Discriminación por Razón de Sexo y Prima del Contrato de Seguro Apuntes Críticos a la Sentencia del Tribunal de Justicia de la Unión Europea (Gran Sala), de 1 de Marzo de 2011, en el Asunto C-236/09 - Association Belge Des Consommateurs Test-Achats ASBL Y Otros Contra Conseil Des Ministres (Gender Discrimination and Insurance Premium: A Critical Assessment of the ECJ Judgment of 1 March 2011 in Case C-236/09 - Association Belge des Consommateurs Test-Achats ASBL and others v. Conseil des Ministres)

Abstract:     
The recent Judgment of the European Court of Justice (Grand Chamber) of 1 March 2011, in case C-236/09 (Association Belge des Consommateurs Test-Achats ASBL and others v. Conseil des Ministres) imposes an absolute rejection of the use of sex as a determining factor in the assessment of risk and the setting of individuals' premiums and benefits in private insurance contracts. In the view of the authors, the Judgment constitutes an undesirable development in the acquis of EU anti-discrimination law and, most certainly, in the technical regulation of insurance mechanisms. After setting the analytical grounds on the basis of some general considerations regarding the definition and delineation of the insured risk (or aleas), its assessment and evaluation (even by indirect means) thorough statistical methods, the authors clearly criticise the ECJ Judgment of 1 March 2011 and advocate for and justify the capital importance of the use of sex as a determining factor in the assessment of risk and the setting of individuals' premiums and benefits in private insurance contracts.

Note: Downloadable document is in Spanish.

Number of Pages in PDF File: 30

Keywords: Use of gender differences for pricing, insurance contract premium

JEL Classification: K10

Accepted Paper Series