Blätter der DGVFM

, Volume 10, Issue 4, pp 521–531 | Cite as

Gedanken zum Konjunkturrisiko in der Berufsunfähigkeits-Versicherung

  • Hans-Rudolf Dienst


Experience in the past, especially in the early thirties has shown substantial increases of disablement ratios during periods of economic crises. This effect is produced mainly by people who have been medically disabled long time ago and in addition by people with relatively minor medical problems who would not consider themselves disabled in good times, but who in both instances are induced to claim insurance benefits only in consequence of the crisis. In order to avoid deficits in the operations of disability insurance, adequate funds must be reserved ahead of time. The author outlines a logical theoretical method to measure such reserves and proposes practical ways to build them up from the profits in periods of lower disablement ratios.


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  1. 2).
    Dan M. McGill, Life Insurance, Homewood 111. 1967, S. 733.Google Scholar
  2. 3).
    Transactions of the Society of Actuaries 2/1953, S. 96.Google Scholar
  3. 4).
    Heubeck undFischer, Richttafeln für die Pensionsversicherung, Wei\enburg 1948, S. VIII.Google Scholar
  4. 5).
    GeschÄftsbericht der österreichischen Angestelltenversicherungsanstalt für 1937, S. 11.Google Scholar

Copyright information

© DAV/DGVFM 1972

Authors and Affiliations

  • Hans-Rudolf Dienst
    • 1
  1. 1.München

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