07 August 2006

Fusionen für nichts gut?

Heute in der FAZ:
"Rürup: Kassenfusionen sparen keine Verwaltungskosten"

Herr Rürup ist ja nun nicht irgendjemand. Der Mann hat Erfahrung und Einfluss. Bericht über Herrn Rürup bei Wikipedia:
http://de.wikipedia.org/wiki/Rürup

In einem Interview sagte er: "Er warnte vor der Annahme, allein mit Fusionen ließen sich Verwaltungskosten einsparen. „Wenn diese These zutreffen würde, dann müssten die Verwaltungskosten mit zunehmender Kassengröße abnehmen.“ Die Empirie belege das nicht. Die Kosten stiegen."

Leider liefert der Bericht keine Anhaltspunkte, warum das so sein soll.
In der Wirtschaft werden oft und gerne Fusionen oder Übernahmen damit begründet, dass dadurch Synergie-Effekte (http://de.wikipedia.org/wiki/Synergieeffekt) erreicht werden können. Das dies nicht immer so funktioniert, wie sich das Management es denkt, lernt jeder BWL Student schon im Grundstudium. Und jeder Arbeitnehmer, der in seiner Firma mal solch einen Zusammenschluss live erleben durfte, in der Praxis.

Das der Hochregulierte Markt für gesetzliche Krankenkassen in Deutschland nicht unbedingt zu 100 % den üblichen Marktbedingungen folgt, glaube ich auch gerne. Aber das durch Fusion von Krankenkassen keine Ersparnis bei den Verwaltungskosten eintreten soll, ist mir unverständlich. Selbst wenn die ganzen Hirachen in den Krankenkassen und die ganzen Chefs in den Aufsichtsgremien anderweitig versorgt und neue Pöstchen bekommen, sollte doch das ein oder andere Potential übrig bleiben. Ich denke da nur mal an Call-Center, Kundenservice, Abrechnung, Verträge und Genehmigungen für Leistungen die mit den Krankenkassen abgerechnet werden sollen (Stichwort: Kassenärztliche Zulassung). Das soll keine Einsparung bringen? Von Dinge wie EDV zusammenlegen, gemeinsames Marketing, Personalbetreuung, wollen wir mal gar nicht von reden. Wenn die Krankenkassen anfangen würden, sich auf ihre Kernaufgabe zu konzentrieren, könnten die Verwaltungskosten deutlich gesenkt werden.

Warum es in Deutschland mehr als 200 gesetzliche Krankenkassen gibt, ist mir eh unverständlich. Die Leistungen sind festgeschrieben, mit allen Berufsverbänden (Ärzten, Optikern, Apothekern und was es da alles gibt) existieren Vereinbarungen, die regelmäßig von allen Krankenkassen gleich angewendet werden. Um Risiken in der Versichertengruppe auszugleichen gibt es den Risikostrukturausgleich. Zitat aus Wikipedia: "Im Jahr 2004 wurden durch den Risikostrukturausgleich ca. 16,1 Mrd. € zwischen den Krankenkassen umverteilt."
Warum braucht man dann so viele Krankenkassen? Mein Vorschlag: Alle einstampfen, eine Einheitskasse und gut ist. Bei der Rente (nicht ganz, aber ziemlich) und bei der Arbeitslosenversicherung gibt es auch kein Schein-Wettbewerb.

Einige mögen jetzt einwenden, dass die Arbeitslosenversicherung kein gutes Beispiel wäre, ich weiß, gerade dort gibt es Bestrebungen mehr Wettbewerb einzuführen. Doch muss man hier trennen zwischen der originären Aufgabe der Arbeitsagentur (nämlich das Einsammeln des Arbeitslosenversicherungsbeiträge und deren Auszahlung an Empfänger von Arbeitslosengeld) und den sonstigen Leistungen, die nicht zwingend von einer Behörde erbracht werden müssen, wie Vermittlung oder Förderung.

Vielleicht wird das Interview der FAZ mit Herrn Rürup von anderen Medien aufgegriffen und ich werde in einem anderen Artikel erfahren, warum Herr Rürup denkt, dass nicht unbedingt Einsparungen zu erwarten sind.

62 Kommentare:

  1. Anonym12:44 AM

    I have been surfing online more than three hours
    today, yet I never found any interesting article like yours.
    It is pretty worth enough for me. In my view, if all webmasters and bloggers made good
    content as you did, the net will be much more useful than ever before.


    Also visit my web page - Fahrzeugfinanzierung ohne schufa
    My homepage :

    AntwortenLöschen
  2. Anonym12:56 AM

    Hi, Neat post. There is an issue together with your website
    in web explorer, might check this? IE nonetheless is the
    market leader and a big section of folks will miss your
    fantastic writing due to this problem.

    Take a look at my web blog :: private krankenversicherung studenten
    Feel free to visit my page ...

    AntwortenLöschen
  3. Anonym4:45 AM

    This excellent website definitely has all of the information I wanted about this subject and didn't know who to ask.
    Also visit my web blog how to become an affiliate

    AntwortenLöschen
  4. Anonym3:39 PM

    If some one wishes expert view concerning blogging afterward
    i advise him/her to pay a visit this webpage, Keep up
    the nice job.
    Feel free to surf my weblog : kredite trotz schufa eintrag

    AntwortenLöschen
  5. Anonym4:50 PM

    Hello There. I discovered your blog using msn. That is a very well written article.
    I'll make sure to bookmark it and come back to read extra of your useful information. Thanks for the post. I'll certainly return.
    My webpage ; managed hosting

    AntwortenLöschen
  6. Anonym12:46 PM

    It's enormous that you are getting thoughts from this post as well as from our argument made at this place.

    Visit my website :: private krankenversicherung vergleich beamte
    Feel free to surf my web page

    AntwortenLöschen
  7. Anonym4:21 PM

    Hello colleagues, its great article concerning cultureand entirely explained, keep it
    up all the time.
    Also visit my web page :: studenten krankenversicherung vergleich

    AntwortenLöschen
  8. Anonym8:50 AM

    Attractive component to content. I simply stumbled upon your weblog and in accession capital to say that
    I get actually enjoyed account your weblog posts.
    Anyway I'll be subscribing to your feeds or even I success you access constantly quickly.
    Check out my weblog ; aigner outlet online

    AntwortenLöschen
  9. Anonym11:26 AM

    Excellent site. Plenty of helpful information here.

    I am sending it to several pals ans also sharing in delicious.
    And naturally, thanks in your effort!

    Feel free to surf to my homepage; make money from affiliate
    Also visit my web page ...

    AntwortenLöschen
  10. Anonym4:40 PM

    Normally I do not read article on blogs, however I would like
    to say that this write-up very pressured me to try and do so!
    Your writing style has been surprised me. Thank you, quite nice
    post.
    My blog post ... Tybee Island Vacation Rentals Oceanfront

    AntwortenLöschen
  11. Anonym3:03 PM

    There's definately a great deal to learn about this topic. I really like all of the points you've made.
    Feel free to visit my blog - private krankenversicherung studenten

    AntwortenLöschen
  12. Anonym9:08 PM

    Wow, that's what I was exploring for, what a information! existing here at this blog, thanks admin of this website.

    My web-site ... krankenversicherung rechner
    Feel free to visit my web blog -

    AntwortenLöschen
  13. Anonym3:48 AM

    Admiring the hard work you put into your website and detailed information
    you provide. It's awesome to come across a blog every once in a while that isn't the same old rehashed information.
    Great read! I've saved your site and I'm adding your
    RSS feeds to my Google account.
    My page :: information on starting your own business

    AntwortenLöschen
  14. Anonym3:22 AM

    This is really fascinating, You are a very skilled blogger.
    I have joined your feed and stay up for in quest of extra of your great
    post. Also, I have shared your site in my
    social networks
    Feel free to surf my blog post ; mortgage for bad credit

    AntwortenLöschen
  15. Anonym6:42 PM

    I every time spent my half an hour to read this weblog's posts every day along with a mug of coffee.
    Also visit my web-site : bestellung trotz schufa

    AntwortenLöschen
  16. Anonym7:48 AM

    Wonderful goods from you, man. I have understand your stuff previous
    to and you're just extremely wonderful. I actually like what you've acquired here, certainly like what you're saying and the way in which you say it. You make it entertaining and you still take care of to keep it wise. I can't wait to read much more from you.
    This is really a great site.

    Take a look at my weblog - how to make money with clickbank
    Also visit my weblog -

    AntwortenLöschen
  17. Anonym5:30 PM

    Hi there, I log on to your blogs daily. Your story-telling style is
    awesome, keep up the good work!
    My page - the best web hosting uk

    AntwortenLöschen
  18. Anonym12:53 AM

    Hi there this is somewhat of off topic but I was
    wanting to know if blogs use WYSIWYG editors
    or if you have to manually code with HTML. I'm starting a blog soon but have no coding know-how so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!
    Here is my website : Familien Krankenzusatzversicherung

    AntwortenLöschen
  19. Anonym7:51 AM

    Currently it appears like BlogEngine is the preferred blogging platform out
    there right now. (from what I've read) Is that what you are using on your blog?
    Also see my page: clicbank

    AntwortenLöschen
  20. Anonym12:46 PM

    Do you mind if I quote a couple of your articles as
    long as I provide credit and sources back to your site?
    My blog is in the exact same area of interest as yours
    and my users would truly benefit from some of the information you provide here.
    Please let me know if this okay with you. Thank you!
    Look into my web page : private krankenversicherung günstiger als gesetzliche

    AntwortenLöschen
  21. Anonym12:46 PM

    Hello, i feel that i noticed you visited my weblog
    so i came to go back the favor?.I'm trying to find issues to improve my website!I assume its good enough to make use of a few of your ideas!!
    Also visit my web site : gesetzliche krankenkasse deutschland

    AntwortenLöschen
  22. Anonym1:53 PM

    This website certainly has all of the info I wanted about this subject and didn't know who to ask.
    Here is my page ; new clickbank products

    AntwortenLöschen
  23. Anonym4:33 PM

    If you would like to take much from this piece of writing then
    you have to apply these techniques to your won webpage.
    Here is my web page ; business ideas india

    AntwortenLöschen
  24. Anonym4:58 PM

    Great post.
    Also visit my blog post ; affliate marketing

    AntwortenLöschen
  25. Anonym9:33 AM

    Thanks very nice blog!
    Take a look at my webpage :: hawaiian islands vacation packages

    AntwortenLöschen
  26. Anonym11:22 PM

    I was curious if you ever considered changing the page layout of your blog?
    Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of
    content so people could connect with it better. Youve got an awful lot
    of text for only having one or two images. Maybe you could
    space it out better?
    Feel free to visit my web-site :: seo rank experts

    AntwortenLöschen
  27. Anonym1:34 AM

    Thanks , I've recently been searching for information about this subject for a while and yours is the best I've discovered so far.
    However, what about the conclusion? Are you positive in regards to the source?
    Also visit my page ; handyverträge ohne schufa

    AntwortenLöschen
  28. Anonym7:21 PM

    I am curious to find out what blog system
    you are using? I'm having some minor security problems with my latest site and I would like to find something more safe. Do you have any recommendations?
    Here is my page :: online shop günstig

    AntwortenLöschen
  29. Anonym12:49 AM

    You are so awesome! I don't think I've read through anything like
    this before. So nice to discover somebody with original thoughts on this subject matter.
    Seriously.. thanks for starting this up. This site is something that's needed on the web, someone with some originality!
    Feel free to surf my web-site ... help with business

    AntwortenLöschen
  30. Anonym1:35 AM

    What's up colleagues, how is everything, and what you wish for to say about this piece of writing, in my view its genuinely remarkable for me.
    Also see my webpage > best seo specialist

    AntwortenLöschen
  31. Anonym5:14 PM

    Nice blog here! Also your website loads up very fast!

    What web host are you using? Can I get your affiliate link to your host?
    I wish my web site loaded up as quickly as yours lol
    Here is my webpage ... Stay At Home Jobs That Are Not Scams

    AntwortenLöschen
  32. Anonym9:21 PM

    I love it when individuals come together and share thoughts.
    Great website, stick with it!
    Also visit my web blog - private krankenversicherung rentner

    AntwortenLöschen
  33. Anonym10:11 AM

    Attractive section of content. I just stumbled upon
    your weblog and in accession capital to assert that I get actually enjoyed account your blog posts.
    Any way I will be subscribing to your feeds and even I achievement you access consistently
    fast.
    Also visit my weblog :: installment loans for bad credit

    AntwortenLöschen
  34. Anonym7:08 PM

    It's remarkable to visit this website and reading the views of all colleagues regarding this post, while I am also eager of getting know-how.
    Also see my web site: entrepreneur companies

    AntwortenLöschen
  35. Anonym6:29 AM

    This post will help the internet viewers for creating new blog or even a weblog
    from start to end.
    My web site : bad credit home loan purchase

    AntwortenLöschen
  36. Anonym8:08 PM

    It's wonderful that you are getting ideas from this article as well as from our argument made at this place.
    My website: best paying work from home jobs

    AntwortenLöschen
  37. Anonym10:57 AM

    I was suggested this website by means of my cousin.
    I'm not sure whether this put up is written by way of him as nobody else understand such targeted approximately my difficulty. You are amazing! Thanks!
    Feel free to surf my webpage can you get a fha loan with bad credit

    AntwortenLöschen
  38. Anonym11:06 PM

    An intriguing discussion is worth comment.

    I do believe that you need to write more on this topic, it may not
    be a taboo subject but usually people don't discuss such issues. To the next! Best wishes!!
    Here is my web-site : Krankenversicherung Gesetzliche

    AntwortenLöschen
  39. Anonym4:50 PM

    I've been surfing online more than 3 hours today, yet I never found any interesting article like yours. It's pretty worth enough
    for me. In my opinion, if all site owners and bloggers made good content as
    you did, the web will be a lot more useful than ever before.
    My website ... professional seo services

    AntwortenLöschen
  40. Anonym12:15 AM

    It's difficult to find well-informed people about this topic, but you sound like you know what you're
    talking about! Thanks
    Feel free to surf my web blog : consolidate credit card

    AntwortenLöschen
  41. Anonym12:52 AM

    Have you ever thought about adding a little bit more than just your articles?

    I mean, what you say is valuable and all. Nevertheless think
    of if you added some great images or videos to give your posts more, "pop"!
    Your content is excellent but with images and video clips, this website could definitely be one of the greatest in its niche.
    Wonderful blog!
    Stop by my website privatversicherungen

    AntwortenLöschen
  42. Anonym6:33 AM

    Today, I went to the beach with my children. I found a sea
    shell and gave it to my 4 year old daughter and said "You can hear the ocean if you put this to your ear." She put the shell
    to her ear and screamed. There was a hermit crab inside
    and it pinched her ear. She never wants to go back!
    LoL I know this is entirely off topic but
    I had to tell someone!
    Here is my homepage seo company boston

    AntwortenLöschen
  43. Anonym4:43 PM

    Thanks to my father who shared with me on the topic of this web site, this webpage is really awesome.
    Also visit my web blog : billige kleidung online kaufen

    AntwortenLöschen
  44. Anonym8:43 AM

    Hey there exceptional website! Does running a blog like this require a massive amount work?
    I have virtually no knowledge of computer programming but I was hoping to start my own
    blog soon. Anyway, should you have any suggestions or tips for new blog owners please share.
    I understand this is off subject however I simply
    needed to ask. Cheers!

    Have a look at my web site http://www.stuartgarthwaite.co.uk/wiki/index.php/User:OHGGuyiwur
    My web site - working at home

    AntwortenLöschen
  45. Anonym11:24 AM

    Hey! This is my first visit to your blog! We
    are a collection of volunteers and starting a new project in a community in the same niche.
    Your blog provided us valuable information to work on.
    You have done a extraordinary job!

    Also visit my website ... Seo Myths
    Also see my web page > local seo marketing

    AntwortenLöschen
  46. Anonym5:41 AM

    It's really a nice and useful piece of information. I'm satisfied that you
    shared this helpful info with us. Please keep us informed like this.
    Thanks for sharing.

    my blog post: therapy quit smoking
    my site - quit smoking today

    AntwortenLöschen
  47. Anonym4:02 PM

    Have you ever considered creating an e-book or guest authoring on other websites?
    I have a blog centered on the same subjects you discuss
    and would love to have you share some stories/information.
    I know my visitors would value your work. If you are even remotely
    interested, feel free to shoot me an e mail.


    Look into my site; online shopping websites

    AntwortenLöschen
  48. Anonym2:35 AM

    Greate pieces. Keep posting such kind of info on your
    page. Im really impressed by your site.
    Hey there, You have done a fantastic job.
    I will certainly digg it and individually suggest to my
    friends. I am confident they'll be benefited from this web site.

    Also visit my webpage California Health Insurance

    AntwortenLöschen
  49. Anonym5:03 AM

    If you are going for finest contents like me,
    only pay a visit this web site everyday as it offers feature contents, thanks

    my webpage ... http://www.tawsal.net/index.php?do=/blog/93405/easy-systems-for-link-building

    AntwortenLöschen
  50. Anonym9:17 PM

    I loved as much as you'll receive carried out right here. The sketch is attractive, your authored material stylish. nonetheless, you command get got an nervousness over that you wish be delivering the following. unwell unquestionably come more formerly again as exactly the same nearly a lot often inside case you shield this hike.

    Feel free to surf to my web-site - http://www.vetikke.no/index.php?title=Bruker:TawannaSt

    AntwortenLöschen
  51. Anonym1:00 PM

    Keep on working, great job!

    Here is my blog post :: fiber supplement

    AntwortenLöschen
  52. Anonym8:33 PM

    Excellent, what a webpage it is! This webpage presents useful information to
    us, keep it up.

    Review my site; click through the up Coming article

    AntwortenLöschen
  53. Anonym7:11 PM

    izpf8q3ev

    Also visit my website - Lenders for Payday Loans

    AntwortenLöschen
  54. Anonym7:11 PM

    nxsywfray

    My web page - same day loans

    AntwortenLöschen
  55. Anonym1:32 PM

    Hey this is kinda of off topic but I was wanting to know
    if blogs use WYSIWYG editors or if you have to manually code
    with HTML. I'm starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!

    my site drip coffee makers

    AntwortenLöschen
  56. Anonym6:21 PM

    Hi there! Do you know if they make any plugins to help with Search Engine Optimization? I'm trying to get my blog to rank for some targeted keywords but I'm not seeing very good results. If you know of any please share. Kudos!|
    [url=http://instantonlinepayday.co.uk/]paydayloans
    [/url]

    AntwortenLöschen
  57. Anonym6:12 PM

    After I initially commented I appear to have clicked on the -Notify
    me when new comments are added- checkbox and from now on
    every time a comment is added I get 4 emails with the same comment.
    Is there an easy method you are able to remove me from that service?
    Many thanks!

    Look into my page ... Cassie - www.fedora-linux.nl

    AntwortenLöschen
  58. Anonym10:13 PM

    Every weekend i used to pay a visit this site, as i want enjoyment, since this
    this website conations really nice funny material too.

    Here is my site ... http://wiki.cgame.vn

    AntwortenLöschen
  59. Anonym12:05 AM

    Hello, I read your blog daily. Your writing style is witty,
    keep doing what you're doing!

    Also visit my page; unwanted clothing Items

    AntwortenLöschen
  60. Anonym10:09 PM

    Hi! I just would like to give you a big thumbs up for the excellent information you have got right here on
    this post. I am returning to your website for more soon.


    my blog - http://wiki.lugverona.it/

    AntwortenLöschen
  61. Anonym2:47 AM

    Nice to see you posting on this matter, I necessitate to bookmark this web page.
    Continue up the significant work.

    Also visit my webpage - günstig kleidung online kaufen

    AntwortenLöschen