Aufgrund von Vorbereitungen auf eine neue Version von KOPS, können am Montag, 6.2. und Dienstag, 7.2. keine Publikationen eingereicht werden. (Due to preparations for a new version of KOPS, no publications can be submitted on Monday, Feb. 6 and Tuesday, Feb. 7.)
Type of Publication: | Working Paper/Technical Report |
URI (citable link): | http://nbn-resolving.de/urn:nbn:de:bsz:352-opus-14295 |
Author: | Kifmann, Mathias |
Year of publication: | 2005 |
Series: | Diskussionsbeiträge ("Grüne Reihe") / FB Wirtschaftswissenschaften ; 328 |
Summary: |
A common approach to avoid risk selection in health insurance markets is to define and enforce a community-rated basic benefit package. The market for complementary insurance is usually completely separate from the market for basic health insurance. In Switzerland, however, the basic benefit package and complementary insurance are offered by the same insurer. Risk-based premiums are allowed with respect to complementary insurance. In this paper, the Swiss integration approach is compared to the separation approach. It is shown that under the integration approach insurers cream-skim by selling complementary insurance to low risks at a discount. Nevertheless, the integration approach can be Pareto-superior if the cost savings due to the integration of basic and complementary insurance are sufficiently large.
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JEL Classification: | H51; I18 |
Subject (DDC): | 330 Economics |
Controlled Keywords (GND): | Krankenversicherung, Zusatzversicherung |
Keywords: | health insurance, risk selection, complementary insurance |
Link to License: | In Copyright |
KIFMANN, Mathias, 2005. Risk Selection and Complementary Health Insurance : The Swiss Approach
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328.pdf | 582 |