Exemption from compulsory health insurance

One of the essential prerequisites for private full health insurance is that the policyholder is not required to be insured under statutory health insurance. This requirement is met if the insured person earns an income from self-employed or freelance work, for example as a civil servant, or as an employee who has a regular income that was higher than the compulsory insurance limit for at least three years in a row. The compulsory insurance limit is a guideline that is set annually and determines when there is a compulsory insurance for employees and salaried employees and when it is not. In principle, membership in a private health insurance policy ends when the insured person becomes subject to compulsory insurance again. However, there is the possibility of continuing private health insurance through an application for exemption from compulsory insurance. Such an application can be made by those who are subject to compulsory insurance because the compulsory insurance limit is increased, because they are not fully gainfully employed during parental leave or because their working hours are reduced by more than half, for example as part of partial retirement, but they are shortened within the have not been subject to compulsory insurance for the past five years or more. In addition, the exemption from the because the compulsory insurance limit is increased, because they are not fully gainfully employed during parental leave or because their working hours, e.g. as part of partial retirement, are reduced by more than half, but they have not been subject to compulsory insurance within the last five years or more. In addition, the exemption from the because the compulsory insurance limit is increased, because they are not fully gainfully employed during parental leave or because their working hours, e.g. as part of partial retirement, are reduced by more than half, but they have not been subject to compulsory insurance within the last five years or more. In addition, the exemption from the compulsory insurance can be applied for if the retirement age is reached, a career-promoting measure, a course of study, an internship or a job as a doctor is included in an internship or the insured person works in an institution for the disabled. If unemployment occurs or if the insured person receives unemployment benefit II or maintenance payments, they can be exempted from compulsory insurance if they have had private health insurance for the past five years. The exemption from the compulsory insurance must be applied for within three months after the commencement of the compulsory insurance and is irrevocable, which means that a return to the private health insurance is excluded until a new situation arises that justifies compulsory insurance. If the compulsory insurance limit is raised, for example, which would make a privately insured employee compulsory, he can apply for an exemption from compulsory insurance and continue his private health insurance. However, if he were to become unemployed, he would have to be insured again and would have to submit a new application.