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Wettbewerb ohne Risikoselektion auf dem deutschen Krankenversicherungsmarkt

In: List Forum Band 30

  • Markus Jankowski
  • Anne Zimmermann
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    Risk Selection is an issue in social health insurance in Germany as well as in private health insurance markets with long-term contracts. The inducement to primariliy select healthier insurants (cream skimming) is high. For community-rated systems there are attempts to install a morbidity-oriented risk-adjustment scheme. In private insurance markets risk-adjusted transferable ageing provisions should avoid risk selection. We claim that it is not possible to completely specify a morbidity-related risk adjustment scheme. Risk Selection cannot be prevented entirely. Furthermore, there are no inducements for insurance to strenghen prevention because expenses can be collectivized by way of the of risk-adjustment scheme. It is possible to solve both issues by combining equivalent premiums with transferable risk-adjusted ageing provisions, without jeopardizing affordable insurance premiums for insurants with higer risks. (Original text only available in german language)

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    This chapter was published in:
  • List Gesellschaft e.V., 2004. "List Forum Band 30," List Forum, List Gesellschaft e.V., edition 1, volume 1, number 30 edited by List Gesellschaft e.V., Abril.
  • This item is provided by List Gesellschaft e.V. in its series List Forum Chapter with number 30-01.
    Handle: RePEc:lst:lfchap:30-01
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