or: I am now cheap. the difference between desire and truth the first part of the article title is set very often heard in discussions. This results for various reasons and is quite understanding. Just the young and healthy customers / prospects of for private health insurance want to save re-auditing money, (the opinion) are never sick and therefore consider a “cheap” protection in the car. Experience in the performance management have mostly never collected them, they were still healthy. Even for this reason, many service components such as AIDS, cure, abroad, or consecutive treatment are still very far away. See pension and a pair of glasses can you anything, but imagine a prosthesis? Is a later change possible? Basically, several questions need to be distinguished.
As a general rule only once: any performance improvement in private health insurance requires a new risk and health assessment. It is no matter whether only the excess will be reduced or individual services to be adapted and improved. A change of the tariff (in one with better performances) thus always leads to a new exam. Health issues are provided, then carried out a risk assessment and a surcharge for pre-existing conditions adopted or rejected also a change. There are ways to make the transition? A change for health reasons is not possible or a (high) supplement is taken by the insurer, so it can be quite useful to use SG & a rate change to section 204. This provides a way to change the tariff at least under certain conditions.
However, performance improvements are also virtually excluded hereby. For improvement in health has deteriorated, there are options in the treaties but so-called (AC) or it can as option module will be completed (for example the futura in the German ring, the JokerFlex at the Halle).