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Medical savings accounts: Eine internationale Bestandsaufnahme des Konzeptes der Gesundheitssparkonten

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  • Schreyögg, Jonas

Abstract

Das Konzept der Medical Savings Accounts als Instrument zur Finanzierung von Gesundheitssystemen hat in den letzten Jahren international Aufmerksamkeit erregt. In Deutschland wurde ein ähnliches Konzept für die Gesetzliche Rentenversicherung im Rahmen der „Riester Rente“ diskutiert. Länder wie Singapur, Südafrika, China und die USA haben diese neue Form der Finanzierung bereits eingeführt oder in Pilotprojekten erprobt. Dieser Beitrag gibt zunächst einen Überblick über Erfahrungen, die einzelne Länder bisher mit der Konzeption der Medical Savings Accounts gemacht haben. Außerdem wird anhand erster Ergebnisse aufgezeigt, dass die beschriebenen Länder überwiegend positive Erfahrungen mit diesem Konzept gemacht haben. Abschließend wird vorgeschlagen, dieses Konzept zur Lösung der Finanzierungsprobleme der Gesetzlichen Krankenversicherung auf Deutschland zu übertragen. -- Medical Savings Accounts have gained rapid popularity in the international discussion as a means for financing health care over the last years. In Germany a similar idea has been discussed for the German Pension System known as the so called “Riester Rente”. Countries like Singapore, South Africa, China and the USA have already introduced Medical Savings Accounts or are conducting pilot studies. This article summarizes the experience with Medical Savings Accounts in these countries and tries to evaluate first results, which are primarily positive so far. Finally it is suggested to introduce the concept of Medical Savings Accounts in the German Public Health Insurance in order to tackle its financing problems.

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Bibliographic Info

Paper provided by Technische Universität Berlin, School of Economics and Management in its series Discussion Papers with number 2003/11.

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Date of creation: 2003
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Handle: RePEc:zbw:tubsem:200311

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Web page: http://www.wm.tu-berlin.de/menue/fakultaet_vii/
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