by Alban Senn, Mathias Orban and Marvin Schneller
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Dr. Alban SENN is Chief Medical Officer and Head of Medical R&D (Life/Health) at Munich Re and specialist in internal and intensive care medicine. |
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Prof. Mathias ORBAN is Senior Medical Consultant; a cardiology and intensive care specialist focused on disability risk research | ||
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Marvin SCHNELLER is an actuary and data-driven client manager specializing in disability insurance and digitalization |
In disability insurance, the stricter the benefit triggers, the lower the risk of losses and the price of the cover. But what about any medical risk loadings? Should these automatically be more favourable for products with stricter benefit triggers? Munich Re’s new recommendation is that they should not.
This article was published in The European Actuary No. 45 – March 2026
