Backdating means setting the cancellation date of your Private health insurance (PKV) policy earlier than the current date, usually to end a period where you were covered by both Private health insurance (PKV) and Public health insurance (GKV). Your Private health insurance (PKV) policy counts as inactive from the backdated date onward, so any reimbursement we already paid for treatment after that date has to be returned to us. Before choosing a date, compare the premiums you would save against the reimbursements you would repay. Medical costs from the backdated period go to your Public health insurance (GKV) provider instead of to us, provided the doctor or clinic treats publicly insured patients.
What does backdating a Private health insurance (PKV) cancellation mean?
Backdating means setting the cancellation date of your Private health insurance (PKV) policy to a date earlier than the current date. From that date onward, your Private health insurance (PKV) policy counts as inactive, exactly as if it had ended then.
Why would I need to backdate my Private health insurance (PKV) cancellation?
Backdating comes up when you were covered by Private health insurance (PKV) and Public health insurance (GKV) at the same time and you don't want to pay 2 premiums for the overlapping period. Public health insurance (GKV) membership often starts from the date your employment or studies began, which can be earlier than the date your Public health insurance (GKV) provider confirms it. Your Private health insurance (PKV) policy keeps running in the meantime, which creates the overlap.
What should I check before requesting a backdated Private health insurance (PKV) cancellation?
Because your Private health insurance (PKV) policy counts as inactive from the backdated date onward, check the following before you choose a date:
Any reimbursement we already paid for treatment dated after the backdated cancellation date has to be returned to us, because the policy was no longer active when those costs were incurred.
The total you would repay can be higher than the premiums you would save, so a later cancellation date is sometimes the less expensive choice.
Choose a date no earlier than the start of your Public health insurance (GKV) coverage, because a period with neither policy active would leave you uninsured.
What happens to medical claims from the backdated period?
You will need to submit those costs to your Public health insurance (GKV) provider, provided the doctor or clinic treats patients covered by Public health insurance (GKV). Doctors and clinics that treat only privately insured patients bill differently, so confirm how the treatment would be billed before you request the backdated cancellation.
You can contact our support team for more assistance or additional resources.