Arbeitspapier
Transferable Ageing Provisions in Individual Health Insurance Contracts
We consider lifetime health insurance contracts in which ageing provisions are used to smooth the premium profile. The stock of capital accumulated for each individual can be split into two parts: a premium insurance and an annuitised life insurance, where the latter would be transferable between insurers without triggering premium changes through risk segmentation. In a simulation based on German data, the transferable share declines in age. It is smaller for women than for men, and it falls with an increasing age of entry into the contract.
- Sprache
-
Englisch
- Erschienen in
-
Series: CESifo Working Paper ; No. 1116
- Klassifikation
-
Wirtschaft
- Thema
-
health insurance
lifetime contracts
ageing provisions premium insurance
simulations
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Baumann, Florian
Meier, Volker
Werding, Martin
- Ereignis
-
Veröffentlichung
- (wer)
-
Center for Economic Studies and ifo Institute (CESifo)
- (wo)
-
Munich
- (wann)
-
2004
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:45 MEZ
Datenpartner
Dieses Objekt wird bereitgestellt von:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Baumann, Florian
- Meier, Volker
- Werding, Martin
- Center for Economic Studies and ifo Institute (CESifo)
Entstanden
- 2004
Ähnliche Objekte (12)
Transferable Ageing Provisions in Individual Health Insurance Contracts
Ageing and productivity growth: are there macro-level cohort effects of human capital?
Ageing and the welfare state: Securing sustainability
Ageing and Fiscal Imbalances Across Generations: Concepts of Measurement
Ageing and the Tax Implied in Public Pension Schemes: Simulations for Selected OECD Countries
International portability of health-cost cover: Mobility, insurance, and redistribution
Old-age Provision in Germany: The Crisis Impedes a Shift Towards Higher Pre-funding
Ost-West-Wanderungen in Deutschland: Die Jungen gehen - Alte kommen
Modellrechnungen für den vierten Tragfähigkeitsbericht des BMF
Survivor benefits and the gender tax gap in public pension schemes : observations from Germany
After Another Decade of Reform: Do Pension Systems in Europe Converge?
Nachholfaktor: In verschiedenen Welten
Transferable Ageing Provisions in Individual Health Insurance Contracts
Ageing and productivity growth: are there macro-level cohort effects of human capital?
Ageing and the welfare state: Securing sustainability
Ageing and Fiscal Imbalances Across Generations: Concepts of Measurement
Ageing and the Tax Implied in Public Pension Schemes: Simulations for Selected OECD Countries
International portability of health-cost cover: Mobility, insurance, and redistribution
Old-age Provision in Germany: The Crisis Impedes a Shift Towards Higher Pre-funding
Ost-West-Wanderungen in Deutschland: Die Jungen gehen - Alte kommen
Modellrechnungen für den vierten Tragfähigkeitsbericht des BMF
Survivor benefits and the gender tax gap in public pension schemes : observations from Germany
After Another Decade of Reform: Do Pension Systems in Europe Converge?
Nachholfaktor: In verschiedenen Welten
Transferable Ageing Provisions in Individual Health Insurance Contracts
Ageing and productivity growth: are there macro-level cohort effects of human capital?
Ageing and the welfare state: Securing sustainability
Ageing and Fiscal Imbalances Across Generations: Concepts of Measurement
Ageing and the Tax Implied in Public Pension Schemes: Simulations for Selected OECD Countries
International portability of health-cost cover: Mobility, insurance, and redistribution
Old-age Provision in Germany: The Crisis Impedes a Shift Towards Higher Pre-funding
Ost-West-Wanderungen in Deutschland: Die Jungen gehen - Alte kommen
Modellrechnungen für den vierten Tragfähigkeitsbericht des BMF
Survivor benefits and the gender tax gap in public pension schemes : observations from Germany
After Another Decade of Reform: Do Pension Systems in Europe Converge?