Health maintenance organization

As health insurance (singular health insurance in Austria also medical insurance ) refers to the statutory health insurance. They are part of the health system and social security.

Germany

The " health insurance " (legal entities ) are indistinguishable from the " health insurance " as a business enterprise.

General reimburse health insurance companies in Germany the insured fully or partially the cost of therapies for sickness, maternity and often after an accident. They are part of the health and social security system in Germany. Since 1 January 2009 Pursuant to § 193 III SG for all persons residing in Germany, the General Health Insurance obligation to insure with an approved insurance company in Germany against medical expenses.

Switzerland

Principle

Health insurance companies are legal entities under private or public law, are non-profit, mainly operate the social health insurance and are recognized by the Federal Department of the Interior.

The statutory health insurance companies are regulated by the Federal Law on Health Insurance (KVG ) ( Insurance Act).

Forms of organization

The health insurance companies have to organize as an association, foundation, association or corporation with non- economic purpose.

Supervisors

Institutionally, the health insurance ( in compulsory health insurance) by the Federal Office of Public Health (BAG ) are supervised.

Main and secondary tasks

The health insurance companies operate mainly the social health insurance (compulsory insurance ). It is the health insurance free, however, in addition to the social health insurance and supplementary insurance (eg preferential treatment, higher comfort hospital, dental services, complementary medical services ) offer. They can operate more types of insurance (eg, death benefits and disability benefits) also to a certain extent. Finally, health insurance companies are allowed to carry a certain minimum level of insured and reinsurance.

Recognition requirements

A health insurance must perform particular social health insurance based on the principle of reciprocity and ensure the equitable treatment of members. You may use the means of social health insurance only for their purposes. She has to have an organization and management, which ensure compliance with the statutory provisions. You must at all times be able to meet its financial obligations. She has to perform a single daily allowance insurance under the Health Insurance Act and to have their headquarters in Switzerland. Finally, it has social health insurance also offer the insurable persons who reside in a Member State of the European Community, Iceland or Norway, if it is not exempt from this obligation by the Federal Council.

Number

( March 1, 2012 from the Federal Office of Public Health in accordance with list of approved health insurance status ) approved, but which are only partially active regional total, are listed in Switzerland currently 69 health insurers. See the list of approved health insurers in Switzerland.

Austria

In Austria, the carrier of the health insurance companies are the responsible health insurance. The contribution rate is currently at 7.5 % for Dependent (including additional premium and contribution supplements ) and is shared between employee and employer (for employees: DN: 3.65% DG: 3.75 % for manual workers: DN: 3.95% DG: 3.55 % for agricultural workers: DN: 3.8 % YS: 3.7%). The contribution rate for public employees is 7.8 % ( DN: 4.2% pensioners 4.75% DG: 3.6%). The contribution rate for self-employed is 9.1 %, 7.5% for farmers. Pensioners pay 4.95%. The maximum contribution base is 3840, - € per month, € 53 760 per year ( including two special payments). (2007)

The individual winners are:

• Regional health insurance: In every state there is a regional health insurance. The membership is not primarily dependent on the place of residence of the insured, but from the place where the insured activity is carried out ( for activities in different states is a subsidiary of the place of business or place of residence decisive ). So may be insured with the Vienna Health Insurance a Lower Austrian if he works in Vienna. The regional health insurance funds are responsible in all cases for the implementation of health insurance, in which not another health insurance carrier insurance belongs to, inter alia, for employees ( workers, employees ), apprentices, homeworkers, board of directors of a public company, a pension under the General Social Security Act and recipients of an performance after AlVG. However, a pension under the General Social Security Act are always at the regional health insurance health insurance in the state of the primary residence.
• Insurance Institution for Public Service (BVA ): When her the following categories of persons are insured: persons who are in a public employment; Persons who by choice or posting a state function exercise ( politicians ); Contract staff of the Federation, whose employment was established after December 31, 1998; Contract staff of the provincial, municipal associations and communities whose employment was established after 31 December 2000; Staff of the universities after the Universities Act 2002; A person who receives a rest or supply pleasure or a pension after such employment or of such a function ( pensioners)
• Company Health Insurance: This leading, health insurance for both employees and their eligible dependents in the companies as well as for pensioners from these companies through ( Betriebskrankenkasse Austria Tabak, Betriebskrankenkasse the Vienna transport company, company health insurance Mondi Business Paper, Betriebskrankenkasse VOEST -ALPINE Donawitz, Betriebskrankenkasse Zeltweg Betriebskrankenkasse Kapfenberg ).
• Social Insurance Authority for Business: responsible for freelancers and independent contractors, as well as a pension under GSVG
• Social Insurance Institution of farmers: Responsible for domestically in the agriculture and forestry self-employed workers and their main occupation mittätigen members as well as for those receiving a pension after BSVG
• Insurance Institute for railways and mining: Responsible for the servants of the public railways (ÖBB, private railways, etc. ), in the municipal utilities and auxiliary equipment (eg Bodensee ÖBB ), of sleeping and dining car companies, the Insurance Institute for railways and mining. In addition, for certain pensioners, recipients of a pension under the ASVG if this is paid by the VA and recipients of an ongoing cash benefit on any of those in § 479 ASVG pension institutions, pension recipients of a pension the pension insurance of employees, if the VA for health insurance last in the employment before the pension claim was responsible or ought to have been, and recipients of a rest ( supply enjoyment ) from the pension office of the ÖBB, of miners or equivalent operations

All health insurance are summarized in the Main Association of Austrian Social Security Institutions.

Some states and communities (Upper Austria, Tyrol, Vienna, Salzburg, Graz, Innsbruck, Bregenz, Villach, Wels, Steyr, Baden, Hallein ) entertained for their staff (officials / contract staff ) own support facilities, the Medical Care Center ( KFA ). These do not belong to the Federation.