Cui bono? - Die Bürgerversicherung und die Beihilfe

Christian Bührer (), Steffen Fetzer and Christian Hagist

No 17-05, WHU Working Paper Series - Economics Group from WHU - Otto Beisheim School of Management

Abstract: In der deutschen Gesundheitspolitik wird seit langem unter dem Stichwort Bürgerversicherung über die Einbeziehung aller Bürger in das System der Gesetzlichen Krankenversicherung diskutiert. Dabei wird meistens die Perspektive der GKV-Versicherten eingenommen, seltener diejenige der Versicherten der PKV. Es stellt sich jedoch insbesondere für die Gruppe der Beihilfeberechtigten die Frage, welche monetären Konsequenzen durch eine Bürgerversicherung für sie entstehen und in welcher Höhe daraus Kompensationszahlungen abgeleitet werden können. Unsere Ergebnisse zeigen: Selbst, wenn diese Kompensationen weniger als die Hälfte der Differenz der Versicherungsleistungen zwischen PKV/Beihilfe und einer Bürgerversicherung abdecken, hat der Business Case Bürgerversicherung für die Gebietskörperschaften zumindest kurzfristig negative fiskalischen Folgen. The health policy debate in Germany rotates around the question wheather Germany’s two pillar insurance system should be dissolved and replaced by universal coverage under the roof of the public system (so called „citizen insurance“/Bürgerversicherung). Most of the time, such a reform is argued from the perspective of the 90 percent of the German population which are already insured by a sickness funds. Rarely, the consequences of currently privately insurant are analysed. However, especially German civil servants are of great interest in this regard, as they are most times partly insured in the private scheme while the other part of their benefits are directly paid by the taxpayer. As the scheme for civil servants is more generous than the public scheme, the question of compensation arises when talking about the Bürgerversicherung reform. We show that if civil servants are only partly compensated by their employers (federal and state governments), the reform has a short-run negative fiscal impact.

Keywords: Health insurance; civil servants’ benefits; compensation (search for similar items in EconPapers)
JEL-codes: H55 H75 I13 (search for similar items in EconPapers)
Pages: 32 pages
Date: 2017-09-15
New Economics Papers: this item is included in nep-ger and nep-ias
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