[Reasons for different loss experiences with men and women in private disability insurance].
Women in general have a more unfavourable loss experience in private disability insurance due to biological and social reasons (enhanced rate of malignant and psychic diseases). Contrary to the enhanced rates of orthopaedic diseases and accidents with men, women's diseases are not work-related and therefore are not to be compensated by any extra amounts concerning occupational groups. In spite of the enhanced risk of occupational disability, women are more seldom insured against this risk than men. So--despite the rising female rate--there is still a clear backlog demand.
Kühn
T
T
Alte Leipziger Lebensversicherung, Oberursel.
Kirchner
M
M
D005260:Female; D005858:Germany / Q000453:epidemiology; D006297:Health Services Accessibility / Q000191:economics / Q000706:statistics & numerical data*; D006801:Humans; D007342:Insurance Benefits / Q000191:economics* / Q000706:statistics & numerical data*; D018868:Insurance, Disability / Q000191:economics* / Q000706:statistics & numerical data*; D008297:Male; D008875:Middle Aged; D009784:Occupational Diseases / Q000191:economics* / Q000453:epidemiology*; D015995:Prevalence; D017678:Sex Distribution; D012737:Sex Factors; D014931:Women, Working / Q000706:statistics & numerical data