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At the beginning of their career civil servants in Germany can choose between the social health insurance (SHI) system and a private plan combined with a direct reimbursement of the government of up to 70 percent. Most civil servants chose the latter, not only but also because they have to cover all contribution payments in the social system themselves, while normal employees get nearly 50 percent from their employers. The city state of Hamburg decided to change the system by paying a share of the contributions if civil servants choose the social plan. We use a stochastic microsimulation model to analyse which socio-economic types of civil servants could benefit from the Hamburg plan and if this changes the mix of insured persons in the SHI system. Our results show that low income and high morbidity types as well as families have a substantially higher incentive to choose SHI. This reform might thereby increase the adverse selection of high risk cases towards SHI.
Business angels in Germany
(2000)
The paper analyzes firms' expansion paths within and across industries and specifically different patterns along these paths. Using a procedure previously applied in statistical process control and employing longitudinal data on the expansion of 91 German firms, we analyzed firms' clustering behavior regarding different characteristics. Results reveal that expansion is a heterogeneous process: the clustering behavior along the expansion path does not only differ between firms, but also within one firm regarding different characteristics of its expansion path.
Corporate Raider
(2002)