Debt on health insurance is not exceptional, surprisingly it affects many people from different social strata. What should we do if we have a debt on health insurance? What does this mean for everyday life? Does the penalty always have to be paid? Will they treat us with a doctor?
How health debt can arise
Health insurance must be paid by everyone, even if the state pays health insurance (students, children, people registered at the labor office…) for a certain period of life. Debt on health insurance may arise inadvertently or intentionally. Who ignores his payment, he suspects the growing amount owed. Sometimes there is no mistake on your part, it can be on the side of an insurance company, bank or employer. Put together all the documents you need to have them at hand.
Don’t stick your head in the sand
Once you find that you owe health insurance, mainly solve the problem. Communicate with the health insurance company, do not poke your head in the sand. The problem is best to solve personally. Visit your nearest branch, make an appointment, pick up your mail. If the debt is ignored, the situation can be enforced.
Assessment of debt
Debt usually consists not only of the premium due but also of a penalty or a fine. The assessed amount may be assessed by a payment order or a statement of arrears. If you do not agree with the debt, appeal to the Court of Appeal, but you must be sure that the error is not on your side and the insurance company does not want to acknowledge it. Court costs can climb high.
Remission of the penalty payment
You will probably be charged a penalty (for each day of delay of 0.05 percent of the premium due), but you can apply for a waiver. You have a real chance of being really forgiven. Another option is at least to reduce it. However, it depends on the insurance company, whether it is willing to waive the penalty, you can not claim it.
If you have funds to pay, do not hesitate to pay the debt. If not, agree on further steps. Usually such a situation is solved by a repayment schedule. The insurance company will appreciate the effort to solve the whole situation.
Will the doctor treat me?
The statutory health insurance debt does not affect the provision of basic health care. Your doctor has a duty to treat you. As already mentioned above, the insurance company will recover unpaid premiums from you.