Who Is changing health insurance coverage? : empirical evidence on policyholder dynamics

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      <subfield code="a">Who Is changing health insurance coverage?</subfield>
      <subfield code="b">: empirical evidence on policyholder dynamics</subfield>
      <subfield code="c">Marcus C. Christiansen ... [et al.]</subfield>
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      <subfield code="a">Long-term health insurance contracts provide policyholders with the option of lapsing coverage or switching to another tariff within the same insurance company. We empirically analyze policyholder behavior regarding contract commitment in a large data set of German private health insurance contracts. We show that short-term as well as long-term premium development, along with premium adjustment frequency, affect lapse and tariff switch rates. Moreover, the sales channel has a strong impact on switching behavior, indicating that policyholder choice is not fully independent of sales representatives. Our results are important for risk assessment and risk management of portfolios of health insurance contracts and provide better understanding of the dynamics of policyholder behavior in health insurance.</subfield>
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      <subfield code="a">Christiansen, Marcus C.</subfield>
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      <subfield code="t">The Journal of risk and insurance</subfield>
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      <subfield code="x">0022-4367</subfield>
      <subfield code="g">01/06/2016 Volumen 83 Número 2 - junio 2016 , p. 269-299</subfield>
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