bruttopremie

Bruttopremie refers to the gross premium, which is the total amount of premium an insurance company calculates and charges for a policy before any deductions or adjustments. It represents the initial price of insurance coverage. This figure includes all anticipated costs, such as the expected claims payouts, administrative expenses, and the insurer's profit margin.

The bruttopremie is the starting point for premium calculation. Insurance companies use actuarial data and risk assessment to determine this amount, aiming to ensure they collect enough to cover their liabilities and operate profitably. It is important to distinguish bruttopremie from nettremie, or net premium. The nettremie is the portion of the bruttopremie that specifically covers the expected claims.

The difference between the bruttopremie and the nettremie accounts for additional factors. These include the insurer's operating costs, such as marketing, salaries, and claims handling, as well as a provision for potential unforeseen events or a profit margin. Therefore, bruttopremie is a comprehensive figure that reflects the total cost of providing the insurance service. In some contexts, especially in health insurance, bruttopremie might also be referred to as the list price of the premium.