Was ist die Private Krankenversicherung? Mythos oder Realität? Meine Antwort: Beides!

So reiten die Medien fleißig den Mythos, dass die PKV im Alter teuer um nicht zu sagen unbezahlbar wird, weil dann die Beiträge übermäßig ansteigen. Deshalb setzen angeblich immer mehr Versicherte alle Hebel in Bewegung, um in den scheinbar sicheren Schoß der gesetzlichen Krankenkasse (GKV) zurückkehren zu können.

Doch die Realität schert sich nicht um Mythen, denn sie geschieht einfach, ob wir es nun wollen oder nicht!

Einen recht aufschlussreichen Realitätscheck, weil er sich auf interessante Fakten stützt, liefert uns in diesem Zusammenhang der Marktausblick zur Privaten Krankenversicherung 2016/2017 der ASSEKURATA Assekuranz Rating-Agentur GmbH.

Die von ihr bewerteten Unternehmen decken dabei nach vollversicherten Personen rund 60% des Marktes ab, also ein durchaus repräsentativer Querschnitt. Tendenziell stellen sie nach eigener Aussage eine Positivauswahl dar.

Beiträge im Alter

Die Quintessenz: Die PKV ist erheblich besser als ihr Ruf, denn die allgemeine Lage ist längst nicht so dramatisch, wie sie von den Medien dargestellt wird.

Es ist sicher nicht zu bestreiten, dass die Beitragsentwicklung bei einigen Unternehmen ein Problem darstellt. Aber dass deshalb gleich Millionen privat Versicherten die Altersarmut droht, ist eine reichlich abenteuerliche Schlussfolgerung.

Hierzu liefert uns die ASSEKURATA die passenden Fakten: Das bedeutet keine Explosion der Durchschnittsbeiträge bei den über 70-jährigen PKV-Versicherten, denn diese liegen bei den von ihr untersuchten Unternehmen in den Normaltarifen bei rund 420,- € (Männer) bzw. 470,- € (Frauen) pro Monat.

Das ist sicher nicht billig, aber für einen höherwertigen Versicherungsschutz, den gesetzlich Versicherte über entsprechende Zusatzversicherungen kompensieren müssen, absolut angemessen.

Davon können bei Rentnern obendrein bis zu 140,- € durch einen Zuschuss der Rentenversicherung abgedeckt werden.

Außerdem haben die Versicherten anders als in der GKV die Möglichkeit, mit Hilfe von Tarifumstellungen ihre Beitragsbelastung zu reduzieren.

Und dann gibt es quasi als ultima Ratio ja noch den Standard- bzw. den Basistarif, deren Versicherungsschutz in etwa dem der GKV entspricht.

Lt. ASSEKURATA liegt der Durchschnittsbeitrag eines Versicherten im Standardtarif bei rund 280,- € monatlich. Interessant ist in diesem Zusammenhang auch die Zahl der Versicherungskunden, die bislang diese Notbremse ziehen mussten, es sind nämlich gerade mal 45.000. Bezogen auf die Gesamtzahl aller Vollversicherten entspricht dies einem äußerst geringen Anteil von nur 0,5%. Und die Anzahl der Zugänge betrug in 2015 auch gerade mal 300 Personen.

Was hat die ASSEKURATA noch festgestellt? In Schwierigkeiten geraten hauptsächlich Selbständige und Freiberufler, weshalb Versicherer mit vielen Kunden aus dieser Klientel einen hohen Anteil an Versicherten in den Sozialtarifen, d.h. Notlagen- und Standardtarif, aufweisen.

Das Problem sieht die ASSEKURATA folgerichtig nicht in überhöhten Beiträgen im Alter, sondern in erster Linie in den wirtschaftlichen Schwierigkeiten dieser Kundengruppe, z.B. geringe Alterseinkünfte.

Und passend dazu ist die Beitragssituation für die meisten PKV-Versicherten auch in 2016 relativ entspannt, von einzelnen Ausreißern einmal abgesehen.

Ist die GKV eine Insel der Glückseligkeit?

Da bin ich sehr kritisch, denn auch GKV-Versicherte müssen ständig mehr bezahlen. So stieg der Höchstbeitrag in 2016 auf 665,29 € (inkl. Zusatzbeitrag). Wenn wir nun berücksichtigen, dass er 1970 noch bei 85,90 € und 1990 bei 343,05 € lag, wird sehr deutlich, dass die Problematik steigender Beiträge nicht auf die PKV beschränkt ist, sondern die GKV genauso betrifft.

Und vergessen wir nicht: Nahezu jede Gesundheitsreform bescherte den Kassenpatienten in der Vergangenheit Einschränkungen und Kürzungen bei den Versicherungsleistungen! Was bei PKV-Versicherten nicht ohne weiteres möglich ist, weil die Leistungen vertraglich fixiert sind.

Weiterhin ist kaum jemand bewusst, dass eine betriebliche Altersversorgung für einen PKV-Versicherten wesentlich lukrativer ist als für den GKV-Versicherten. Denn dieser muss darauf im Rentenalter über 18% Kranken-und Pflegeversicherungsbeiträge abführen.

Mythos Wachstum

Volkswirtschaftlich ist der ganze Wachstumswahn sowieso eher kritisch zu sehen. Um aus betriebswirtschaftlicher Sicht gut aufgestellt zu sein, muss ein Unternehmen nicht ständig wachsen, vielmehr müssen Umsatz und Kosten in einem gesunden Verhältnis stehen.

Dies gilt selbstverständlich auch für eine Private Krankenversicherung. Ein nachhaltig solider PKV-Versicherer zeichnet sich passend dazu dadurch aus, dass er auf aggressive Wachstumsstrategien verzichtet.

Und was die Gewinnsituation betrifft, da hat die PKV von 2012 bis 2015 trotz der rückläufigen Nettoverzinsung ausgesprochen erfolgreiche Jahre hinter sich. So weisen die meisten Anbieter eine hohe versicherungsgeschäftliche Ergebnisquote auf.

Spannend ist aber vor allem die Tatsache, dass von einem Mythos "Massenflucht in die GKV", der von den Medien wiederholt kolportiert wurde, so gar keine Rede sein kann.

Nun ist es absolut richtig, dass mehr Versicherte die PKV in Richtung GKV verlassen als umgekehrt. Allerdings liegt lt. ASSEKURATA die Hauptursache hierfür in der Zwangsverpflichtung von zwei konkreten Personengruppen. Dies sind zum einen Jugendliche, die eine Berufsausbildung beginnen und zum anderen Selbständige, die in ein Angestelltenverhältnis wechseln.

Dass Versicherte in hellen Scharen panikartig der PKV den Rücken kehren, entpuppt sich also im wahrsten Sinne des Wortes als Zeitungsente.

Fazit

Wie es bei Mythen so häufig der Fall ist, ergibt der Realitätscheck das genaue Gegenteil von dem, was über die PKV häufig in Umlauf gebracht wird.

Nutzen Sie gerne die Kommentarfunktion!

Falls sie noch mehr erfahren möchten, nehmen Sie Kontakt mit uns auf! Hier geht es zu Übersicht und hier erfahren Sie mehr über uns!

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coinmixer

Top 7 Bitcoin Mixers and Tumblers to use in 2022 and Beyond
Best Bitcoin blender 2022, Top 5 Bitcoin mixer, Top 10 Bitcoin mixer, Bitcoin mixer

Initially, Bitcoin transactions were said to be anonymous and completely private. Bitcoin is considered a payment method that cannot be tracked down. But instead, information about Bitcoin transactions is open to third parties. But what if you want to make a completely anonymous Bitcoin transaction? Well, this is where the concept of Bitcoin mixers comes into place.
Bitcoin mixers are pretty helpful when you want to protect your privacy and hide where your transactions are going.
However, this is still a pretty new concept to many. So if you are wondering what it is, here is an explanation:
What is a Bitcoin Mixer?
A bitcoin mixer or tumbler is an external service. It is basically an internet platform that offers you the mixing service for your coins.
The service mixes different streams of cryptocurrency and anonymizes it. As a result, you get to gain complete privacy of your transactions and funds. Because Bitcoin mixers make it hard to trace the transaction.
Also, in today's time, bitcoin mixer services have become a necessity. Since almost all the crypto exchanges now require your personal documents to prove your identity. As a result, your transactions are accessible.
Though there are many anonymous crypto exchanges available in the market which don't require you to do a KYC but they have their own set of challenges and risks to use.
The job of a Bitcoin mixer is to break down your funds into smaller sets and mix them up with other transactions. After this process, the recipient gets the same value in Bitcoin. But instead, they receive a different set of coins.
As a result, bitcoin tracing becomes more difficult, and the bitcoin mixer breaks the link between those specific coins and an individual.
Also, when you use Bitcoin Tumblers, you receive new coins which are not really associated with your identity. Hence, you regain your privacy.
However, bitcoin mixer services attract a small fee. But they are pretty helpful in confusing bitcoin tracking solutions tracking down your transactions.

Top 7 Bitcoin Mixers and Tumblers

1. ChipMixer

First of all, there is the ChipMixer. This one is one of the popular Bitcoin mixers available out there, which is pretty easy to use and secure. The user interface is so simple that you don't need any technical expertise to use it.
The best part of this one is that it offers you full control over mixing. Plus, the outputs are fungible, meaning that each chip is exactly the same. Also, you can withdraw your private keys instantly, and it offers you faster outputs.
Along with that, it also allows you to merge small chops into big ones. Also, its first mixer allows you to merge inputs privately.
There is also no need to sign up for an account that makes your activity completely anonymous. Also, you get a receipt of receiving funds from ChipMixer, which will act as a signed source of funds.
What's more? The service uses predefined wallets to deliver your Bitcoin. This makes tracing impossible. Also, it functions as a donation only service.

2. ULTRAMIXER

Next, there is the ULTRAMIXER. This one is one of the high-quality bitcoin mixing services available out there. The platform makes it extremely easy to mix your cryptocurrency.
FoxMixer works as a state of the art service for restoring and keeping security and privacy in the bitcoin ecosystem. It accepts your Bitcoin and mixes them in a huge and constantly changing pool of Bitcoin, and returns a new and fully independent set of Bitcoins.
As a result, it comes tough for backtracking of transactions. So no one will get to know where you have spent your bitcoins.
Along with that, it also offers you a detailed page that informs you about the current progress of every mix. So you can get quick information about the procedure.
Also, once a mix is created, the individual status page is the central and reliable source of information throughout the whole lifecycle of the mix. So you can bookmark the page to get every information about your mix.
Plus, it offers random transactions according to the current trading volume. This really helps in making your transactions blend in.

3. SmartMixer

SmartMixer is another popular service that you can try out. The service is extremely easy. All you need to do is enter the address and send coins, and the platform will mix your coins. Then the receiver will get untraceable coins.
The platform gives you 100% anonymity by deleting all the details of transactions immediately after mixing.
Along with that, the link to check the status of the mixing process will get deleted 24 after or you can delete it manually. Also, it doesn't really require any personal information from you. Or you need to create an account.
In addition to that, it uses 3 different pools with cryptocurrencies of different combinations of sources. As a result, your bitcoin becomes completely anonymous.
Moreover, SmartMixer also has affordable services fees as it only charges you 1%. The discount will be automatically calculated depending on the total amount on each currency you have mixed.
Also, it is extremely fast. As it only requires two confirmations to complete a transaction.

4. Anonymix

Up next, there is the Anonymix. This Bitcoin mixer offers you tons of features, and it is extremely easy to use. The best part of Anonymix is that it comes with speed and security.
You can simply choose a quick mix to receive your coins after one confirmation. Also, you can implement extra security by using a timed or random delay to make your coins difficult to track.
It is also a high capacity mixer. As the platform holds crypto assets in both hot and cold storage. And the mix can handle up to 180 bitcoins.
Furthermore, you can increase the security of your mix by making deposits from multiple wallets. Or send your mixed funds to up to five receiving addresses. Also, it issues a certificate of origin with every mix.
What's more? The platform also keeps zero logs. Plus, it offers you the option to delete your mix immediately. Or it gets auto-deleted after one week.

5. CryptoMixer

Next, there is the CryptoMixer. The platform offers you a letter of guarantee for every transaction, and it is extremely secure.
CryptoMixer uses advanced encryption methods to ensure the integrity of all data stored. Plus, it minimizes the risk of blockchain analysis. Along with that, it provides you with a unique code to prevent mixing their coins with the ones they've sent to us before.
Along with that, it offers you impressive mixing capabilities. It doesn't matter if you want to mix 0.001 BTC or several hundreds of coins, it offers you a convenient solution.
Also, it has over 2000 BTC in its cryptocurrency reserves. So mixing large amounts of bitcoins won't be an issue.
Along with that, it only charges 1% and more for each transaction. Also, it helps you avoid overspending as it offers you affordable fees, which are about 0.5% + 0.0005 BTC and can be customized.

6. Mixertumbler

You can also try using the Mixer Tumbler. It is one of the best Bitcoin mixers that allows you to send BTC anonymously. It uses several Bitcoin pools for low value and high-value transactions. As a result, you will receive untraceable coins.
Also, its mixer cannot be listed by blockchain analysis or other forms of research. So your coins are protected.
As well as it ensures that your identity is private, as it has a no-logs policy. Also, the platform deletes your transaction history 24 hours after your order has been executed. Plus, there is no need to sign up.
The platform also charges pretty low fees. The fees range from 1-5%. Also, you can enjoy other discounts.
What's more? The website is also tor friendly which will encrypt all your transactions and locations. So none of your information gets leaked.

7. Blender.io

Lastly, there is Blender.io. This is another easy to use Bitcoin mixer that you can try out. Also, it doesn't require you to have any pre-mixing knowledge.
The best part of the website is that it allows the users to determine how much they want to pay as a service fee. Also, it has a welcome minimum deposit fee. So you can experiment with the website.
It charges a service fee between 0.05% and 2.5%. And as a user, you can choose the amount to be paid for each transaction.
Moreover, it requires a minimum deposit of 0.01 BTC. Along with that, it is extremely fast. As it requires only one network confirmation to process your order. Additionally, you can add a delay of up to 24 hours.
Plus, it supports multiple BTC addresses. Also, it has a no data retention policy. As a result, all data gets deleted after 24 hours of executing an order.

Closing Words:
So that was all about what is a Bitcoin mixer and the top bitcoin mixers and tumblers available out there. Now go ahead and check these services out and see if they are working for you. Also, for any other questions, do feel free to comment below.
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