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## Rulebook search (652)

RSS### Article 94 - Simplified calculation of the capital requirement for life-expense risk

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for life-expense risk as follows: SCR_expense + 0,1 * EI * n + EI * ((1/(i+0,01)^n - 1) - 1/i (( 1+ i)^n -1 ))where: (a) EI denotes the amount of expenses incurred in servicing life...

### Article 95 - Simplified calculation of the capital requirement for permanent changes in lapse rates

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for the risk of a permanent increase in lapse rates as follows: Lapse_up = 0,5 * l_up *n_up * S_upwhere:(a) l up denotes the higher of the average lapse rate of the policies with...

### Article 95a - Simplified calculation of the capital requirement for risks in the life lapse risk sub-module

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate each of the following capital requirements on the basis of groups of policies, provided that the grouping complies with the requirements laid down in points (a), (b) and (c) of Article 35: (a) the capital...

### Article 96 - Simplified calculation of the capital requirement for life-catastrophe risk

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for life-catastrophe risk calculated as follows: SCR_life-catastrophe = sum_i 0,0015 * CAR_iwhere: (a) the sum includes all policies with a positive capital at risk; (b) CAR i denotes...

### Article 96a - Simplified calculation for discontinuance of insurance policies in the NSLT health lapse risk sub-module

For the purposes of point (a) of Article 150(1), where Article 88 is complied with, insurance and reinsurance undertakings may determine the insurance policies for which discontinuance would result in an increase of technical provisions without the risk margin on the basis of groups of policies...

### Article 97 - Simplified calculation of the capital requirement for health mortality risk

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for health mortality risk as follows: SCR_health-mortality = 0,15 * q * sum^n _k=1 CAR_k * ((1-q)^(k-1))/((1+i_k)^(k-0,5))where with respect to insurance and reinsurance policies with a...

### Article 98 - Simplified calculation of the capital requirement for health longevity risk

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for health longevity risk as follows: SCR_health-longevity = 0,2 * q * n * 1,1^((n-2)/2) * BE_longwhere, with respect to the policies referred to in Article 138(2): (a) q denotes the...

### Article 99 - Simplified calculation of the capital requirement for medical expense disability-morbidity risk

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for medical expense disability-morbidity risk as follows: SCR_medical expense = 0,05 * MP * n + MP * (((1/(i+0,01))^n - 1) - 1/i ((1+i)^n - 1))where:(a) MP denotes the amount of medical...

### Article 100 - Simplified calculation of the capital requirement for income protection disability-morbidity risk

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for income protection disability-morbidity risk as follows: SCR_income-protection-disability-morbidity = [ 0,35 * CAR_1 * d_1+ 0,25 * 1,1 ^((n-3)/2) * (n-1) * CAR_2 * d_2 + 0,2 * 1,1 ^(...

### Article 101 - Simplified calculation of the capital requirement for health expense risk

Where Article 88 is complied with, insurance and reinsurance undertakings may calculate the capital requirement for health expense risk as follows: SCR_health-expense = 0,1 * EI * n + EI * ((1/(i+0,01)^n) - 1) - 1/i ((1+i)^n - 1))where:(1) EI denotes the amount of expenses incurred in servicing...