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Not every reform is a good reform: Procedures for the transfer of accrued reserves in private health-care insurance

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  • Volker Meier

Abstract

In the context of the coming health-care reforms, the Federal Government wants to allow the transfer of accrued reserves in private health-care insurance when an insured person changes insurance companies. According to current law, the insured are not able to transfer their accrued reserves, the capital stock that they have built up with their age group in order to prevent or at least curb the increase in insurance premiums in old age. The capital built up jointly by an age group is consumed jointly in old age. This study presents the advantages and disadvantages of the proposed reform models and presents a reform proposal of the Ifo Institute.

Suggested Citation

  • Volker Meier, 2006. "Not every reform is a good reform: Procedures for the transfer of accrued reserves in private health-care insurance," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 59(16), pages 21-24, August.
    • Handle: RePEc:ces:ifosdt:v:59:y:2006:i:16:p:21-24
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    File URL: https://www.ifo.de/DocDL/ifosd_2006_16_3.pdf
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    References listed on IDEAS

    as
    1. Florian Baumann & Volker Meier & Martin Werding, 2008. "Transferable Ageing Provisions in Individual Health Insurance Contracts," German Economic Review, Verein für Socialpolitik, vol. 9(3), pages 287-311, August.
    2. Volker Meier & Florian Baumann & Martin Werding, 2004. "Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer," ifo Beiträge zur Wirtschaftsforschung, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 14.
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    Cited by:

    1. Volker Meier & Martin Werding, 2007. "Risk-specific transferable ageing provisions in private health insurance," ifo Forschungsberichte, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 38.

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    JEL classification:

    • I10 - Health, Education, and Welfare - - Health - - - General

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