Der Einfluss einer alternden Bevölkerung auf die Rentenversicherung bei unsicherer Lebenserwartung

Zeitschrift für die gesamte Versicherungswissenschaft - Im Rahmen eines Modells mit überlappenden Generationen sowie unsicherer Lebenserwartung wird zunächst die gleichgewichtige...     

Der Einfluss des demographischen Wandels auf die Ausgaben der Krankenversicherung

The analysis presented in this document investigates the question of whether the increase in life expectancy causes financial stress for health insurance systems or not. In particular, the authors focused on the financial impact of the ?costs of dying“ and how much these costs contribute to the total health costs. The article analyses an in-patient and an out-patient tariff of a large private health insurance company in Germany. It is based on health care costs of people who died in 1999 and of those who continued to live. The percentage of the costs of dying is often overestimated. However, the costs of those who continued to live increased overproportionately. In particular, this was true for the insured people over 80 years.The claim that the increase of life expectancy only postpones the high costs in the future and has no impact on the financial conditions of health insurance is doubtful. Older people live longer and have more opportunity to take medication and receive therapy for a longer period. Therefore we argue that longer life expectancy and other factors like progress in medical technology pose a severe threat on the financial stability of health insurance.     

Die Aversionselastizität und ihr Einfluss auf die Portefeuilleentscheidung

Ohne Zusammenfassung     

Erwiderung auf die Antwort Dr. Weinbergs

Abstract

Die Redaktion dieser Zeitschrift hat dem Verfasser gütigst die Antwort des Herrn Dr. W. Weinberg zwecks einer Erwiderung übergeben. Dadurch zu direkter Verbindung mit dem Autor veranlasst, verdanke ich ihm noch einige Bernerkungen und Literaturhinweise.     

Folgerungen einer Rationierung in der gesetzlichen Krankenversicherung für die private Krankenversicherung und ökonomische Grenzen für die private Krankenversicherung

The compulsory health insurance fund in Germany is under huge cost pressure. The reasons are the demographic development and the proceeding medical-technical progress, which keep raising the expenses instead of reducing them. Seeing that financial means are getting scarce, there are multifaceted appendages of rationing the medical supply. New market potential arises, however, for the economy of private health insurance for which one can develop and offer answers. The contribution scetches which economic boarders the private health insurance needs to adhere to.     

Wann lohnt sich die Beschaffung zusätzlicher Informationen? Darstellung des Entscheidungsproblems und der Ermittlung des Wertes von Informationen am Beispiel des Kalküls einer Versicherung

Insurance companies decide on refusal or acceptance (and in this case: the conditions) of a potential policyholder. This paper deals with the question whether the use of genetic testing is advantageous or not. Insurance companies have to consider costs and benefits of the additional information gained by genetic testing. The science of economics, in particular decision theory, helps investigating how insurance companies are able to optimize their outcomes. This paper deals with relevant basics of decision theory and solves the problem by making use of Jakob Marschak’s approach of information economics. The value of additional information attainable from genetic testing is calculated and integrated in the decision process of an insurance company. In doing so, the model is applied to the hemochromatosis disease. Nevertheless, the model is demonstrated in a general manner. It should be easy to adapt the approach to other illness syndromes, medical checkups or medical decision problems.