Zur Dualität von GKV und PKV / The Future of Private and Public Health Insurance in Germany

Zur Dualität von GKV und PKV / The Future of Private and Public Health Insurance in Germany Summary The center of the article deals with the future of the public and private health insurance system in Germany. It analyses therefore both the statutory fund system and the private health insurers. Particular emphasis is put on the Social Health Insurance Competition Strengthening Act 2007 according to which Private Health Insurances will be more affordable for lower income individuals by requiring private insurers to offer a basic benefit package at lower premiums. The idea of managed care has gained momentum in German discussions on health care reform over the past years. Managed care and stronger patient guidance are believed to improve quality of care and to control costs by increasing coordination and the efficient use of health care ressources. In this new environment the question of a possible privatization of the Statutory Fund System arises, a development the Dutch health care system just accomplished. The core idea is to build up non-profit-organisations with integrated care models on the basis of private law. The cons and pros of a new legal framework for the German health insurance system are carefully discussed. Whereas new forms of care may result in less choice for patients, they enable payers to contract selectively and to become players responsible for quality and efficiency of services. http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png Jahrbücher für Nationalökonomie und Statistik de Gruyter

Zur Dualität von GKV und PKV / The Future of Private and Public Health Insurance in Germany

Zur Dualität von GKV und PKV / The Future of Private and Public Health Insurance in Germany


Jahrbücher f. Nationalökonomie u. Statistik (Lucius & Lucius, Stuttgart 2007) Bd. (Vol.) 227/5+6 Zur Dualität von GKV und PKV The Future of Private and Public Health Insurance in Germany Von Klaus-Dirk Henke, Berlin JEL I11, I18 Health insurance, Social Security, Competition Strengthening Act 2007, benefit package, adverse selection, health care. Summary The center of the article deals with the future of the public and private health insurance system in Germany. It analyses therefore both the statutory fund system and the private health insurers. Particular emphasis is put on the Social Health Insurance Competition Strengthening Act 2007 according to which Private Health Insurances will be more affordable for lower income individuals by requiring private insurers to offer a basic benefit package at lower premiums. The idea of managed care has gained momentum in German discussions on health care reform over the past years. Managed care and stronger patient guidance are believed to improve quality of care and to control costs by increasing coordination and the efficient use of health care ressources. In this new environment the question of a possible privatization of the Statutory Fund System arises, a development the Dutch health care system just accomplished. The core idea is to build up non-profit-organisations with integrated care models on the basis of private law. The cons and pros of a new legal framework for the German health insurance system are carefully discussed. Whereas new forms of care may result in less choice for patients, they enable payers to contract selectively and to become players responsible for quality and efficiency of services. Zur Finanzierung der Absicherung von Lebensrisiken In der Bundesrepublik Deutschland gibt es, ähnlich wie in anderen europäischen und außereuropäischen Ländern, eine Sozialversicherung, deren Haushalte vom Grundsatz her getrennt von den Haushalten der...
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Publisher
de Gruyter
Copyright
Copyright © 2007 by the
ISSN
0021-4027
eISSN
2366-049X
DOI
10.1515/jbnst-2007-5-607
Publisher site
See Article on Publisher Site

Abstract

Summary The center of the article deals with the future of the public and private health insurance system in Germany. It analyses therefore both the statutory fund system and the private health insurers. Particular emphasis is put on the Social Health Insurance Competition Strengthening Act 2007 according to which Private Health Insurances will be more affordable for lower income individuals by requiring private insurers to offer a basic benefit package at lower premiums. The idea of managed care has gained momentum in German discussions on health care reform over the past years. Managed care and stronger patient guidance are believed to improve quality of care and to control costs by increasing coordination and the efficient use of health care ressources. In this new environment the question of a possible privatization of the Statutory Fund System arises, a development the Dutch health care system just accomplished. The core idea is to build up non-profit-organisations with integrated care models on the basis of private law. The cons and pros of a new legal framework for the German health insurance system are carefully discussed. Whereas new forms of care may result in less choice for patients, they enable payers to contract selectively and to become players responsible for quality and efficiency of services.

Journal

Jahrbücher für Nationalökonomie und Statistikde Gruyter

Published: Oct 1, 2007

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