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Moral Hazard und Sozialversicherung — Versichertenverhalten und Versicherungsfall im Sozialversicherungsrecht
Authors:Andreas Hänlein
Abstract:The contribution first looks into the behaviour of the insured persons and its influence on the occurrence, scope and the course of the event insured against in German social insurance. At the same time the legal provisions are investigated bringing into account such influence and providing specific reaction to it. In the following, these provisions are classified doctrinally and hence divided into five categories (rules of conduct; limitations or exclusions of risks, duties to mitigate damages, economic incentives neutral in value, and appeals free of sanctions). On the basis of a historic retrospection it is finally shown that the instruments of control for the behaviour of the insured once arranged this way can be attributed to three fundamental principles: the principle of the ethic minimum, the principle of minimum solidarity and the one of calculating an advantage.
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