So similar to newspaper advertisements, promotional e-mails or calls sound at the moment. Clearly, one or the other is wiser here quickly, works but “tomorrow it will be more expensive” almost always. Quick advice and sold, quickly signed and often soon regretted. The as made step in the private Krankenversicherung (PKV) is only one, the definitely wrong way. Why pay men (so far) less than women? The explanation lies in the calculation, and among other things in life expectancy. A private Krankenversicherung (PKV) must provide their services until the death of insured person and the day after day, year after year. An insured person lives 70 years, instead of only 60 thereby as “the car 10 years savings”, because there is no performance issues more. For the calculation, it is therefore important to know how long is the average life expectancy.

According to Federal Statistical Office boy had a life expectancy of 77,46 years, born in 2009. A girl born at the same time however 82.57 years, lives so statistically expected to be more than 5 years longer. In those years the cost of doctor visits, medicines and other Gesundheistkosten want to be paid but also and among other reasons, the women paid more for private health insurance than men so far. What exactly is it because even with the “it will be more expensive” and why only for men? The here mentioned premium increase for men is therefore the introduction of the so called unisex tariffs. Another change of gender-specific costs was implemented in 2006.

Since then, the imputed cost of pregnancy and childbirth by women not only be worn, but are equally distributed in the rates for both men and women. From 2012, then also the “unification” of costs due to increasing life expectancy follow. In the future, so men and women pay the same contribution. Since the cost but not decrease, a reduction of the contributions of female insured persons is not easy.