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Okt 22

Schnäpp(s)chen PKV

Sehr geehrte Damen und Herren,

die Tage erreichte mich der Newsletter eines großen Vergleichsportals mit dem folgenden Aufmacher:


Auch wenn es sowas am Markt geben sollte – und das sogar bei einer der aufgeführten Versicherungsgesellschaften – ist es möglich, zu diesem Preis ein Leben lang versichert zu sein?

In einigen der vorherigen Artikel habe ich schon einen kleinen Einblick in die Kalkulation der privaten Krankenversicherer gegeben. Die Beiträge waren aber eher allgemein gehalten und was für “Fortgeschrittene” – hier kommt nun ein Beitrag für alle Wissenstände!  ;-)

Ein jeder Versicherte verursacht in seinem Leben der privaten Krankenversicherung durchschnittlich Kosten i.H.v 200.000€ – 300.000€. Da die PKV diese Kosten auch mindestens an Beiträgen einnehmen muss, ergibt sich eine recht einfache Berechnung: Ihr Beitrag zzgl. Selbstbeteiligung x Restlebenserwartung muss diesen Kosten in etwa entsprechen.

Je nach Jahrgang gehen die Versicherer HEUTE (gem. Sterbetafel PKV 2007) davon aus, dass Männer rund 83,5 Jahre und Frauen rund 87 Jahre alt werden. Nehmen wir nun den Beispielfall 59€ Beitrag monatlich und rechnen mal!

Beispielbeitrag von 59€ gilt für:

20jährigen Mann: 59€ x 12 x 63,5  = 44.958€
-> notwendige SB wäre somit: (200.000€ – 44.958€) / 63,5 = 2.441,60 € p.a.
20jährige Frau: 59€ x 12 x 67 = 47.436€
-> notwendige SB wäre somit: (200.000€ – 47.436) / 67 = 2.277,07 € p.a.

30jährigen Mann: 59€ x 12 x 53,5 =37.878€
-> notwendige SB wäre somit: (200.000€ – 37.878€) / 53,5 = 3.030,32 € p.a.
30jährige Frau: 59€ x 12 x 57 = 40.356€
-> notwendige SB wäre somit: (200.000€ – 40.356€) / 57 =2.800,77 € p.a.

40jährigen Mann: 59€ x 12 x 43,5 =30.798€
-> notwendige SB wäre somit: (200.000€ – 30.798€) / 43,5 = 3.889,70 € p.a.
40jährige Frau: 59€ x 12 x 47 = 33.276€
-> notwendige SB wäre somit: (200.000€ – 33.276€) / 47 = 3.547.32 € p.a.

Was wäre denn, wenn es keine Selbstbeteiligung gäbe oder wenn der Tarif keine oder eine niedrigere vorsieht? Ganz einfach – Sie als Kunde zahlen im Laufe Ihres Lebens den Unterschied zwischen Ihrem jetzigen Beitrag und dem Soll-Beitrag nach… :-)

PS: NATÜRLICH hängen die Gesamtkosten in der Realität maßgeblich von dem jeweiligen Leistungsniveau des PKV-Tarifes ab und NATÜRLICH ist das hier keine fundierte, wissenschaftliche Berechnung… Es vermittelt Ihnen aber hoffentlich ein Gefühl für den “realistischen” Preis einer PKV!

Mit freundlichen Empfehlungen
Wladimir Simonov

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