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Einmalerläge sichern der Privatversicherungswirtschaft 2014 stabiles Prämienaufkommen

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  • Thomas Url

    (WIFO)

Abstract

Dank stark steigender Einnahmen aus Einmalerlägen expandierte die Lebensversicherung im Jahr 2014 wieder. Hingegen war das Prämienvolumen der Schaden-Unfallversicherung trotz steigender Vertragszahlen rückläufig. Die private Krankenversicherung weitete das Versichertenkollektiv neuerlich aus; obwohl die Zahl der Schadensfälle stieg, blieben die Preiserhöhungen gedämpft. Die Vorbereitung für die Umstellung der Berechnung zur Eigenmittelunterlegung auf Solvency II mit Anfang 2016 beschäftigte die Versicherungswirtschaft, weil das neue Aufsichtsregime auch organisatorische Umstellungen verlangt. Die Regelungen der 1. und 2. Säule von Solvency II erhöhen die Fixkosten in der Versicherungswirtschaft und vergrößern damit Skalenvorteile.

Suggested Citation

  • Thomas Url, 2015. "Einmalerläge sichern der Privatversicherungswirtschaft 2014 stabiles Prämienaufkommen," WIFO Monatsberichte (monthly reports), WIFO, vol. 88(9), pages 695-705, September.
    • Handle: RePEc:wfo:monber:y:2015:i:9:p:695-705
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    References listed on IDEAS

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    1. Carin Huber & Nadine Gatzert & Hato Schmeiser, 2015. "How Does Price Presentation Influence Consumer Choice? The Case of Life Insurance Products," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 82(2), pages 401-432, June.
    2. J David Cummins & Paul Klumpes & Mary A Weiss, 2015. "Mergers and Acquisitions in the Global Insurance Industry: Valuation Effects," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 40(3), pages 444-473, July.
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