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By Simone Janson (More) • Last updated on October 19.02.2008, XNUMX • First published on 19.02.2008/XNUMX/XNUMX • So far 8497 readers, 1171 social media shares Likes & Reviews (5 / 5) • Read & write comments
The Financing the (SHI) will be redesigned with the introduction of the health fund. From January 1, 2009, all contributors will pay the same contribution rate. This means that uniform contribution rates also apply to statutory health insurance, as is already the case in statutory long-term care, pension and unemployment insurance.
The Confederation shall pay four billion euros to the health fund for a flat-rate compensation for the expenses of the health insurance funds for non-insurance benefits for the year 2009. From the year 2010 increase the federal benefits by annually 1,5 billion euros up to a total of 14 billion euros.
Each health insurance company receives a flat-rate allocation for each insured person as well as additional surcharges and deductions depending on the individual Age, gender and illness of their insured. Due to the special consideration of serious and cost-intensive chronic diseases, the risk structure compensation (RSA) supports the different care needs of the insured persons of a health insurance company on account. The federal government sets the uniform contribution rate for all health fund members. The tills are allowed, they come with the from the Funds distributed Money not enough to demand additional contributions from the insured of a maximum of one percent of the gross income as soon as this is over 800 euros.
Until December 31, 2010 the Organization of the contribution collection received in the previous form. However, the funds should set the course for joint facilities in order to relieve employers of unnecessary administrative work. From January 1, 2011, employers who wish to do so will also have the option of collectively paying their contributions, contribution statements and notifications to a forwarding office. This forwards the contributions to all social security institutions. The new Central Association of Health Insurance Funds ensures a nationwide uniform collection practice.
The new financing system of the health fund should make the services of the health insurance funds more transparent in terms of service and cost management and reduce bureaucracy in the health system. A health insurance company that does better can grant its insured financial benefits or a premium payment. A health insurance company that does worse has to make an additional contribution to its members. In order not to overwhelm its members, the additional contribution may not exceed one percent of the contributory income. In addition, the health insurance company must point out to its members the possibility of a cash change. At the same time, the contractual freedom of the statutory health insurance funds increases, that is, the scope of the health insurance funds for contracts with individual doctors, hospitals and other health care providers as well as in the integrated care is considerably expanded.
A general citizens insurance on uniform conditions is currently not provided. So the health fund - should it come - will not bring a truly uniform tariff for all:
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Simone Janson is publisher, Consultant and one of the 10 most important German bloggers Blogger Relevance Index. She is also head of the Institute's job pictures Yourweb, with which she donates money for sustainable projects. According to ZEIT owns her trademarked blog Best of HR – Berufebilder.de® to the most important blogs for careers, professions and the world of work. More about her im Career. All texts by Simone Janson.
I do not know about you, but it does not annoy all the deterioration in the healthcare system.
I just want to say thank you for a wonderful contribution!
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