Speaker: Hanno Reich
The German legislator has introduced optional covers in German Public Health Insurance in 2007. In my presentation I will explain the background of this decision, the different products which were introduced in the market and details of the regulatory environment. I will describe the pricing of such products which requires particular methods that are not commonly used in health insurance. The final part of the talk will deal with the performance of the products in the market, their profitability and the impact on the claims cost of the health insurers.