Getting the balance right: private insurance for social needs

04 - 05 Mar 2013

Organised by: Swiss Reinsurance Company Ltd

Welcome

The ruling by the European Court of Justice on gender was a clear signal that the industry should be doing more; both to better communicate the benefits and the need of risk based pricing, but also to listen more closely to societal misgivings about risk differentiation in private insurance.

The European Union plans further anti-discrimination legislation, including on age and disability, two vital areas for private life and health insurance. It is important for the industry to openly debate these issues and address widely held concerns, while not undermining the fundamental model of private insurance itself.

It is in this spirit that Swiss Re is hosting  the second "Getting the balance right", focused on gender, age and disability, with a programme packed with high level speakers from all sides of the debate.

Alison Martin

Member of the Group Management Board
Division Head Life & Health, Swiss Re

Agenda

Day 1

Monday, 4 March 2013

10:00

Welcome coffee and registration

10:45

Welcome and introduction
John Turner, Head of L&H Underwriting Continental Europe, Swiss Re

11:00

Ending discrimination: a clear political goal
Mary Honeyball, European Parliament Spokesperson on Women and the Education and Culture Committee

11:30

Balancing private versus social insurance
Karel Van Hulle, Professor at the KU Leuven and at the Goethe University Frankfurt (House of Finance), former Head of Insurance and Pensions at the European Commission, Directorate-General Internal Market and Services

12:00

Balancing the needs of society against fundamentals of insurance
Alison Martin, Member of the Group Management Board, Divison Head Life & Health, Swiss Re

12:30

Lunch buffet

13:50

 


14:20


14:50

Council of Europe stakeholder consultation on the use of health related data in insurance
Laurence Lwoff, Secretary of the Committee on Bioethics of the Council of Europe (DH-BIO), Human Rights Directorate

Anti-discrimination legislation and insurance
Sophie Malétras, European Commission, Directorate-General Justice Unit

Insurance consequences of gender
Peter Eichler, Member of the Management Board, UNIQA Österreich Versicherungen AG and Raiffeisen Versicherung AG

15:20

Coffee break

15:50

Workshops

  1. Balancing risk selection and data privacy requirements
    Marc Rotenberg, Executive Director of the Electronic Privacy Information Center (EPIC), Washington DC
  2. Product opportunity post gender
    Ralf Krüger, Senior Product Actuary, Swiss Re
  3. Understanding medical risk assessment - the basis for extending insurability
    Kevin Somerville, Medical Consultant, Swiss Re

16:40

Panel discussion: Anti-discrimination in the context of insurance

  • Martha Jean Baker, Women's International League for Peace and Freedom
  • Paul MacDonnell, Head of EU & Regulatory Affairs, Irish Insurance Federation
  • Robert Kneepkens, Chief Medical Officer, Pension & Life, Achmea

Moderated by William Vidonja, Head of Single Market & Social Affairs, Insurance Europe

17:30

Closing remarks
Jon Lambert, Senior Underwriting Consultant, Swiss Re

17:45

Apéro

18:30

Dinner

Day 2

Tuesday, 5 March 2013

08:00

Welcome coffee

08:30


09:00


09:30

Macro to micro
Nick Kirwan, Insurance Consultant

The rights of older people
Anne-Sophie Parent, Secretary General of Age Platform Europe

Why voluntary insurance markets must age to survive
Jim Murphy, Principle, Milliman

10:00

Coffee break

10:30


11:00

 

11:30

Protecting those with disabilities
Ingemar Färm, Board member of European Disability Forum (EDF)

Protecting older lives
Baroness Sally Greengross, Member of the UK House of Lords, Chief Executive of the International Longevity Centre, UK

The future of disability in insurance
Deaglán Ó Briain, Principal in the Irish Department (Ministry) of Justice and Equality

12:00

Short break

12:15

Panel discussion: The future of differentiation

  • Dominik Bachmann, Head Public Affairs, Aids-Hilfe Schweiz
  • Ine van Hoywegen, Assistant Professor at the Faculty of Health, Medicine and Life Sciences at Maastricht University
  • Karel Van Hulle, Professor at the KU Leuven and at the Goethe University Frankfurt (House of Finance), former Head of Insurance and Pensions at the European Commission, Directorate-General Internal Market and Services
  • John Turner, Head of L&H Underwriting Continental Europe, Swiss Re

Moderated by Gabriel Bernardino, Chairman of European Insurance and Occupational Pensions Authority (EIOPA)

13:00

Closing remarks
Christoph Nabholz, Head of Business Development, Swiss Re Centre for Global Dialogue

13:10

Lunch buffet

 


Paul MacDonnell

Head of EU & Regulatory Affairs, Irish Insurance Federation

Speakers

Downloads

As of December 2012, EU insurers were no longer allowed to charge different premiums solely according to gender. The practice had been generally standard in the industry, where actuaries had long identified distinct gender risk profiles in lines such as life insurance and motor. The European Court of Justice decided that an exemption provided to insurers was not in the spirit of anti-discrimination legislation, which demanded equal access to goods and services for men and women.

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