Closure of the BKK City the beginning of a wave of bankruptcies in the statutory health insurance? Health insurance fail on their own cost structures
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The closure of the BKK City was perhaps only the beginning of a wave of bankruptcies in the statutory health insurance funds. According to a report today by Steria Mummert Consulting to the end of next year, probably more health insurance will be closed because of their financial difficulties.
The closure of the BKK City will only be the beginning. By the end of 2012, further statutory health insurance will disappear from the market. A key reason for the difficulties of single: Only one of ten cash deals systematically to the cost structures of their policyholders and balances these with new, intelligent solutions to the supply management. This give the insurers an enormous potential to control their spending more effectively. By a professional customer value management would not only benefit the insurance companies, but also the customers – especially the chronically ill insured. The observations show market, Steria Mummert Consulting.
“Until now, most health insurance does not know specifically which customers they should move more into focus, so anyone who can benefit from new health care services such as special,” says Dirk Steffan, an expert on health at Steria Mummert Consulting. “A targeted customer value management one seeks in vain for 90 percent of the state scheme.”
It applies to the cash, act now and to professionalize its customer value management. For the latest in the coming year, the gap between revenue and expenditure will again become more open. Then write especially those statutory insurance black who manage to keep with innovative health care services especially for the chronically ill insured costs under control.
“Funds that do not yet have sufficient experience in the customer value management, but should not make the mistake to immediately start with highly complex models. Here it is, proceed gradually, “said Steffan. As the experience of Steria Mummert Consulting shows that most health insurance companies already have technical solutions that form the basis for a successful customer value management.
Background information
One of the most attractive customers are for health insurance since the introduction of health funds and risk compensation morbidity (Morbi RSA) no longer just mostly young and healthy insurance. Rather, it is especially the chronically ill, because they will get the statutory health insurance since 2009, much higher allocations. The health of the insured can be improved with specific programs of care, as demonstrated by studies. This term also reduces the expenditure of funds, for example, fewer hospital admissions. “
