Doesn’t sound so tempting.

In 2040 the minus will amount to almost 50 billion euros if politicians do not counteract this early on, according to a calculation commissioned by the Bertelsmann Foundation. The contribution rate would have to be increased gradually from the current 14.6 percent by 2040 to 16.9 percent in order to cover expected increases in expenditure. It is becoming apparent that by the mid-2020s at the latest, the gap between health expenditure and premium income will «  » widen again in the direction of the deficit. A major driver is demographic development – with an increasing proportion of older people who are more likely to use health services as the authors from the Institute for Health and Social Research (Iges) write.

Above all, however, as the baby boomers enter retirement age, their contribution to statutory health insurance income decreases. Politicians have no direct influence on important factors influencing the financial situation of statutory health insurance – the development of employment and income or the price development in the healthcare system, said the foundation expert Stefan Etgeton. However, there are effective political instruments to counteract a deficit: For example, overcapacities in the clinic area could be reduced in order to save costs. The federal subsidy – that is tax funds – for the statutory health insurance from currently 14.5 billion euros annually should increase gradually, recommends Foundation, endowment. If you want to keep the general contribution rate (without additional contribution) stable at around 15 percent, the subsidy will have to be increased every two years from 2028 – it would then amount to around 70 billion euros in 2040, the study calculates. The contribution rate is currently 14.6 percent . The health insurers can also set an additional contribution individually.

For 2018, the Federal Ministry of Health reported a surplus of two billion euros for the statutory health insurance companies, in 2017 it was three billion. At the end of 2018, the funds’ reserves amounted to 21 billion euros. The National Association of Statutory Health Insurance Funds recently expected continued robust income for the time being, despite the weaker economic outlook, but also warned of significant spending risks in the summer. Source:, joh / dpa « The health insurers see great potential to clean up the hedgehog market. (Photo: picture alliance / Patrick Pleul) In most cases, self-payer benefits from doctors bring significantly more to doctors than to patients, according to the health insurance companies.

They even demand better protection for patients. The self-payer services offered in medical practices often do more harm than good. At the top of the ten most common individual health services (hedgehogs) are offers that the «  » Igel-Monitor «  » of the health insurance companies rated as negative or negative tendency, as the medical service of the health insurance companies (MDS) in Berlin biology essay writing services They even contradict the recommendations of medical professional associations. «  » The Igel offers are not based on proven medical benefits, but on the preferences of individual groups of doctors and the sales interests of the practices, «  » criticized MDS managing director Peter Pick. In some cases, patients are also put under pressure to buy such services. «  » That is unacceptable, « said Pick. Overall, every second insured person is offered services that have to be paid for privately when they visit a doctor. One of the most frequently performed services is intraocular pressure measurement for early detection of glaucoma.

According to a survey of more than 2,000 insured persons, this service was offered to one in five (22 percent), followed by ultrasound of the ovaries for early cancer detection in women (19 percent). Other top sellers are breast ultrasound for cancer early detection (12 percent) and PSA -Test for the early detection of prostate cancer in men (seven percent). The « Hedgehog Monitor », which is financed by the statutory health insurance, classifies all of these examinations as negative, tends to be negative or at best unclear. For example, ultrasound for early detection of ovarian cancer has long been known to be known about possible harm and little benefit, explained MDS- Expert Michaela Eikermann. However, this knowledge is not implemented enough in practice. Eikermann sees the medical societies and professional associations as having an obligation here. “We see great potential for cleaning up the hedgehog market and protecting patients from unnecessary and harmful services.” “As the survey also shows, only four percent of the self-payer services provided were initiated by patients.

More than one in three patients stated that they felt pressured and pressured. Hedgehog offers have to be paid for out of pocket by the health insurance patients. People with statutory health insurance spend around one billion euros annually in German medical practices for such services. The spectrum ranges from professional teeth cleaning to laser treatment of varicose veins and travel vaccinations to intraocular pressure measurements for the early detection of glaucoma. The statutory health insurance companies have long been a thorn in the side of the Igel offers. Above all, gynecologists, ophthalmologists, orthopedists, urologists and dermatologists achieve additional income with these services, according to investigations by the health insurance companies. Source:, jwu / AFP « Many statutory health insurance companies pay for globules and Bach flowers. Politicians in the grand coalition want these additional payments for homeopathic medicines abolish now.

Because their effectiveness has not been proven – the money is needed more urgently elsewhere. Sugar balls are supposed to cure diseases – even though nothing of the original « active ingredients » is usually detectable in the laboratory. Only the placebo effect has been scientifically proven in therapies with globules. Nevertheless, many statutory health insurance companies reimburse the cost of homeopathic remedies. Now, after the statutory health insurance physicians, specialist politicians from the grand coalition are in favor of abolishing these additional payments from the health insurance companies. «  » It is difficult to convey that costs for homeopathy are partially covered while savings have to be made elsewhere, «  » said the chairman of the health committee in the Bundestag, Erwin Rüddel, the newspapers of the editorial network Germany. « That is why I can certainly imagine an end to the reimbursement », said the CDU politician. The health policy spokeswoman for the SPD parliamentary group, Sabine Dittmar, also said: «  » The effectiveness of homeopathic remedies has not been proven. «  » You see it therefore it is «  » critical that health insurances and thus the contributors finance these funds. But it is important to differentiate between naturopathy and homeopathy.

The FDP health politician Christine Aschenberg-Dugnus said that anyone who advocates homeopathy should be able to continue to purchase it. ““ But on a self-pay basis. ”“ The left-wing politician Harald Weinberg considers the debate to be exaggerated. The cost of homeopathy for health insurance companies is extremely low. There are more important problems in the health system, for example the nursing emergency in hospitals, which leads to complications and avoidable deaths. The health policy spokeswoman for the Union parliamentary group, Karin Maag, also emphasized the low costs for the health insurance funds on Deutschlandfunk: «  » We’re talking about 0.03 percent of spending. «  » The CDU politician – unlike her party colleague Rüddel – therefore considers a voluntary takeover by the health insurers to be «  » justifiable «  » and referred to the free choice of health insurers: «  » Those who reject homeopathy for themselves can do without Find another fund that does not reimburse these drugs. «  » According to a report by the Federal Association of the Pharmaceutical Industry (BPI), the funds paid only 10.5 million euros for homeopathic remedies in 2017. In contrast, the total pharmaceutical expenditure of the statutory health insurance amounted to 39.6 billion euros in that year according to BPI calculations. In neighboring France, the government decided this week that homeopathic medicines should no longer be reimbursed by the statutory health insurance from 2021.

The reason is massive doubts about the effectiveness of the globules. In Germany they are not part of the catalog of benefits of the statutory health insurance. However, many health insurance companies reimburse treatment costs for naturopathic treatments – also for marketing reasons. Now the chairman of the National Association of Statutory Health Insurance Physicians, Andreas Gassen, is calling for an end to the funding of such services by health insurance companies in Germany.

There is «  » insufficient scientific evidence for the effectiveness of homeopathic procedures «  ». He called on the health insurers to channel their financial resources into outpatient care, «  » instead of spending contributions on homeopathy primarily for marketing purposes «  ». Gassen emphasized: «  » Those who want homeopathic remedies should also get them, but please not at the expense of the solidarity community. «  » The chief executive of the AOK Federal Association, Martin Litsch, demanded clarity from the German legislature.

Litsch told the newspapers of the Funke media group that, as in France, «  » the legislator is asked to create clarity. «  » In order for this clarity to exist, the legislator must «  » « explicitly exclude homeopathy as an additional service provided by health insurance companies » « . Litsch said there was no evidence in methodologically high-quality studies for the effectiveness of homeopathy. The health insurances are therefore «  » between tree and bark «  » because part of the population appreciates homeopathy as an alternative to traditional medicine. Source:, aeh / AFP / dpa « News and information at a glance. Collection of articles by n- on the subject of statutory health insurances In the debate about salaries at statutory health insurances and the lack of contribution reductions, Minister of Social Affairs Schmidt accused the self-administrations of failure.

According to information from the « Handelsblatt », the statutory health insurance companies closed the year 2004 with a surplus of 3.8 billion euros. As a result of the health reform, the statutory health insurance companies saved around 9.5 billion euros last year, according to calculations by government advisor Karl Lauterbach. The majority of statutory health insurances will not reduce their contributions at the turn of the year. Exceptions only confirm the rule.

Federal Minister of Health Schmidt continues to put pressure on the statutory health insurances to lower the contribution rates. She does not want to accept the argument that the expected surplus of four billion euros this year as a result of the health reform should flow primarily into debt repayment. In the discussion about savings in health care, the call for health insurance mergers is getting louder. The chief executive of the Barmer Ersatzkasse (BEK), Fiedler, considers around 50 statutory health insurances to be sufficient. There are currently around 280. The family insurance of the statutory health insurance not only covers spouses and children, but also, under certain conditions, for second and third wives.

Federal Chancellor Gerhard Schröder (SPD) urges the statutory health insurances to reduce their contributions. Statutory health insurance companies, doctors, pharmacists and hospitals will not present their joint concept for the electronic health card by October 1st. The health insurance companies only submitted some proposals at short notice, so there was not enough time to review the material. Now the ministry must decide how to proceed, it was said in cash circles. An extension of the deadline for the agreement of self-administration is conceivable.

The ministry can also legally stipulate the framework for the introduction of the health card. The new health card will gradually replace the current insurance card from 2006 onwards. North Rhine-Westphalia’s Prime Minister Peer Steinbrück has accused the higher earning classes in Germany of an enrichment mentality. As an example, Steinbrück cited billing fraud against statutory health insurance companies. The process is known, but it is not publicly discussed.

The same applies to inexplicably high severance payments for managers or for the behavior of long-term students who are not interested in a degree, but only in the benefits for students. « The statutory health insurance companies ended 2005 with a positive financial balance According to the Federal Ministry of Health, the increase in the west was 1.086 billion euros and in the east 690 million euros. This, however, has more than halved the surplus compared to the previous year.

According to the words of Federal Health Minister Ulla Schmidt (SPD), the statutory health insurance (GKV) would have even «  » achieved a surplus similar to 2004, when the positive financial result was around four billion euros, had it not been for the sharp rise in spending on pharmaceuticals. The medical expenses of the health insurance companies increased in 2005 by a good 16 percent or almost 3.5 billion euros. The net debt of almost all insurance companies was « completely reduced » two years earlier than planned, according to the Federal Ministry of Health. There are only individual health insurance companies with debts. These are obliged to gradually reduce debt. In the current year, the latest increase in federal subsidies and the latest drug savings package, according to the communication, a cash deficit can be avoided.

So far, the average contribution rate has been kept stable at just under 13.3 percent. Source: « Individual prevention is important. (Photo: dpa-tmn) To the doctor, although nothing hurts? That doesn’t sound so tempting. But there is Diseases that do not cause any symptoms but are easily treatable.

That is why one or the other early diagnosis check-up makes perfect sense. Those who feel healthy and fit usually do not waste a thought on going to the doctor. The problem: Many diseases such as high blood pressure or increased blood lipid levels are hardly noticeable in the early stages. However, they can later lead to a heart attack or stroke. To prevent this from happening, it is important to attend early detection examinations. The sooner risks are recognized and the earlier you take countermeasures, the better the chances of many more healthy years. Early cancer detection for women Insured persons with statutory health insurance from the age of 20 are entitled to this every twelve months.

The examination is carried out by a gynecologist. A smear is taken from the cervix and the internal and external genital organs are examined, as Ann Marini from the GKV Spitzenverband in Berlin explains. Chlamydia screening for womenChlamydia are bacteria.