Session: 16, 26

Health Seminar

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Summary

Germany has a system of private health insurance which is unique. It connects the advantages of a free market insurance economy whith the long-term reliability of a governmental system. This goal is achieved by a comprehensive legal framework, which includes special actuarial techniques. The paper deals with the position of the private health insurance in the German system of social security, the problem of increasing health expenditures, the calculation of premiums and reserves, premium adjustments, cancellation and dividends to policyholders.

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