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Wettbewerb um Bestandskunden in der PKV

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  • Neusius, Thomas

Abstract

Die Vorschläge der Monopolkommission zur Ausweitung des Wettbewerbs um Bestandskunden in der Privaten Krankenversicherung (PKV) sowie die daran geäußerte Kritik werden vorgestellt und einer Analyse unterzogen. Es wird deutlich, dass die Übertragbarkeit einer risikogerechten Alterungsr ückstellung bei einem Anbieterwechsel Bestandkundenwettbewerb in der PKV ermöglichen würde. Die Befürchtung, dies stelle die nichtwechselnden Bestandskunden schlechter als die vom Wechselrecht Gebrauch machenden erweist sich als wenig begründet.

Suggested Citation

  • Neusius, Thomas, 2017. "Wettbewerb um Bestandskunden in der PKV," wifin Working Paper Series 1/2017, RheinMain University of Applied Sciences, Wiesbaden Institute of Finance and Insurance (wifin).
    • Handle: RePEc:zbw:wifinw:12017
    as

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    References listed on IDEAS

    as
    1. Marcus C. Christiansen & Martin Eling & Jan-Philipp Schmidt & Lorenz Zirkelbach, 2016. "Who is Changing Health Insurance Coverage? Empirical Evidence on Policyholder Dynamics," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 83(2), pages 269-300, June.
    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, April.
    3. Breyer Friedrich, 2015. "Demographischer Wandel und Gesundheitsausgaben: Theorie, Empirie und Politikimplikationen," Perspektiven der Wirtschaftspolitik, De Gruyter, vol. 16(3), pages 215-230, October.
    4. Altman, Daniel & Cutler, David M & Zeckhauser, Richard J, 1998. "Adverse Selection and Adverse Retention," American Economic Review, American Economic Association, vol. 88(2), pages 122-126, May.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

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    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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