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Group-life Insurance Plan

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.

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Group-life Insurance Plan

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  1. Group-life Insurance Plan Danish Diabetes Association Zurich Eurolife Dahlberg Assurance

  2. 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

  3. 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

  4. 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

  5. The Plan • Basic ”Mandatory” Coverage: 50.000 kr. (Membership A+; min 80% of members entry) • Voluntry Coverage: Dkr 150.000 Dkr 300.000 Dkr 500.000 Dkr 1.000.000

  6. 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

  7. 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

  8. Perspectives • Enhance eligibility to 55 years • Proof of mortality in relation to diabetes • Enlarge group by inviting other associations • Better pension deals

  9. Thank you for your attention

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