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Wettbewerb in kapitalgedeckten Krankenversicherungssystemen: Ein konsistenter Ansatz zur Übertragung von individuellen Alterungsrückstellungen in der Privaten Krankenversicherung

Listed author(s):
  • Nell, Martin
  • Rosenbrock, Stephan
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    Das kapitalgedeckte System der substitutiven Privaten Krankenversicherung (PKV) in Deutschland leidet unter mangelndem Wettbewerb. Der Grund ist die fehlende Übertragbar-keit der Alterungsrückstellung. Sie bewirkt, dass Versicherungsnehmer in der Regel bereits nach kurzer Vertragslaufzeit keine sinnvolle Wechseloption besitzen. Zur Lösung des Prob-lems wird seit vielen Jahren der Transfer individueller Alterungsrückstellungen (IAR) diskutiert. Allerdings wird ein solcher Transfer bislang mehrheitlich zwar als wünschenswert, aber aufgrund gravierender Informations- und Anreizprobleme als unrealisierbar angesehen. In dieser Arbeit wird gezeigt, dass bei einer präzisen Definition der IAR, die bislang in der Dis-kussion fehlt, die mit einem Transfersystem verbundenen Informations- und Anreizprobleme lösbar sind. Im Ergebnis stellt sich eine PKV mit Übertragung von IAR als ordnungspolitisch hochattraktives Modell zur Versicherung des Krankheitskostenrisikos heraus.

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    Paper provided by University of Hamburg, Institute for Risk and Insurance in its series Working Papers on Risk and Insurance with number 19.

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    Date of creation: 2007
    Handle: RePEc:zbw:hzvwps:19
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    1. Florian Baumann & Volker Meier & Martin Werding, 2004. "Transferable Ageing Provisions in Individual Health Insurance Contracts," CESifo Working Paper Series 1116, CESifo Group Munich.
    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.
    3. Donges, Juergen B. & Eekhoff, Johann & Franz, Wolfgang & Möschel, Wernhard & Neumann, Manfred J. M. & Sievert, Olaf, 2002. "Mehr Eigenverantwortung und Wettbewerb im Gesundheitswesen," Kronberger Kreis-Studien 39, Stiftung Marktwirtschaft / The Market Economy Foundation, Berlin.
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