Transferable ageing provisions in individual health insurance contracts

Florian Baumann, Volker Meier and Martin Werding

Munich Reprints in Economics from University of Munich, Department of Economics

Abstract: We consider lifetime health insurance contracts in which ageing provisions are used to smooth the premium profile. The capital stock accumulated for each individual can be decomposed into two parts: a premium insurance and an annuitized life insurance, only the latter being transferable between insurers without triggering premium changes through risk segmentation. In a simulation based on German data, the transferable share declines in age and falls with an increasing age of entry into the contract. In spite of different benefit profiles, it is almost identical for women and men.

Date: 2008
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Citations: View citations in EconPapers (10)

Published in German Economic Review 3 9(2008): pp. 287-311

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Related works:
Journal Article: Transferable Ageing Provisions in Individual Health Insurance Contracts (2008)
Journal Article: Transferable Ageing Provisions in Individual Health Insurance Contracts (2008)
Working Paper: Transferable Ageing Provisions in Individual Health Insurance Contracts (2006)
Working Paper: Transferable Ageing Provisions in Individual Health Insurance Contracts (2004)
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