Social insurances and the culture of solidarity: The moral infrastructure of interpersonal redistributions - with special reference to the German health care system
AbstractSocial insurance schemes have proved to be rather stable welfare state institutions enjoying broad popular support. It is widely assumed that the high degree of legitimacy is due to the insurance analogy because those schemes provide individually equitable returns on prior contribution payments. In this article it is demonstrated that all social insurance schemes contain interpersonal redistributions on a large scale, resulting from uniform contribution rates, provisions geared at social adequacy of benefits, and unequal treatment of different birth cohorts. In Germany, those redistributive elements are most pronounced in the statutory health care scheme. It is argued that the unchallenged functioning of social insurances is dependent on a prevailing culture of solidarity. It denotes an immunity to the temptation of individual utility maximization based upon recognized moral duties which then facilitates ongoing redistributive processes. Results from qualitative interviews with persons insured with the German statutory health care scheme clearly indicate the presence of those solidary virtues. The continued existence of this moral infrastructure appears to be less threatened by progressing individualization. Rather, it might be eroded by current political attempts to shift the balance between solidarity and self-reliance which intensify mistrust in the permanence of comprehensive health care protection. --
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoPaper provided by University of Bremen, Centre for Social Policy Research (ZeS) in its series Working papers of the ZeS with number 03/1997.
Date of creation: 1997
Date of revision:
You can help add them by filling out this form.
reading list or among the top items on IDEAS.Access and download statisticsgeneral information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (ZBW - German National Library of Economics).
If references are entirely missing, you can add them using this form.