Wybrane czynniki wpływające na poziom ryzyka w grupowych ubezpieczeniach na życie

Abstract

The problem discussed in this paper is the risk level factors existing in group life insurance that do not influence the risk level in individual life insurance. The number of factors is remarkable, which results from: a) wider scope of cover; b) no obligation for employees to enter the group programme; c) possibility for members of the employees" families to enter the programme; d) possibility to divide employees into groups; e) simplified risk evaluation procedures. The factors that are discussed in this paper are: a) antiselection risk (which is the main factor and - to some extent - the result of points b-g listed underneath); b) moment of entering the programme; c) definition of the insured that can be changed and cover not only employees (who can enter the programme); d) definition of the second part of the insurance contract (other than insurer- who can form the group of the insured); e) number of the insured and their share in total number of employees; f) division into groups and the division criterium; g) number of insured members of the employees' family; h) structure of the employees (standard deviation of ageing).