Health-based risk neutralization in private disability insurance

by Elisabeth C. Wijnvoord, Jan Buitenhuis, Sandra Brouwer et al.
The European Journal of Public Health, Vol. 26, No. 6, 1045–1049

6 pp. 119 kB
http://eurpub.oxfordjournals.org/content/26/6/1045.full.pdf

Exclusions are used by insurers to neutralize higher than average risks of sickness absence (SA). However, differentiating risk groups according to one’s medical situation can be seen as discrimination against people with health problems in violation of a 2006 United Nations convention. The objective of this study is to investigate whether the risk of SA of insured persons with exclusions added to their insurance contract differs from the risk of persons without exclusions. The authors conclude that persons with an exclusion had a higher risk of SA than persons without an exclusion. The question to what extent an individual should benefit from being less vulnerable to disease and SA must be addressed in a larger societal context, taking other aspects of health inequality and solidarity into account as well.

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