Health insurance company dares to experiment: legally insured – treated privately

However, the question of financing hovers over this. Because if the health insurance company pays doctors more for more services, expenses will rise accordingly. Nevertheless, Hermes is convinced that it can finance this.

“Better treatment reduces the number of hospital stays and the number of prescribed medications, remedies and aids,” says Hermes. “We are shortening people’s suffering and that will ultimately be reflected in our spending.”

At the same time, the IK boss hopes to attract more insured people to his health insurance company through his new offer. “I am convinced that there are enough people who will value this service,” said Hermes.

First of all, the new system is only limited to Bavaria. The number of possible beneficiaries is therefore manageable. The IK has around 270,000 insured people, most of them in northern Germany. For Bavaria, Hermes estimates the number of insured people to be in the five-digit range.