BKK Scheufelen
| BKK Scheufelen | |
|---|---|
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| social insurance | Statutory health insurance |
| Cash register type | Company health insurance |
| legal form | Public corporation |
| founding | December 31, 1888 |
| Jurisdiction | Baden-Württemberg |
| Seat | Kirchheim unter Teck |
| Board | Bernd Kratschmer |
| Supervisory authority | Ministry for Social Affairs and Integration Baden-Württemberg |
| Insured | approx. 85,000 |
| Budget volume | approx. 175 million (2018) |
| Offices | 2 |
| Employee | approx. 130 |
| Website | www.bkk-scheufelen.de |
The BKK Scheufelen is a carrier of public health insurance (SHI) from the group of Betriebskrankenkassen . It is organized as a corporation under public law with self-administration by representatives of the insured and employers. As a so-called state-direct health insurance company based in Kirchheim unter Teck , it is only open to people living or working in Baden-Württemberg .
Foundation and development
After the then Reich Chancellor Otto von Bismarck laid the foundation stone for social insurance in Germany in 1883, the owners of the Scheufelen paper mill founded the Oberlenningen paper mill health insurance for their employees and their relatives on December 31, 1888.
In 2004, the previously closed health insurance was also opened for non-company employees from the state of Baden-Württemberg .
Since it was opened, the number of policyholders has multiplied from around 3,500 at the time to over 85,000, including around 23,000 family members. The care of the insured is ensured by more than 130 employees in the offices in Kirchheim unter Teck and in Owen .
Contribution rates
Current contribution rate
Since January 1, 2009 the contribution rates have been standardized by the legislator. In the course of the financing reform in the statutory health insurance in 2015, the collection of income-related additional contributions was launched. BKK Scheufelen has been charging an income-related additional contribution of 0.6 percent of the contributory income since January 1, 2018 , making it one of the cheapest providers of statutory health insurance.
development
BKK Scheufelen was able to keep its contribution rate at a favorable level during the period of contribution autonomy before the introduction of the health fund within the framework of the GKV Competition Enhancement Act. With the radical restructuring in the statutory health insurance in 2009, however, the growth in expenditure in the statutory health insurance system that exceeded income was to be countered. In addition to collecting the standardized contribution rate of 15.5 percent of the contributory income, the health insurance companies were able to collect income-independent additional contributions or contribution relief for their members, depending on financial resources. BKK Scheufelen finally made use of this relief in 2013 by distributing a bonus of 125 euros to its members. When the financing reform came into force on January 1, 2015, these two control elements were again abolished in cash financing and, at the same time, the contribution autonomy was partially revived as part of the introduction of income-related additional contributions. In addition to the legally stipulated minimum contribution of 14.6 percent of the income subject to contributions, BKK Scheufelen raised an additional contribution of 0.4 percent in the years 2015-2017. From January 1, 2018, the additional contribution rate at BKK Scheufelen will be 0.6 percent.
| year | Contribution rate (%) |
|---|---|
| 2006 | 11.9 |
| 2007 | 12.4 |
| 2008 | 13.4 |
| 2009-2014 | 15.5 |
| 2015 | 15.0 |
| 2016 | 15.0 |
| 2017 | 15.0 |
| 2018 | 15.2 |
Finances
In 2014, BKK Scheufelen recorded an income surplus of around EUR 6 million with revenues of around EUR 95.2 million and expenditure of around EUR 89.2 million. This corresponds to income of just under EUR 1,991 and expenses of around EUR 1,865 per insured person in 2014.
The largest expenditure items were in hospital treatment with almost 22.3 million euros (around 465 euros per insured person), with around 19.4 million euros in medical treatment (around 406 euros per insured person) and with just under 12.3 million euros in the supply of pharmaceuticals (around 256 euros per insured person).
In the 2016 financial year, the budget volume of BKK Scheufelen is expected to be just under 110 million euros.
Services
In addition to the services prescribed by law in accordance with the fifth book of the Social Security Code, BKK Scheufelen offers some individual additional services beyond the legal framework.
As early as 1952, those in charge of the Scheufelen company health insurance fund recognized the great importance of the prevention and early detection of diseases, which are now being promoted by the legislature, by being the first health insurance company to introduce scheduled oral cavity renovation, the so-called full dental renovation, and thus to expand its range of services at an early stage.
Today, some statutory services are offered in the context of health care, the early detection of diseases and prevention . These include, for example, subsidies for professional teeth cleaning , subsidies for high-quality dental fillings , participation in glasses and contact lenses and the assumption of costs for further preventive examinations .
Awards
The good financial situation of the health insurance company was awarded top marks in a row by the business magazine Focus Money in 2013 and 2014 . In addition, BKK Scheufelen received awards in 2014 for good transparency, good membership development and low administrative costs.
In addition, quality management is certified in accordance with DIN EN ISO 9001 and customer satisfaction at BKK Scheufelen is checked by TÜV Süd .
In addition, the BKK Scheufelen brand and its logo have been registered in the register of the German Patent and Trademark Office as one of the first statutory health insurers since October 1, 2015 .
Web link
Individual evidence
- ↑ gkv-spitzenverband.de (PDF).
- ↑ Services A – Z
- ↑ Axel Hartmann: Threatening additional contributions: Service or cheap offer? These health insurances are worth their money. In: Focus Online . December 8, 2014, accessed October 14, 2018 .
- ↑ tuev-sued.de
- ↑ Information on the word / figurative mark “BKK Scheufelen” in the register of the German Patent and Trademark Office (DPMA)
Coordinates: 48 ° 38 ′ 44.2 " N , 9 ° 26 ′ 28.7" E