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.
- Language
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Englisch
- Bibliographic citation
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Series: CESifo Working Paper ; No. 1116
- Classification
-
Wirtschaft
- Subject
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health insurance
lifetime contracts
ageing provisions premium insurance
simulations
- Event
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Geistige Schöpfung
- (who)
-
Baumann, Florian
Meier, Volker
Werding, Martin
- Event
-
Veröffentlichung
- (who)
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Center for Economic Studies and ifo Institute (CESifo)
- (where)
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Munich
- (when)
-
2004
- Handle
- Last update
-
10.03.2025, 11:45 AM CET
Data provider
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ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
Object type
- Arbeitspapier
Associated
- Baumann, Florian
- Meier, Volker
- Werding, Martin
- Center for Economic Studies and ifo Institute (CESifo)
Time of origin
- 2004
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