Unisex Insurance Pricing: Consumers’ Perception and Market Implications

摘要: The main reason for different insurance premiums and benefits is the use of statistically proven risk factors in actuarial calculations individuals. Basing its ruling on European Union Directive 2004/113/EC, Court Justice 1 March 2011 concluded that any gen der-based discrimination prohibited, so gender equality (EU) must be ensured from 21 December 2012. Until then, gender-specific premium differentiation was allowed most EU Member States risks are strongly linked to gender. We discuss relevance price criteria point view insurers, regulators ethicists, reflect degree acceptance such by consumers, which assessed empirically through an international consumer survey conducted United Kingdom, Germany, France, Italy Switzerland. perception effective gender-related differences considered with respect motor, annuity, term life health insurance. Finally, we possible consequences new regulation industry.