Health insurance companies will receive millions of euros a year for dead souls

The health insurance companies will receive insurance premiums of about 5.5 million euros per year for insured persons who are already insured after their death, but do not appear not in the register. For so-called dead souls also receive health care for around 350,000 euros. This shows the analysis of the Financial Policy Institute (IFP) at the Ministry of Finance.

"The existence of dead souls is likely to result in the deportation or possible deportation of insured persons after their death." Health insurance automatically takes birth in Slovakia at birth. death or by a statement to another insurance company.In cases where death occurs in health care facilities, health insurance may be fast. "

" In other cases, insurers should collect information on deaths in the matrices.The problem is that of deaths abroad when the information on Slovakia has not been reached or with a significant delay, "said Michaela Chernenko, IFP analyst

. They are mainly among the oldest insured, and they are mostly men. The average age of dead souls identified was 85 to 90 years old. Most often, the insurers of the General Health Insurance Company owned by the state

"Insurer's insolvency generally record minimal costs, their existence leads to underestimate the average cost older age groups.This leads to a growing error in the estimation of future health costs and presents the risks of aging populations.The existence of dead souls makes that the People over the age of 95 seem on average to be healthier than men aged 25 to 34, who are generally the healthiest, "says Chernenko

. "At the end of the day, it could affect the income of individual insurers for the second time – in the reallocation of premiums," she added. Over the past two years, IFP has made several positive changes to the legislation to deal with the situation. For example, health funds automatically collect information on deaths

In order to make public resources unsuitable for the deceased, IFP recommends the complete cleaning of health insurance funds

" It is important to actively inspect the duration of insurance contracts. Another problem is the death of foreigners in the past, for which information about Slovakia has never reached and is also a problem for other public databases. In other words, the reliable reference register of natural persons can be registered as a long-term resident abroad. This would help the system of active screening of typed persons, "summarized Chernenko.