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"هل خطر التفرقة والتباين في أسواق التأمين الأوروبية في خطر؟" هل خطر التفرقة والتباين في أسواق التأمين الأوروبية في خطر؟ "هل خطر التفرقة والتباين في أسواق التأمين الأوروبية في خطر؟"
تجادل الورقة بأن تمايز المخاطر في أسواق التأمين الأوروبية قد يكون في خطر بسبب الاتجاه نحو حظر تمايز المخاطر بدعم من مبدأ المساواة.
إن تمايز المخاطر في أسواق التأمين الأوروبية في خطر بسبب عوامل مختلفة. يسمح مبدأ المساواة في المعاملة بين الرجال والنساء، كما تم تنفيذه بموجب توجيه المجلس 2004/113/ecc ، لشركات التأمين بتطبيق تمايز المخاطر، ولكن هناك اتجاه نحو حظر تمايز المخاطر بدعم من مبدأ المساواة [1]. وقد لوحظ الاختيار المعاكس، حيث يشتري الوكلاء ذوو المخاطر المنخفضة المزيد من التأمين، في بعض أسواق التأمين الأوروبية [2]. كما أدت لوائح التعريفة والحظر القانوني للتعريفات التمييزية لخطط التأمين الإلزامي في العديد من البلدان الأوروبية إلى الحد من تصنيف المخاطر في تأمين السيارات [3]. تأسس توجيه المساواة في المعاملة، الذي يهدف إلى حظر التمييز في أقساط التأمين، على فهم خاطئ للحسابات الاكتوارية وقد يكون له عواقب ضارة، مما يفيد الميسورين على حساب الفقراء ويهدد التوفير الخاص للمعاشات والرعاية الصحية [4] [5].
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