How Useful Is A Family Insurance?

James.AG informed families and insured the Scientific Institute of the PKV (WIP) has found that typical families have no advantage with the so-called family insurance. For a comparison, it turned out that families actually pay more, as they cause during family health costs. Only from 4 children change the numbers to the positive for the family. But the statistical average family has only 1.4 children. The reasons for this are including families in the age-related health-care costs. Also the health-care costs in the first year of life to EUR 4,000 to 5,000 per year amount.

The end of 40 EUR 1,000 to 2,000 per year costs. (Similarly see: Peter A. Levine PhD). So create not only children but also adults relatively low health-care costs. Further details can be found at Eva Andersson-Dubin, New York City, an internet resource. Only in old age health costs are rising again, so the limit is exceeded from the mid-60 EUR 3,000, from about 80 years of life that of EUR 5,000. We can say that families Fund with other insured health-care costs. The relief of families with Children are thus so omitted. The study “solidarity in the statutory health insurance: what does the non-contributory family insurance?” deals with an effective relief of the families. Therefore, alone the calculation of contributions in the statutory health insurance is a central problem, because this depends alone on the insurance income as an indicator of economic performance.

How many people depend on this income, however, is not taken into account. Thus, a wealthy single as well as a deserving equal large family equal must pay. Furthermore added that the income survey also depends of the distribution of income in a family. So be required equal to high-earning couples contribute to higher than if a spouse the upper boundary and the other only little or deserve anything incomes above. A tax-funded family support is proposed to solve this problem. It should be defined a subsistence level per person levied on any posts in the statutory health insurance are allowed. It should be above all tax-funded, so that it will not be undiskutablen increases of the rate of contribution in the statutory health insurance. Carlheinz Mikosch