council direct coordin law regul administr provis relat commun insur eec council european commun regard treati establish european econom commun articl thereof regard propos commiss regard opinion european parliament regard opinion econom social committe effect pursuit commun insur busi facilit minimum coordin order prevent distort competit inequ treatment affect freedom exist member state coordin cover insur oper econom import reason natur size liabl cover intern insur direct constitut step coordin oper carri virtu freedom provid servic coordin fact object propos council direct coordin law regul administr provis relat direct insur life assur lai provis facilit effect exercis freedom provid servic commiss forward council decemb lead insur insur assess claim fix minimum amount reserv outstand claim work progress wind insur undertak provis made stage ensur event wind beneficiari commun insur contract enjoi equal treatment beneficiari respect insur busi irrespect nation person special cooper provid commun insur field compet supervisori author member state author commiss practic misus purpos direct examin cooper adopt direct titl gener provis articl direct appli commun insur oper refer articl relat risk classifi point annex council direct juli coordin law regul administr provis relat take pursuit busi direct insur life assur hereinaft call quot coordin direct quot appli commun insur oper cover risk classifi point concern damag aris nuclear sourc medicin product exclus insur damag aris medicin product examin council year notif direct direct appli risk refer subparagraph paragraph reason natur size call particip insur coverag difficulti aris implement principl examin pursuant articl oj oj oj oj articl direct appli commun insur oper satisfi condit risk mean articl cover singl contract premium period insur undertak hereinaft refer quot insur quot part undertak lead insur risk situat commun purpos cover risk lead insur author accord condit laid coordin direct treat insur cover risk insur particip contract mean head offic agenc branch establish member state lead insur lead insur fulli assum leader role insur practic determin term condit insur rate insur oper satisfi condit set paragraph cover risk articl remain subject nation law oper time direct forc articl undertak head offic member state subject satisfi requir coordin direct particip commun insur made subject provis direct titl ii condit procedur commun insur articl amount technic reserv determin insur rule fix member state establish absenc rule customari practic state reserv outstand claim equal determin lead insur rule practic state insur establish technic reserv establish insur repres match asset relax match asset rule grant member state insur establish order account requir sound manag insur undertak asset local member state insur establish member state lead insur establish whichev insur choos articl member state ensur insur establish territori statist data show extent commun insur oper countri concern articl supervisori author member state cooper close implement direct provid inform end articl event insur undertak wound liabil aris particip commun insur contract met aris undertak insur contract distinct nation insur beneficiari titl iii final provis articl commiss compet author member state cooper close purpos examin difficulti aris implement direct cooper examin practic purpos provis direct articl articl misus lead insur assum leader role insur practic risk requir particip insur coverag articl commiss submit council year notif direct report develop commun insur articl member state amend nation provis compli direct month notif immedi inform commiss thereof provis amend appli month notif articl notif direct member state ensur text main provis law regul administr measur adopt field cover direct commun commiss articl direct address member state brussel council presid nørgaard