Chancen und Herausforderungen der Rückversicherung in der gesetzlichen Krankenversicherung

Christoph Schwarzbach, Simone Krummaker, J.-Matthias Graf v. d. Schulenburg

Research output: Contribution to journalArticlepeer-review

1 Citation (Scopus)


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.
Original languageEnglish
Pages (from-to)209-222
Number of pages14
JournalZeitschrift für die gesamte Versicherungswissenschaft
Issue number2
Publication statusPublished - 2012

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