Unisex Tariffs in Health Insurance

Oliver Riedel ()
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Oliver Riedel: Business Administration, Risk Management and Insurance, University of Giessen, Giessen, Germany.

The Geneva Papers on Risk and Insurance - Issues and Practice, 2006, vol. 31, issue 2, 233-244

Abstract: European legislation requires insurance companies to calculate unisex tariffs after December 21, 2007. Health insurance companies can compensate the loss of gender-based primary premium differentiation by using extended premium refund systems (experience rating) to differentiate the premiums between the risks ex post. In this paper, it is shown that about 2/3 of the current ratio between females' and males' expected financial burden can be reached through secondary premium differentiation and the extended risk transfer (back) to the insured can be accepted. The Geneva Papers (2006) 31, 233–244. doi:10.1057/palgrave.gpp.2510080

Date: 2006
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