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Nicht jede Reform ist eine gute Reform: Verfahren zur Übertragung individueller Alterungsrückstellungen in der Privaten Krankenversicherung

Listed author(s):
  • Volker Meier


Im Rahmen der kommenden Gesundheitsreform will die Bundesregierung die Mitnahme der Alterungsrückstellungen in der Privaten Krankenversicherung beim Wechsel des Versicherers ermöglichen. Nach gegenwärtiger Rechtslage verfällt bei einem Wechsel des Versicherers der Anspruch auf Teilhabe an der beim bisherigen Versicherer gebildeten Alterungsrückstellung. Diese repräsentiert einen Kapitalstock, der von den Versicherten eines Jahrgangs gemeinsam aufgebaut wird, um den Anstieg der Versicherungsprämien im Alter zu verhindern oder doch zumindest deutlich zu bremsen. Der gemeinsam aufgebaute Kapitalstock wird dann im Alter gemeinsam verbraucht. Der Beitrag zeigt die Vor- und Nachteile der von verschiedenen Seiten vorgeschlagenen Reformmodelle auf und stellt einen vom ifo Institut entwickelten Reformvorschlag vor.

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Article provided by ifo Institute - Leibniz Institute for Economic Research at the University of Munich in its journal ifo Schnelldienst.

Volume (Year): 59 (2006)
Issue (Month): 16 (August)
Pages: 21-24

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Handle: RePEc:ces:ifosdt:v:59:y:2006:i:16:p:21-24
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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, vol. 9, pages 287-311, August.
  2. Volker Meier & Florian Baumann & Martin Werding, 2004. "Modelle zur Ãœbertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer," ifo Beiträge zur Wirtschaftsforschung, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 14, April.
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