A survey of the Private Health Insurance in Germany"Rainer Fürhaupter, Claudia Brechtmann GermanySummaryThe paper deals with the main actuarial principles on which the calculation of premiums in the german private health insurance is based. These are the expectancy cover procedure (age provision) as well as the principle of equivalence (cash value of future benefits = cash value of net premiums, at time of calculation). Besides each of the fundamental factors is described. Furthermore the generation of surplus and its distribution is explained.
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