A study published today by adesso insurance solutions and the Leipzig insurance forums provides a clear picture of the German healthcare system in the years to come, as well as the role of private health insurance (PHI) in this sector.
- Demographics and the pandemic pose challenges to the healthcare system.
- The implementation of digital technologies opens the doors to new, additional services.
- Policy holders expect more active support and guidance from their health insurance providers.
The German health sector faces a number of challenges, which began before the pandemic and have been brought into focus, although not fundamentally altered, by the crisis. The study, "the Role of Private Health Insurance in the Healthcare System of the Future" shines a light on the political, socio-demographic, economic, and technological factors that will shape the German healthcare industry in the coming years. The relationship between clients (patients), providers (hospitals, doctors, pharmacies), and cost bearers (health insurance groups) continues to form the core of the healthcare system. However, the balance in the relationship between these three groups will change. Clients are increasingly gaining power in their interactions with the other two stakeholders and placing higher demands on them. The cost bearers must therefore take on a more active role, moving "from payer to player" in delivering healthcare and in the health activities of their members. At the same time, they must manage the effects of an aging society and the financial consequences of the coronavirus crisis on the contributions and benefits that form the basis of their services.