Versicherungstechnik und -mathematik

Versicherungstechnik und -mathematik Insights

  • Zukunft von InsurTech in Deutschland

    Zukunft von InsurTech in Deutschland

    Sie sind gekommen, um zu bleiben: InsurTechs. Die digital agierenden Finanzdienstleister, oft mit nur wenigen Leuten im Hinterhof gestartet, sorgen für einen immensen Innovationsschub im Versicherungsgeschäft. Mal geht es um situative Versicherungen, mal um einen Community-basierten Ansatz. Das alles funktioniert ganz locker per Smartphone und trifft den Zeitgeist junger, moderner Großstädte...

  • Versicherung 2025

    Versicherung 2025

    Die Versicherungsindustrie hat in den vergangenen Jahrzehnten immer wieder Phasen des Wandels durchlaufen. Doch noch nie war das Thema Wandel so akut wie heute. Die Ursachen sind vielfältig: Niedrigzinsumfeld und Solvency II, Digitalisierung und neue Customer Journeys, Kostendruck und neue Marktteilnehmer – um nur einige zu nennen.

    Den wachsenden Veränderungsdruck greifen die Versiche...

  • HHS 2016 Notice of Benefit and Payment Parameters

    HHS 2016 Notice of Benefit and Payment Parameters

    On November 26, 2014 the Department of Health and Human Services published its Draft Notice of Benefit and Payment Parameters for 2016. The notice contains rules and parameters that would apply to the individual and small group health insurance markets in 2016, and modifications to previously promulgated rules. This document represents a summary of our health actuaries' interpretation of the...

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    Getting the Most Out of AXIS

    In the first of a series of AXIS modeling newsletters, Oliver Wyman’s Consulting Actuaries explore trends in the insurance industry and relate them to the features and modeling capabilities of the AXIS actuarial modeling system, with insights accessible to everyone from insurance company executives to technical modeling staff.

    This newsletter features:

    • An introduction to ...
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    2014 Insurance Risk Benchmarks Report: Annual Statistical Review

    The 2014 Insurance Risk Benchmarks Research: Annual Statistical Review is the first in a two-part series detailing research executed in collaboration with Columbia University. This, the fourth annual report, provides detailed analysis and insight on the property/casualty industry to help insurers strategically evaluate and benchmark inputs to economic capital models.   ...

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    Advanced Premium Tax Credits, Rate Changes, and the Impact on the Individual Exchange Market

    A significant share of enrollees covered through the individual Marketplaces qualified for Advanced Premium Tax Credits (APTCs or Premium Subsidies). For these individuals, their net contribution is determined by their household composition, income, and the cost of the 2nd lowest silver plan that they are eligible for. Due to market dynamics and the leveraging impact of subsidies,...

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    Fixed Indexed Annuities: Recap...and What's Next?

    Growing sales and a flurry of M&A deals have put a brightening spotlight on fixed indexed annuities (FIA). From 2007 to 2013, despite near-record low interest rates, FIA annual sales growth averaged nearly 8% and their share of the overall annuity market grew from 9.7% to 17.1% (source: LIMRA). Also drawing attention were the numerous M&A deals that have taken place in the last sever...

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    Risk Adjustment Arrives for Commercial Health Insurance

    Health & Human Services’ new risk adjustment program for small-group and individual health insurers will partly protect carriers from some of the cost of adverse selection. But our actuarial analysis shows that the program also creates new risks. It tends to overpay for high-risk patients and underpay for low-risk. The cost to an insurer with even five percent fewer high-risk members tha...

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    Impact of the Elimination of Preferred Pharmacy Networks on the Medicare Part D Program

    On January 10, 2014, CMS published proposed rules to regulate the Medicare Advantage and Medicare Prescription Drug Benefit (Part D) programs. The health plans and pharmacy benefit managers (PBMs) that are responsible for designing and managing Part D plans have concerns that these rules will adversely affect the ability to develop preferred pharmacy networks. This is important to both Part ...

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    Carrier Trend Report - January 2014

    Oliver Wyman developed the Carrier Trend Survey in order to conduct market research in the health insurance and HMO industry. Specific individual carrier or HMO responses are held in strict confidence.

    This report summarizes the January 2014 trends from the survey that Oliver Wyman sent to healthcare carriers in December 2013. We intend this report to be of use to carriers, brokers, s...

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    HHS 2015 Notice of Benefit and Payment Parameters Final Rule Summary

    On March 11, 2014, the Department of Health and Human Services published its Final Notice of Benefit and Payment Parameters for 2015. The notice contains rules and parameters that will apply to the individual and small group health insurance markets

    in 2015, and modifications to previously promulgated rules for calendar year 2014. This document represents a summary of our interpr...

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    Medicare Advantage Plan Payments

    Whether a Medicare Advantage plan is just beginning operations or has participated in the market for years, it is critically important to understand how Medicare Advantage plans are paid.  This allows a Medicare Advantage plan to appropriately monitor and segment their financial performance, and identifies areas where the plan may potentially work to increase revenue.  This report ...