Genetik und Versicherung aus ökonomischer Sicht

For some years direct gene tests have been available for many diseases and nearly every week new gene mutations are found and linked with diseases. By improving the diagnostic possibilities consequences for certain insurance branches will arise. Health and life insurance in particular will perhaps face radical chances, especially concerning the acceptance of contracts. If there is a contract between a policy holder and an insurance company, it is more important whether the cost-effectiveness of genetic screening is given. Exemplary this is calculated for a population-based screening for hemochromatosis. Furthermore it is relevant, whether the population will use available gene tests. The results of a pilot study will be presented. They show that there is a market for such products and that consequences for insurance companies are likely.     

Das deutsche und Schweizer Krankenversicherungssystem: Kosten,Leistungen und Anreizwirkungen aus Sicht der Versicherten

In the last years changes in the financing and in the service catalogue of the German health insurance system have been intensively discussed. The problematic incentive structures regarding the behaviour of the insured are frequently mentioned in these discussions. In particular, German insured have only little interest in a cost-efficient treatment of illness. At the same time the Swiss health insurance system is an example in which the insured show a higher cost consciousness. In the following article, the health insurance systems of Germany and Switzerland are compared from the perspective of the insured on the basis of the information-economic terms “moral hazard” and “adverse selection.” We find that both systems can learn from each other in reducing incentive problems.     

Genetik und Versicherung aus juristischer Sicht: Rechtsvergleichende Überlegungen zur genetischen Untersuchung im Versicherungsbereich

This article investigates the new developments in the area of medical and clinical genetics, in particular in the area of molecular medicine. Based on this, a presentation and discussion of the current legislations in selected countries follows. A further focal point is the differing interpretation and application of the investigation and disclosure bans. The paper ends with a discussion of various argumentation methods for future law politics.     

Methoden der risikobasierten Kapitalallokation im Versicherungs- und Finanzwesen

The present contribution is intended to serve as a survey of techniques of risk based capital allocation for (aggregated) insurance and/or financial positions. The starting point is the determination of the risk based capital for the aggregated position, which in turn requires the specification of the existing risk exposure and as well the risk measure used. After this the basic capital allocation procedures (absolute, incremental and marginal capital allocation) are explained. A discussion of postulates for a reasonable absolute capital allocation follows. Especially the axioms of coherent capital allocation developed by Denault are treated. Then central principles of capital allocation (proportional capital allocation, covariance principle, conditional expected value principle, conditional value-at-risk principle, Euler-principle) are introduced and their properties are discussed, especially regarding coherence. Finally firm value based approaches and as well game theoretic approaches are mentioned.