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Nicht jede Reform ist eine gute Reform: Verfahren zur Übertragung individueller Alterungsrückstellungen in der Privaten Krankenversicherung

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  • Volker Meier

Abstract

Im Rahmen der kommenden Gesundheitsreform will die Bundesregierung die Mitnahme der Alterungsrückstellungen in der Privaten Krankenversicherung beim Wechsel des Versicherers ermöglichen. Nach gegenwärtiger Rechtslage verfällt bei einem Wechsel des Versicherers der Anspruch auf Teilhabe an der beim bisherigen Versicherer gebildeten Alterungsrückstellung. Diese repräsentiert einen Kapitalstock, der von den Versicherten eines Jahrgangs gemeinsam aufgebaut wird, um den Anstieg der Versicherungsprämien im Alter zu verhindern oder doch zumindest deutlich zu bremsen. Der gemeinsam aufgebaute Kapitalstock wird dann im Alter gemeinsam verbraucht. Der Beitrag zeigt die Vor- und Nachteile der von verschiedenen Seiten vorgeschlagenen Reformmodelle auf und stellt einen vom ifo Institut entwickelten Reformvorschlag vor.

Suggested Citation

  • Volker Meier, 2006. "Nicht jede Reform ist eine gute Reform: Verfahren zur Übertragung individueller Alterungsrückstellungen in der Privaten Krankenversicherung," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 59(16), pages 21-24, August.
    • Handle: RePEc:ces:ifosdt:v:59:y:2006:i:16:p:21-24
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    File URL: https://www.ifo.de/DocDL/ifosd_2006_16_3.pdf
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    References listed on IDEAS

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    1. Florian Baumann & Volker Meier & Martin Werding, 2008. "Transferable Ageing Provisions in Individual Health Insurance Contracts," German Economic Review, Verein für Socialpolitik, vol. 9(3), pages 287-311, August.
    2. Volker Meier & Florian Baumann & Martin Werding, 2004. "Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer," ifo Beiträge zur Wirtschaftsforschung, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 14.
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    Cited by:

    1. Volker Meier & Martin Werding, 2007. "Risk-specific transferable ageing provisions in private health insurance," ifo Forschungsberichte, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 38, July.

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    More about this item

    Keywords

    Private Krankenversicherung; Gesundheitsreform; Versicherungsprämie; Rückstellung; Deutschland;
    All these keywords.

    JEL classification:

    • I10 - Health, Education, and Welfare - - Health - - - General

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