Bestandskundenwettbewerb in der PKV – Betrachtungen zum Stand der Diskussion

Neusius Thomas ()
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Neusius Thomas: Hochschule RheinMain, Wiesbaden Business School, Bleichstr. 44, 65183 WiesbadenHochschule RheinMainWiesbaden Business SchoolBleichstr. 4465183 WiesbadenGermany

Perspektiven der Wirtschaftspolitik, 2018, vol. 19, issue 2, 110-121

Abstract: The German monopoly commission, an official regulatory authority, recommends to enhance competition in the health insurance market, in particular with respect to private health insurance. The author reviews the commission’s arguments as well as the criticisms voiced against them. He demonstrates how the portability of risk-adjusted old-age provisions may enable clients to change from one providing insurance company to another. The concern that this would be beneficial only for those switching their provider but detrimental for the remainers turns out to be unfounded.

Keywords: private health insurance; competition; portfolio customers; old-age provision; portability; Private Krankenversicherung; Wettbewerb; Bestandskunden; Alterungsrückstellungen; Portabilität; private health insurance; competition; portfolio customers; old-age provision; portability (search for similar items in EconPapers)
JEL-codes: G22 I11 I13 I18 (search for similar items in EconPapers)
Date: 2018
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DOI: 10.1515/pwp-2017-0041

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