Reinsurance via the B+B risk pool
The B+B risk pool combines several pension schemes. The resulting high number of insured means lower reinsurance premiums for members.
The cost of risk premiums for death and disability is determined not only by the biometric traits but also by the number of insured under a pension scheme. This means that the more people are insured, the smaller the deviation from the anticipated claims – and the lower the risk premium. The B+B risk pool therefore combines several pension schemes to form one single risk pool.
The B+B risk pool currently unites pension schemes with a total of over 30,000 insured. The pool insurer’s overall premium volume stands at over CHF 12 million.
B+B risk pool – your benefits at a glance
The B+B risk pool offers its members numerous advantages in the area of reinsurance:
- Low risk and administration premiums, thanks to large numbers of insured
- Accumulation of risk reserves is no longer necessary, thanks to matching reinsurance
- Reduction in administrative outlay, thanks to comprehensive risk and claims management (consulting, case management, information)
- Share in the B+B risk pool surplus
B+B risk pool – efficient organization
Thanks to efficient and simple organization, responsibilities within the B+B risk pool are clearly governed.
Each member concludes a reinsurance contract with the pool insurer to cover the risks of death and disability. In the pool contract between the pool insurer and B+B Vorsorge AG, the specific details concerning reinsurance, the reimbursement of surpluses and management activities are governed by B+B Vorsorge AG. The pension scheme concludes a brokerage contract with B+B Vorsorge for management of the B+B risk pool.
B+B risk pool brochure (in German)