Healthy mix

Collective self-folds of maintenance, premium refunds and bonus programs to help save hard. The top offers. Of temporary amnesia suffered by many politicians. Even Health Minister Philipp Rösler has befallen the occasional forgetfulness - at least when it comes to prevention. Early in his tenure, he promised to establishing a new prevention strategy. "We heard nothing from this so far, however, criticized the president of the Federal Kneipp, Marion Caspers-Merk, the department chief. In the current draft of the health reform did not dive on the notion that ex-Secretary of State said in the Federal Ministry of Health.

Useful side effect Not only Caspers-Merk writes Prevention large. The statutory health insurance (SHI) flat out to motivate their clients with loyalty programs to healthy behavior. It currently pumps about 340 million euros in promoting health. A good investment prevented, but prevention against serious diseases, which helps AOK & Co., to reduce the expenditure associated expensive therapies. Bonus programs for primary prevention such as back schools, Non smoking and stress reduction seminars, together with screening to keep people not only longer fit and extend their lifetime.
As a positive side effect, they also offer financial benefits as GKV-members can get back with the help of some of the posts. The principle: an insured to collect fitness seminars or to screening points that they can exchange them for cash prizes. The highlight: "let loyalty schemes are now many funds and with the election rates for deductibles and premium refunds combine what the premium decreases annually depending on the health insurance to more than 1400 euros," says Thomas Lemke, director of the German financial services institution (DFSI) in Cologne.

Retention and bonus But in which cash is the saving potential in relation to the risk of having to write due to illness, the premiums for deductibles and premium refunds to the wind, the greatest? To answer this question, the DFSI has picked exclusively for FOCUS-MONEY the cash with the best and most customer-friendly tariff suits for four content classes. First choice in the study were DAK, hkk, Securvita and IKK classic.
Insured expect from their insurance fund that she puts creativity on the day. This is the conclusion reached, the current study "brand health barometer" of the market researcher YouGovPsychonomics. These demands is the DAK with their collective "DAKpro Balance" section. He is a combined product of retention and bonus program. Depending on the monthly gross of the customer bears the cost, up to a maximum amount of annual 120, 240, 360 or 550 € is not itself count towards the deductible legal screening measures, such as cancer screening, vaccinations and medical services such as hospitalization or drugs - a big plus for family - all medical services for non-contributory co-insured spouse and children. The courage rewarded the deductible, DAK dependent on the content with a basic premium of at least 60 €. Good values ​​in terms of body weight, blood pressure, blood sugar and cholesterol to bring additional 60 €. For participation in a study and participation in the recommended screening again beckon for 30 €. The program "DAKgesundAktivBonus" additional premiums are collected. may enroll in the "ProBalance" also insured family members. A recording at any time, the contractual minimum term is three years.
The biggest savings for SHI members with higher earnings, however, offers currently Securvita health insurance. Insured monthly salary of 4000 €, the focus of the deductible and contribution refund rate with the bonus program can Securvita, then collect the three years up to 4301 €. The driving force behind this is "Health Miles". Hardly a bonus program is so profitable and extensive as that of Securvita. Anyone who does a lot of sports, feeds well, neither smokes nor drinks, and regularly participates in seminars pension will be rewarded by the Hanseatic League with up to 600 € per year. Because prevention does pay. One more reason for Minister Rösler, to call the subject back into memory.....