31.07.2019 – 10:10
Bremen / Obernkirchen (ots)
As there is freedom of choice in statutory health insurance, there is a so-called risk structure compensation (RSA). The background is the desired financial compensation for structural inequalities between health insurance companies. This concerns aspects such as age, sex or the state of health of the insured. "The caisses with a lot of young and healthy people have advantages over the cases with a lot of old and sick people.The RSA intervenes here and distributes money on funds with an advantageous insured structure with potentially less processing costs for cases with an unfavorable structure and therefore generally more expensive ", describes Professor Gerd Glaeske of" Länger better live ". – Institute, a cooperation of the University of Bremen and health insurance BKK24, basic mechanism for the compensation of the production of comparable conditions of competition.
The RSA must now be completed and also take into account prevention. This is provided for in the "fair payment" bill of the Ministry of Health. The ministry plans to introduce a precautionary indemnity, which will be paid when the insured participates in screening for disease detection or preventing existing disease risks. The overall goal: The financial incentive should lead the funds to motivate their policyholders to participate more frequently in such measures.
"Although any promotion of prevention should in principle be considered positive, screening tests from the age of 18 are still part of the debate about demonstrated benefits," criticized Professor Glaeske for his punctual reviews, which contribute to the future health of the patient. the diagnosis of non-disease would contribute little to nothing. The health expert even sees dangers: "It may give the impression that lifestyle, diet, nicotine handling or alcohol do not have to be changed, everything seems to be going for the better ". Long-term preventative measures that will lead to a healthy life in the future are much more useful. A comparison made by Professor Glaeske clearly shows this: it is a question of testing the brakes, the light and the exhaust gases. If no defect is found here, there is the TÜV sticker. In the event of defects, repairs will be made and the car will be able to continue for two years.
However, preventive measures for a healthy lifestyle motivated by a concern for health must lead to permanent and long-term changes, explains Professor Glaeske. In this context, there are differentiated offers, taking into account the life situation of the people to be reached, paying particular attention to social and gender inequalities. Preventive medical exams are important when it is important to regularly check for signs of a new event after the treatment of the disease. "Prevention and health promotion, however, have a different purpose and it is unlikely that common diseases such as cardiovascular disease, diabetes or even cancer will manifest themselves – and this must be the goal of health policies. effective health, and this will not be achieved by screening or early detection Proposed by law according to the principle of the watering can and recommended to insured persons because of the financial compensation paid by the RSA from the coffers. "Rather, long-term prevention programs such as the "Longer Living Better" health initiative. The health insurance BKK24 – to which all the people, not only the insureds of the health insurance, can participate – shows how an effective motivation for a sustainable prevention succeeds and contributes to improve the health and the well-being of the participants .
"Live better for a long time." – Institute
at the University of Bremen
Scientific Director Prof. Gerd Glaeske
Phone: 0421 218 58558
Original content of: BKK24, transmitted by news aktuell