insurance: The unjustified cries of the insurer
The European Court will decide whether insurers must calculate their rates for men and women differently. Women pay more in pension insurance, because they live longer statistically. While men rely more car accidents and cough up more for their car insurance. But insurers are different not only long after the race.
Enlarge logos of leading insurers: The European Court of Justice in 2011 to judge whether different discriminatory insurance rates by gender. Insurers defend themselves against common tariffs for men and women dpa / dpaweb What a hue and cry: The European Court of Justice (ECJ) has not decided anything, but the insurer beat precaution ever crash. Measure would, in the worst case, all tariffs will be recalculated. And could cost the first estimate for 30 billion euros, warned the German actuaries. The costs would lead to dramatic financial difficulties in the German life insurers, announced Michael Steinmetz, CEO of the German Actuarial Association.
But this problem does not interest the ECJ. He is concerned essentially with the question: Is it okay if the sex of the insured as a risk factor in the calculation of tariffs play a role? And so sometimes the men, sometimes discriminated against women?
Discriminated against is presently the insurers - and black paint. Munich-Re-chief Nikolaus von Bomhard warned that in case of emergency all the "better off" turned their backs the underwriters and "another system" were looking for. "That's why it's an art to organize the insurance community," he said, referring to the private insurers. Alliance-Germany boss Markus Riess even sees the business model of the German insurance industry at risk. It is crucial that "we are able to risks detailed understanding and making the right prices. " The required level for risk analysis. And that includes not just the sex.
Insurers calculate their contributions, for example in motor insurance by age and the profession. Especially in young boys causing the damage, so they will cough up even more. The profession also plays a role in contributing to disability insurance, for Roofing is a more dangerous job as a secretary. The residence is important in the household insurance, because in some regions will be broken more often than others. "Private insurers may calculate their rates differ, if they can prove the difference statistically, and it does not violate any laws," says Professor Heinrich Schradin insurance from the University of Cologne.
Exactly in this point, see the gentlemen in the right insurer. Women live five years longer, guys build more accidents. Basta.
European law unisex insurance rates underminedThe fact that the insurer but not just scream out loud, but also more expensive, accordingly, the rates shown by the example Riester pension. Since January 2006, are here after a government decision unisex rates. "Men and women are the future for the same contributions, the same monthly benefits upon completion of a" get "Riester pensions, the government announced at the time.
Equal yes, but more expensive. The consequence of that time. "Some insurers calculated then the rates on a statistical mortality of women - that women paid not less, but men more," says actuary Peter Schramm This is so because women statistically live five years longer, and insurers then longer have to pay rent.
So the women men pay rates, but rather die. No problem for insurers. They underscore a risk on this detour gains: And be dying whenever more insured than initially calculated. Finally, the insurer pays the rent then shorter. must distribute 75 percent of this risk, he gains the remaining customers - a quarter but he may keep.
Decided by the ECJ in three to six months that insurance rates for men and women have to calculate the same, it is expensive. But not for the insurers.
