Beitragsdynamik
Beitragsdynamik refers to the automatic adjustment of insurance premiums or pension contributions over time. This mechanism is designed to account for inflation and potential changes in the insured risk or expected returns. In many insurance policies, particularly life and health insurance, Beitragsdynamik ensures that the sum insured or the coverage benefit keeps pace with rising costs, preventing a decline in real value. For instance, if a policy has a built-in Beitragsdynamik, the premium and the coverage amount might increase by a predetermined percentage each year, often linked to a consumer price index.
Similarly, in pension schemes, particularly occupational pensions, Beitragsdynamik can apply to both contributions and benefits. Contributions