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Health care insurance law
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• Introduced on 1 January 2006
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• Abolition of distinction between private and public insurance
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• Insurance under private law with public limiting conditions
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• Obligation for every citizen to take health insurance
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• Risk adjustment
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Insurance policy
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• Free choice between insurance organisations
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• Basic package (identical for everybody)
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• Choice between in-kind and restitution policy
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• Additional insurance (no obligation to accept, not necessarily with same insurer as basic package)
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• Choice of deductible (min. €100, max. €500)
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• No-claim premium restitution
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• Collectives (via work or other) get premium reduction up to 10%
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