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Advantages of private health insurance despite growing prejudices and customers willing to change
According to a report from www.faz.net, the number of people switching from statutory health insurance (GKV) to private health insurance (PKV) is growing in Germany. This happens despite high costs and hurdles when switching. One might think that private health insurance is a thing of the past. The press and social media are full of reports and recommendations on how customers of these companies can switch to statutory health insurance companies in order to avoid the supposedly high premiums. At the same time, there are efforts within politicians to weaken providers on the market in order to attract more money to the financially strapped statutory health insurance (GKV) and to prevent a supposed “two-class medicine”. …
Advantages of private health insurance despite growing prejudices and customers willing to change
According to a report by www.faz.net The number of people switching from statutory health insurance (GKV) to private health insurance (PKV) is growing in Germany. This happens despite high costs and hurdles when switching.
One might think that private health insurance is a thing of the past. The press and social media are full of reports and recommendations on how customers of these companies can switch to statutory health insurance companies in order to avoid the supposedly high premiums. At the same time, there are efforts within politicians to weaken providers on the market in order to attract more money to the financially strapped statutory health insurance (GKV) and to prevent a supposed “two-class medicine”. The goal not only of the Left party, but also of parts of the government, the SPD and the Greens, continues to be to introduce statutory citizens' insurance for everyone, including civil servants, freelancers, the self-employed and members of parliament. In this model there would be little to no space for private health insurance (PKV).
Despite these reservations, the number of people switching from GKV to PKV is growing. This could be due to several factors. On the one hand, private health insurance often offers a broader range of benefits and better service, which is attractive for many people. The individual health situation and income of the insured can also play a role. The corona pandemic may also have contributed to this by making people think more about their health care and insurance.
This development could have an impact on the private health insurance market. An increasing number of customers could lead to increased competition among providers and thus to increased pressure to innovate. There could also be changes in pricing and the services offered in order to be more attractive to potential customers. Overall, the increasing willingness of German insured people to switch could influence the dynamics and competitive situation on the health insurance market.
Read the source article at www.faz.net