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

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<dc:creator>Christiansen, Marcus C.</dc:creator>
<dc:description xml:lang="es">Sumario: 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.</dc:description>
<dc:rights xml:lang="es">InC -</dc:rights>
<dc:subject xml:lang="es">Seguro de salud</dc:subject>
<dc:subject xml:lang="es">Contrato de seguro</dc:subject>
<dc:subject xml:lang="es">Gerencia de riesgos</dc:subject>
<dc:subject xml:lang="es">Alemania</dc:subject>
<dc:type xml:lang="es">Artículos y capítulos</dc:type>
<dc:title xml:lang="es">Who Is changing health insurance coverage? : empirical evidence on policyholder dynamics</dc:title>
<dc:relation xml:lang="es">En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 01/06/2016 Volumen 83 Número 2 - junio 2016 , p. 269-299</dc:relation>
<dc:coverage xml:lang="es">Alemania</dc:coverage>