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Adverse Selektion light – Der Einfluss des Flat-Rate-Bias auf das Tarifwahlverhalten bei Krankenversicherungen / Adverse Selection Light – How can flat-rate bias influence insurance demand

Author

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  • Drevs Florian
  • Nguyen Tristan

Abstract

With the GKV-Wettbewerbsstärkungsgesetz in 2007, German public health insurance can offer insurance tariffs with a cost sharing. The insured at these cost sharing tariffs participates at the costs in the insurance case. In return, the insured profits from contribution refunds. An important result from the insurance theory says that the insurers manage to separate the good and the bad risks from each other and to solve the problem of the adverse selection by the choice of so-called separating contracts.

Suggested Citation

  • Drevs Florian & Nguyen Tristan, 2012. "Adverse Selektion light – Der Einfluss des Flat-Rate-Bias auf das Tarifwahlverhalten bei Krankenversicherungen / Adverse Selection Light – How can flat-rate bias influence insurance demand," ORDO. Jahrbuch für die Ordnung von Wirtschaft und Gesellschaft, De Gruyter, vol. 63(1), pages 365-382, January.
    • Handle: RePEc:bpj:ordojb:v:63:y:2012:i:1:p:365-382:n:22
    DOI: 10.1515/ordo-2012-0122
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    References listed on IDEAS

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