Akermann S
Arzteabteilung der Allianz Lebensversicherungs-AG, Stuttgart.
Versicherungsmedizin. 1998 Jun 1;50(3):94-8.
The introduction of AIDS specific measures by the German life assurance industry in 1988 was an important step towards prevention of adverse selection by the well known risk groups. In retrospect one can state that in the eighties there was a tendency of risk groups for inappropriately high insurance coverage. This could be curtailed with the introduction of a question as to a positive HIV test in each proposal form and a mandatory HIV test for every policy exceeding DM 250,000. These tendencies could very nicely be demonstrated by studies of own AIDS cases. The claims for death and disability benefits because of AIDS are as of now compared to the total claims of minor importance.
1988年德国人寿保险业引入艾滋病专项措施，这是朝着防范知名风险群体逆向选择迈出的重要一步。回顾过去可以说，在八十年代，风险群体有获得过高保险额度的倾向。通过在每份投保申请表中加入关于HIV检测呈阳性的问题，以及对每份超过25万德国马克的保单进行强制性HIV检测，这种倾向得以遏制。通过对自身艾滋病案例的研究，可以很好地证明这些趋势。目前，因艾滋病提出的死亡和残疾福利索赔与总索赔相比，重要性较低。
