Zur Bedeutung der Wettbewerbsrolle im Gesundheitswesen
AbstractThe German private health insurers (PKV) face different obstacles for a further successful development. On the one hand the PKV system lacks from adequate incentive structures to overcome forms of moral hazard and supplier-induced demand which becomes more relevant with respect to demographic- related care. On the other hand PKV must develop new business models for a demand-driven health care market. The latter challenge also threats the statutory health care insurers but their market powers as well as some governance reforms in the past have strengthened GKV-insurers in order to get more efficient. At least, PKV has to adapt its own business strategy to be prepared for the main topic of future health care: implementation of innovation within a continuous demographic change.