Zusatzbeiträge in der Gesetzlichen Krankenversicherung / Income-independent Surcharges in German Statutory Health Insurance

2014 ◽  
Vol 234 (4) ◽  
Author(s):  
Manuel Kallweit ◽  
Anabell Kohlmeier
Keyword(s):  
Health Insurance ◽  
Overlapping Generations ◽  
Statutory Health Insurance ◽  
Compensation Scheme ◽  
Insurance Scheme ◽  
Flat Rate ◽  
Financial Consequences ◽  
Expenditure Increase ◽  
German Statutory Health Insurance ◽  
Further Development

SummaryExpenditure of the German statutory health insurance scheme will increase significantly in the future. In order to keep the system financially sound, current law plans to levy income independent surcharges. These will be complemented by a tax-financed social compensation scheme. In this paper, we analyse the effects of such surcharges on revenue on Germany’s statutory health insurance using a general equilibrium model with overlapping generations. Afterwards, we further develop the surcharges up to a flat rate employee contribution and ascertain their financial consequences and their employment and growth effects. The allocative effects of such a further development are positive. They will be more considerable if the introduction begins earlier and ends quickly. A moderate expenditure increase and a smaller shape of the compensation scheme will intensify these effects.

Die Berücksichtigung von Kindern in den Sozialversicherungen: Reformvorschläge auf dem Prüfstand

2015 ◽  
Vol 64 (3) ◽  
Author(s):  
Susanna Kochskämper
Keyword(s):  
Health Insurance ◽  
Social Insurance ◽  
Statutory Health Insurance ◽  
Future Generations ◽  
Pension Scheme ◽  
Insurance Scheme ◽  
Number Of Children ◽  
Additional Burden

AbstractHow to treat families within the German pay-as-you-go financed social insurance systems - this question is repeatedly discussed. A closer look on the statutory pension scheme as well as the statutory health insurance and the care insurance scheme reveals indeed, that people without children are treated to generously within these systems. This will place an additional burden on future generations. Therefore, reforms are necessary. In the statutory pension scheme benefits can be related to the number of children a person raised. In the statutory health and in the statutory care insurance scheme a second, capital funded pillar can be introduced.

Sex Differences in Treatment Patterns of Six Chronic Diseases: An Analysis from the German Statutory Health Insurance

2008 ◽  
Vol 17 (3) ◽  
pp. 343-354 ◽  
Author(s):  
Stephanie A.K. Stock ◽  
Björn Stollenwerk ◽  
Marcus Redaelli ◽  
Daniele Civello ◽  
Karl W. Lauterbach
Keyword(s):  
Sex Differences ◽  
Health Insurance ◽  
Chronic Diseases ◽  
Statutory Health Insurance ◽  
Treatment Patterns ◽  
German Statutory Health Insurance

Personal Responsibility for Health — Developments Under the German Healthcare Reform 2007

2007 ◽  
Vol 14 (3) ◽  
pp. 241-250 ◽  
Author(s):  
Harald Schmidt
Keyword(s):  
Health Insurance ◽  
Healthcare Reform ◽  
Statutory Health Insurance ◽  
Focal Point ◽  
Personal Responsibility ◽  
Chronically Ill ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Term Care

AbstractAppeals to personal responsibility for health are controversial in many countries, especially in those that have publicly funded healthcare systems.In Germany, personal responsibility has traditionally been a focal point in the statutory health-insurance scheme. The most recent healthcare reform under the motto 'prevention before treatment, rehabilitation, and long term care' came into force on 1 April 2007 through the Gesetz zur Stärkung des Wettbewerbs in der gesetzlichen Krankenversicherung (GKV-WSG — "Law to strengthen competition among providers of statutory health-insurance scheme"). In significant parts, the law has given further emphasis to the role of personal responsibility. Implications of three important changes are discussed: (1) insured persons may no longer claim free treatment for complications arising from certain 'lifestyle choices'; (2) chronically ill and cancer patients face more stringent compliance requirements or face higher co-payments; and (3) insured persons may cash 'no-claim bonuses' if over at least one year they do not require hospitalisation or prescription medicines.Previous emphasis on personal responsibility has had relatively broad support in Germany. The long-term acceptability of the new measures will depend on several factors, including the structural and financial impact on different providers of statutory health insurance, and the capacities and opportunities of different groups in society to make use of the new provisions.

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