Assistance for employees in the selection of appropriate SB a frequently asked question in the consultation. What is the right for a deductible (SB)? First of all, you are can imagine it, there is no blanket answer to this question. This should be distinguished between employees and the self-employed, first, why let me in this post only on the employees. Why do companies offer excesses (SB)? Excesses to promote cost consciousness, on the other hand save company overhead. Costs so that edit a small invoice usually significantly more than the amount of the refund. Therefore, it makes sense just to look at the premiums look like. What is there for excesses? A distinction is made between absolute and percentage-based auto investments, these can be capped or unlimited.
Also, the question which this excess accumulates differs. Offered by companies building block tariffs (tariffs so where ambulatory, stationary and) dental services separately in components can be combined are), so the SB is often only as an outpatient. In the Kompaktarifen (i.e. a rate for outpatient, inpatient and dental services) the insurer itself sets, where the SB. Here some examples to illustrate: collective spirit of the German ring: 450 EUR excess on the outpatient rate comfort + by the Deutscher ring: 20% SB up to maximum EUR 540, albeit on the ambulatory RuV agile premium: EUR 480 excess all areas, excluding checkups according to tariff Halle NK3: EUR 300 excess all areas, about 20% of psychotherapy and remedies Halle NK bonus : no SB in the strict sense, but 60 EUR bonus repayment per month, if no invoices are submitted. So "fictional SB 720 EUR AXA vital: 300 / 600 / 900 EUR SB for the ambulant and stationary area you see how diverse are the different solutions." So you see not only the height of the SB, but also the 'scope' on.
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