Ungenaue Rückstellungsprognosen in DI-Claims
Definition
In deutschen Disability Income (DI) Portfolios führen ungenaue Rücksteller-Schätzungen zu signifikant höheren Reserves; datengetriebene Tools reduzieren diese um 9%.
Key Findings
- Financial Impact: 9% höhere Claims Reserves (z.B. für 40-Jährige); 7% höhere Prämien durch fehlende Reviews
- Frequency: Kontinuierlich in DI-Portfolios
- Root Cause: Fehlende Zusammenarbeit Actuaries/Claims Managers
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
Fehlende Rücksteller führen zu Betriebsprüfungsstrafen
Talentsklemme in der Schadensbearbeitung
GoBD-Verstöße bei digitaler Dokumentation
Verzögerungen bei der Tarifgenehmigung durch BaFin
Bußgelder bei fehlerhaften AUZ-Berechnungen
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