Tuesday, August 30, 2005

Saksan terveydenhuolto

Saksassakin alkaa terveydenhuollon turvaverkosto rakoilla, kirjoittaa Handelsblatt 30.8.05.

Ausschluss: Es gibt viele Gründe, warum Bürger aus der Krankenversicherung fallen können. Wer etwa auf Grund zu hohen Restvermögens kein Arbeitslosengeld II bekommt, ist seit Hartz IV unversichert. Wer bei einem Aufnahmeantrag in die Privatversicherung Krankheiten verschweigt oder falsch angibt, ist schnell unversichert. Sind Verbraucher ihrer privaten oder gesetzlichen Krankenversicherung zwei Monatsbeiträge schuldig, geht es auch sehr schnell.
Suomennos: Kansalainen voi tippua sairausvakuutuksen ulkopuolelle monista syistä. Jos henkilöllä ei ole oikeutta työttömyyspäivärahaan, lakkaa vakuutus olemasta voimassa. Jos henkilö hankkii yksityisen sairausvakuutuksen eikä kerro kaikkia sairauksiaan, menettää jatkossa vakuutusturvansa.

Rückkehr: Die spätere Rückkehr ist häufig schwierig. In die gesetzliche Kasse zurück kann nur derjenige, der sich einen neuen Job sucht: eine abhängige Beschäftigung mit einem Jahreseinkommen unterhalb der Grenze von 46 350 Euro, bis zu der Versicherungspflicht herrscht.
Suomennos: Sairauskassaan palaaminen on usein vaikeaa. Lakisääteiseen sairauskassaan pääsee vain mikäli onnistuu hankkimaan uuden työpaikan, jossa vuosiansio on yli 46350 euroa.

Altersrisiko: Menschen, die älter sind als 55 und in den vergangenen fünf Jahren nicht gesetzlich versichert waren, haben es besonders schwer. Wer nicht die Vorversicherungszeiten erfüllt, hat auch keine Chance, sich freiwillig in einer gesetzlichen Kasse abzusichern. Die größte Hürde für die Wiederaufnahme in die private Versicherung ist hingegen die Gesundheitsprüfung.
Suomennos: Yli 55-vuotiailla, jotka eivät ole kuuluneet viimeisen viiden vuoden aikana lakisääteisen vakuutuksen piiriin, on tilanne erityisen vaikea. He eivät pääse lakisääteisen sairauskassan piiriin. Yksityisen sairausvakuutuksen saadakseen heidän on todistettava tervytensä.

Kommentti: Suomen yleinen sairausvakuutus näyttää jälleen voimansa ja inhimillisyytensä. Vastuu terveydenhuollosta jaetaan tasaisesti kansalaisten kesken verotuksen kautta. Kylläkin meillä terveydenhuollon kokonaismenoista vastaavat kansalaiset suoraan lompakostaan noin 25 %:n osuudella vuosittain.


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