Modelle zur Übertragung individueller Altersrückstellungen beim Wechsel privater Krankenversicherer

In the context of private health insurance contracts, loyalty reserves accrue that help limit the otherwise necessary increase in premiums for the elderly. The expected health-care costs increase for the elderly for two reasons: 1) health conditions worsen gradually even for fundamentally healthy individuals occurs and 2) the share of chronically ill persons for a given birth year increases. This study deals with the problem of how accrued loyalty reserves can be transferred to a new insurance provider without impairing the essential functions of the market.