Stiftung Warentest points out that the change within the private health insurance can be associated with significant advantages. Moving to a new provider, is often difficult, but the change to a different tariff for the same provider is absolutely possible. A new test, the health insurer in this case only then ask if the new tariff offers more benefits than the old.
Since the companies themselves alternative and cheaper rates for customers tell rarely offers the Stiftung Warentest all change possible Umsteigetarife interested in the individual insurers. Since the review is individual for each insured, is a concrete contribution, provided not possible, but changing existing customers pay will be less than new customers.
With the help of a questionnaire the insured on the website of the foundation Warentest specify which services are important to them in the private health insurance and how they can do without. These concerns include the question of single-vs. Shared rooms, refunds vision aids, dental care, etc.
Stiftung Warentest also points to a ruling of the Federal Administrative Court, after which neither increases nor a high additional health check without improved services Neutarif with an internal change not allowed are (ref. 8 C 42.09).
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