By risk lesson one understands the tendency of insurers to insure as high a portion of humans with small risk as possible. Risk lesson is particularly in a social health insurance problematic, if it is not permitted the insurers by legal editions to require risk-gradated premiums. Only so will it for an insurer profitable to insure primarily humans with low risk because these more premiums pay on the average, than they cause costs. The opposite applies to humans with a high risk. These cause higher costs with premiums independent of the risk, than they installation-pay premiums. Insurers try accordingly to have as few ones as possible from them among the own customers.

In many social health insurance systems for this reason phasing units were created. In Germany for example the risk structure reconciliation (in Switzerland the compensation of risks) ensures for the fact that health insurers with a good risk structure compensations at insurers with a bad risk structure pay. This is to prevent the incentives for risk lesson if possible. However these compensation of risks systems illustrate the risk structure usually only imperfectly, with which it is worth itself for the insurers further to operate a certain risk lesson.

Articles in category "Risk lesson"

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