Insurance

Reserve of the health insurance rises to 20 billion euros

Summary

The surpluses of the statutory health insurances are increasing. As announced by the Federal Ministry of Health, the financial cushion of insurance companies grew to around 11.5 billion euros in the first quarter of 2012. In addition, there is a […]

Reserve of the health insurance rises to 20 billion euros.  The health insurance companies have huge reserves (source: dpa)

The surpluses of the statutory health insurances are increasing. As announced by the Federal Ministry of Health, the financial cushion of insurance companies grew to around 11.5 billion euros in the first quarter of 2012. In addition, there is a reserve of 8.5 billion euros in the health fund. The reasons are lower increases in expenditure and good income.

Prescribed height exceeded many times

Minister Daniel Bahr (FDP) warned the funds that surpluses would have to benefit the approximately 70 million insured persons. This can be done, for example, through performance improvements and premium payments. ”

There are coffers whose reserves exceed the prescribed amount many times over, according to the ministry. “Currently, however, only about ten mostly smaller health insurance companies with around 700,000 insured persons allow their members to participate in their positive financial development through premiums.”

Pharmaceutical expenditure is rising again

At the end of last year, the reserves in the coffers were around ten and in the fund around 9.5 billion euros. Now the bottom line is 500 million euros more. In the first quarter, the coffers brought in a surplus of 1.5 billion euros, with expenditures of around 46 billion.

The expenditure of the health insurance companies rose by 3.5 percent per insured person. The official group of appraisers for health insurance assumed a 4.5 percent increase in expenditure for 2012 in October. After a significant decline, drug spending rose again by 3.7 percent.

Clear words to health insurance companies

Bahr said to leading health insurance managers: “In view of the current figures, there is absolutely no reason (…) to paint a deficit financial development of the statutory health insurance on the wall again.” The ministry expects lower surpluses by the end of the year, but positive financial development can also be expected for the year as a whole. The AOKs achieved a surplus of around 553 million euros, the substitute funds around 568 million euros, and the company health insurance funds from 165 million euros last year.

The health fund recorded a deficit of a billion euros from January to March. However, this is only due to the fact that the fund’s premium income is subject to seasonal fluctuations. “The financial situation of the health fund, unlike that of the health insurance companies, will therefore improve significantly in the further course of the year.”

All in all, health insurance funds and health funds posted a surplus of around 462 million euros in the first quarter after 950 million euros in the same period in 2011.