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Auswirkungen der Änderungen im Bereich der gesetzlichen Krankenversicherung auf die private Krankenversicherung

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  • Thomas Url

    (WIFO)

Abstract

Die "Gesundheitsreform 2005" setzt auf mehreren Ebenen gleichzeitig an. Neben befristeten und unbefristeten Beitragserhöhungen wurden einige absolute Selbstbehalte gesteigert. Am umfassendsten reformiert wurde die Gesundheitsorganisation: Die Nachfrage nach Gesundheitsleistungen soll elektronisch erfasst und das Angebot koordiniert geplant werden. Bei weiter steigenden Kosten stehen der Gesundheitspolitik neben Beitragserhöhungen im Wesentlichen zwei Instrumente zur Verfügung: Normbudgets, deren Höhe unter den tatsächlich erwarteten Ausgaben liegt, oder – aus gesamtwirtschaftlicher Sicht wesentlich effizienter – die Ausweitung bestehender bzw. die Einführung neuer Selbstbehalte in der sozialen Krankenversicherung. In diesem Fall entstehen für Privatversicherungen allerdings nur dann sinnvolle Versicherungsprodukte, wenn finanziell bedeutende Risken vollständig aus der Deckung der sozialen Krankenversicherung ausgenommen werden.

Suggested Citation

  • Thomas Url, 2006. "Auswirkungen der Änderungen im Bereich der gesetzlichen Krankenversicherung auf die private Krankenversicherung," WIFO Studies, WIFO, number 26379, April.
    • Handle: RePEc:wfo:wstudy:26379
    Note: With English abstract.
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    References listed on IDEAS

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    Krankenversicherung;

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