Bruttoprämie

Bruttoprämie refers to the total premium amount before any deductions or discounts are applied. It represents the full cost of an insurance policy or contract as initially calculated by the insurer. This figure includes all components of the premium, such as the risk premium, administrative costs, and profit margin, as well as any applicable taxes and surcharges.

In the context of insurance, the bruttoprämie is the amount a policyholder agrees to pay for coverage. However, the actual amount paid might differ due to various factors. For example, in some life insurance policies, a portion of the bruttoprämie may be allocated to a savings or investment component, which can grow over time. Similarly, discounts for things like no-claims bonuses, combined policies, or specific risk-reducing measures can lead to a lower net premium.

The bruttoprämie serves as the basis for all subsequent calculations. It is important for consumers to understand the distinction between bruttoprämie and nettoprämie, which is the amount actually paid by the policyholder after deductions. Insurers are required to clearly disclose both figures to their clients, along with a breakdown of how the bruttoprämie is composed. This transparency allows policyholders to make informed decisions about their insurance coverage.