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Lebensversicherung leidet weiterhin unter niedrigem Zinsniveau

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  • Thomas Url

    (WIFO)

Abstract

Der österreichische Versicherungsmarkt schrumpfte 2012, vor allem aufgrund des Rückganges der Einmalerläge in der Lebensversicherung. In der privaten Krankenversicherung und der Schaden-Unfallversicherung wurden die versicherten Risiken hingegen ausgeweitet. In beiden Bereichen bestimmten 2012 Preissteigerungen die Entwicklung stärker als die leicht positiven Mengeneffekte. Das anhaltende niedrige Zinsniveau stellt die Veranlagungspolitik der Versicherungswirtschaft vor große Herausforderungen. Im Jahr 2012 ermöglichte der niedrige Abschreibungsbedarf eine Steigerung der Veranlagungsrendite.

Suggested Citation

  • Thomas Url, 2013. "Lebensversicherung leidet weiterhin unter niedrigem Zinsniveau," WIFO Monatsberichte (monthly reports), WIFO, vol. 86(9), pages 769-779, September.
    • Handle: RePEc:wfo:monber:y:2013:i:9:p:769-779
    Note: With English abstract.
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    References listed on IDEAS

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    1. Franz Sinabell & Thomas Url, 2006. "Versicherungen als effizientes Mittel zur Risikotragung von Naturgefahren," WIFO Studies, WIFO, number 28181.
    2. Thomas Url & Franz Sinabell, 2008. "Flood Risk Exposure in Austria – Options for Bearing Risk Efficiently," Schmollers Jahrbuch : Journal of Applied Social Science Studies / Zeitschrift für Wirtschafts- und Sozialwissenschaften, Duncker & Humblot, Berlin, vol. 128(4), pages 593-614.
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