Chancen und Herausforderungen der Rückversicherung in der gesetzlichen Krankenversicherung

Schwarzbach, Christoph, Krummaker, Simone and Graf v. d. Schulenburg, J.-Matthias (2012) Chancen und Herausforderungen der Rückversicherung in der gesetzlichen Krankenversicherung. Zeitschrift für die gesamte Versicherungswissenschaft, 101 (2). pp. 209-222. ISSN 0044-2585

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In 2009 a so-called morbidity orientated risk structure equalization scheme was installed for the German statutory health insurance in order to minimize structural differences between different providers with respect to revenue and expenditures. Even with this mechanism some risks to the individual health insurance providers remain. Reinsurance could be a way to mitigate these risks, but so far only very few contracts have been signed. Moreover the existing reinsurance contracts only focus on the periphery of the statutory health insurance system such as travel health insurance. In this article we therefore analyse existing risks for individual health insurance providers and evaluate their (re-)insurability. Hereafter the potential for reinsurance solutions in the German statutory health insurance itself as well as in newer forms of healthcare provision (e.g. integrated health care and managed care) is discussed. We find that reinsurance may be a reasonable solution for many of the risks in the statutory health insurance scheme. But as research in this area is very young further analysis of the nature of risks is necessary.

Item Type: Article
Faculty \ School: Faculty of Social Sciences > Norwich Business School
Depositing User: Simone Krummaker
Date Deposited: 22 Oct 2012 08:54
Last Modified: 08 Nov 2022 12:30
DOI: 10.1007/s12297-012-0188-0

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