Unisex tariffs tariffs with the same contribution for men and women already in March 2011 the European Court of Justice has decided that there should be no different contributions for men and women for insurance in the future. At the moment, it is still common that women such as motor insurance pay less than men. The reason is, that they are involved in fewer accidents. As well, you can see a difference in the private pensions. Here, however, the women pay a higher contribution. The reason that women live statistically 6 years longer than men. Also in the area of supplementary health insurance, there is still a different contribution at the moment.
The women pay a higher monthly fee E.g. for a dental insurance as the men’s. As a reason for this it means that women due to hormone changes and pregnancy faster for dental treatment and dental prostheses are more vulnerable than men. As well, women attach great importance to their health and perceive more often the screening and prophylaxis measures, as the stronger sex. This all together leads to higher costs and services that need to compensate the insurance companies with the contributions.
What is the opinion of experts? After the 21.12.2012, insurance companies may no longer dependent on calculate the contributions by the gender of the policyholder. It will be only the so-called unisex tariffs. The scheme however only applies to newly completed tariffs. Old, existing tariffs are excluded from this innovation. At the moment, experts warn against excessive euphoria. Although the rates for women will be cheaper and the men are probably deeper need access in the bag, but sooner or later the insurance companies will have to raise contributions. The reason for this sounds logical: men are due to the high contribution rather against a dental insurance decide. The women, however, looking forward and close, thanks to the favourable contribution increased Dental insurance from. This leads to an imbalance of the sexes, the insurance companies cannot refund the cost of treatment with the current contributions and therefore increase the contributions. Because it is not certain how the contributions to develop insurance experts advise especially the men to complete a dental insurance with the old model of contribution before the 21.12.2012. Women, however, should choose the unisex tariffs because it has significantly more favourable posts especially at the beginning of the insurance period. Steffanie Schwertl