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Kianusch Ayazi
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What amount of damage is appropriate to claim from an

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What amount of damage is appropriate to claim from an insurance company who put me at risk through incorrectly processing health insurance?

Dear Client,

Thanks for your message.

In general, only damages you actually suffered and that you can prove will be compensated for under German law. Should you have suffered any concrete pecuniary loss, that you can prove, due to the breach of duties of the insurance company, you will be entitled to a compensation at the same amount.

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Kind regards,

Kianusch Ayazi, LL.B. (Bucerius Law School)
- Rechtsanwalt -

Kunde: hat geantwortet vor 8 Tagen.
Thank you. If by pure luck i have suffered no damage but was put under high risk for a period of time, can i claim damages due to potential unlimited risk?

Thanks for your message.

Unfortunately, a mere risk of suffering a damage does not justify a claim for damages.

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Kunde: hat geantwortet vor 8 Tagen.
are you absolutely sure? what about if the health insurance knowingly broke social security law by failing to insure people who should be covered under statutory insurance. there surely has to be some consequences?

Thanks for your message.

Yes, under German law you can only claim factual damages but no damages for abstract risks incurred due to a breach of duties.

If the health insurance knowingly acted in contravention of social security laws, you may bring the matter to the attention of the supervisory authority or to the attention of the prosecution service. This will lead to criminal and/or adminstrative sanctions.

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Kunde: hat geantwortet vor 8 Tagen.
what prosecution service can i bring the matter to please? because this concerns public insurance, i personally am not in any position to win any case against the insurance company. what route should i take here? is there any public body who will pursue prosecution on my behalf?

What is the name of the insurance company?

Kunde: hat geantwortet vor 8 Tagen.
tk
Kunde: hat geantwortet vor 8 Tagen.
technike krankenkasse

Thanks for your message.

You may contact the federal supervisory authority:

Bundesversicherungsamt (BVA)

Friedrich-Ebert-Allee 38
53113 Bonn
Tel: 0228 / 619-0
Fax: 0228 / 619-1870
www.bundesversicherungsamt.de

You should bring the matter to their attention. They will then take steps to investigate the matter and initiate legal steps should need be. There will be no costs for you. The supervisory authority has the duty to act by law.

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Kunde: hat geantwortet vor 8 Tagen.
thank you. is this the only public body? i have already raised a case here.

This is the supervisory body for that insurance company. You may also contact your local prosecution office or police station if you suspect criminal activities.

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Kunde: hat geantwortet vor 8 Tagen.
local prosecution service being? the state attorney's office?

You should contact the Staatsanwaltschaft.

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Kunde: hat geantwortet vor 8 Tagen.
thank you very much. in a case like this would you recommend me hiring a lawyer and going to court? would there be any lawyer who would pursue a case like this on a fee contingent on winning?

I would not recommend you hiring a lawyer as you will not be able to claim any damages, so there will be no financial advantage for you. As far as sanctions are concerned, the above authorities will handle the matter.

Contingency fees are not very common in Germany and only allowed under limited circumstances. You will hardly find an attorney willing to handle the matter on a contingency basis.

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Kunde: hat geantwortet vor 8 Tagen.
ok, thank you very much for your help.