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Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer

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Author Info

  • Volker Meier

    ()

  • Florian Baumann
  • Martin Werding

Abstract

Im Rahmen von privaten Krankenversicherungsverträgen werden Altersrückstellungen gebildet, um den sonst eintretenden Prämienanstieg im Alter deutlich zu begrenzen. Die erwarteten Krankheitskosten steigen mit dem Alter aus zwei Gründen: 1.) auch für grundsätzlich gesunde Individuen erfolgt eine kontinuierliche Verschlechterung des Gesundheitszustandes und 2.) steigt der Anteil der chronisch Kranken aus einem Geburtsjahrgang. Die Studie behandelt das Problem, wie ein Rückstellungstransfer beim Versicherungswechsel ausgestaltet werden kann, ohne wesentliche Funktionen des Marktes zu beeinträchtigen.

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Bibliographic Info

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This book is provided by Ifo Institute for Economic Research at the University of Munich in its series ifo Beiträge zur Wirtschaftsforschung with number 14 and published in 2004.

Handle: RePEc:ces:ifobei:14

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Related research

Keywords: Krankenversicherung; Vertrag; Lebensalter; Versicherungsprämie; Simulation;

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Cited by:
  1. 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.
  2. Volker Meier, 2006. "Nicht jede Reform ist eine gute Reform: Verfahren zur Übertragung individueller Alterungsrückstellungen in der Privaten Krankenversicherung," Ifo Schnelldienst, Ifo Institute for Economic Research at the University of Munich, vol. 59(16), pages 21-24, 08.
  3. 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, 05.
  4. 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.
  5. Volker Meier, 2003. "Übertragbarkeit von Alterungsrückstellungen in der privaten Krankenversicherung," Ifo Schnelldienst, Ifo Institute for Economic Research at the University of Munich, vol. 56(24), pages 5-8, December.

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