Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer

Volker Meier, Florian Baumann () and Martin Werding

in ifo Beiträge zur Wirtschaftsforschung from ifo Institute - Leibniz Institute for Economic Research at the University of Munich

Abstract: In the context of private health insurance contracts, loyalty reserves accrue that help limit the otherwise necessary increase in premiums for the elderly. The expected health-care costs increase for the elderly for two reasons: 1) health conditions worsen gradually even for fundamentally healthy individuals occurs and 2) the share of chronically ill persons for a given birth year increases. This study deals with the problem of how accrued loyalty reserves can be transferred to a new insurance provider without impairing the essential functions of the market.

JEL-codes: D91 G22 I18 (search for similar items in EconPapers)
Date: 2004
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Citations: View citations in EconPapers (10)

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Persistent link: https://EconPapers.repec.org/RePEc:ces:ifobei:14

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