group-life insurance plan danish diabetes association zurich eurolife dahlberg assurance
TRANSCRIPT
Group-life Insurance Plan
Danish Diabetes Association
Zurich Eurolife
Dahlberg Assurance
Situation prior to June 2005
• Very limitid access to life insurance for people with diabetes
• Worse pension-schemes than collegues
• Close to normal insurance-conditions on all other areas
Task and arguments
• To set up a group-life insurance plan for people with diabetes
• Argument: People with diabetes are regularly examined = early detection of complications
• Argument: Huge number of insured = less risk
Achievement
• Group-life insurance up to the age of 51
• Open to all members who meets requirements and spouces/partners
• Premium-rates compatible with ordinary group-life insurance
The Plan
• Basic ”Mandatory” Coverage: 50.000 kr.(Membership A+; min 80% of members
entry)• Voluntry Coverage:
Dkr 150.000Dkr 300.000Dkr 500.000Dkr 1.000.000
Eligibility
Basic ”mandatory” coverage:
• Member or Spouce/Partner of member
• Age 18 – 50
• Fully capable of performing occupation
• Not: HIV-positive, cystical fibrosis, under treatmemt for alcoholism
Eligibility
Voluntry coverage:
• BMI max. 29
• No suffering from diseace leading to premature death
• Last 2 HbA1c measurements under 9
• No abuse of tobacco or alcohol
Perspectives
• Enhance eligibility to 55 years
• Proof of mortality in relation to diabetes
• Enlarge group by inviting other associations
• Better pension deals
Thank you for your attention