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Competitive analysis
Competitive analysis of the German health insurance market

The insured and their preferences. An online survey of 500 patients helped us to raise the level of awareness of information and preferences of the health care market. From the 2009 GKV Insurance Monitor. There are four insurance types. Value-oriented (16.7%) want to save and found a suitable tarif. Performance-oriented (33.7%) want an expansion of medical services and are ready for higher contributions to be made. Conservative (22.1%) are satisfied with the existing price of services or rely on their own because of lack of information on the best rates. Finally, more than a quarter (27.5%) are uninterested. Just under half (43.6%) of the respondents are interested in changing their insurance premiums. Here are people who want to expand their benefits. The offer - and your health insurance rates In a sample of 90 Insurance Companies, we analyzed the rates of the Health Insurance companies in the GKV Tarifmonitor 2009. The individual rates as well as the market orientation were analyzed. While the health insurance offers retention premiums (the insured are responsible for a certain portion of the costs themselves and the insurance pays a payment to the customer), the insured prefer reimbursement rates (the insurance company pays a premium, if only screening was used). In addition, variable reimbursement (health insurance pays more benefits and raises higher additional contributions) are rather rare and mainly used by the local insurance services. These rates would be appropriate for performance-oriented parties. The competitive behavior of the insurance companies can be structured into three groups:

  • Companies with the intent to acquire customers and offer a wide spectrum of options.
  • Companies that try to establish themselves as the cost leader
  • Companies which behave more conservatively and offer few new options. These behaviors are exhibited by the majority of the insurance companies and most are represented by these types.
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