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strategy. 30 The public health insurance organisations (Krankenkassen) are the Ersatzkassen (EK Allgemeine Ortskrankenkassen (AOK Betriebskrankenkassen (BKK Innungskrankenkassen (IKK Knappschaft (KBS and Landwirtschaftliche Krankenkasse (LKK). Since private health insurance is usually more expensive than public health insurance citation needed, the higher premiums must then be paid out of a lower income. Includes family members of any family members, or "registered member" ( Familienversicherung.e., husband/wife and children are free) is a "pay as you go" system there is no saving for an individual's higher health costs with rising age or existing conditions. Band 1 der Schriftenreihe: Gesundheitswirtschaft und Management. Hilbert: Beschäftigungstrends in der Gesundheitswirtschaft im regionalen Vergleich. Archived from the original (PDF) on 21 February 2006. A b c Siciliani,., Hurst,.

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Capitated care, such as that provided.S. 33 In the Public system the premium is set by the Federal Ministry of Health based on a fixed set of covered services as described in the German Social Law (Sozialgesetzbuch SGB which limits those services to "economically viable, sufficient, necessary and meaningful services". For glasses, coverage abroad and additional dental care or more sophisticated dentures). According to the Kassenärztliche Bundesvereinigung (KBV the body representing contract physicians and contract psychotherapists at federal level, 56 of Social Health Insurance patients waited 1 week or less, while only 13 waited longer than 3 weeks for a doctor's appointment. 15 Copayments were introduced in the 1980s in an attempt to prevent overutilization and control costs.

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