Strict Standards: gentle_log::referrer(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/common.inc.php on line 338

Strict Standards: Non-static method gentle_log::referrer() should not be called statically in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/common.inc.php on line 338

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: date(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/configuration/kv_form.inc.php on line 316

Strict Standards: output_handler::finish(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/outputhandler.class.inc.php on line 346

Strict Standards: Non-static method query::get_string_array() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/outputhandler.class.inc.php on line 346

Strict Standards: query::get_string_array(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/query.class.inc.php on line 198

Strict Standards: Non-static method query::get_instance() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/query.class.inc.php on line 198

Strict Standards: output_handler::finish(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/outputhandler.class.inc.php on line 350

Strict Standards: Non-static method query::get_field_array() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/outputhandler.class.inc.php on line 350

Strict Standards: query::get_field_array(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/query.class.inc.php on line 268

Strict Standards: Non-static method query::get_instance() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/query.class.inc.php on line 268

Strict Standards: output_handler::finish(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/outputhandler.class.inc.php on line 355

Strict Standards: Non-static method plugin_handler::load_plugins() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/outputhandler.class.inc.php on line 355

Strict Standards: plugin_handler::load_plugins(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/pluginhandler.class.inc.php on line 38

Strict Standards: Non-static method system_debug::add_message() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/pluginhandler.class.inc.php on line 38

Strict Standards: system_debug::add_message(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/system_debug.class.inc.php on line 99

Strict Standards: Non-static method system_debug::get_instance() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/system_debug.class.inc.php on line 99

Strict Standards: plugin_handler::load_plugins(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/pluginhandler.class.inc.php on line 38

Strict Standards: Non-static method system_debug::add_message() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/pluginhandler.class.inc.php on line 38

Strict Standards: system_debug::add_message(): It is not safe to rely on the system's timezone settings. You are *required* to use the date.timezone setting or the date_default_timezone_set() function. In case you used any of those methods and you are still getting this warning, you most likely misspelled the timezone identifier. We selected 'Europe/Berlin' for 'CET/1.0/no DST' instead in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/system_debug.class.inc.php on line 99

Strict Standards: Non-static method system_debug::get_instance() should not be called statically, assuming $this from incompatible context in /homepages/45/d128578227/htdocs/krankenversicherung-indiviudell-de/include/system_debug.class.inc.php on line 99
Private Krankenversicherung (PKV)
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Weitere Informationen und Neuigkeiten zum Thema Krankenversicherung und Gesundheit.

Weitere Infos

Private Krankenversicherung

Informationen zur privaten Krankenversicherung

Bei der privaten Krankenversicherung (PKV) können sich Angestellte und Arbeiter versichern, wobei der Gesetzgeber ein jährliches Bruttoeinkommen oberhalb der Versicherungspflichtgrenze (52.200 EUR Jahreseinkommen beziehungsweise 4.350 EUR Monatseinkommen) vorschreibt. Selbstständige können sich ohne Berücksichtigung Ihres Einkommens frei für die private Krankenvollversicherung entscheiden.

Vergleichen Sie Preise und Leistungen - schnell, bequem und kostenlos.

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In der privaten Krankenversicherung muss sich jedes Familienmitglied selbst versichern, d.h. für jedes zusätzliche Mitglied erhöht sich in der Summe der Versichertenbeitrag. Die Beitragseinstufung erfolgt individuell aufgrund von Alter, Geschlecht und Gesundheitszustand für das jeweilige Versicherungsniveau. Im Allgemeinen gilt der Grundsatz 'Je jünger (und gesünder) der Versicherungsnehmer ist, desto geringer ist der zu zahlende Beitrag'.

Die Behandlungskosten eines Arztbesuches werden bei Bagatellfällen üblicherweise vom Versicherungsnehmer vorgestreckt und dann vom Versicherer erstattet. Höhere Rechnungen können gleich an den Versicherer durchgereicht werden, der seinerseits dann den Arzt bezahlt. Analog zahlt der Versicherte bei Medikamenten den tatsächlichen Preis und reicht anschließend das Rezept zur Erstattung ein.

Leistungen

Die Leistungen der privaten Krankenversicherung variiert natürlich je nach Gesellschaft. In der Regel werden einige Maßnahmen erstattet, die von der gesetzlichen Krankenversicherung nicht oder nur zum Teil übernommen werden. Dabei ist die medizinische Notwendigkeit einer Behandlung oder Medikation ausschlaggebend.

Versicherbar ist (abhängig vom Tarif)

  • Ein- oder Zweibett-Zimmer bei stationärer Behandlung
  • Freie Wahl der Klinik
  • Behandlung durch den Chefarzt
  • Zahnersatz (Hochwertige Kronen, Füllungen und Prothesen)
  • Kieferorthopädische Behandlungen
  • Sehhilfen (Brillen, Kontaktlinsen)
  • Alternative Behandlungsmethoden und Medikamente
  • Zuzahlungsfreie Massagen und Physiotherapie
  • Befreiung von der Zuzahlung bei Medikamenten
  • Krankenkassenvergleiche

Darüber hinaus werden privat Versicherte zum Teil von einer bevorzugten Behandlung profitieren, was zum einen daran liegt, dass Ärzte für ihre Leistungen höhere Sätze berechnen dürfen, zum anderen gelten bei Privatpatienten nicht die Verordnungsvorschriften und Budgets der gesetzlichen Krankenversicherung.

Unterschiede zwischen PKV und GKV

  • Familienangehörige von Mitgliedern ohne eigenes Einkommen sind in der GKV beitragsfrei mitversichert. Bei der PKV ist für jede versicherte Person ein separater Beitrag fällig.
  • Bei der gesetzlichen Krankenversicherung richten sich die Beiträge prozentual nach dem Arbeitsentgelt (Lohn, Gehalt, Provision) bis zur Versicherungspflichtgrenze. Bei der privaten Krankenversicherung wird der Beitrag nach dem persönlichen Krankheitsrisiko (Alter, Geschlecht, Beruf, Gesundheitsstatus) berechnet.
  • Gut verdienende Alleinstehende erhalten in der PKV in der Regel günstigere Tarife als in der GKV.
  • Da die Einkünfte aus der Behandlung von Privatpatienten entscheidend zur Wirtschaftlichkeit einer Praxis oder einer Klinik beitragen, kommt es vor, dass Privatversicherte beim niedergelassenen Arzt (z.B. separate Sprechstunden für Privatversicherte) und im Krankenhaus (z.B. Einzelbettzimmer) bevorzugt behandelt werden.
  • Einige Leistungen werden von der GKV im Gegensatz zur PKV nicht oder nur teilweise bezahlt, wie zum Beispiel nicht rezeptpflichtige Arzneimittel, Sehhilfen oder Zahnersatz.
  • Alle Versicherten haben in der GKV bei gleichem Status den gleichen Leistungsanspruch
  • Die GKV ist abhängig vom Sozialgesetzbuch, d.h. die Politik kann die Leistungen jederzeit beschränken bzw. einzelne Leistungen ganz streichen (Staatsmedizin, Planwirtschaft).
  • Klagen gegen eine GKV erfolgen vor den Sozialgerichten und sind kostenfrei.
  • PKV-Versicherte können nicht jederzeit zurück in die GKV. Dazu müssen Sie noch unter 55 Jahren alt und ihr Einkommen unter die Beitragsbemessungsgrenze gesunken sein.
  • PKV-Versicherte können bei Unzufriedenheit nur mit erheblichen finanziellen Nachteilen zu einem anderen PKV-Unternehmen wechseln, weil sie älter wurden, evtl. inzwischen Krankheitsvorfälle hatten und ihre Altersrücklage nicht angerechnet erhalten.
  • PKV-Versicherte können auf die Höhe ihres Beitrages durch Anpassung ihrer Leistungsansprüche und die Höhe eines etwaigen Selbstbehalts Einfluss nehmen.

Quelle: Wikipedia

Vergleichen Sie Preise und Leistungen verschiedener privater Krankenversicherer - unverbindlich und kostenlos.

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