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Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer

Author

Listed:
  • Volker Meier
  • Florian Baumann
  • Martin Werding

Abstract

In the context of private health insurance contracts, loyalty reserves accrue that help limit the otherwise necessary increase in premiums for the elderly. The expected health-care costs increase for the elderly for two reasons: 1) health conditions worsen gradually even for fundamentally healthy individuals occurs and 2) the share of chronically ill persons for a given birth year increases. This study deals with the problem of how accrued loyalty reserves can be transferred to a new insurance provider without impairing the essential functions of the market.

Suggested Citation

  • Volker Meier & Florian Baumann & Martin Werding, 2004. "Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer," ifo Beiträge zur Wirtschaftsforschung, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 14.
    • Handle: RePEc:ces:ifobei:14
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    Citations

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    Cited by:

    1. repec:ces:ifodic:v:1:y:2003:i:3:p:14567912 is not listed on IDEAS
    2. Neusius, Thomas, 2017. "Wettbewerb um Bestandskunden in der PKV," wifin Working Paper Series 1/2017, RheinMain University of Applied Sciences, Wiesbaden Institute of Finance and Insurance (wifin).
    3. Volker Meier, 2003. "Portability of accrued reserves in private health insurance," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 56(24), pages 5-8, December.
    4. Volker Meier, 2006. "Not every reform is a good reform: Procedures for the transfer of accrued reserves in private health-care insurance," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 59(16), pages 21-24, August.
    5. Volker Meier & Martin Werding, 2007. "Risk-specific transferable ageing provisions in private health insurance," ifo Forschungsberichte, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 38, October.
    6. Nell, Martin & Rosenbrock, Stephan, 2007. "Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein konsistenter Ansatz zur Übertragung von individuellen Alterungsrückstellungen in der Privaten Krankenversicherung," Working Papers on Risk and Insurance 19, University of Hamburg, Institute for Risk and Insurance.
    7. Martin Nell & Stephan Rosenbrock, 2008. "Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein risikogerechter Ansatz zur Übertragung von Alterungsrückstellungen in der Privaten Krankenversicherung," Perspektiven der Wirtschaftspolitik, Verein für Socialpolitik, vol. 9(2), pages 173-195, May.
    8. Nell, Martin & Rosenbrock, Stephan, 2006. "Das Inflationsproblem bei der Übertragung von individuellen Alterungsrückstellungen in der privaten Krankenversicherung," Working Papers on Risk and Insurance 18, University of Hamburg, Institute for Risk and Insurance.
    9. Volker Meier, 2003. "Solving the Premium Risk Problem, Insurer Switches, and Transfers of Aging Provisions," ifo DICE Report, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 1(03), pages 20-23, October.
    10. Wasem, Jürgen & Buchner, Florian & Walendzik, Anke & Schröder, Michael, 2016. "Qualitative Analysen zur harmonisierten Berechnung einer Alterungsrückstellung und der verfassungskonformen Ausgestaltung ihrer Portabilität: Endbericht - Studie im Auftrag des Verbraucherzentrale Bun," IBES Diskussionsbeiträge 218, University of Duisburg-Essen, Institute of Business and Economic Studie (IBES).

    More about this item

    JEL classification:

    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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