Seminar paper from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,3, University of Kassel, language: English, abstract: In the discussion about cost increase for German health care, the existence of a moral hazard problem is often mentioned. A bigger part of the costs are ascribed to the insured persons behavior or lifestyle. The insured person is led to an increased demand of medical services...