AVB und Beratungspflichten – Markt – und Produktdisposition

Although insurers over services, they are no advisers/consultants. Nevertheless, the jurisdiction has already established an pre-contractual insurers duty to l advise insureds under the validity of the old VVG according to general civil law rules. Article 6 VVG standardizes such duties for the first time and aims to guarantee customers proper advice/consultancy particularly before the contract ends to prevent lapses in coverage. Therewith some considerable questions referring to concurrent laws concerning the law of the general terms and conditions, which aim to guarantee reliable and transparent information for customers in a quite similar way, arise. The author discusses this problem of concurrent laws and develops criteria which show which law is applicable on what occasion. As a result, a possibly contradictory pre-contractual double review is avoided.     

Informations- und Beratungspflichten des Versicherers nach der VVG-Reform

The insurer’s duty to enable the customer to come to an appropriate decision, providing advice and information, is a central topic of the reform of the German insurance contract law. The obligations of intermediaries given by the Directive 2002/92/EC on insurance mediation are transferred to insurers and thereby enlarged in some aspects. The duty to give advice in §6 I 1 VVG depends on the objective circumstances of each individual case depending upon either the complexity of the insurance contract and problems in understanding its terms, or the characteristics and situation of the customer. Therewith, the regulation both refers to former jurisdiction and exceeds it by implementing a duty for the insurer to ask for the demands and the needs of the customer. Without reason in the special case the customer has to disclose his need for advice to obtain it. During the term of the contract the insurer is only obliged to give advice if he knows or — acting diligently — could know the needs of the policy-holder. On a European level further duties to inform and advise could help to achieve an effective internal insurance market.     

Beratungspflichten des Versicherers nach § 6 VVG n. F.: Grundlagen,Reichweite, Rechtsfolgen

The article deals with the requirements and the legal effects of the insurer's duty to provide advice, which has been laid down in the German Insurance Contract Code as part of its recent reform. Thus the various causes that lead to a duty to provide advice are inspected, as well as the role of the cost of such advice for its extent. Further topics include the insured's possibility to waive the right of advice, the insurer's duties after conclusion of the contract and the matter of liability, including the imputation of an insurance agent's behaviour with respect to the duties to provide advice. In the course of the article eight different theses are developed, which are presented summarily at its end.     

Methoden zur allokation von sicherheitskapital Darstellung und Beurteilung aus Sicht der Unternehmungsleitung

If the board of an insurance company wants to allocate capital to its business fields it is worth-while to base this decision on a conceptual distinction between profit and risk (safety first-principle). For calculating the amounts of capital allocated five methods can be used. These methods differ in the way risk is measured. To evaluate strengths and weaknesses of these methods four criteria are introduced: power, compatibility regarding the board’s preferences, costs and board involvement. Checking the criteria for each method gives the result that three methods are dominated. The board, therefore, has to choose only between the volatility based method (in its variance-proportional form) and the shortfall based method.     

Genetik und Versicherung aus juristischer Sicht: Rechtsvergleichende Überlegungen zur genetischen Untersuchung im Versicherungsbereich

This article investigates the new developments in the area of medical and clinical genetics, in particular in the area of molecular medicine. Based on this, a presentation and discussion of the current legislations in selected countries follows. A further focal point is the differing interpretation and application of the investigation and disclosure bans. The paper ends with a discussion of various argumentation methods for future law politics.     

Eine methode zur Berechnung von Alters- und Invaliditätsrenten bei willkürlicher jährlicher Prämienzahlung

Abstract

Die sehwedische staatliche Pensionsversicherung ist bekanntlich als eine kombinierte Alters- und Invaliditätsversieherung organisiert. Mit 67 Jahren oder bei früher eingetretener Invalidität fängt die Auszahlung einer Pension an, deren Betrag sich als ein gewisses Prozent der einbezahlten Prämien ergiebt, für Manner 30 und für Frauen 24 Prozent. Diese Höchsbeträge werden jedoch für diejenigen Personen, die bei dem Inkrafttreten des Alterspensionsgesetzes eine gewisse Altersgrenze überschritten hatten, einigermassen modifiziert.     

Bemerkungen zur theorie der statistischen funktion

Abstract

In einer früheren Arbeit habe ich u. a. verschiedene kritische Anmerkungen über die Ansichten der Korrelationisten veröffentlicht. Um leicht entstehende Missverständnisse gleich von Anfang an zu vermeiden, möchte ich einige Ergänzungen zur angeführten Arbeit geben. Ich schicke folgende Erklärungen voraus.