Bonuses and reimbursements from health insurance companies: What citizens’ benefit recipients need to consider

Bonuses and reimbursements from health insurance companies: What citizens’ benefit recipients need to consider

According to a report from www.gegen-hartz.de, those with statutory health insurance have the option of receiving a portion of the contributions paid back through an optional tariff with a premium refund. This tariff does not exclude preventive examinations and vaccinations. Some health insurance companies also offer bonus payments and bonuses for health-conscious behavior. The amount of reimbursement varies depending on the health insurance company and can be up to 600 euros per year. The question arises as to whether these bonus and premium payments are counted towards the citizen's allowance.

The bonus and premium payments from health insurance companies aim to promote health-conscious behavior. Members can receive financial benefits by participating in bonus programs, for example by covering the costs of fitness gadgets or studio memberships. Some health insurance companies offer bonus payments of up to 400 euros. These payments are not counted as income towards the citizen's allowance and may be kept.

Contribution refunds from statutory and private health insurance companies are also not counted towards citizen's allowance as income as long as the insured person does not use any services that are not preventive for a period of one year. The legal basis for this earmarked income is set out in Section 53 Paragraph 2 of the Social Security Code V.

However, there are premiums that are paid to members due to the health insurance company's good economic situation and are counted as income as a one-off income from the citizen's allowance. If bonuses or refunds are incorrectly counted as income, it is advisable to file an objection and point out the intended nature of the income.

Overall, health insurance companies' bonus and premium payments show a trend toward rewarding and promoting health-conscious behavior. This means members can receive financial incentives to take care of their health without this additional income being counted towards the citizen's allowance. This can help to increase the well-being of those insured and reduce healthcare costs in the long term.