Insurance

Life insurance, occupational disability: unisex tariffs make insurance more expensive

Summary

As of December 21, 2012, insurers must design their premiums neutrally and are no longer allowed to differentiate between women’s and men’s tariffs. But it doesn’t make the policies cheaper. For new customers, the unisex tariffs sometimes have significant surcharges. […]

Life insurance, occupational disability: unisex tariffs make insurance more expensive.  Many insurance tariffs are becoming more expensive - for men differently than for women (source: archive)

As of December 21, 2012, insurers must design their premiums neutrally and are no longer allowed to differentiate between women’s and men’s tariffs. But it doesn’t make the policies cheaper. For new customers, the unisex tariffs sometimes have significant surcharges. Which policies will be more expensive for women and which for men.

For example, men can expect price increases of up to 40 percent when taking out new occupational disability insurance or supplementary long-term care insurance, as the magazine “Finanztest” reports in its September issue. For women, risk life insurance in particular is becoming more expensive.

Prices go up

Insurance companies used this abolition of gender discrimination in their favor, reports “Finanztest”: “Prices go up significantly – where it has to be cheaper, but only moderately downwards.” That is the result of a sample of large insurance companies.

The new pricing for men is likely to make term life insurance policies a little cheaper. Women could benefit from the Rürup pension insurance for the self-employed as well as from the occupational disability insurance. In addition, the contributions for private health insurance are likely to fall.

Women have to share the risk of men

In the case of term life insurance, on the other hand, women would have to add up to 55 percent in the future. So far, they have paid less than men because of their higher life expectancy. In the future, women would have to share the risk posed by men.

However, since the services are essentially the same for policies of this type, “the price is the most important criterion in the selection,” the authors of Stiftung Warentest advise to compare the offers. But it would be beneficial for women who need a risk life policy if they would take out it before December 21st.

According to the “Finanztest”, term life insurance is particularly useful for people who want to protect their relatives. First and foremost, these are young couples and families.

Healthy people have to pay less

There are particularly favorable tariffs for people who are healthy, are not overweight and do not pursue a risky hobby. Those who smoke pay more. For example, a 34-year-old non-smoker currently pays 78 euros a year for a contract with a 20-year term and 150,000 euros insured with the cheapest provider, and 261 euros with the most expensive provider. A smoker of the same age pays 181 euros with the cheapest provider and 401 euros with the most expensive.

Men have to share the risk with women

In the private pension insurance, on the other hand, men have to reckon with surcharges. Because now they have to support the longer life expectancy of women. An early conclusion can therefore be worthwhile. For women, on the other hand, the insurance premium is likely to be cheaper.

For car insurance, however, novice drivers have to pay more. So far, the contributions for women have been cheaper because they cause fewer accidents.

The switch to unisex only applies to new contracts. Old contracts remain exempt from the conversion if the contract expressly includes an option to change, writes the “Finanztest”.

The complete article on the topic of unisex tariffs can be found in the current issue of “Finanztest” (9/2012

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