Neue Untersuchungen über die KopfschÄden in der Tagegeldversicherung

Summary

There exist considerable statistical gaps in the bases (the risk depending on sex, age and benefit payment period) necessary for calculating the premiums for the insurance of per-diem hospitalization benefits and daily hospital costs. To this writer’s knowledge the last data published in German literature, which may be used for calculation and comparison, originate from observations made in the years 1937 to 1939 and must be considered no longer applicable today. Extensive investigations covering recent observations periods of several years and large portfolios, have enabled the author to furnish — extending and enlarging upon a paper submitted to the XVIII International Congress of Actuaries — new statistical evidence for calculations and comparisons.

In particular, information is given regarding the variation of (a) average number of days hospitalized per insured per year by (b) sex and age (average claim per capita — see tables 1,3 and 7) and, in addition, there are shown correction factors (tables 5, 6 and 9) illustrating the dependence of the risk on varying benefit periods.

For the insurance of per-diem hospitalization benefits, allowance has been made for the significant difference in the disability risks involved by analyzing separately the data for self-employed persons and for employees.