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Bestandskundenwettbewerb in der PKV – Betrachtungen zum Stand der Diskussion

Author

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  • Neusius Thomas

    (Hochschule RheinMain, Wiesbaden Business School, Bleichstr. 44, 65183 WiesbadenHochschule RheinMainWiesbaden Business SchoolBleichstr. 4465183 WiesbadenGermany)

Abstract

The German monopoly commission, an official regulatory authority, recommends to enhance competition in the health insurance market, in particular with respect to private health insurance. The author reviews the commission’s arguments as well as the criticisms voiced against them. He demonstrates how the portability of risk-adjusted old-age provisions may enable clients to change from one providing insurance company to another. The concern that this would be beneficial only for those switching their provider but detrimental for the remainers turns out to be unfounded.

Suggested Citation

  • Neusius Thomas, 2018. "Bestandskundenwettbewerb in der PKV – Betrachtungen zum Stand der Diskussion," Perspektiven der Wirtschaftspolitik, De Gruyter, vol. 19(2), pages 110-121, July.
    • Handle: RePEc:bpj:pewipo:v:19:y:2018:i:2:p:110-121:n:2
    DOI: 10.1515/pwp-2017-0041
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    More about this item

    Keywords

    private health insurance; competition; portfolio customers; old-age provision; portability; Private Krankenversicherung; Wettbewerb; Bestandskunden; Alterungsrückstellungen; Portabilität; private health insurance; competition; portfolio customers; old-age provision; portability;
    All these keywords.

    JEL classification:

    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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