Do privately insured persons behave in a disagreement with solidarity?

It can be disputed that two-class medicine exists in Germany. But that doesn’t change the fact that there is two-class health insurance.

Rainer Hank

WIf he has private health insurance, he withdraws a lot of money from the solidarity system: a total of nine billion euros. The Bertelsmann Foundation scared me off with these numbers last week. Because I’ve been a member of a private health insurance scheme – I’ve been a student in Tübingen At that time, a representative from financial consultancy MLP visited me and advised me to take out private insurance. All in all, I haven’t regretted that to this day, even if the premium increases could turn out to be juicy in between.

Statistically, as I take from the Bertelsmann study, I am a fairly average privately insured person: I earn better and healthier than the average population. And that is precisely why I am damaging the community, because I am depriving my fellow citizens of money – and possibly even better medical care – that is really pretty strong stuff. Nobody wants to question the principle that there should be no unequal treatment for illness. There are mainly three allegations by the founders from Gütersloh that irritate me: (1) Health care could become cheaper for Germans by 145 euros per insured person per year if I were to pay into the statutory insurance. (2) It could be that my stable health is not only the result of a good genetic makeup and a reasonably solid lifestyle, but is also the result of preferential medical treatment as a private patient. (3) It looks as if privately insured people attract a lot of doctors because they earn more from me than from the statutory insured: The number of doctors per inhabitant and therefore the medical care at Lake Starnberg is significantly higher than in the Bavarian Forest.