Health insurance companies have their capital buffers doubled in recent years. Their combined assets last year amounted to more than 8 billion, two and a half times as much as the Dutch Central Bank prescribes. In 2007, the combined capacity 4 billion
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This was reported by the CBS. Health insurers are larger buffers because they risk of higher than budgeted cost of care should increasingly contribute themselves. Previously, insurers were there afterwards compensated for by the State.
Risk wear
The cost of nursing and care home must be paid from the general insurance from 2015. In the first year, insurers will still be compensated as a result shortages, but from 2016 the insurers increasingly transferred the risk. The power grew in recent years, mainly because health insurance companies from 2011 profit. In 2013, the profit amounted to about 1.4 billion euros.
Solvency The solvency requirement that DNB for health insurers since 2012 11 percent. Insurers should have equity of at least 11 percent of the average of the gross damage of the past three years. Until 2012 was even a solvency requirement of 9 percent.
Increase premiums
The amount insured pay annual health insurance premium has increased from an average of 950 euros in 2006 to over 1300 euros. The largest increase occurred in the period up to 2011, then the premium for the basic insurance is hardly increased. Next year, health insurance premiums will be up again after a slight decline in 2014.
The Employer
income dependent employer grew even stronger. Where employers in 2006 paid an average of almost 1250 euros per year, that amount was last year at more than 1,900 euros.
Total health insurers took last year to 35.5 billion euros in premiums. There was more than EUR 33 billion in fees across.
In 2013 layers the premiums 9 billion higher than in 2007, claims were about 8 billion higher.
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Sources: CBS, DNB
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