Wettbewerb ohne Risikoselektion auf dem deutschen Krankenversicherungsmarkt

Markus Jankowski and Anne Zimmermann

Chapter 1 in List Forum Band 30, 2004, vol. 1, pp 1-19 from List Gesellschaft e.V.

Abstract: 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)

Keywords: Risk Selection; Health Insurance; Germany (search for similar items in EconPapers)
Date: 2004
References: Add references at CitEc
Citations: View citations in EconPapers (3)

There are no downloads for this item, see the EconPapers FAQ for hints about obtaining it.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:lst:lfchap:30-01

Ordering information: This item can be ordered from

Access Statistics for this chapter

More chapters in List Forum Chapter from List Gesellschaft e.V. Contact information at EDIRC.
Bibliographic data for series maintained by Lukas Wnuk Lipinski ( this e-mail address is bad, please contact ).