The System of Social security in Germany assumes, that every person in the course of his life, social risks, the community to be covered to need to social hardship for an Individual to avoid. The policy has the task to eliminate such social risks or at least mitigate, and to guarantee their Social security.
In the social code book I, section 1 of the social state bid. Literally it says: “the law of The social law book should make to the achievement of social justice and social security, social benefits including social and educational assistance. It should help to ensure a decent existence, and to create equal conditions for the free development of the personality, especially for young people, to protect the family and promote, to allow the acquisition of livelihood through freely chosen activities, and special stresses of life, also to help themselves, avert and balance.“ (SGB I, § 1, Para. 1). The fulfillment of this concern is dealt with in the other law books. For health significant act are the following social books:
- SGB V: Statutory health insurance (GKV)
- SGB VII-Legal accident insurance
- SGB IX: Rehabilitation and participation of disabled people
- SGB XI: Social care insurance
Within the system of Social security to distinguish 3 design principles:
- The insurance principle assumes that a to assess the risk that each member of the community may, of this together. The insurance principle includes a contribution paid by all members of the community and justifies the performance. Without payment there is no power. This principle applies, for example, in the case of a travel accident insurance.
- By the supply principle States that a claim for benefits through special activities, e.g. as a civil servant. There are no contribution payments.
- The welfare principle provides a safeguard in case of emergency. There is no premium payment, the right to assistance is in the Form of fixed services increased, but depends on individual needs, however, reviewed previously (e.g. housing benefit).
In addition to these design principles, there are also 3 active principles.
- The equivalence principle is the basis of any private insurance. Contributions and benefits must correspond to; the higher the risk, the higher the contribution. This principle is used in e.g. private health insurance or a household insurance.
- The principle of solidarity assumes that every citizen contributions to the insurance according to his or her personal assets pays and benefits according to his needs. As a criterion for the assessment of the personal assets is currently used, nor the income from work, extending it to income from capital gains and rental income, is discussed. The more a Person earns, the higher the contributions have to be paid. This is both in the statutory health – as well as in the pension insurance of the case. The fundamental objective is that each Person is to receive the necessary care regardless of income. Nobody should be supplied because of a low income, untreated or under. In the statutory health insurance, three forms of solidarity-based compensation can be distinguished: There is a balance between the healthy and the sick persons, by both healthy and sick people pay the same percentage of your work income as a contribution. It is important to remember that approximately 10% of the Insured cause about 80% of the total costs of the Shi. There is a Solidarity-based compensation between higher and lower income due to the dependence of the contribution of the assessable income, which is referred to as the performance principle. And it is a solidarity exists out between dues-paying members contribution-free co-insured family members. In 2000, about 30%, and in the new countries 20% of the Insured contribution-free co-insured family members were in the old Federal States. It is different in the private health insurance. There is levied for each Person’s contribution.
- The subsidiarity principle makes the assumption that any social protection is not complete by the state can be met, but first each unit (family, community, state, and Federal government) self-help must, before the resources of the parent unit. Thus, the self-responsibility and self-help ability of the Individual to be addressed. In the statutory health insurance ease drugs have been taken out, therefore, from the Reimbursement by the GKV, but it is also a case of hardship and overwork regulations were introduced to ensure a load limit for the introduction of co-payments (2% of the gross annual income or 1% for chronically ill). In such cases, the health Sciences can contribute, on the consequences for the Insured and to avoid possible social hardship.
The Text comes from the book of Professor Cornelia Bormann: health Sciences
1. Edition, 256 pages, ISBN 978-3-8252-3788-2
The book is aimed at students of health Sciences, health Economics, and medicine. The importance of health is increasing in our society steadily. This development in the health Sciences. The Textbook presents the basic features of this young science by way of example, outlines the involved disciplines, ranging from medicine to Economics. It also shows important fields of application. These include, among other things, the health promotion and prevention, outpatient and inpatient care as well as Rehabilitation and care. Each Chapter is introduced with learning objectives and a short summary, a tag list, as well as review questions and further sources of literature completed. A Glossary rounds out this book.