Net interest and investment portfolio in private health insurance
The criterion for assessing success and prospects
Net interest is calculated from all income and expenses from investments. For assessing the investment success of a private health insurance company, "net interest" is the decisive interest criterion. This also takes into account extraordinary income, such as gains or losses from the liquidation of investments.
The higher the net interest rate, the higher the direct credit to the insured, which also limits the increase in premiums in old age. The interest rate is particularly important for insured persons' age reserves, so premiums remain affordable in old age - the more successful the investment, the greater the scope for maintaining premium stability.
The level of investments is a criterion for stability through size. Those who have a lot of capital can also finance future tasks more securely and thus fulfill their obligations to customers in the long term. A lot of capital also means more options in terms of investment and risk diversification.
NET INTEREST AND CAPITAL INVESTMENTS
Investments are shown in thousands of euros
| Private health insurance | Investments in thousand euros | Net interest on capital |
|---|---|---|
|
6.472.038 € | 4.4 % |
|
33.300.424 € | 3.2 % |
|
8.566.364 € | 3.2 % |
|
27.605.400 € | 2.9 % |
|
24.598.353 € | 2.6 % |
|
6.200.576 € | 2.6 % |
|
19.153.787 € | 2.5 % |
|
13.587.217 € | 2.4 % |
|
14.737.274 € | 2.4 % |
|
8.286.663 € | 2.4 % |
|
54.015.784 € | 2.3 % |
|
11.265.226 € | 2.3 % |
|
3.433.818 € | 2.2 % |
|
7.781.923 € | 2.2 % |
|
3.894.285 € | 2.1 % |
|
424.449 € | 1.9 % |
|
1.657.000 € | 1.9 % |
|
2.822.298 € | 1.7 % |
|
12.647.575 € | 1.7 % |
|
6.121.418 € | 1.6 % |
|
412.600 € | 1.5 % |
|
33.948 € | 1.4 % |
|
47.123.559 € | 1.4 % |
|
|
9.847.455 € | 1.4 % |
|
18.580 € | 1.4 % |
|
1.448.234 € | 1.4 % |
|
477.067 € | 1.3 % |
|
5.282.807 € | 1.2 % |
|
141.592 € | 1 % |
|
8.584.586 € | 0.5 % |
|
175.091 € | 0.2 % |
|
850.742 € | -0.1 % |