Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein risikogerechter Ansatz zur Übertragung von Alterungsrückstellungen in der Privaten Krankenversicherung
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 fÃ¼r Socialpolitik und Blackwell Publishing Ltd.
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Volume (Year): 9 (2008)
Issue (Month): 2 (05)
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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- 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.
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