A disease of the insured person himself must be in accordance with the model terms for the sickness benefit insurance (MB/KT), which leads to incapacity for work 100%. Therefore, people with private health insurance workers don’t have only an entitled to unpaid time off, but on sick day cash. This would now change the SIGNAL insurance. With its new tariff of ESP – VA 43 changes the signal to the practice and now offers protection for illness of the child. In terms of the tariff, the wording of the above-quoted paragraph of the social security code were taken over largely V. It says now: excerpt part III, conditions signal thus represents the insurer the privately insured workers in this point of the statutory health insurance equal to supply.
Same conditions as for the legally insured workers apply also here. To what extent can benefits be completed? The sickness benefit must have the appropriate amount. In the insurance conditions of the signal, we find the regulations on the reduction with regard to 4 paragraph 2 part II MB/KT Signal Iduna. There are regulations on the reduction of sick pay for insurance. A sickness allowance shall not exceed the net income together with other payments. What’s the catch? The sickness allowance can unfortunately not solo be completed. Prerequisite is that there are a Kranken(Voll)Versicherung of Signal Iduna.
Also for the child must be a health insurance by the insurer (signal). Thus, the insurance option is already severely restricted. It means exactly: excerpt of part III, conditions signal a health insurance should be but not so completed, because the insurer has now a suitable benefits on offer. Also restrictions in the other formulations of part III of the conditions should be observed. Which are for example: termination options for disability continuation of the compulsory insurance contract scope eligibility of other income insurable amount of sick pay ends the contract from the insurance, because for example compulsory insurance in statutory health insurance due to unemployment, falling income, or other conditions occurs, or is the insured independently operates is the tariff must be amended. The hospital per diem rate ESP VS for Independent then unfortunately no longer includes the hospital daily allowance in disease of the child. Before you so choose a plan, an insurance company and a product for decades, take plenty of time. This study not only the brochures, but in particular the conditions and consider your for you wichtigen-criteria.