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Save 145 euros per year: Study: Lower premiums with only one health insurance


ZEIT ONLINE | News, backgrounds and debates

Gütersloh (dpa) - If the financially more powerful private insured are included in the statutory health insurance (GKV), each member currently insured in the GKV and his employer could save an average of 145 euros per year.

This is the result of a representative study by the Berlin Iges Institute on behalf of the Bertelsmann Foundation. According to the study, privately insured people - high earners, civil servants, high-income self-employed - earn an average of 56 percent more than those insured by law. They also tend to be healthier. If they were in the SHI, this would result in an annual net financial surplus of 8.7 to 10.6 billion euros, the study calculates. The contribution rate could then drop by 0.6 to 0.7 percentage points. In Europe, only Germany has a dual system. This means that privately insured people avoid solidarity compensation, as the foundation criticized.

The study is based on the latest data (2016) from an annual repeat survey of around 12,000 households. In 2016 - as is currently the case - around 8.8 million people were privately insured. The SHI counted around 70.4 million insured in 2016, currently there are a good 73.2 million due to immigration in particular, said foundation expert Stefan Etgeton. To compensate doctors for the loss of fees that would result in a loss of private health insurance, the simulation assumes a contribution rate that is 0.2 to 0.3 percentage points lower.

Source: zeit

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news 2020/03/30    

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