The concept of a risk adjustment reserve in German private health insurance

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Autor/in:
Erscheinungsjahr:
2009
Medientyp:
Text
Schlagworte:
  • Pensions
  • Generational accounting
  • Scotland
  • Financial Literacy
  • Retirement
  • Pensions
  • Generational accounting
  • Scotland
  • Financial Literacy
  • Retirement
Beschreibung:
  • The capital funded health insurance system in Germany (the PKV) is afflicted with a lack of competition because insurants lose their ageing provisions if they switch their insurer. So far an adequate model for the transfer of ageing pro-visions regarding economic as well as actuarial aspects is missing. In this paper we develop a model for the transfer of ageing provisions in the German PKV, which is consequently based on the existing calculation methods. We show the necessity of a new risk adjustment reserve providing a signal for the the risk level of health insurance collectives. From a calculative point of view, the risk adjustment reserve is connected with the basis for actuarial calculation of the PKV collectives. Further studies should concentrate on quantifications of the derived model components. © Springer-Verlag 2009.
Lizenz:
  • info:eu-repo/semantics/restrictedAccess
Quellsystem:
Forschungsinformationssystem der UHH
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Quelldatensatz
oai:www.edit.fis.uni-hamburg.de:publications/f8ab21ca-d2ca-4a71-8b4c-209aa681c92e