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- Title
EQUAL TREATMENT DIRECTIVE MISUNDERSTANDS RISK AND THREATENS INSURANCE MARKETS.
- Authors
MacDonnell, Paul
- Abstract
The Equal Treatment Directive, which will come into force on 21 December 2007, aims to outlaw‘discrimination’ between men and women in the calculation of insurance premiums, is founded upon a fallacious understanding of the nature of actuarial calculations and the morality of‘discriminatory’ calculations where state provision of insurance has traditionally been‘non-discriminatory’. The Equal Treatment Directive will have perverse consequences contrary to the aims of its creators– benefiting the better-off at the expense of the poor and, in some circumstances, men at the expense of women– and will also threaten the private provision of pensions and healthcare essential to solving the looming pensions and healthcare funding crisis among EU member states.
- Subjects
SEX discrimination; SEX discrimination in insurance; DISCRIMINATION (Sociology); INSURANCE premiums; INSURANCE; MEDICAL care; SEX discrimination laws
- Publication
Economic Affairs, 2005, Vol 25, Issue 1, p48
- ISSN
0265-0665
- Publication type
Article
- DOI
10.1111/j.1468-0270.2005.00539.x