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Equal Treatment Directive Misunderstands Risk And Threatens Insurance Markets

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  • Paul MacDonnell

Abstract

The Equal Treatment Directive, which will come into force on 21 December 2007, aims to outlaw‘discrimination’ between men and women in the calculation of insurance premiums, is founded upon a fallacious understanding of the nature of actuarial calculations and the morality of‘discriminatory’ calculations where state provision of insurance has traditionally been ‘non‐discriminatory’. The Equal Treatment Directive will have perverse consequences contrary to the aims of its creators ‐ benefiting the better‐off at the expense of the poor and, in some circumstances, men at the expense of women ‐ and will also threaten the private provision of pensions and healthcare essential to solving the looming pensions and healthcare funding crisis among EU member states.

Suggested Citation

  • Paul MacDonnell, 2005. "Equal Treatment Directive Misunderstands Risk And Threatens Insurance Markets," Economic Affairs, Wiley Blackwell, vol. 25(1), pages 48-52, March.
    • Handle: RePEc:bla:ecaffa:v:25:y:2005:i:1:p:48-52
    DOI: 10.1111/j.1468-0270.2005.00539.x
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    Cited by:

    1. Deborah Mabbett, 2014. "Polanyi in Brussels or Luxembourg? Social rights and market regulation in European insurance," Regulation & Governance, John Wiley & Sons, vol. 8(2), pages 186-202, June.
    2. Mabbett, Deborah, 2015. "Polanyi in the European Single Market: The Re-Regulation of Insurance," economic sociology. perspectives and conversations, Max Planck Institute for the Study of Societies, vol. 17(1), pages 25-31.

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