Risk surcharge (insurance)
In the insurance industry, individual additional costs are referred to as risk surcharges , which are charged primarily in the event of previous health problems . In the acceptance of a risk premium, although one can still Police only at considerably higher cost to be completed, however. Risk surcharges are particularly common for private health insurance , supplementary care insurance and supplementary dental insurance .
Reasons for a risk surcharge
A whole range of pre-existing conditions can prompt insurance companies to charge a risk premium. In the case of supplementary dental insurance, the lack of teeth is very obvious. With private health insurance, there are pre-existing illnesses of all kinds. Chronic illnesses or disabilities in particular increase the risk for the insurer enormously. However, mental disorders can also lead to a risk premium.
Statutory right to reduce the risk premium
In Section 41 of the Insurance Contract Act (VVG), a right to reduce the surcharge is granted. In addition, a BGH judgment of July 20, 2016 stipulated that when changing insurance, a new health check may only be carried out for additional services .
Individual evidence
- ↑ Risk surcharges: Insurance companies often charge more money Aachener Zeitung on March 29, 2012
- ↑ BGH judgment on risk surcharge when changing private health insurance tariffs , accessed on August 22, 2016.
