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Who is entitled to the education bonus?

If you have a low income, the Federal Government will support you with vocational training with an education bonus. It consists of an award voucher and a savings voucher.

Who can receive funding?

Participation in job-related further training is eligible - provided that this has not been initiated by the employer. Those who want to qualify in the area of ​​basic education, languages, IT or to prepare for a so-called external exam can apply for the vouchers. In addition to classroom instruction, distance learning courses are also eligible.

Funding requirements are:

You must be employed for at least 15 hours a week or be on parental or care leave.
Your taxable annual income is less than 20,000 euros (40,000 euros for a joint assessment).
What does the funding look like?
An education voucher will be issued. The educational goal, the duration of the measure and the regional scope are noted on the educational voucher. You must redeem it at an educational institution of your choice as long as it is valid.

The education voucher also contains information about which further education costs (e.g. course costs or travel expenses) are covered.

Advantages and disadvantages of private health insurance at a glance!

Free choice of doctor and treatment by a chief physician, but possible risk surcharges and payment of contributions even in the event of long illness: The advantages and disadvantages of private health insurance. Those who want to switch to a private health insurer (PKV) usually expect cheaper premiums and better medical care. However, private health insurance is mainly worthwhile for young, healthy singles, because the contribution is not based on income, as in statutory health insurance, but on age, health status and the scope of benefits. The Association of Private Health Insurance currently had 42 full member companies (as of January 2014). For orientation, you will find an overview of the most important advantages and disadvantages of PKV below:

 Benefits of private health insurance 

• Depending on the tariff, inpatient single rooms and treatment by a doctor
 • Depending on the tariff, relatively high reimbursement for dentures
 • Individual compilation of insurance protection
 • Free choice of medical doctors
 • Refund of contributions if services are not used
 • Depending on the tariff, worldwide health insurance
 Disadvantages of private health insurance
• Each family member pays their own contributions
 • Obligation to pay contributions even if you are ill for more than six weeks
 • Risk surcharges or exclusions from services for previous illnesses
 • Changing health insurance is only possible to a limited extent
 • No free contribution during maternity and parenting periods
 • No accommodation costs for cures
 • Waiting times before the first insurer benefits

What does private health insurance cost?

The cost of private health insurance (PKV) depends on various factors: among other things, the desired benefits, age and state of health. For self-employed there are cheap tariffs that start at around € 300 per month. Employees can get a PKV from as little as € 200. Due to the subsidy, civil servants usually only pay up to 150 euros per month. Because of the large number of different tariffs, it is advisable to compare the providers in advance.

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