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Beitragsentwicklung in der PKV als Risiko und Maßnahmen zur Risikobegrenzung
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ISBN10: 366866742X
ISBN13: 9783668667426
Publisher: Grin Verlag
Published: May 8 2018
Pages: 84
Weight: 0.27
Height: 0.20 Width: 5.83 Depth: 8.27
Language: German
ISBN13: 9783668667426
Publisher: Grin Verlag
Published: May 8 2018
Pages: 84
Weight: 0.27
Height: 0.20 Width: 5.83 Depth: 8.27
Language: German
Diplomarbeit aus dem Jahr 2011 im Fachbereich VWL - Gesundheitsökonomie, Note: 2,1, FOM Hochschule für Oekonomie & Management gemeinnützige GmbH, Köln, Sprache: Deutsch, Abstract: Aufbauend auf einer Erläuterung des Systems der privaten Krankenversicherungen einschlie lich der Abgrenzung zur gesetzlichen Krankenversicherung und Erklärung der Beitragskalkulation sollen Beitragsentwicklung der privaten Krankenversicherungen und die Gründe für diese beleuchtet werden. Anschlie end soll dargelegt werden, worin das Risiko der Beitragsentwicklung liegt und für wen und warum die Beitragsentwicklung ein Risiko darstellt. Gegen die steigenden Beiträge haben sowohl die Versicherer, als auch der Staat Ma nahmen entwickelt, die der Risikobegrenzung dienen sollen. Auch die Versicherten selber können etwas gegen steigende Krankenversicherungsbeiträge unternehmen. Zum einen können die Versicherten durch kostenbewusstes Verhalten aktiv gegen die Beitragsentwicklung vorgehen und zum andern besteht die Möglichkeit durch Sparprozesse das Risiko der Unbezahlbarkeit der Beiträge im Alter zu senken. Diese Ma nahmen sollen veranschaulicht werden. Das Ziel dieser Arbeit ist daher neben der Darstellung des Problems der Beitragsentwicklung das Aufzeigen der Ma nahmen zur Beitragsstabilisierung. Weiterhin soll eine Möglichkeit zur Stabilisierung der Versicherungsbeiträge durch eine Modifikation der Beitragskalkulationsmethode samt ihrer Schwierigkeiten bei der Umsetzung in die Praxis erläutert werden.
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