Child insurance
In the context of health insurance, child follow-up insurance is the legally privileged insurance cover for a newborn child who is registered with the same insurance company with which at least one parent is already insured. If the child is insured with another company, this is called child alone insurance .
Statutory health insurance
The rules about whether a child can be insured by law or must meet § 10 SGB V . Additional insurance is not necessary for newborns as long as the mother - or, in the case of married parents, both parents - are insured in the statutory health insurance. As part of the family insurance, the child is usually included free of charge, at least if the mother or married parents are compulsorily insured. If the income of a parent who is not subject to compulsory insurance or who is privately insured is above the annual income limit , the child can only be insured voluntarily against their own contribution, which would also have to be paid under private health insurance.
Private health insurance
There is no automatic follow-up insurance with private health insurance . According to Section 198 of the Insurance Contract Act, the insured person can apply for admission of the child retrospectively within two months of the birth. The insurance conditions can stipulate that at least one parent has been insured with the relevant private health insurance provider for a certain period of time when the child is born. This time may not exceed three months. If you are accepted later after the application has been submitted within two months, the costs will be covered retroactively from the birth. The insurance coverage of a newborn child may not be higher or more comprehensive than that of the parent insured with the company within the scope of this statutory contract obligation . The insurance cover begins without a waiting period and without a health examination; it begins with all consequences from birth.
In terms of the insurer's obligation to contract, an adoption is equivalent to a birth, provided that the child is still a minor at the time of the adoption. The only difference: if the insurer has an increased risk of medical expenses due to previous illnesses of the adopted child, he may - unlike with his own newborn - charge a maximum risk surcharge equal to the normal premium. Private health insurance must therefore not cost more than double the regular premium, even in the case of severe hereditary diseases or consequential damages.
If the child is to be insured with a higher quality or with a different company than the parents are, these legally regulated admission obligations do not apply. Many societies do not take in children alone or only under additional conditions. A health check and surcharges or exclusions for previous illnesses are always included (as with the admission of adults).
Individual evidence
- ↑ Information on child insurance with a list of the conditions of the companies , accessed on July 30, 2014