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The emerging market for supplemental long term care insurance in Germany in the context of the 2013 Pflege-Bahr reform

机译：2013年PFlege-BAHR改革的背景下德国补充长期护理保险的新兴市场

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摘要

The growing cost of long term care is burdening many countries' health and social care systems, causing them to encourage individuals and families to protect themselves against the financial risk posed by long term care needs. Germany's public long-term care insurance program, which mandates coverage for most Germans, is well-known, but fewer are aware of Germany's growing voluntary, supplemental private long-term care insurance market. This paper discusses German policymakers' 2013 effort to expand it by subsidizing the purchase of qualified policies. We provide data on market expansions and the extent to which policy goals are being achieved, finding that public subsidies for purchasing supplemental policies boosted the market, although the effect of this stimulus diminished over time. Meanwhile, sales growth in the unsubsidized market appears to have slowed, despite design features that create incentives for lower-risk individuals to seek better deals there. Thus, although subsidies for cheap, low-benefit policies seem to have achieved the goal of market expansion, the overall impact and long-term sustainability of these products is unclear; conclusions about its impact are further muddied by significant expansions to Germany's core program. The German example reinforces the examples of the US and France private long term care insurance markets, to show how such products flourish best when supplementing a public program. (C) 2017 The Authors. Published by Elsevier Ireland Ltd.
机译：长期护理的成本不断增长，负担许多国家的健康和社会护理系统，导致他们鼓励个人和家庭保护自己免受长期护理需求所带来的财务风险。德国的公共长期护理计划，任务为大多数德国人提供覆盖，是众所周知的，但较少的是意识到德国不断增长的自愿，补充私人长期护理保险市场。本文讨论了德国政策制定者2013通过补贴购买合格政策来扩展它。我们提供市场扩展数据以及实现政策目标的程度，发现采购补充政策的公共补贴提升了市场，尽管这种刺激的效果随着时间的推移而减少。与此同时，尽管设计特征为低风险的个人创造了更好的人来说，但是销售市场似乎似乎已经放缓了速度。因此，虽然对便宜的低福利政策补贴似乎已经取得了市场扩张的目标，但这些产品的整体影响和长期可持续性尚不清楚;关于其影响的结论进一步掩盖了德国核心计划的重要扩张。德国示例强化了美国和法国私人长期护理保险市场的例子，以展示在补充公共计划时如何蓬勃发展。 （c）2017作者。 elsevier爱尔兰有限公司出版

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