Attention pensioners: This is how you avoid high costs in health insurance!

Attention pensioners: This is how you avoid high costs in health insurance!

Mecklenburg-Vorpommern, Deutschland - Good day, dear readers! When it comes to retirement, many are looking for clear information about their health insurance. A current judgment of the Mecklenburg-Western Pomerania State Social Court is now causing a sensation and throws a light on the strict regulations for the health insurance of the pensioners (KVDR). [Rentenchlesid24.de] (https://rentenchlesid24.de/renten application-so-schuetzen-sich-vor-der-costfalle-krankenversicherung/) reports that the pre-insurance period is not to be underestimated and who does not meet it must count on lifelong disadvantages.

The court ruling, dated July 3, 2024, concerns a plaintiff who submitted his pension application on September 30, 2015. The old -age pension was then granted to him from January 1, 2016. From 1993 to 2006 he was privately insured and was only legally insured from March 2007. In 2017, the health insurance company found that the plaintiff had not fulfilled the required 9/10 pre-insurance period. Despite the crediting of child -rearing times, he was missing in the calculation for over two years.

The importance of pre -insurance times

What does that mean for normal consumers? In order to receive access to the KVDR, you need a permanent connection to statutory health insurance during the second half of the working life. According to [Finkenbusch.de] (https://www.finkenbusch.de/ Vorfersicherungzeit-in-der-kvdr-ende-der framework/) this phase must be at least 90 percent documented by membership or family insurance in statutory health insurance.

The framework period ends with the application for the old -age pension. During this time, the pension application signals the exit from working life, which results in the examination of the compulsory insurance. However, if you do not reach the 9/10 regulation, you will be faced with the full contributions as a voluntary member-this can also affect rental income or company pensions. Some helpful tips are required here in advance!

preventive measures

There are some valuable advice for prospective pensioners: It is advisable to carefully examine the health insurance times before the application is confirmed. If there are gaps, it can be worthwhile to postpone the pension application in order to create a lack of mandatory times, for example by a statutory insurance. [Renten-trentenberater.de] (https://rente-trentenberater.de/krankenversicherung/Isurance contribution law/303-krankenversicherung-der-tml) supplements that times of family insurance or compulsory membership, private insurance times do not.

It is obvious that early planning and professional advice are crucial here in order not to fall into the contribution trap in old age and to avoid unwanted financial burdens. If you have any further questions, you can contact the legally approved pension consultant who will help you with all the matters around the pension insurance.

We hope that this article will give you a better insight into the complicated matter of health insurance in retirement age and that you can prepare well for your future!