If the health insurance companies announce their additional contribution for 2017 at the end of the year, there will be a lot of discussion about the financing of the statutory health insurance funds. Because these are under cost pressure because of many new laws. Victims are the insured. finanzen.de has spoken with the IKK eV about this and other construction sites in the statutory health insurance.



Innungskrankenkassen kritisieren hohe Kostenbelastung für Versicherte
Despite many new laws, there are many construction sites in the GKV

Minister of Health Hermann Gröhe (CDU) is next to Labor Minister Andrea Nahles (SPD) probably the most diligent politicians of this government . Not only did he initiate the GKV-Versorgungsstärkungsgesetz, the Hospital Structure Act, the Prevention Act, the E-Health Act, the Law on the Further Development of the Financial Structure and Quality in Statutory Health Insurance (GKV), and a number of other words of apology, but incidentally still reformed the statutory care insurance.

But “in which of the Federal Ministry of Health responsible law one looks, you can see everywhere cost increases at the expense of the SHI, ” criticized Fina Geschonneck, spokeswoman for the advocacy of guarantors (IKK eV) in an interview with finanzen.de. The rising costs are to be paid by the members according to the current financing regulation. “For insured persons, this means that the additional cash contribution will continue to increase for them. At the top, it is already 1.7 percent today.

Targeted and meaningful distribution of financial means of the GKV

Since 2015, the statutory health insurance funds can levy an individual, income-related additional contribution. Some of them have used financial reserves so far to keep the additional contribution low. But the buffer is used up at many coffers , so Geschonneck. However, as higher costs due to medical and technological advances and demographic change can not be avoided, the financial resources available to the healthcare system would have to be used meaningfully. So far, so the criticism of the IKK registered association, the money is distributed with the watering can . For example, with the Pension Strengthening Act, doctors have received € 500 million “without any improvement in care associated with it.”

In order to prevent all cost increases from reaching the insured in the future, the guild health insurances demand “a sustainable, solidary and burden-based financing of the statutory health insurance ” as well as a stronger tax financing.

“Health insurance punished for successful prevention”

Not only the many new laws in health care burden the statutory health insurance. The financial compensation Morbi-RSA is also a construction site of the GKV. Through this get cash with many older and treatment-intensive insured a compensation payment from the health fund. However, this results in disincentives . For example, if health insurances put a lot of money into prevention and their members are less likely to suffer from diseases for which there is a subsidy, these health insurance funds will end up with less financial resources, even though their insured people are healthier. At the same time the funds receive only a lump sum for prevention measures. For successful prevention, they are therefore punished, criticized the IKK eV

Therefore, “strong consideration should be withdrawn from those diseases which can be prevented by prevention or whose course can be favorably influenced by prevention”, for example diabetes mellitus, hypertension and obesity. In addition, the guild insurances insist that “the individual allocations for primary prevention in the future should be based on the real expenditures of the respective funds .” It remains to be seen whether and when the policy will respond to the demands of the guarantor health insurances. Most recently, the Federal Ministry of Health adapted the financial compensation for 2014.

Anti-corruption law has loopholes

Only recently, the government has passed the law to combat corruption in health care. Now, established physicians who are bribed can be punished. The IKK eV sees the anti-corruption law as a major step forward . However, it has loopholes. So “is the passage that pharmacists can be prosecuted, if they get special discounts or other benefits for the delivery of certain drugs from the manufacturer, at the last moment disappeared,” explains Geschonneck.

She also criticized the lack of reference to the so-called professional obligations to preserve the health professional independence. Thus the IKK eV is not alone. The initiative of incorruptible doctors also existed this fact.


The anti-corruption law goes “at the core of corruption in health care over,” complains Kathrin Vogler, health policy spokeswoman for the parliamentary group Die Linke. The short-term adjustments “make it even clearer why the child was the scheme from the start.”


TTIP process is guarded by guild guards with Argusaugen

Although Minister of Health Gröhe has been very diligent in this legislative period, permanent construction sites such as the electronic health card, whose full use has been delayed for years, or new fields of action are added. This could include the effects of the Transatlantic Free Trade Agreement TTIP on the German health system . Although the IKK eV currently has “no reason to fear that the high standards of medical care will be violated.” Nevertheless, the guild insurers “accompany the TTIP process with eagle eyes.”

Not only longer patent terms could indirectly affect the statutory health insurance. The same applies to the planned arbitration boards , “when the legislator, due to fear of lawsuits, cautiously tackles certain reforms that, for example, regulate the pharmaceutical market,” says Geschonneck. The arbitral tribunals plan that companies can sue governments if they legislate to the detriment of corporations. The negotiating partners USA and EU want to launch TTIP later this year.