AOK study: hundreds of thousands of PKV customers in need



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AOK study shows hundreds of thousands of private patients in need

Hundreds of thousands live in Germany in so-called precarious conditions. A study by the AOK came to the same conclusion, since many people now have to spend up to 60 percent of their income on health insurance. In this connection, a PKV spokesman also refers to similar contribution levels in the GKV.

According to the AOK Scientific Institute (WIdO), fewer and fewer privately insured people are able to pay their contributions. "Solo self-employed are increasingly affected," quotes WIdO its managing director Klaus Jacobs. In 2010, the institute stated that 4.6 percent or 370,000 of the privately insured only achieved an income of 8,000 euros. This amount is therefore below the subsistence level.

A spokesman for the PKV association could not avoid mentioning that self-employed persons with small incomes also have to pay at least 300 euros per month in the SHI. If you are below the subsistence level, the public sector pays around 130 euros for the SHI.

The so-called basic tariff of the PKV has been in existence since 2009 and currently costs around 610 euros per month. For the poor, the amount is halved to 305 euros. For the remaining 305 euros, the employment agency or social welfare stand in. From the perspective of the PKV, the problem for those affected has been solved, the paper shows itself expertly.

Election campaign
The background to the WIdO's announcement is its demand for a "common system" for health insurance. This should be "solidary and competitive at the same time". "The dual health insurance system (...) is reaching its limits," said Jacobs.

The current study should also be viewed from the perspective of the ongoing Bundestag election campaign. Recently, the Scientific Institute of Private Health Insurance (WIP) also published an investigation with the result that the end of private health insurance would have negative consequences for the growth potential of the economy. For the study, the institute examined the importance of capital formation within private health insurance for the overall economy. In the WIP's view, this aspect is neglected in the public discussion. (fr)

Image: Juergen Jotzo / pixelio.de

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