Best health insurance for families: extras are crucial

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In the financial test of Stiftung Warentest 21 statutory health insurance funds were tested in terms of their additional benefits for parents and children as well as pregnant women. Which is the best health insurance for parents, the test shows. However, families or expectant parents should weigh well whether a change is worthwhile.
 
 
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Additional benefits of the health insurance play an important role for families

Anyone who has children or plans to start a family should not compromise on the insurance benefits of the statutory health insurance. For many families and pregnant women, it is worthwhile to take a closer look at the additional benefits of the statutory health insurance . Because the providers subsidize different extras and set individual priorities.

In addition to the legally stipulated standard benefits, health insurances design around five percent of the supply itself. This is where there are enormous differences. Which health insurance is particularly suitable for parents with children or pregnant women, families are usually difficult to recognize. Therefore, the financial test (2/2016) in a test 21 statutory health insurance companies took a closer look and determined which is the best health insurance in pregnancy and for families.

Best health insurance for parents, children and pregnant women: So was tested

In search of the best health insurance for parents and pregnant women, just under a sixth of all statutory health insurance funds was examined more closely. There, however, 75 percent of all legally insured members. The main focus is on selected additional services .

In the category “extras for parents and children”, three different benefits were compared with each other: participation of the health insurances in the costs of a maid , costs for early detection examinations (U10, U11, J2) as well as alternative medicines . Financial test, especially for pregnant women, to determine whether the health insurance undertakes the following extra services in addition to the legal requirement:

Best health insurance for families: AOK Plus and TK convince in the test

The best health insurance for Familiem belongs to the AOK Plus, as it offers the services requested and with 15.2 percent has a low contribution rate . For example, it covers the costs of a home help for up to 364 days in case of illness. Parents who value alternative medicine are also in good hands with the AOK Plus. Because the provider pays prescribed by the doctor alternative drugs from the 12th to the 17th year of life.

Service: Use the health insurance comparison computer to get a quick overview of the services of low-cost health insurance.

Best health insurance for families: Test does not take into account all extra services

While the AOK Plus is only open in Saxony and Thuringia, the technicians can convince health insurance among the funds that are accessible throughout Germany . Compared to the local health insurance but it is more expensive, since the contribution rate is 15.6 percent. In addition, many other funds offer in the current comparison of the financial test good performance. However, since not all health insurances were taken into account in the test , it is worthwhile for parents an individual health insurance comparison. In addition, some statutory health insurance companies offer more or other extras than were taken into account in the current investigation of Finanztest .

Best health insurance for pregnant women: Maximum 450 Euro reimbursement

With the extras for pregnant women convince the offerers AOK Northwest (regionally open) and IKK Classic . The latter, for example, reimburses a total of 450 euros for the extras for midwife call readiness, medically recommended minerals and additional examinations such as a neck pleat measurement in the embryo. However, both the AOK Nordwest and the IKK Classic with a contribution rate of 15.7 and 16.0 percent are not among the cheapest health insurance in 2017. So whether the change is worth depends on the benefits of the current health insurance. Pregnant women can easily ask them. If the cashier does not offer satisfactory extras , the bill of exchange is an alternative.