How can I defend myself against a decision from the health insurance company?
December 14, 2023 | 50,00 EUR | answered by Friedhelm Schröter
Dear lawyer,
my name is Lilli Krebs and I recently received a notice from my health insurance company stating that my benefits are going to be cut. I have been receiving benefits from my health insurance for many years due to a chronic illness and rely on this financial support to ensure my medical care.
The notice from the health insurance company has left me very concerned and unsure. I do not understand why my benefits are being cut and how I can challenge this decision. I currently feel alone and do not know how to defend myself against this notice.
I have already tried to inquire with my health insurance company over the phone, but the employees could not provide me with a satisfactory answer. Therefore, I am reaching out to you for professional support and advice. How can I defend myself against this notice from the health insurance company? Are there ways to appeal the notice or file a complaint? What steps do I need to take and what deadlines do I need to be aware of?
I ask for your help as I urgently need assistance to receive my benefits from the health insurance company and ensure my medical care. Thank you in advance for your help and advice.
Sincerely,
Lilli Krebs
Dear Mrs. Krebs,
I understand your concerns and uncertainty regarding the decision of your health insurance. It is important for you to know that as an insured person, you have certain rights and can challenge decisions made by your health insurance. In your case, if your benefits are being reduced, there are various ways in which you can respond.
Firstly, it is advisable to carefully review the decision of your health insurance. All reasons for the reduction of your benefits should be stated there. It is important that you understand why this decision was made in order to argue against it effectively. If the decision seems unclear to you, you can request a detailed explanation in writing from your health insurance.
If you do not wish to accept the decision, you have the option to file an objection within a period of one month after receiving the decision. The objection should be formulated in writing and should include all relevant information and arguments against the reduction of your benefits. It is advisable to seek legal advice to ensure that your objection is legally sound.
After you have submitted your objection to the health insurance, they will review the case again and make a decision on whether the reduction of benefits is justified or not. If the health insurance does not grant your objection, you have the option to file a lawsuit with the Social Court within a certain period. Again, it is advisable to seek advice from a specialized lawyer to increase your chances of success.
It is important to know that you are not alone in this problem and that you can seek professional support. As a lawyer specialized in social security law, I am here to assist you with your concerns and provide you with guidance and support.
I hope that this information is helpful to you and encourages you to challenge the reduction of your benefits. Please do not hesitate to contact me if you have any further questions or need my assistance.
Best regards,
Friedhelm Schröter
