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CESifo Working Paper No. 1116
Center for Economic Studies and ifo Institute (CESifo), Munich
We consider lifetime health insurance contracts in which ageing provisions are used to smooth the premium profile. The stock of capital accumulated for each individual can be split into two parts: a premium insurance and an annuitised life insurance, where the latter would be transferable between insurers without triggering premium changes through risk segmentation. In a simulation based on German data, the transferable share declines in age. It is smaller for women than for men, and it falls with an increasing age of entry into the contract.
health insurance
lifetime contracts
ageing provisions premium insurance
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Working Paper
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