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

  • Martin Nell
  • Stephan Rosenbrock
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    The capital-funded health insurance system in Germany (the PKV) is afflicted with a lack of competition because insurants lose their ageing provisions if they switch their insurer. Therefore the transfer of „individual ageing provisions″ has been discussed for many years, but it is mostly regarded as impracticable due to information and incentive problems. In this article a transfer mechanism based consequently on the risk allocation in the PKV is derived. This mechanism can solve the information and incentive problems linked with the transfer of ageing provisions. The result is that the PKV can be extended to a very attractive model to organize health insurance markets. Copyright 2008 die Autoren Journal compilation 2008, Verein für Socialpolitik und Blackwell Publishing Ltd.

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    File URL: http://www.blackwell-synergy.com/doi/abs/10.1111/j.1468-2516.2008.00268.x
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    Article provided by Verein für Socialpolitik in its journal Perspektiven der Wirtschaftspolitik.

    Volume (Year): 9 (2008)
    Issue (Month): 2 (05)
    Pages: 173-195

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    Handle: RePEc:bla:perwir:v:9:y:2008:i:2:p:173-195
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    1. Volker Meier & Martin Werding, 2007. "Übertragbarkeit risikoabhängiger Alterungsrückstellungen in der Privaten Krankenversicherung," ifo Forschungsberichte, Ifo Institute for Economic Research at the University of Munich, number 38, 05.
    2. Florian Baumann & Volker Meier & Martin Werding, 2006. "Transferable Ageing Provisions in Individual Health Insurance Contracts," Ifo Working Paper Series Ifo Working Paper No. 32, Ifo Institute for Economic Research at the University of Munich.
    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, number 14, 7.
    4. Cochrane, John H, 1995. "Time-Consistent Health Insurance," Journal of Political Economy, University of Chicago Press, vol. 103(3), pages 445-73, June.
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