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Unisex Tariffs in Health Insurance

Author

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  • Oliver Riedel

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

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

Suggested Citation

  • Oliver Riedel, 2006. "Unisex Tariffs in Health Insurance," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 31(2), pages 233-244, April.
    • Handle: RePEc:pal:gpprii:v:31:y:2006:i:2:p:233-244
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    Citations

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    Cited by:

    1. Shan Huang & Martin Salm, 2020. "The effect of a ban on gender‐based pricing on risk selection in the German health insurance market," Health Economics, John Wiley & Sons, Ltd., vol. 29(1), pages 3-17, January.
    2. Vijay Aseervatham & Christoph Lex & Spindler, Martin, 2014. "How do unisex rating regulations affect gender differences in insurance premiums?," MEA discussion paper series 201416, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.
    3. Bruszas, Sandy & Kaschützke, Barbara & Maurer, Raimond & Siegelin, Ivonne, 2018. "Unisex pricing of German participating life annuities—Boon or bane for customer and insurance company?," Insurance: Mathematics and Economics, Elsevier, vol. 78(C), pages 230-245.

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