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Fairer Systemwettbewerb zwischen gesetzlicher und privater Krankenversicherung


  • Kifmann Mathias

    () (Hamburg Center for Health Economics, Universität Hamburg, Esplanade 36, 20354 Hamburg)

  • Nell Martin

    () (Hamburger Zentrum für Versicherungswissenschaft, Universität Hamburg, Von-Melle-Park 5, 20146 Hamburg)


Wir entwickeln einen Reformvorschlag, der den problematischen Selektions­wettbewerb zwischen GKV und PKV beendet und zu einem fairen Systemwettbewerb führt. Jeder Bürger leistet einen einkommensabhängigen Beitrag zum Gesundheitsfonds und hat bei einem Wechsel in die PKV Anspruch auf risikogerechte Zahlungen aus dem Gesundheitsfonds. Die Versicherungspflichtgrenze wird gesenkt und langfristig abgeschafft. Private Versicherungen können nicht mehr allein deshalb mit Versicherten rechnen, weil diese durch einen Wechsel Solidarbeiträge vermeiden können. Die Nachhaltigkeit unseres Reformvorschlags wird durch eine Kapitalbildung gesichert. JEL-Klassifikation: I13, I18

Suggested Citation

  • Kifmann Mathias & Nell Martin, 2014. "Fairer Systemwettbewerb zwischen gesetzlicher und privater Krankenversicherung," Perspektiven der Wirtschaftspolitik, De Gruyter, vol. 15(1), pages 75-87, February.
  • Handle: RePEc:bpj:pewipo:v:15:y:2014:i:1:p:75-87:n:4

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    References listed on IDEAS

    1. Stefan Greß & Maral Manouguian & Jürgen Wasem, 2007. "Health Insurance Reform in the Netherlands," ifo DICE Report, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 5(1), pages 63-67, 05.
    2. Mathias Kifmann, 2006. "Risk selection and complementary health insurance: The Swiss approach," International Journal of Health Economics and Management, Springer, vol. 6(2), pages 151-170, June.
    3. Homburg, Stefan & Richter, Wolfram, 1990. "Eine effizienzorientierte Reform der GRV," EconStor Open Access Articles, ZBW - German National Library of Economics, pages 183-191..
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    More about this item

    JEL classification:

    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health


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