Regulatory Alerts2015-12-03
Added · Updated
Volume measure for the solvency capital requirement for current premium risk of health insurers
Article 147 of the Solvency II Commission Delegated Regulation establishes the volume measure for the solvency capital requirement (SCR) for current premium risk for health insurers. For one-year health insurance contracts, this measure equals the premiums to be earned over the following 12 months, including expected renewals and new production premiums covering that period. If the estimated future premiums are lower than the premiums earned in the past 12 months, the past 12 months' earned premiums serve as the volume measure instead.
Base law
Richtlijn 2009/138/EG (Refers to an external site)
Q&A
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Question:
How is the volume measure for the SCR for current premium risk determined for health insurers under Solvency II?
Published: 03 December 2015
Answer:
The volume measure for the SCR for current premium risk has been laid down in Article 147 of the Solvency II Commission Delegated Regulation. For one-year health insurances the volume measure is equal to the premiums to be earned during the following 12 months from the existing portfolio and the expected renewals in the coming calendar year. Premiums yet to be earned from new production are also included in this. These comprise all premium payments related to the insurance contracts covering the following 12 months, irrespective of the timing of their receipt.
If the estimate of premiums to be earned in the next 12 months is lower than the observed premiums earned in the past 12 months, the premiums earned in the past 12 months will serve as the volume measure.
Base law
Richtlijn 2009/138/EG (Refers to an external site)
Aanvulling van Richtlijn 2009/138/EG (Refers to an external site)
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Base law
Richtlijn 2009/138/EG (Refers to an external site)
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