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Zukunft der privaten Krankenversicherung - Eine Positionsbestimmung ausgewählter Stakeholder

Zukunft der privaten Krankenversicherung - Eine Positionsbestimmung ausgewählter Stakeholder

          
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About the Book

Studienarbeit aus dem Jahr 2007 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,7, Gottfried Wilhelm Leibniz Universität Hannover (Institut für Versicherungsbetriebslehre), Veranstaltung: Versicherungswissenschaftlichen Seminars Versicherungssparten, Sprache: Deutsch, Abstract: Die Private Krankenversicherung existiert bereits seit Mitte des 19. Jahrhunderts. Mit dem zweiten Weltkrieg kam auch das Scheitern der privaten Krankenversicherer. In den frühen Nachkriegsjahren gründete sich eine Interessenvertretung der privaten Krankenversicherungen, der Verband der privaten Krankenversicherer. In den folgenden Jahren wurden immer weitere Teile der Bevölkerung in die gesetzliche Krankenversicherung einbezogen, weshalb die Privaten an Mitgliedern verloren. Im Jahr 1989 wurde die Zugehörigkeit zu PKV und GKV im Gesundheitsreformgesetz neu geregelt. Erstmals wurde es gutverdienenden Arbeitnehmern gestattet, sich von der Versicherungspflicht befreien zu lassen und in eine private Krankenversicherung zu wechseln. Nicht jeder Person steht es frei, einen privaten Krankheitsvollversicherungsschutz zu kaufen. Ein Eintritt in die PKV ist möglich für Beamte und Selbstständige sowie Arbeitnehmer mit einem Einkommen, das über drei Jahre hinweg oberhalb der Versicherungspflichtgrenze lag. Wer eine dieser Voraussetzungen erfüllt, kann sich privat versichern, allerdings unterliegen die Privaten, mit einigen wenigen Ausnahmen, nicht dem Kontrahierungszwang. Es wird i.d.R. eine dem Risiko entsprechende einkommensunabhängige Prämie erhoben. Es gelten keine rechtlichen Sonderbehandlungen für die privaten Krankenversicherer, beispielsweise Rabatte für Arzneien. Dadurch zahlen privat Versicherte oftmals mehr für eine bestimmte Leistung, sei es beim Arzt oder in der Apotheke, als gesetzlich Versicherte. Im Gegensatz zu den Tarifen der GKV, die größtenteils denselben Leistungsumfang enthalten, sind die Privaten bei der Gestaltung des Leistungsumfangs weitestgehend frei. Anders als die ge


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Product Details
  • ISBN-13: 9783640234394
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Width: 148 mm
  • ISBN-10: 3640234391
  • Publisher Date: 19 Dec 2008
  • Height: 210 mm
  • No of Pages: 72
  • Series Title: German
  • Weight: 109 gr


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