Transferable Ageing Provisions in Individual Health Insurance Contracts-Reference-Cited by-同舟云学术

Transferable Ageing Provisions in Individual Health Insurance Contracts

Published:2008-08-01 Issue:3 Volume:9 Page:287-311
ISSN:1468-0475
Container-title:German Economic Review
language:en
Short-container-title:

Author:

Baumann Florian¹,Meier Volker²³,Werding Martin²³

Affiliation:

1. University of Tübingen, Geschwister-Scholl-Platz, Tübingen , Germany

2. Ifo Institute for Economic Research, Munich , Germany

3. CESifo, Munich , Germany

Abstract

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.

Publisher

Walter de Gruyter GmbH

Subject

Economics and Econometrics

Link

https://www.degruyter.com/document/doi/10.1111/j.1468-0475.2008.00434.x/pdf

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