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Kapitaldeckung als Antwort auf die demographische Herausforderung?

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  • Borchardt, Katja
  • Farhauer, Oliver

Abstract

Die demografische Alterung der Bevölkerung und der medizinisch-technischen Fortschritt als sich verstärkender zirkulär-kausaler Zusammenhang werden bei einer Beibehaltung der derzeitigen Finanzierung des deutschen Gesundheitswesens weitere Ausgabensteigerungen hervorrufen. Durch die Einführung eines Versicherungsschutzes mit Teilkapitaldeckung erscheint es möglich, diesen negativen Trend zu durchbrechen. Die Gesellschaftsmitglieder müssen bei dieser Entwicklung Rücklagen für ihr Alter bilden, da die Finanzierung des Gesundheitssystems über das bestehende Umlageverfahren zunehmend an seine Grenze stößt. Zudem hilft nur eine stärke Marktorientierung des Systems und den damit einhergehenden besseren Anreizstrukturen langfristig, das Gesundheitswesen bedarfsgerechter und kostengünstig zu gestalten.

Suggested Citation

  • Borchardt, Katja & Farhauer, Oliver, 2003. "Kapitaldeckung als Antwort auf die demographische Herausforderung?," Discussion Papers 2003/6, Technische Universität Berlin, School of Economics and Management.
    • Handle: RePEc:zbw:tubsem:20036
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    References listed on IDEAS

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    JEL classification:

    • D3 - Microeconomics - - Distribution
    • D6 - Microeconomics - - Welfare Economics
    • I0 - Health, Education, and Welfare - - General
    • K0 - Law and Economics - - General
    • N4 - Economic History - - Government, War, Law, International Relations, and Regulation

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