Exemption from contributions

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An exemption from contributions refers to the waiver by clubs , associations , parties , insurance companies, etc. to pay contributions from members or customers, which can have many reasons.

An exemption is usually given on application; the conditions for this are specified in the articles of association or in the general insurance conditions of the matter to be regulated. In most cases, social aspects play a role in the exemption from contributions. These can be temporary as they can be reversed with cancellation.


In insurance, the premium exemption describes the conversion of a life insurance contract , for which regular premium payments are agreed, into a contract with the same expiry date, but without further premium payments.

In the case of exemption from premiums, the sum insured determined by the premium extrapolation is reduced to the premium- free sum. This is usually determined in the guarantee value table of the insurance policy depending on the number of insurance years that have elapsed up to the exemption from contributions . For contracts concluded before 1995, this is derived from the insurer's business plan. The Insurance Contract Act gives the policyholder the right at any time to exempt the contract within the framework of the statutory requirements at the end of the current insurance period. The exemption from contributions is also the legal consequence of a termination by the insurer due to delay in payment of contributions, in the case of legal arrangements for the Rürup pension or the company pension scheme .

In addition to the exemption from premiums, there is the option to defer insurance premiums temporarily or partially (see interim risk premium ).

Individual evidence

  1. Archive link ( Memento from February 20, 2009 in the Internet Archive )