"S **, luxury and a horny haircut" - that's a unisex hairdressing chain advertises on the Internet for their services. What is in fashion, accessories, sunglasses, perfume, toilet and apparently also in the hairdressing sector is already widespread, the insurance sector is still rather strange. So far, for certain types of Police's sex as a risk factor that is included in the tariff structure, where there is statistically demonstrable differences in risk. But that is to be different now from 12/21/2012, the European Court of Justice (ECJ) in Case C-236/09 decided.
He tipped it a derogation of the so-called EU anti-discrimination Directive No. 2004/113/EC for the insurance industry. To date, such as Germany, that women of pension or private health insurance must dig deeper into their pockets than men. For women in Germany is currently higher by about five years of life expectancy, the pension must therefore have longer pay for them. In addition, women go to the doctor and cost more - just think of the birth of Children. That for the "production" of children and the participation of men is needed, is apparently not included in the tariff calculation. Cheaper to move away, especially younger women car insurance - because they are obviously on average, the more cautious drivers. Men are as willing to take risks and have to turn their mobile status symbols insure more expensive. Even with term life insurance they must pay higher premiums - because it is faster to just expect it to death.
future, but the sex may play no role in pricing, the Court has decided. The insurance industry has been committed so-called unisex rates offer, as they are mandatory as for Riester policies for several years. however, only affects policies that are closed out of the closing date in December 2012.
The insurance industry regretted the decision: "The decision is a central principle of the private insurance industry, namely the principle of equivalence between contributions and power, questioned," says the General Association of German Insurers. Consumer advocates welcomed the other hand, the unisex rates: "Just because the feature men and women is to bring simple, not a reason to take their gender statistics in guilt by association is," said Gerd Billen, Chairman of the Consumer Federation of (vzbv) - and points out that social change is a result of behavioral factors have a much higher priority for the health of a person and their life expectancy than the sex. Finally, there should also be women who like to drive a hot tire, and men who bravely go to the doctor. The German Association of Actuaries objects, however: the approximation of the lives of men and women have not led to the reduction of the difference in life expectancy - the difference in performance in 1962 was about five years.
are premiums for both sexes in consequence of the decision have to adjust so - the only question is at what level. The insurance industry pointed out that uniform tariffs would lead to an overall higher level of premium - "steam chat" calls it the federal government of the insured. Finally, there is a constant cost of claims, which now not only everything would be distributed by gender to all insurance customers. Even the vzbv fears that the insurance industry could use the ruling for a premium adjustment to the top: "Regulators need to ensure that will not end up contributions for the same performance increase," Calls Billen.
0 comments:
Post a Comment