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Kapitaldeckung als Antwort auf die demographische Herausforderung?

  • Borchardt, Katja
  • Farhauer, Oliver
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    Die demografische Alterung der Bevölkerung und der medizinisch-technischen Fortschritt als sich verstärkender zirkulär-kausaler Zusammenhang werden bei einer Beibehaltung der derzeitigen Finanzierung des deutschen Gesundheitswesens weitere Ausgabensteigerungen hervorrufen. Durch die Einführung eines Versicherungsschutzes mit Teilkapitaldeckung erscheint es möglich, diesen negativen Trend zu durchbrechen. Die Gesellschaftsmitglieder müssen bei dieser Entwicklung Rücklagen für ihr Alter bilden, da die Finanzierung des Gesundheitssystems über das bestehende Umlageverfahren zunehmend an seine Grenze stößt. Zudem hilft nur eine stärke Marktorientierung des Systems und den damit einhergehenden besseren Anreizstrukturen langfristig, das Gesundheitswesen bedarfsgerechter und kostengünstig zu gestalten.

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    File URL: http://econstor.eu/bitstream/10419/36402/1/363240756.pdf
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    Paper provided by Technische Universität Berlin, School of Economics and Management in its series Discussion Papers with number 2003/6.

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    Date of creation: 2003
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    Handle: RePEc:zbw:tubsem:20036
    Contact details of provider: Web page: http://www.wm.tu-berlin.de/menue/fakultaet_vii/

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    1. Friedrich Breyer & Volker Ulrich, 2000. "Gesundheitsausgaben, Alter und medizinischer Fortschritt: Eine Regressionsanalyse," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), Justus-Liebig University Giessen, Department of Statistics and Economics, vol. 220(1), pages 1-17.
    2. Wolfgang Buchholz & Birgit Edener & Markus Grabka & Klaus-Dirk Henke & Monika Huber & Hermann Ribhegge & Andreas Ryll & Hans-Jürgen Wagener & Gert G. Wagner, 2001. "Wettbewerb aller Krankenversicherungen kann Qualität verbessern und Kosten des Gesundheitswesens senken," Discussion Papers of DIW Berlin 247, DIW Berlin, German Institute for Economic Research.
    3. Homburg, Stefan & Richter, Wolfram, 1990. "Eine effizienzorientierte Reform der GRV," EconStor Open Access Articles, ZBW - German National Library of Economics, pages 183-191..
    4. Cassel, Dieter & Oberdieck, Veit, 2002. "Kapitaldeckung in der gesetzlichen Krankenversicherung," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1998 - 2007), ZBW – German National Library of Economics / Leibniz Information Centre for Economics, vol. 82(1), pages 15-22.
    5. Siebert, Horst, 1997. "Umlagesystem versus Kapitaldeckung in der Alterssicherung," Kiel Working Papers 817, Kiel Institute for the World Economy.
    6. Barro, Robert J., 1974. "Are Government Bonds Net Wealth?," Scholarly Articles 3451399, Harvard University Department of Economics.
    7. Friedrich Breyer, 2000. "Kapitaldeckungs- versus Umlageverfahren," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 1(4), pages 383-405, November.
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