BKK on site: Abolition of the health fund


BKK on site: Abolition of the health fund and return to contribution autonomy

The head of the board of directors of the statutory health insurance company "BKK vor Ort" declared the health fund to have failed and called for its abolition. The BKK Board of Directors Klaus-Peter Hennig explained the deficits of the health fund to the “Westfälische Rundschau” (WR) and spoke out in favor of a return to the contribution autonomy of the health insurance funds.

According to the head of the BKK board of directors, the funds from the health fund that was introduced in 2009 are incorrectly distributed, which has already brought some health insurance companies into financial difficulties. "After three years, the diagnosis is: The system is sick," said Klaus-Peter Hennig in an interview with the "WR". He called for a return to contribution autonomy, in which the statutory health insurers (GKV) determined their membership fees based on their financial situation.

Criticism of the morbidity-oriented risk structure adjustment The criticism of the "BKK on site" about the distribution of the funds from the health fund is essentially based on the reimbursement of costs within the framework of the so-called "morbidity-oriented risk structure adjustment", which provides for an increased allocation from 80 diseases. Here, the comparatively high costs for terminally ill patients would generally only be paid in part according to the previous key. Therefore, health insurance companies with many older and terminally ill members have been disadvantaged since 2009, while health insurance schemes with young and healthy members have benefited.

One third of the costs for deceased insured persons will not be reimbursed. In addition, in a current accounting year, deceased members are considered to be “incompletely insured”, Hennig reports. These insureds generally incur significantly higher costs in the period before their death. These costs would not be extrapolated to the year and still divided by the number of days, the BKK CEO Reinhard Brücker criticized the "WR". If the insured die in the middle of the year, half of the actual expenses are also ignored when calculating the total costs. The BKK CEO on site said that on average only 30 percent of these costs would be reimbursed. Large health insurance companies, such as the DAK, which merged with BKK Gesundheit at the turn of the year, are also experiencing difficulties due to the imbalance in allocations from the health fund and the lack of autonomy for contributions. The same applies to the BKK Hoesch from Dortmund, which currently has 820,000 members. "BKK on site" was taken over. One of the winners in the development was the “technician's cash register”. (fp)

Read on:
DIHK calls for the health fund to be abolished
Which health insurance actually fits
Switching to the GKV is easier for privately insured
Dispute over billions in surplus in the health fund

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