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Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein konsistenter Ansatz zur Übertragung von individuellen Alterungsrückstellungen in der Privaten Krankenversicherung

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  • Nell, Martin
  • Rosenbrock, Stephan
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    Abstract

    Das kapitalgedeckte System der substitutiven Privaten Krankenversicherung (PKV) in Deutschland leidet unter mangelndem Wettbewerb. Der Grund ist die fehlende Übertragbar-keit der Alterungsrückstellung. Sie bewirkt, dass Versicherungsnehmer in der Regel bereits nach kurzer Vertragslaufzeit keine sinnvolle Wechseloption besitzen. Zur Lösung des Prob-lems wird seit vielen Jahren der Transfer individueller Alterungsrückstellungen (IAR) diskutiert. Allerdings wird ein solcher Transfer bislang mehrheitlich zwar als wünschenswert, aber aufgrund gravierender Informations- und Anreizprobleme als unrealisierbar angesehen. In dieser Arbeit wird gezeigt, dass bei einer präzisen Definition der IAR, die bislang in der Dis-kussion fehlt, die mit einem Transfersystem verbundenen Informations- und Anreizprobleme lösbar sind. Im Ergebnis stellt sich eine PKV mit Übertragung von IAR als ordnungspolitisch hochattraktives Modell zur Versicherung des Krankheitskostenrisikos heraus. --

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    Bibliographic Info

    Paper provided by University of Hamburg, Institute for Risk and Insurance in its series Working Papers on Risk and Insurance with number 19.

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    Date of creation: 2007
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    Handle: RePEc:zbw:hzvwps:19

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    1. Florian Baumann & Volker Meier & Martin Werding, 2008. "Transferable Ageing Provisions in Individual Health Insurance Contracts," German Economic Review, Verein für Socialpolitik, Verein für Socialpolitik, vol. 9, pages 287-311, 08.
    2. Donges, Juergen B. & Eekhoff, Johann & Franz, Wolfgang & Möschel, Wernhard & Neumann, Manfred J. M. & Sievert, Olaf, 2002. "Mehr Eigenverantwortung und Wettbewerb im Gesundheitswesen," Kronberger Kreis-Studien 39, Stiftung Marktwirtschaft / The Market Economy Foundation, Berlin.
    3. Volker Meier & Florian Baumann & Martin Werding, 2004. "Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer," ifo Beiträge zur Wirtschaftsforschung, Ifo Institute for Economic Research at the University of Munich, Ifo Institute for Economic Research at the University of Munich, number 14, 8.
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