Niemiecki system ubezpieczeń chorobowych
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Date
1995
Authors
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Publisher
Wydział Prawa i Administracji UAM
Title alternative
German system of sickness insurance
Abstract
The German system of sickness insurance is a reliable system which has been functioning
efficiently for a number of years. For that reason, the main elements of that system have been
presented in the paper.
The paper is divided into three chapters. In the first one a general characteristics of the social
benefits system in Germany is presented. That system has been divided into three sub-systems:
social protection (prudence), social compensations and social support. Each of those has been discussed
and their main objectives identified. The second chapter is devoted to statutoiy, or state
sickness insurance in Germany. That system covers the majority of the population and therefore
it has been given the most attention in the paper. Groups of insured parties covered by that system
are presented, different types of patients insurance offices and their financing is discussed, and
their relations with other elements of the social security system identified.
Types of benefits payable to the insured parties within the scheme of statutory sickness insurance
have also been described. The third chapter is devoted to private sickness insurance which
covers a significantly smaller proportion of the more wealthy German population. In that chapter
the conditions in which a change from statutory insurance schemes to private insurance systems
took place are described. Methods by which insurance premium is calculated and types of benefits
payable under private insurance are also presented. The last, fourth chapter, identifies the main
issues related to the sickness insurance system in Germany.
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Citation
Ruch Prawniczy, Ekonomiczny i Socjologiczny, 57, 1995, z. 4, s. 69-87