The bankruptcy alarmed many members of the statutory health insurance
The bankruptcy of City SAH has alarmed many members of the statutory health insurance. Many members of the health insurance fund are asking themselves whether their own health insurances can also turn into bankruptcy cases.
Unfortunately, no all-clear can be given in this regard: Experts consider it very likely that in the coming months and years more health insurance companies will slip into bankruptcy. The main reason is the high costs that burden the health system and thus the individual funds. Increasingly more funds are finding it difficult to shoulder these costs. Precisely for this reason, many health insurance companies are now forced to raise the additional contribution. The additional revenues are to support the funds financially.
The additional contribution that causes of cash bankruptcies
However, the additional contribution is often identified by some experts as the cause of cash bankruptcies. One of the biggest problems of health insurance companies is that the additional contribution has a very deterrent effect. Especially young members of the cash register tend relatively quickly to change their health insurance, so that they do not have to pay the additional contribution. The coffers are thereby confronted with a member leaving – and unfortunately this is usually just the members who pay relatively high contributions and at the same time take only a few benefits.
However, all the banks threatened by bankruptcy will not slip into bankruptcy. The City SAH is likely to serve many health insurance boards as a deterrent example. For financially endangered health insurances, it makes more sense to protect oneself as far as possible, for example by pursuing mergers. The pooling of individual funds offers the opportunity to reduce costs and thus to ensure their own survival.