The entrance age is a term from insurance. It describes the age of the insurant, which the insurer accepts for the calculation of his contribution at the beginning the desired insurant. It does not have to correspond to the actual age.

The entrance age is above all then for the height of the insurance premiums substantially, if bometrische risks are insured, thus risks, which change substantially with the age of the Versicherunsgnehmers. This concerns above all life insurances, occupation and disability insurance, private private health insurances and nursing care insurances.

However on the basis the entrance age it is also examined whether an insurableness is still given. This concerns the accident insurance apart from the insurance specified above also.

For the determination of the entrance age there are essentially three procedures:

Actual entrance age

In this procedure the actual age of the insurant is considered day-exactly. The insurance begins one day after the birthday is older the insurant for the calculation of the insurance premiums a whole year.

Calendar-annual determination

This procedure is used by the majority of the private health insurers and to unite life insurers. To the determination of the entrance age birth year and current calendar year are brought in departure. With this method all Versicheurngsnehmer becomes accurately the turn of the year calculatory one year older and thus more expensive.

Date of birth with Karenz

With this method, which meets with approval particularly with life and inability to work insurers frequently, date of birth and desired beginning of insurance are set in relation: The insurant becomes only 6 months after his birthday around a calculatory year older.

The contribution comparison of insurance offers with biometric risks is meaningful only under of the entrance age, since the insurers use different methods and therefore depending upon beginning and date of birth also with same tariffs and conditions to a different calculation can come.

Articles in category "Entrance age"

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