
Private: depends on my chosen tarif
Public: 13.8% of my gross monthly salary (with a ceiling of 3600 euros).

I am aware that this 13.8% is set to become 14.6% from Jan 2009, but what I was not knowing is that this 3600 max limit might also go higher.

If this happens, then my monthly premium under Public might threaten to overtake what I have to pay under Private.

Wouldn't it be then wise for me to opt for Private? Request you to kindly share your valuable ideas please.

Cheers.

If you have family - forget private insurance. Even if you pay less now - in a few years private will overtake state insurance - doesn't matter what tariff you choose. And once you go private - you cannot go back unless your income drops bellow the limit for 12 months.