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They also started charging more for insuring in flood-prone areas, as technological improvements in modelling storms and forecasting flood risk helped them target risk.
The F.H.A. also predicts that the years ahead will bring fewer losses because the larger loans that it began insuring in 2008 are better performers.
Instead, argues Crayford, people need to take an overall view of how to best protect themselves generally, including against the possibility of unemployment, rather than insuring in bits and pieces.
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The data used were reimbursed claims for veterinary care insurance or life insurance claims or both in cats insured in a Swedish insurance database from 1999 to 2006.
An extensive, population based dataset focussing on all persons insured in statutory health insurance funds (approximately 90% of the German population) was used to answer this question.
The question is whether the mobility of the insured in the new health insurance system will lead to insurers improving the quality of care offered.
All included patients needed to be continuously insured in the specific health insurance fund between the years 2005-2008.
Furthermore, the revenues are dependent on the structure of the labour force as most employees are compulsory insured in the statutory health insurance.
The ASHIP covers all patients who are insured in the statutory health insurance (SHI) in Germany.
This specialty in the member structure of the GEK might limit the generalization of the results for all patients insured in the statutory health insurance in Germany.
In total, about 90% of the German population is insured in one of several statutory health insurance companies.
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