{"id":88147,"date":"2024-01-22T09:23:35","date_gmt":"2024-01-22T08:23:35","guid":{"rendered":"https:\/\/www.wifo.ac.at\/publication\/88147\/"},"modified":"2024-11-07T00:21:59","modified_gmt":"2024-11-06T23:21:59","slug":"tarifregulierung-in-der-privaten-krankenversicherung","status":"publish","type":"publication","link":"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/","title":{"rendered":"Regulation of Private Health Insurance Premiums"},"content":{"rendered":"","protected":false},"featured_media":0,"template":"","class_list":["post-88147","publication","type-publication","status-publish","hentry"],"acf":{"subtitle":"","text":"In the context of amendment to the Insurance Supervisory Law currently in preparation it has been envisaged to waive pulic control over private health insurance premiums. However, given the peculiarities of the market for private health insurance such a move would give rise to problems of consumer protection. The existing system, on the one hand, provides a client with only insufficient information on price and quality before he signs a contract; after signing, on the other hand, he may correct his decision only at (often substantial) costs. Thus, unregulated competition is not working in the health insurance market, calling for public control. This holds in any case for single-person contracts, with some reservations also for group insurance arrangements.","onlinedate":"1990-04-01 02:00:00","lang":"German","publication_series":"","publication_date":"19900401","publication_date_year":"","publication_date_full":false,"publication_num_pages":"","keywords":"[\"Tarifregulierung in der privaten Krankenversicherung; Regulation of Private Health Insurance Premiums\"]","jelcodes":"[]","related_publications":"[]","pdf":279224,"zip":null,"link":"","monthly_report":true,"monthly_report_main":false,"monthly_report_volume":"63","monthly_report_pages":"260-262","monthly_report_pages_sort":"260","issue":"4","journal":"WIFO-Monatsberichte","publisher":"","invisible":false,"external":false,"embargo_date":null,"types":[44312],"research_groups":[3500],"collaboration":"","persons":[4897],"persons_data":"[{\"personId\":4897,\"personName\":\"Peter Szopo\",\"organisationNames\":[]}]","clients":[],"subclients":[],"partners":[],"topics":[],"host_publication_title":"","host_publication_subtitle":"","place_of_publication":"","host_publication_editors":"[]","type_description":"","output_media":"","chapter":"","article_number":"","citations":"{\"apa\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_apa rendering_contributiontoperiodical rendering_apa rendering_contributiontoperiodical_apa\\\"><span>Szopo, P.<\\\/span> (1990). <span>Tarifregulierung in der privaten Krankenversicherung<\\\/span>. <span><em>WIFO-Monatsberichte<\\\/em><\\\/span>, <em>63<\\\/em>(4), 260-262. <a onclick=\\\"window.open(this.href, '_blank','noopener,noreferrer'); return false;\\\" href=\\\"https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/1062\\\" class=\\\"link\\\"><span>https:\\\/\\\/www.wifo.ac.at\\\/wwa\\\/pubid\\\/1062<\\\/span><\\\/a><\\\/div>\",\"vancouver\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_vancouver rendering_contributiontoperiodical rendering_vancouver rendering_contributiontoperiodical_vancouver\\\"><span>Szopo P<\\\/span>. <span class=\\\"title\\\"><span>Tarifregulierung in der privaten Krankenversicherung<\\\/span><\\\/span>. <span>WIFO-Monatsberichte<\\\/span>. 1990 Apr;63(4):260-262.<\\\/div>\",\"bibtex\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_bibtex rendering_contributiontoperiodical rendering_bibtex rendering_contributiontoperiodical_bibtex\\\"><div>@misc{6aa0116a19a74383a7db6099bb5db5c2,<\\\/div><div>  title    = \\\"Tarifregulierung in der privaten Krankenversicherung\\\",<\\\/div><div>  abstract = \\\"Anl{\\\\\\\"a}{\\\\ss}lich der Novellierung des Versicherungsaufsichtsgesetzes, die in Vorbereitung ist, wurde der Verzicht auf die staatliche Aufsicht {\\\\\\\"u}ber die Tarife in der privaten Krankenversicherung ins Auge gefa{\\\\ss}t. In Anbetracht der Besonderheiten des Marktes f{\\\\\\\"u}r private Krankenversicherung w{\\\\\\\"a}re ein solcher Schritt aus Gr{\\\\\\\"u}nden des Konsumentenschutzes allerdings problematisch: Der Nachfrager nach einer privaten Krankenversicherung kann im bestehenden System einerseits vor Vertragsabschlu{\\\\ss} nur unzureichende Information {\\\\\\\"u}ber Preis und Qualit{\\\\\\\"a}t der Angebote erlangen, andererseits nach Vertragsabschlu{\\\\ss} seine Entscheidung nur mit \u2013 wom{\\\\\\\"o}glich hohen \u2013 Kosten revidieren. Unregulierter Wettbewerb funktioniert auf diesem Markt daher nicht, staatliche Aufsicht ist erforderlich. Das gilt in jedem Fall f{\\\\\\\"u}r die Einzelversicherung, mit Einschr{\\\\\\\"a}nkungen aber auch f{\\\\\\\"u}r die Gruppenversicherung.\\\",<\\\/div><div>  keywords = \\\"Tarifregulierung in der privaten Krankenversicherung; Regulation of Private Health Insurance Premiums, Tarifregulierung in der privaten Krankenversicherung; Regulation of Private Health Insurance Premiums\\\",<\\\/div><div>  author   = \\\"Peter Szopo\\\",<\\\/div><div>  year     = \\\"1990\\\",<\\\/div><div>  month    = apr,<\\\/div><div>  language = \\\"Deutsch\\\",<\\\/div><div>  volume   = \\\"63\\\",<\\\/div><div>  pages    = \\\"260--262\\\",<\\\/div><div>  journal  = \\\"WIFO-Monatsberichte\\\",<\\\/div><p>}<\\\/p><\\\/div>\",\"ris\":\"<div class=\\\"rendering rendering_researchoutput  rendering_researchoutput_ris rendering_contributiontoperiodical rendering_ris rendering_contributiontoperiodical_ris\\\"><p>TY  - GEN<\\\/p><p>T1  - Tarifregulierung in der privaten Krankenversicherung<\\\/p><p>AU  - Szopo, Peter<\\\/p><p>PY  - 1990\\\/4<\\\/p><p>Y1  - 1990\\\/4<\\\/p><p>N2  - Anl\u00e4\u00dflich der Novellierung des Versicherungsaufsichtsgesetzes, die in Vorbereitung ist, wurde der Verzicht auf die staatliche Aufsicht \u00fcber die Tarife in der privaten Krankenversicherung ins Auge gefa\u00dft. In Anbetracht der Besonderheiten des Marktes f\u00fcr private Krankenversicherung w\u00e4re ein solcher Schritt aus Gr\u00fcnden des Konsumentenschutzes allerdings problematisch: Der Nachfrager nach einer privaten Krankenversicherung kann im bestehenden System einerseits vor Vertragsabschlu\u00df nur unzureichende Information \u00fcber Preis und Qualit\u00e4t der Angebote erlangen, andererseits nach Vertragsabschlu\u00df seine Entscheidung nur mit \u2013 wom\u00f6glich hohen \u2013 Kosten revidieren. Unregulierter Wettbewerb funktioniert auf diesem Markt daher nicht, staatliche Aufsicht ist erforderlich. Das gilt in jedem Fall f\u00fcr die Einzelversicherung, mit Einschr\u00e4nkungen aber auch f\u00fcr die Gruppenversicherung.<\\\/p><p>AB  - Anl\u00e4\u00dflich der Novellierung des Versicherungsaufsichtsgesetzes, die in Vorbereitung ist, wurde der Verzicht auf die staatliche Aufsicht \u00fcber die Tarife in der privaten Krankenversicherung ins Auge gefa\u00dft. In Anbetracht der Besonderheiten des Marktes f\u00fcr private Krankenversicherung w\u00e4re ein solcher Schritt aus Gr\u00fcnden des Konsumentenschutzes allerdings problematisch: Der Nachfrager nach einer privaten Krankenversicherung kann im bestehenden System einerseits vor Vertragsabschlu\u00df nur unzureichende Information \u00fcber Preis und Qualit\u00e4t der Angebote erlangen, andererseits nach Vertragsabschlu\u00df seine Entscheidung nur mit \u2013 wom\u00f6glich hohen \u2013 Kosten revidieren. Unregulierter Wettbewerb funktioniert auf diesem Markt daher nicht, staatliche Aufsicht ist erforderlich. Das gilt in jedem Fall f\u00fcr die Einzelversicherung, mit Einschr\u00e4nkungen aber auch f\u00fcr die Gruppenversicherung.<\\\/p><p>KW  - Tarifregulierung in der privaten Krankenversicherung; Regulation of Private Health Insurance Premiums<\\\/p><p>KW  - Tarifregulierung in der privaten Krankenversicherung; Regulation of Private Health Insurance Premiums<\\\/p><p>M3  - WIFO-Schriftenreihen<\\\/p><p>VL  - 63<\\\/p><p>SP  - 260<\\\/p><p>EP  - 262<\\\/p><p>JO  - WIFO-Monatsberichte<\\\/p><p>JF  - WIFO-Monatsberichte<\\\/p><p>ER  - <\\\/p><\\\/div>\"}","scientific_assistance":"[]","scientific_review":"[]","version":"","release_date":null,"expiration_date":null,"surveyor":"","research_assistance":"","edv":"","additional_info_de":"","additional_info_en":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Regulation of Private Health Insurance Premiums - WIFO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regulation of Private Health Insurance Premiums\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/\" \/>\n<meta property=\"og:site_name\" content=\"WIFO\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/WIFOat\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-11-06T23:21:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO-Gebaeude-FotoAlexanderMueller-www.alexandermueller.at-IMG_6326-Bearbeitet-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1280\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@WIFOat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/88147\\\/\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/88147\\\/\",\"name\":\"Regulation of Private Health Insurance Premiums - WIFO\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/#website\"},\"datePublished\":\"2024-01-22T08:23:35+00:00\",\"dateModified\":\"2024-11-06T23:21:59+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/88147\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/88147\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/publication\\\/88147\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Regulation of Private Health Insurance Premiums\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/\",\"name\":\"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/#organization\"},\"alternateName\":\"WIFO\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/#organization\",\"name\":\"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung\",\"alternateName\":\"WIFO\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.wifo.ac.at\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/WIFO_kurz_rechts-2-1920x412.jpg\",\"contentUrl\":\"https:\\\/\\\/www.wifo.ac.at\\\/wp-content\\\/uploads\\\/2024\\\/05\\\/WIFO_kurz_rechts-2-1920x412.jpg\",\"width\":2000,\"height\":429,\"caption\":\"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung\"},\"image\":{\"@id\":\"https:\\\/\\\/www.wifo.ac.at\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/WIFOat\\\/\",\"https:\\\/\\\/x.com\\\/WIFOat\",\"https:\\\/\\\/linkedin.com\\\/company\\\/wifoat\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@WIFO_at\"],\"description\":\"Das WIFO, 1927 von Friedrich August von Hayek und Ludwig von Mises zur Konjunkturanalyse gegr\u00fcndet, ist heute das f\u00fchrende Institut f\u00fcr angewandte empirische Wirtschaftsforschung in \u00d6sterreich mit starkem Engagement auf europ\u00e4ischer Ebene.\",\"email\":\"office@wifo.ac.at\",\"telephone\":\"+43 1 798 26 01 \u2013 0\",\"legalName\":\"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung\",\"foundingDate\":\"1927-01-02\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"},\"publishingPrinciples\":\"https:\\\/\\\/www.wifo.ac.at\\\/institut\\\/mission-und-strategie\\\/\",\"ownershipFundingInfo\":\"https:\\\/\\\/www.wifo.ac.at\\\/institut\\\/organisation\\\/\",\"actionableFeedbackPolicy\":\"https:\\\/\\\/www.wifo.ac.at\\\/aktuelles\\\/presse\\\/\",\"correctionsPolicy\":\"https:\\\/\\\/www.wifo.ac.at\\\/institut\\\/kontakt\\\/\",\"ethicsPolicy\":\"https:\\\/\\\/www.wifo.ac.at\\\/institut\\\/evidenzbasierung-transparenz-und-unabhaengigkeit\\\/\",\"diversityPolicy\":\"https:\\\/\\\/www.wifo.ac.at\\\/institut\\\/gleichstellung\\\/\",\"diversityStaffingReport\":\"https:\\\/\\\/www.wifo.ac.at\\\/institut\\\/gleichstellung\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Regulation of Private Health Insurance Premiums - WIFO","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/","og_locale":"en_US","og_type":"article","og_title":"Regulation of Private Health Insurance Premiums","og_url":"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/","og_site_name":"WIFO","article_publisher":"https:\/\/www.facebook.com\/WIFOat\/","article_modified_time":"2024-11-06T23:21:59+00:00","og_image":[{"width":1920,"height":1280,"url":"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO-Gebaeude-FotoAlexanderMueller-www.alexandermueller.at-IMG_6326-Bearbeitet-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@WIFOat","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/","url":"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/","name":"Regulation of Private Health Insurance Premiums - WIFO","isPartOf":{"@id":"https:\/\/www.wifo.ac.at\/en\/#website"},"datePublished":"2024-01-22T08:23:35+00:00","dateModified":"2024-11-06T23:21:59+00:00","breadcrumb":{"@id":"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.wifo.ac.at\/en\/publication\/88147\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.wifo.ac.at\/en\/publication\/88147\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/www.wifo.ac.at\/en\/"},{"@type":"ListItem","position":2,"name":"Regulation of Private Health Insurance Premiums"}]},{"@type":"WebSite","@id":"https:\/\/www.wifo.ac.at\/en\/#website","url":"https:\/\/www.wifo.ac.at\/en\/","name":"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung","description":"","publisher":{"@id":"https:\/\/www.wifo.ac.at\/en\/#organization"},"alternateName":"WIFO","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.wifo.ac.at\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.wifo.ac.at\/en\/#organization","name":"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung","alternateName":"WIFO","url":"https:\/\/www.wifo.ac.at\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.wifo.ac.at\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO_kurz_rechts-2-1920x412.jpg","contentUrl":"https:\/\/www.wifo.ac.at\/wp-content\/uploads\/2024\/05\/WIFO_kurz_rechts-2-1920x412.jpg","width":2000,"height":429,"caption":"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung"},"image":{"@id":"https:\/\/www.wifo.ac.at\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/WIFOat\/","https:\/\/x.com\/WIFOat","https:\/\/linkedin.com\/company\/wifoat\/","https:\/\/www.youtube.com\/@WIFO_at"],"description":"Das WIFO, 1927 von Friedrich August von Hayek und Ludwig von Mises zur Konjunkturanalyse gegr\u00fcndet, ist heute das f\u00fchrende Institut f\u00fcr angewandte empirische Wirtschaftsforschung in \u00d6sterreich mit starkem Engagement auf europ\u00e4ischer Ebene.","email":"office@wifo.ac.at","telephone":"+43 1 798 26 01 \u2013 0","legalName":"\u00d6sterreichisches Institut f\u00fcr Wirtschaftsforschung","foundingDate":"1927-01-02","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"},"publishingPrinciples":"https:\/\/www.wifo.ac.at\/institut\/mission-und-strategie\/","ownershipFundingInfo":"https:\/\/www.wifo.ac.at\/institut\/organisation\/","actionableFeedbackPolicy":"https:\/\/www.wifo.ac.at\/aktuelles\/presse\/","correctionsPolicy":"https:\/\/www.wifo.ac.at\/institut\/kontakt\/","ethicsPolicy":"https:\/\/www.wifo.ac.at\/institut\/evidenzbasierung-transparenz-und-unabhaengigkeit\/","diversityPolicy":"https:\/\/www.wifo.ac.at\/institut\/gleichstellung\/","diversityStaffingReport":"https:\/\/www.wifo.ac.at\/institut\/gleichstellung\/"}]}},"_links":{"self":[{"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/publication\/88147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/publication"}],"about":[{"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/types\/publication"}],"version-history":[{"count":1,"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/publication\/88147\/revisions"}],"predecessor-version":[{"id":279222,"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/publication\/88147\/revisions\/279222"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/person\/4897"},{"embeddable":true,"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/research_group\/3500"},{"embeddable":true,"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/publication_type\/44312"}],"wp:attachment":[{"href":"https:\/\/www.wifo.ac.at\/en\/wp-json\/wp\/v2\/media?parent=88147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}