Was ist die Private Krankenversicherung? Mythos oder Realität? Meine Antwort: Beides!

So reiten die Medien fleißig den Mythos, dass die PKV im Alter teuer um nicht zu sagen unbezahlbar wird, weil dann die Beiträge übermäßig ansteigen. Deshalb setzen angeblich immer mehr Versicherte alle Hebel in Bewegung, um in den scheinbar sicheren Schoß der gesetzlichen Krankenkasse (GKV) zurückkehren zu können.

Doch die Realität schert sich nicht um Mythen, denn sie geschieht einfach, ob wir es nun wollen oder nicht!

Einen recht aufschlussreichen Realitätscheck, weil er sich auf interessante Fakten stützt, liefert uns in diesem Zusammenhang der Marktausblick zur Privaten Krankenversicherung 2016/2017 der ASSEKURATA Assekuranz Rating-Agentur GmbH.

Die von ihr bewerteten Unternehmen decken dabei nach vollversicherten Personen rund 60% des Marktes ab, also ein durchaus repräsentativer Querschnitt. Tendenziell stellen sie nach eigener Aussage eine Positivauswahl dar.

Beiträge im Alter

Die Quintessenz: Die PKV ist erheblich besser als ihr Ruf, denn die allgemeine Lage ist längst nicht so dramatisch, wie sie von den Medien dargestellt wird.

Es ist sicher nicht zu bestreiten, dass die Beitragsentwicklung bei einigen Unternehmen ein Problem darstellt. Aber dass deshalb gleich Millionen privat Versicherten die Altersarmut droht, ist eine reichlich abenteuerliche Schlussfolgerung.

Hierzu liefert uns die ASSEKURATA die passenden Fakten: Das bedeutet keine Explosion der Durchschnittsbeiträge bei den über 70-jährigen PKV-Versicherten, denn diese liegen bei den von ihr untersuchten Unternehmen in den Normaltarifen bei rund 420,- € (Männer) bzw. 470,- € (Frauen) pro Monat.

Das ist sicher nicht billig, aber für einen höherwertigen Versicherungsschutz, den gesetzlich Versicherte über entsprechende Zusatzversicherungen kompensieren müssen, absolut angemessen.

Davon können bei Rentnern obendrein bis zu 140,- € durch einen Zuschuss der Rentenversicherung abgedeckt werden.

Außerdem haben die Versicherten anders als in der GKV die Möglichkeit, mit Hilfe von Tarifumstellungen ihre Beitragsbelastung zu reduzieren.

Und dann gibt es quasi als ultima Ratio ja noch den Standard- bzw. den Basistarif, deren Versicherungsschutz in etwa dem der GKV entspricht.

Lt. ASSEKURATA liegt der Durchschnittsbeitrag eines Versicherten im Standardtarif bei rund 280,- € monatlich. Interessant ist in diesem Zusammenhang auch die Zahl der Versicherungskunden, die bislang diese Notbremse ziehen mussten, es sind nämlich gerade mal 45.000. Bezogen auf die Gesamtzahl aller Vollversicherten entspricht dies einem äußerst geringen Anteil von nur 0,5%. Und die Anzahl der Zugänge betrug in 2015 auch gerade mal 300 Personen.

Was hat die ASSEKURATA noch festgestellt? In Schwierigkeiten geraten hauptsächlich Selbständige und Freiberufler, weshalb Versicherer mit vielen Kunden aus dieser Klientel einen hohen Anteil an Versicherten in den Sozialtarifen, d.h. Notlagen- und Standardtarif, aufweisen.

Das Problem sieht die ASSEKURATA folgerichtig nicht in überhöhten Beiträgen im Alter, sondern in erster Linie in den wirtschaftlichen Schwierigkeiten dieser Kundengruppe, z.B. geringe Alterseinkünfte.

Und passend dazu ist die Beitragssituation für die meisten PKV-Versicherten auch in 2016 relativ entspannt, von einzelnen Ausreißern einmal abgesehen.

Ist die GKV eine Insel der Glückseligkeit?

Da bin ich sehr kritisch, denn auch GKV-Versicherte müssen ständig mehr bezahlen. So stieg der Höchstbeitrag in 2016 auf 665,29 € (inkl. Zusatzbeitrag). Wenn wir nun berücksichtigen, dass er 1970 noch bei 85,90 € und 1990 bei 343,05 € lag, wird sehr deutlich, dass die Problematik steigender Beiträge nicht auf die PKV beschränkt ist, sondern die GKV genauso betrifft.

Und vergessen wir nicht: Nahezu jede Gesundheitsreform bescherte den Kassenpatienten in der Vergangenheit Einschränkungen und Kürzungen bei den Versicherungsleistungen! Was bei PKV-Versicherten nicht ohne weiteres möglich ist, weil die Leistungen vertraglich fixiert sind.

Weiterhin ist kaum jemand bewusst, dass eine betriebliche Altersversorgung für einen PKV-Versicherten wesentlich lukrativer ist als für den GKV-Versicherten. Denn dieser muss darauf im Rentenalter über 18% Kranken-und Pflegeversicherungsbeiträge abführen.

Mythos Wachstum

Volkswirtschaftlich ist der ganze Wachstumswahn sowieso eher kritisch zu sehen. Um aus betriebswirtschaftlicher Sicht gut aufgestellt zu sein, muss ein Unternehmen nicht ständig wachsen, vielmehr müssen Umsatz und Kosten in einem gesunden Verhältnis stehen.

Dies gilt selbstverständlich auch für eine Private Krankenversicherung. Ein nachhaltig solider PKV-Versicherer zeichnet sich passend dazu dadurch aus, dass er auf aggressive Wachstumsstrategien verzichtet.

Und was die Gewinnsituation betrifft, da hat die PKV von 2012 bis 2015 trotz der rückläufigen Nettoverzinsung ausgesprochen erfolgreiche Jahre hinter sich. So weisen die meisten Anbieter eine hohe versicherungsgeschäftliche Ergebnisquote auf.

Spannend ist aber vor allem die Tatsache, dass von einem Mythos "Massenflucht in die GKV", der von den Medien wiederholt kolportiert wurde, so gar keine Rede sein kann.

Nun ist es absolut richtig, dass mehr Versicherte die PKV in Richtung GKV verlassen als umgekehrt. Allerdings liegt lt. ASSEKURATA die Hauptursache hierfür in der Zwangsverpflichtung von zwei konkreten Personengruppen. Dies sind zum einen Jugendliche, die eine Berufsausbildung beginnen und zum anderen Selbständige, die in ein Angestelltenverhältnis wechseln.

Dass Versicherte in hellen Scharen panikartig der PKV den Rücken kehren, entpuppt sich also im wahrsten Sinne des Wortes als Zeitungsente.

Fazit

Wie es bei Mythen so häufig der Fall ist, ergibt der Realitätscheck das genaue Gegenteil von dem, was über die PKV häufig in Umlauf gebracht wird.

Nutzen Sie gerne die Kommentarfunktion!

Falls sie noch mehr erfahren möchten, nehmen Sie Kontakt mit uns auf! Hier geht es zu Übersicht und hier erfahren Sie mehr über uns!

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