In Germany are currently undergoing health care reform. Its goal is to reduce government spending by increasing competition in the field of insurance services. Innovations expected to be introduced gradually.
Since 2009 for all citizens of Germany will be introduced the insurance obligation. Currently in the country without health insurance live from 200 to 300 thousand people.
Since January 2009, private insurers will be required to offer insurance policies in the so-called basic rate. It needs to include a standard package of services that provide its customers with the state insurance company. The cost of the base policy may not exceed the cost of the most expensive fare of the state insurance offices.
By 2009, the Ministry of health will establish a Fund in which to accumulate all the funds for medical expenses. The Fund will be financed by insurance contributions and taxes. From the Fund of the insurance company will receive for each insured person a fixed amount. For every chronically sick and disabled person will be paid the allowance.
If the costs per patient exceed the allocated Fund standard amount, the insurance company may require the insured paying an additional premium. Its size should not exceed 1% of the annual income of the patient. However, an additional contribution of up to EUR 8 insurers may charge regardless of the income of the citizen.
Insurance Fund, which insured many of the poor and chronically ill people, will receive additional financing at the expense of their more wealthy competitors. At the request of a number of land governments to reallocate funds set «pain threshold»: from the offices of one earth to another, can be transferred no more than 100 million euros per year.
Payment for vaccination, visits to health resorts, including children accompanied by parents and other measures for occupational rehabilitation rests with the insurance company. Previously, insurers themselves determine the list of paid services in the field of prevention and rehabilitation. In turn, insurance companies are no longer obliged to pay the costs for the correction of errors made during cosmetic operations.
Hospitals have the right to offer a limited range of services on an outpatient basis. First of all it will affect the chronically ill. Thus, the legislator intends to reduce the number of inpatients.
According to government estimates, in 2007 the changes will save the state budget of 1.1 billion euros. In the next few years costs will be reduced on average by 1.5 billion euros annually.
Insurance medicine in Germany