Beyond public support

A limited role for private insurance so far

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In Germany, besides mandated and supplemental health insurance products, the life insurance industry has also developed Long Term Care insurance products. The annuity model has become prevalent, just as in other European life insurance markets. Private LTC insurance premium depends solely on the issue age (in particular, it cannot depend on gender) and is capped at the maximum public insurance premium. In Spain, several products and benefit types have emerged; benefits may take the form of a lump sum and/or temporary or lifetime income. Nevertheless, and despite the efforts made, penetration ...

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Banque et Stratégie Nº352