False report about the merger of the TK and KKH alliance

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False report about the merger of the Techniker Krankenkasse and the KKH alliance. A spokesman for the TK denied plans, according to which both funds want to form a union.

The wave of mergers among statutory health insurers is continuing - the "Leipziger Volkszeitung" said that it had learned from circles that it said it was well informed. The boards of the Techniker Krankenkassen (TK) and the KKH alliance are planning to merge into the largest German health insurance company to date and have already agreed on the merger, the newspaper reported. Apparently a hoax, as the TK and KKH alliance announced.

Both the TK and the KKH alliance firmly rejected the “Leipziger Zeitung” report on an alleged merger. There are currently no negotiations on a merger, the TK told the “Hamburger Abendblatt” and the KKH alliance added: “The newspaper report is based on incorrect information and is fictitious”. TK currently insures around 7.6 million people; in the past year alone it grew by around 339,000 new customers. The budgetary budget amounts to around 19 billion euros. Even without a merger, the TK announces that it will exclude an additional contribution for 2011 at least. A spokesman said: "The report is wrong; there are no merger negotiations and there have been no merger negotiations in the past."

Largest health insurance company in Germany would have been created. The "Leipziger Volkszeitung" wrote that the supervisory bodies of the two statutory health insurance companies would advise on a possible merger at their next meeting (in March). Allegedly, the executive boards of TK and KKH-Allianz have already agreed on the merger. According to this, the merged health insurers would have become the largest statutory health insurance company in Germany with around 9.5 million insured. "The claim that the board of directors should discuss the merger at its next meeting is not (but) true," as the KKH alliance emphasized. The statement of the "Leipziger Volkszeitung" that the board of directors of both funds had already agreed on the merger was wrong.

Checkout mergers already expected by experts So far, the Barmer GEK is the largest health insurance company in Germany with 8.6 million insured. In the case of the allegedly planned merger, the largest German health insurance company would have emerged from the TK with approximately 7.6 million insured persons and the KKH alliance with its 1.86 million members. The fact that the "Leipziger Volkszeitung" may be a little over-sensitized to possible mergers between health insurers is probably due, among other things, to the fact that experts predicted a far-reaching wave of mergers in the area of ​​statutory health insurance after the health care reform in 2007. Although the partially predicted mark of only 50 statutory health insurance companies has not yet been reached, the number of health insurance companies has since declined significantly - from over 230 to a good 160. Thereby, synergy effects and the avoidance of additional contributions are always the main reasons for this Mergers called. However, critics are concerned about the current wave of health insurance mergers. Because if a health insurance company goes bankrupt, the other statutory health insurers must compensate for this and take over the insured, which puts a strain on the entire health system. If one of the giant health insurance companies went bankrupt, it would hardly be possible for the other insurance companies to compensate for this and the health system could collapse, experts like Rolf Stuppardt from the Federal Association of the Guild Insurance Funds warned last year.

Funds merge to avoid bankruptcies Until now, there was always the option of registering bankruptcy with the Federal Insurance Office if there was insufficient funding. However, given the size that some health insurance companies have reached in the course of the merger wave, such a procedure would be impossible, Rolf Stuppardt explained last year. In mid-2010, the specialist reported that he even assumed that the mergers had “little to do with health-economic goals”, but primarily served the goal of achieving a systemically important size, so that in the event of possible insolvency, they would be saved from the state Side is required. Similar to the banking crisis, the motto "too big to die" applies. Because health insurance policies with several million members cannot simply go bankrupt because the other health insurance companies would not be able to compensate for this and people would thus be left without health insurance. According to the expert, the risk of insolvency is particularly present when two health insurance companies merge with one another, which are basically both bankrupt and cannot manage with the funds from the health fund. (fp)

Also read:
Health insurance mergers cause costs to rise
Health care system: merger of health insurance companies
Health insurance companies do not expect a deficit for 2011

Image: Logo of the Techniker Krankenkasse, press photo.

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  1. Mak

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  3. Fitz Hugh

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  5. Shem

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