Commercial health insurance - KKH

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Commercial health insurance - KKH
logo
social insurance statutory health insurance
Cash register type Substitute Fund
legal form Public corporation
founding March 10, 1890
Jurisdiction GermanyGermany Germany
Seat Hanover
Board Wolfgang Matz (Chair)
Ulrich Vollert
Board of Directors Erich Balser (Chair)
Hansjürgen Schnurr (Deputy)
Supervisory authority Federal Social Security Office
Insured 1.7 million (March 2019)
Budget volume approx. 6 billion euros (2019)
Offices 110 (March 2019)
Employee approx. 3900 (March 2019)
Website www.kkh.de

The commercial health insurance company - KKH , based in Hanover, is a Germany-wide substitute health insurance company and provider of statutory health insurance .

structure

The KKH is one of the largest national health insurance companies in Germany. As the carrier of statutory health insurance, it is a corporation under public law that is led by a full-time executive board . The KKH is a member of the Association of Substitute Funds (vdek). The social care insurance carried the sick persons insured by the care fund at KKH . In the area of private supplementary health insurance , Allianz Private Krankenversicherung was the exclusive cooperation partner from January 1, 2009 to December 16, 2012. Since December 17, 2012, supplementary insurance has been sold exclusively under the KKH Meinplus own brand , which is supported by DFV Deutsche Familienversicherung as the risk carrier .

Board of Directors and Board of Directors

The KKH board consists of two people. The most important body of self-administration at KKH is the board of directors . It consists of 30 voluntary members. The tenth legislative period began in autumn 2011. The next regular social elections will therefore take place in 2017. The members of the board of directors of the KKH also belong to the board of directors of the long-term care fund at the KKH.

Additional contributions

From March 1, 2010 to February 29, 2012, the KKH-Allianz had to raise an additional fee of 8.00 euros per month, regardless of income. Since January 1, 2015, it has been charging an income-related additional contribution of 0.9 percent of the contributory income, which rose to an above-average 1.2 percent on January 1, 2016 and has been 1.5 percent since April 1, 2017.

history

founding

The forerunner of the KKH was the commercial association founded by clerks in 1862. On March 10, 1890, the registered relief fund was founded in Halle (Saale) under the name Sickness and Funeral Fund of the Halle / Saale Commercial Association . With the entry into force of the RVO on January 1, 1914, it was approved as a substitute fund. On April 1, 1926, the name was changed to Commercial Health Insurance Halle (Saale) Ersatzkasse VVaG (KKH). In 1934 the cash register relocated to Berlin . On January 1, 1936, members who were not subject to compulsory insurance had to be hived off from the replacement funds. They were transferred from the KKH to the newly founded Hallesche Krankenkasse VVaG .

1945-2009

After the Second World War , Hanover became the new headquarters of the KKH. The fund lost over two thirds of its members (in East and Central Germany) as a result of the war. 1953 saw the first elections for self-government in the social security social election. The KKH received significant growth spurts from the re-admission of substitute funds in West Berlin (1958) and in Saarland (1960) and above all from the reunification of Germany in 1990. Up until 1995, the commercial group was mainly based on employees in commercial and related professions limited. Since the freedom of choice in 1996, everyone has been allowed to join the KKH, provided they have not closed themselves to statutory health insurance by choosing private health insurance. Since 2001, she has been investigating billing manipulation with a test group specifically following up indications of misconduct in the healthcare system. From January 1, 1995 to March 31, 2009, long-term care insurance for people insured with the KKH was carried out by the long-term care insurance at the KKH .

Since 2009

KKH building in Hanover
Logo until March 31, 2009
Logo from April 1, 2009 to December 16, 2012

Today's KKH was founded in 2009 through a new establishment with the integration of two company health insurance funds . On April 1, 2009, was Betriebskrankenkasse the alliance companies added about 100,000 insured and the name on KKH-Allianz (insurance fund) changed. From April 1, 2009 to December 31, 2012, long-term care insurance for the insured at the KKH was carried out by the long-term care insurance at the KKH-Allianz . On July 1, 2009, Metro AG Kaufhof BKK followed with around 50,000 policyholders.

At that time, the new KKH alliance was the fourth largest health insurer with over 2 million insured persons, a budget volume of over 4 billion euros, 4,300 employees in the head office and 113 service and competence centers. The growth process did not continue and the number of insured persons continued to fall. In 2009 it had 2.05 million insured persons, at the end of 2010 it had only 1.86 million insured persons. As of February 2018, the number of insured has fallen to 1.7 million.

On January 1, 2013, the additions Allianz (substitute fund ) and Allianz were repaid from the official statute names and the associated changes back to commercial health insurance - KKH and nursing care insurance at KKH due to the separation from strategic cooperation partner Allianz Private Health Insurance on December 31, 2012. In deviation from the official name of the articles of association Commercial Health Insurance - KKH , it has been using the name - analogous to its current logo - in reverse order as KKH Commercial Health Insurance Fund since December 17th, 2012 .

Offers and reception

The KKH was the first health insurance company to introduce individual telephone health coaching for insured persons to support therapeutic measures and promote a healthy lifestyle. In addition, the health fund is involved in integrated care (IGV), which is supposed to guarantee quality-assured treatment. The treatment model for help with chronic headaches and migraines in Essen, Munich and Jena is an example . The concept was recognized as a “lighthouse project” by the German Managed Care Association and included in the curriculum of the Harvard Business School (USA) as one of the three best care concepts in the world by Michael E. Porter .

criticism

At the end of October and beginning of November 2012, the political television magazine Frontal21 reported , referring to internal telephone logs, that the KKH had asked seriously ill people who did not pay their contributions in full to change health insurance. The KKH determined internally with the result that the alleged behavior had occurred in a few calls. The health insurance company apologized to the affected insured persons. The Federal Insurance Office , as the responsible supervisory authority, examined the process and did not identify any responsibility for the board of directors.

Web links

Individual evidence

  1. ↑ a b § 1 of the statutes of the commercial health insurance fund - KKH in the version of July 1, 2009. In: statutes of the KKH and the nursing care fund at the KKH , as of May 2019 (PDF; 401 kB). Retrieved October 19, 2019.
  2. ↑ a b c d Brief portrait of the KKH
  3. ↑ KKH-Allianz - Brief portrait, as of June 2009 ( Memento of the original from December 14, 2013 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. (PDF; 44 kB) @1@ 2Template: Webachiv / IABot / www.kkh.de
  4. ↑ Joint press release: KKH-Allianz and Allianz terminate their cooperation at the end of the year ( Memento of the original from December 14, 2013 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. @1@ 2Template: Webachiv / IABot / www.kkh.de
  5. ↑ Website of KKH MeinPLUS
  6. ↑ http://www.krankenkasseninfo.de/krankenkassen/liste/kkh-kaufmaennische-krankenkasse/kkh-kaufmaennische-krankenkasse-zusatzbeitrag.html
  7. ↑ Article I 1 with entry into force on January 1, 2013 of the 19th addendum to the statutes of the KKH-Allianz (substitute fund) in the version valid from July 1, 2009  ( page no longer available , search in web archives )  Info: The link was automatic marked as defective. Please check the link according to the instructions and then remove this notice. (PDF; 10 kB)@1@ 2Template: Toter Link / www.kkh.de  
  8. ^ L. Seebauer et al.: Attitudes of the chronically ill to health coaching by telephone. In: Healthcare. 73rd vol., No. 7), 2011, pp. 430-437, doi: 10.1055 / s-0030-1255082 .
  9. ↑ Competition for the patient. In: Der Spiegel. No. 48/2012, pp. 141–157.
  10. ↑ Ingo Kailuweit new board member of the German Society for Integrated Care in Health Care e. V. (DGIV). Press release No. 30/2011, dgiv.org, August 4, 2011 (PDF; 40 kB).
  11. ↑ U. Meier, HC Diener (Ed.): Integrated care in neurology. Thieme, Stuttgart 2007, ISBN 978-3-13-143671-9 .
  12. ↑ JN Weatherly, R. Seiler, E. Schmid, K. Meyer-Lutterloh, R. Lägel, VE Amelung (eds.): Lighthouse projects integrated care and medical care centers. Innovative models of practice (= series of publications by the Federal Managed Care Association ). Medical Scientific Publishing Company, Berlin 2006, ISBN 3-939069-20-5 .
  13. ↑ Michael E. Porter: Value-Based Competition in Health Care. ( Memento of the original from December 15, 2011 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. Kennedy School of Government, February 15, 2007. @1@ 2Template: Webachiv / IABot / www.isc.hbs.edu
  14. ↑ Serious allegations against KKH Allianz. ZDF , October 30, 2012, accessed November 2, 2012 .
  15. ↑ KKH Alliance is said to have disgusted the seriously ill. In: Der Spiegel . October 30, 2012, accessed November 2, 2012 .
  16. ^ Frontal21: Communication on our own behalf . ( Memento of the original from July 7, 2013 in the Internet Archive ) Info: The archive link was automatically inserted and not yet checked. Please check the original and archive link according to the instructions and then remove this notice. kkh.de. @1@ 2Template: Webachiv / IABot / www.kkh.de
  17. ^ Reply of the Federal Government. Answer to the small question from MPs Kathrin Vogler, Harald Weinberg, Dr. Martina Bunge, another MP and the DIE LINKE parliamentary group. (PDF; 93 kB) Printed matter 17/11910, p. 4. Accessed on January 9, 2013 .


Coordinates: 52 ° 23 '30.9 "  N , 9 ° 47' 48.6"  E