title: [AIDS and life insurance in Germany. 10 years successful risk management].
abstract: The introduction of AIDS specific measures by the German life assurance industry in 1988 was an important step towards prevention of adverse selection by the well known risk groups. In retrospect one can state that in the eighties there was a tendency of risk groups for inappropriately high insurance coverage. This could be curtailed with the introduction of a question as to a positive HIV test in each proposal form and a mandatory HIV test for every policy exceeding DM 250,000. These tendencies could very nicely be demonstrated by studies of own AIDS cases. The claims for death and disability benefits because of AIDS are as of now compared to the total claims of minor importance.
authors.affiliation: Arzteabteilung der Allianz Lebensversicherungs-AG, Stuttgart.
authors.forename: S
authors.initials: S
authors.lastname: Akermann
mesh_terms: D000163:Acquired Immunodeficiency Syndrome / Q000191:economics* / Q000401:mortality / Q000635:transmission; D000293:Adolescent; D000328:Adult; D003362:Cost-Benefit Analysis; D005260:Female; D005858:Germany; D006801:Humans; D007352:Insurance, Life / Q000191:economics*; D008297:Male; D008875:Middle Aged; D012308:Risk Management; D012943:Social Security / Q000191:economics; D016019:Survival Analysis
vernacular_title: AIDS and Lebensversicherung in Deutschland. 10 Jahre erfolgreiches Risikomanagement.