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Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer

Listed author(s):
  • Volker Meier


  • Florian Baumann
  • Martin Werding

Im Rahmen von privaten Krankenversicherungsverträgen werden Altersrückstellungen gebildet, um den sonst eintretenden Prämienanstieg im Alter deutlich zu begrenzen. Die erwarteten Krankheitskosten steigen mit dem Alter aus zwei Gründen: 1.) auch für grundsätzlich gesunde Individuen erfolgt eine kontinuierliche Verschlechterung des Gesundheitszustandes und 2.) steigt der Anteil der chronisch Kranken aus einem Geburtsjahrgang. Die Studie behandelt das Problem, wie ein Rückstellungstransfer beim Versicherungswechsel ausgestaltet werden kann, ohne wesentliche Funktionen des Marktes zu beeinträchtigen.

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This book is provided by ifo Institute - Leibniz Institute for Economic Research at the University of Munich in its series ifo Beiträge zur Wirtschaftsforschung with number 14 and published in 2004.
Handle: RePEc:ces:ifobei:14
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