Law on the elimination of excessive social demands in the case of premium debts in health insurance
| Basic data | |
|---|---|
| Title: | Law on the elimination of excessive social demands in the case of premium debts in health insurance |
| Abbreviation: | KVBeitrSchG (no official abbreviation) |
| Type: | Federal law |
| Scope: | Federal Republic of Germany |
| Legal matter: | Social law |
| Issued on: | July 15, 2013 ( Federal Law Gazette I p. 2423 ) |
| Entry into force on: | 1 August 2013 |
| Please note the note on the applicable legal version. | |
The law for the elimination of excessive social demands in the case of premium debts in health insurance (KVBeitrSchG) is a federal law of the Federal Republic of Germany .
The law of July 15, 2013 was passed by the Bundestag on June 14, 2013 and approved by the Bundesrat on July 5, 2013. It arose from an initiative of the federal government and came into force on August 1, 2013.
content
The law concerns the area of health insurance . It is intended to help people who no longer have health insurance due to financial problems . Outstanding contributions can be waived, the late payment surcharge is reduced and an emergency tariff for privately insured persons is introduced.
Admission until December 31, 2013
Compulsory health insurance has existed for statutory health insurers since April 1, 2007, and for private health insurances since January 1, 2009. People who have not had health insurance since the beginning of compulsory health insurance have to register with a health insurer by December 31, 2013. According to the federal government, this affects around 130,000 people in Germany who have no health insurance and who often have high debts to health insurers.
Reduction of the late payment penalty
The law includes, among other things, the reduction of the increased late payment surcharge of 5% per month up to 2013 for premium debts in health insurance to the regular late payment surcharge of 1% for statutory health insurance contributors.
With regard to the interest on outstanding contributions, the Federal Government announces:
“To ensure that the contributions are paid, a late payment penalty of five percent had previously been levied. This applies to every commenced month in arrears. Due to the late payment surcharge, the arrears have become even higher. "
In future, only the regular late payment surcharge of one percent should therefore apply. The statutory annual interest rate would then be only twelve percent instead of 60.
Partial debt relief
Partial debt relief in relation to contribution debts for so-called subordinate insurers is also part of the regulation.
With regard to the debts, the Ärztezeitung writes: "Anyone who reports to a health fund by December 31 will be waived the arrears contributions since April 2007 and late payment surcharges of five percent per month." In total, around 600,000 people owe contributions.
Emergency tariff
In addition, the standard introduces an emergency tariff for those insured in private health insurance .
criticism
Around a month after the end of the admission period, consumer advocates complained that debt relief was making slow progress. The health insurance companies processed the claims of those affected slowly so that they could not repay their debts. In addition, the deadline until the end of 2013 was set too short.
Web links
- Text of the law on www.buzer.de
- Legal text
- Process flow
Individual evidence
- ↑ Deutsche Apothekerzeitung ( online )
- ↑ Debt trap eliminated. Federal Government, September 18, 2013, accessed December 10, 2015 .
- ↑ Over- indebtedness of health insurance contributions , accessed on April 24, 2014.
- ↑ Doctors newspaper ( online )
- ↑ Basic information about the process on bundestag.de
- ↑ Federal Council approves law against excessive late payment penalties
- ↑ NAHDRAN - Mensch.Ararbeit.Gesundheit, p. 19
- ↑ Health insurance: Debt relief is being implemented slowly ( memento of the original from April 24, 2014 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. from February 7, 2014 on finanzen.de, accessed on April 24, 2014.
