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Pareto-Verbesserungen in der Sozialversicherung durch Selbstselektion ihrer Mitglieder

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  • Michael Breuer

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    (Socioeconomic Institute, University of Zurich)

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    Abstract

    In der Sozialversicherung gelten Risikoselektionen als unerwuenscht, weil sie die Gefahr mit sich bringen, dass der einheitliche Risikopool in der Sozialversicherung aufgespalten und die sozialpolitisch gewuenschten Umverteilungsstroeme zwischen den Versicherten reduziert werden. Der Beitrag zeigt am Beispiel der sozialen Krankenversicherung in der Schweiz und der Bundesrepublik Deutschland auf, dass die Selbstselektion von Versicherten in der Sozialversicherung produktiv, das heisst wohlfahrtssteigernd eingesetzt werden kann, ohne den ‚solidarischen‘ Charakter der Sozialversicherung in Frage zu stellen. Konkret wird vorgeschlagen, den Versicherten innerhalb eines durch einen Risikoausgleich gestuetzten Wettbewerbs zwischen den Krankenkassen eine groessere Wahlfreiheit ueber die Hoehe des Versicherungsschutzes einzuraeumen. Fuer Versicherte mit niedrigem Risiko oder hohem Einkommen kann es sinnvoll sein, ihren Versicherungsschutz innerhalb der Sozialversicherung zu reduzieren, obwohl sie dann aufgrund des konstanten Transfers an andere Versicherte der sozialen Krankenversicherung einen hoeheren Preis pro Einheit Sozialversicherungsschutz zu zahlen haben.

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    File URL: http://www.soi.uzh.ch/research/wp/1997-2002/wp9804.pdf
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    Bibliographic Info

    Paper provided by Socioeconomic Institute - University of Zurich in its series SOI - Working Papers with number 9804.

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    Length: 20 pages
    Date of creation: Oct 1998
    Date of revision: Dec 1998
    Publication status: Published in Zeitschrift fuer die gesamte Versicherungswissenschaft 88(1), 1999, pages 77-98
    Handle: RePEc:soz:wpaper:9804

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    Related research

    Keywords: self selection; social insurance; Germany;

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    1. Mitchell, Olivia S & Zeldes, Stephen P, 1996. "Social Security Privatization: A Structure for Analysis," American Economic Review, American Economic Association, vol. 86(2), pages 363-67, May.
    2. Rothschild, Michael & Stiglitz, Joseph E, 1976. "Equilibrium in Competitive Insurance Markets: An Essay on the Economics of Imperfect Information," The Quarterly Journal of Economics, MIT Press, vol. 90(4), pages 630-49, November.
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