The statutory health insurance is according to the Green much better than their reputation.
Green-health expert Maria Klein-Schmeink said the editorial network Germany (RND/Friday), with reference to a new study, the benefits of private and statutory health insurance companies compared: “The recurring statement, the statutory health insurance was only second-rate, is refuted with this study.” Instead, a number of could not guarantee the investigated private rates even the most basic services, criticized the Green-MP.
The study by the Institute premium circle on behalf of the Green group in the Bundestag according to RND, the result is that private Tariffs would offer health insurance even in the expensive Premium consistently fewer benefits than the statutory health insurance funds. Then the Top Rates of the private insurers are not met for an average of more than a quarter (27 percent) of the essential minimum requirements defined. In the case of the Shi, there were only three percent.
However, the authors of the study themselves admit, “a precise comparative assessment” of the two models is due to different factors “not analytically possible. We point out explicitly that in the present study had to be weighed in the evaluation of some performance criteria, whether the respective services of the GKV in its scope are roughly equal to those of the PKV comparable”.
For the study, a premium circle defined nevertheless, 103 minimum criteria, 100 of which were part of the performance catalogue of the GKV. In addition, among other things, a higher level of services for dentures and the cost of eyeglasses without age restriction, which should belong, according to the study authors, to a comprehensive health insurance were included.
Large gaps in comparison to the GKV, there is, according to the study in the private tariffs, in particular, in the case of cures and Rehabilitation. Worse conditions exist frequently in palliative care, nursing care, psychotherapy, as well as vaccinations.
the evaluation of The performance of the private health insurance tariffs as presented by the study authors to be comparatively easy: “What is not contractually guaranteed right, is not insured.” It is a classic insurance model, which can be configured with the insurer individually.
The Shi a model of Solidarity: All the numbers a, however, is according to income and get in the case of sickness benefits according to a relatively uniform catalog. According to the study, the evaluation of the performance of the solidarity model Shi is also difficult.
The current structure is very complex and continuously from the decisions of the legislature and of the Federal Joint Committee (G-BA). Moreover, there are reports, according to which Insured persons have problems to get legal services in the practice. The timely access to specialists is often significantly more difficult than in the PKV, according to the study.
Green, the SPD and the Left to aspire to for a long time and in varying degrees, a uniform, citizens insurance, which would probably mean the end Of private health insurance in the present Form.