Statutory health insurance companies usually have an 12th month period of validity, unless another contract has been concluded with the insurance company.
The period of notice is always 2. months to the end of the month and must be in writing. e.g: Cancellation of the old insurance was made in September, then the new insurance can start on December 1st.
Important: Only after the old health insurance has confirmed the cancellation, the new insurance can be activated.
We prepare everything for you and send the applications and cancellations automatically to the respective insurance companies. Usually you have nothing else to do. However, with different health insurance companies, the cancellation confirmations are not sent to us or the new health insurance company, but go to you. We need this confirmation to activate the new health insurance company.
There are no costs for you to change to another health insurance company. Likewise, the statutory health insurance company is not allowed to charge an individual surcharge due to previous illnesses.
If you decide to choose a combination, you will have to pay the monthly fees for the additional insurances.
No, in principle, a statutory health insurance company may not refuse anybody, no matter what previous illnesses someone has.