Question ID: 1731
Regulation Reference: (EU) No 2015/2013 - standard deviations in relation to health risk equalisation systems
Article: 147
Status: Final
Date of submission: 02 Apr 2019
Question
If one company has contracts for “Accident” (1 classification of risks according to classes of insurance from the DIRECTIVE 2009/138/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2009 page 116) and not “Sickness” (2 classification) and the contracts have coverages both for income protection and medical expenses, in which category must put the premiums and the reserve to calculate the health risk; In Medical expenses category, in income protection category or to split the premiums and the reserve separately for each category;
Also, in this case, there is health cat risk, or not (because the contracts "Accident" are on 1 classification and not in 2 classification)?
EIOPA answer
The allocation to segments for the purpose of Article 147 of Commission Delegated Regulation (EU) 2015/35 should follow the allocation as set out in Article 55 therein.
The scope of the mass accident, accident concentration and pandemic risk sub-modules of the Health catastrophe risk sub-module is set out in Article 160(2) of Commission Delegated Regulation (EU) 2015/35.