Die obligatorische Krankenversicherung

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Monograph

Identifikator:: 176840707X

URN:: urn:nbn:de:zbw-retromon-149526

Document type:: Monograph

Title:: Die obligatorische Krankenversicherung

Place of publication:: Genf

Publisher:: Internationales Arbeitsamt

Year of publication:: 1927

Scope:: 892 Seiten

Digitisation:: 2021

Collection:: Economics Books

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Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: Dritter Teil. Einnahmequellen und Finanzgebaren

Collection:: Economics Books

APPENDIX A. 345 ———AAG for, while the contribution applicable to the new expenditure would cease at the age of 65, the expenditure would continua during life, and pro- vision would have to be made for the accumulation in respect of each person reaching 65 of a capital sum representing a life annuity at that age of seven-ninths of 7s. or 8s. 9d. a year as the case might be. i On this basis, therefore, the apportionment of the weekly contribution into its component parts would he as follows: — Men. a. Benefit Fund (including the new expenditure) ..,. 7-95 Reserve Values (interest and redemption) ... 80 Contingencies Fund s 5 ie i 0-0) Women. d. 7:65 "60 ~ The total amount of the reserve values on this basis would be about £41,000,000, being an increase of £6,000,000 on the sum of £35,000,000 named in para. 26. As explained in para. 23, the above sums of 7s. and 8s. 9d. would respec- tively be chargeable with any capitation allowance for medical benefit in excess of 9s. 6d. per annum. Only the balances remaining after such expenditure had been provided for would be available for new purposes. 31. Expenditure at the rate above indicated would amount in total to about £4,500,000 a year (inclusive of State grant), and in the course of a guinquennial period, after allowing for the set-off accruing from the reduec- tion of the contributions applied to the service of reserve values a total charge (with interest) of about £15,000,000 would fall to be met from the funds of the Approved Societies. For the greater part this sum would be met out of resources that, under existing conditions, would emerge as surplus at the quinquennial valuations. We are, however, constrained to point out that the imposition of the new burden would result in increased deficiencies where deficiencies now exist or in the creation of deficiency in certain cases where, on the present basis, surplus would have appeared. As the valuation reports have shown, the societies vary widely in their financial position, and only the margins which have emerged on the present basis have protected a number of them, with, in the aggregate, a substantial membership, from falling into a state of deficiency. The further expenditure contemplated by our terms of reference necessarily involves the reduction of these margins, and this is bound to have adverse results upon the solvency of the weaker units. It is impossible to form any definite opinion as to the membership of the societies which the new burdens would place in deficiency, one of the difficulties of the position being that the numbers would grow as the surpluses hitherto carried forward in sub-normal cases became exhausted and the full force of the new charges had to be met without the possibility of assistance from this source. We are led to expect, after making the best estimates of which the case admits, that the effect of the new burdens would he to create eventually a condition of deficiency in societies repre- senting about 10 per cent. of the whole insured population. This is a grave prospect, and although the machinery of the Central Fund is sufficient, we believe, to meet the situation we do not think we are going beyond our duty in inviting the Royal Commission to consider the effect upon the credit of the whole system of the adoption of changes such as might produce deficiency to the extent here indicated on the valuations of the societies—even though the means of subsequent adjustment existed and were ample for the purpose. We have taken note in this connection of the balances that are likely to accumulate in the Reserve Suspense Fund. Again we are precluded from forming dependable estimates by reason of the new conditions set up by the Contributory Pensions Act, the pro- visions of which may materially check the present rate of lapse from insurance. But, after giving full weight to the considerations which we 4709 M 4

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