Cash registers: No civil insurance at the expense of legally insured persons

The introduction of a citizens insurance is not that easy. Apart from legal problems, it can be expensive for the state and funds, and thus for the legally insured.

Berlin (dpa) – The statutory health insurance (GKV) defends itself against the introduction of a favored by the SPD citizens insurance at the expense of its contributors. The obvious problems of private health insurance (PHI) should not be resolved on the back of the contributor to the statutory health insurance, said the CEO of the GKV-Spitzenverbandes, Doris Pfeiffer, the German Press Agency.

Above all, Pfeiffer had in mind considerations that privately insured officials should receive individual change options in the statutory health insurance. In addition, the higher doctor’s fees for private insurance, so the considerations, possibly at the expense of legally insured to be angelichen, if the PKV is replaced.

On the side of the statutory health insurance, there are quite reservations against the inclusion private insured. Because if the change is voluntary, the changers are mostly those who use their cheap private health insurance plan in their early, healthy years, and then, when the contributions to the private and health decreases, want to go to the statutory.

The calculations about additional costs for health insurance or savings for the state are different. However, according to experts, saving effects will only take effect in the long term. This is aimed primarily at civil servants. They are usually privately insured and can afford it because the public employer is providing them with the allowance for their medical expenses so they can keep contributions low.

Officials receive from the employer between 50 and 80 percent of the allowance for medical expenses – a welfare principle of the state dating back to the 19th century. By the end of 2016, of the 8.77 million privately insured citizens, 4.31 million were eligible – ie civil servants, pensioners or their dependents.

If this aid were to be completed in the long term, public employers would continue to pay part of their statutory health insurance contributions, currently 15.6 per cent of their gross salary, to their civil servants. But that should be well below the direct costs of medical care. However, there is still the legal problem of whether the billion-dollar reserves of private can be taken into the statutory insurance.

The head of the Techniker health insurance (TK), Jens Baas, said the dpa: "We have to look very closely at how the transition to a single insurance market can be made." According to him, PKV in its present form is not viable. "Sooner or later we have to find our way into a unified insurance market." In the first years of his opinion, such a tax can become more expensive for the state. In the long term, however, should be expected with a significant discharge.

Pfeiffer was annoyed that the services provided by the GKV to the private health insurance company would be badly talked about. "Whether there is a public insurance or not, the policy will decide. However, I find it annoying that it is said again and again that the supply in the statutory health insurance is allegedly worse and therefore, for example, officials can not be expected."

The chairman of the Civil Servants Association (dbb), Ulrich Silberbach, said the dpa: "The SPD’s Unified Insurance Model neither solves the financial or structural problems of statutory health insurance, nor does it bring more justice."

Left-boss Bernd Riexinger called on the SPD to make strong in the interest of the citizens for the abolition of the two-class medicine strong. The Left is committed to a solidary citizens’ insurance in which all deposit, including civil servants, politicians and well-earning self-employed.

The chairman of the board of the AOK-Bundesverband, Martin Litsch, stated: "The GKV ensures that our healthcare system is one of the most modern in the world. By contrast, private health insurance has several problems, a cost problem, a quality problem and a financing problem. It can not be the task of the GKV to solve these problems."

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