🇩🇪Germany
Fehlentscheidungen durch ungenaue Schadensbewertung
1 verified sources
Definition
Collaboration between actuaries and claims managers reveals potential 30% recovery increase, reducing premiums by 7% and reserves by 9% for DI claims.
Key Findings
- Financial Impact: 7% higher premiums; 9% inflated claims reserves (e.g., for disabled at age 40)
- Frequency: Ongoing for DI portfolios
- Root Cause: Lack of integrated hard/soft criteria in claims prioritization
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Claims Adjusting, Actuarial Services.
Affected Stakeholders
Actuaries, Claims Managers
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
GoBD-Verstöße bei digitaler Dokumentation
€5,000+ minimum fine per violation; 20-40 hours/month manual compliance effort
Hohe Verwaltungskosten durch manuelle Tarifbegründung
Significant reduction in underwriting effort needed; manual processes inflate costs by hours per application
Verzögerungen bei der Tarifgenehmigung durch BaFin
3-6 Monate Verzögerung pro Filing (ca. €50.000-€200.000 opportunity cost pro Tarif basierend auf typischen PKV-Portfolio-Größen)
Bußgelder bei fehlerhaften AUZ-Berechnungen
€10.000-€100.000 pro qualifizierter Bescheinigung oder BaFin-Verwarnung (plus Nacharbeitskosten)
Falsche Zinssatzannahmen durch manuelle Analyse
0.5-1% geringerer genehmigter Zinssatz = €500.000+ p.a. bei €100M Portfolio
Versicherungsbetrug Verluste
€4 Milliarden annually industry-wide
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