Finanzielle Anreize durch Erfahrungstarifierung in der gesetzlichen Unfallversicherung

The statutory accident insurance in Germany exhibits in comparison with the other social insurance institutions an extensive premium differentiation. Especially by the use of the Beitragsausgleichsverfahren (a form of experience rating) and the resulting secondary premium differentiation incentives should be generated to increase the prevention activities. In this contribution the effects of the Beitragsausgleichsverfahren of the Butcher's Accident Prevention & Insurance Association are analyzed. It is shown that the average financial burden between high and low risks differs only very limited and the extent of the premium differentiation also depends one the companies size.