agreement european econom commun swiss confeder direct insur life assur content agreement european econom commun swiss confeder direct insur life assur princip agreement preambl section basic provis articl section ii condit govern admiss articl section iii condit govern pursuit busi articl section iv withdraw author articl section collabor supervisori author articl section vi gener final provis articl signatur annex class insur subject agreement annex kind insur oper undertak subject agreement annex list accept legal form annex provis member state commun annex method calcul equal reserv credit insur class condit govern exempt oblig set reserv protocol solvenc margin protocol scheme oper protocol relationship ecu swiss franc protocol agenc branch undertak head offic situat territori agreement appli exchang letter principl discrimin exchang letter scope author exchang letter author agent exchang letter assign swiss secur fund immov properti directli own insur undertak exchang letter principl govern invest exchang letter swiss list class insur exchang letter capit insur undertak exchang letter transit arrang assist exchang letter transit arrang larg risk refer paragraph protocol joint declar contract parti period date signatur date entri forc agreement final act preambl european econom commun part swiss confeder part close relat exist switzerland commun desir avail occas offer establish unifi commun insur market consolid exist econom relat parti field promot fair condit competit harmoni develop relat ensur protect insur person resolv end remov obstacl take pursuit busi direct insur life assur reciproc discriminatori basi safeguard legal condit respect supervis introduc freedom establish field emphas affect power legisl subject limit set public intern law endeavour power domest legal order field evolv mutual compat manner observ interest economi develop strengthen relat field govern contractu rule contribut coordin econom law parti declar readi light relev factor evolut commun insur law possibl conclud agreement respect privat insur agre pursuit aim conclud present agreement end design plenipotentiari european econom commun mr edith cresson minist european affair presid offic council european commun sir leon brittan vice presid commiss european commun swiss confeder mr jean pascal delamuraz presid swiss confeder head feder depart public economi mr franz blankart state secretari director feder offic foreign econom affair exchang full power found good due form agre section basic provis articl object agreement object agreement lai reciproc basi condit suffici enabl agenc branch undertak head offic situat territori contract parti establish territori contract parti establish pursu emploi activ direct insur life assur articl scope class insur subject agreement set annex articl except scope kind insur oper undertak subject agreement list annex articl applic domest law law forc contract parti appli point govern agreement question relat point govern agreement question regul agreement articl principl discrimin contract parti undertak appli principl discrimin introduc appli provis agreement articl supervisori author purpos agreement supervisori author case commun compet author member state territori head offic undertak situat territori agenc branch take pursu busi direct insur section ii condit govern admiss articl compulsori author contract parti make take busi direct insur territori undertak establish head offic subject author supervisori author contract parti make open territori agenc branch undertak head offic situat territori contract parti subject author supervisori author addit make open territori agenc branch undertak head offic situat territori agreement appli laid articl subject author supervisori author articl scope author author valid cover risk situat entir territori supervisori author grant author compet legisl applic permit applic seek permiss carri busi part territori risk situat territori supervisori author compet case insur relat build build content content cover insur polici properti situat territori case insur relat vehicl type vehicl regist territori case polici durat month cover travel holidai risk class concern polici holder polici territori case explicitli cover forego indent polici holder habitu resid territori polici holder legal person establish contract relat situat territori author grant respect class insur cover entir class applic wish cover part risk pertain class classifi part annex open supervisori author grant author group class classifi part annex provid attach author denomin author grant class group class valid purpos cover ancillari risk includ class condit part annex fulfil articl legal form legal form assum undertak head offic situat territori contract parti list annex articl condit author contract parti requir undertak head offic situat territori contract parti seek author open territori agenc branch satisfi condit submit statut list director manag produc certif issu supervisori author contract parti territori head offic situat attest applic undertak constitut legal form list annex applic undertak limit busi activ busi insur oper directli aris therefrom exclus commerci busi class insur undertak entitl transact possess minimum guarante fund refer paragraph protocol minimum solvenc margin calcul accord paragraph protocol minimum solvenc margin higher minimum guarante fund risk cover exist financi resourc refer paragraph protocol submit scheme oper drawn accord protocol accompani balanc sheet profit loss account undertak past financi year undertak exist fewer financi year submit document financi year close undertak creat result merger exist undertak undertak creat exist undertak purpos transact specif class insur previous pursu undertak question design author agent perman resid abod territori supervisori author contract parti question compet possess suffici power bind undertak relat parti repres relat author court contract parti legal provis contract parti permit author agent legal person head offic territori contract parti turn design natur person repres satisfi condit agreement prevent contract parti enforc provis requir insur undertak time grant author approv gener special polici condit scale premium document normal exercis supervis regard risk refer paragraph protocol contract parti lai provis requir approv systemat notif gener special polici condit scale premium form print document undertak intend deal polici holder requir systemat notif condit document purpos verifi complianc law regul administr provis respect risk requir constitut prior condit undertak carri activ purpos agreement gener special polici condit includ specif condit intend meet individu case circumst risk cover agreement likewis prevent contract parti subject undertak request author class part annex check direct indirect resourc staff equip includ qualif medic team qualiti equip undertak meet commit aris class insur articl grant author contract parti undertak grant author provid condit laid articl met provid provis govern undertak head offic territori observ contract parti make author subject lodg deposit provis secur contract parti undertak applic author examin light econom requir market design author agent challeng supervisori author ground relat good reput technic qualif articl extens scope author contract parti make extens busi initi author grant pursuant articl subject author contract parti requir purpos extend busi agenc branch class circumst refer paragraph applic author submit scheme oper accord protocol produc certif refer paragraph articl author procedur author sought supervisori author undertak head offic situat territori contract parti scheme oper drawn accord protocol observ supervisori author respons grant author forward supervisori author contract parti territori head offic situat make opinion month receipt document opinion receiv expiri period deem favour supervisori author author sought forward applic undertak decis applic month receipt applic author articl refus author decis refus author accompani ground base notifi undertak question contract parti make provis recours court event refus author provis made regard case supervisori author decis applic author expiri period month date receipt section iii condit govern pursuit busi articl choic asset contract parti prescrib rule choic asset excess repres technic reserv refer articl subject provis paragraph articl paragraph contract parti restrict free dispos movabl immov properti form part asset undertak articl establish solvenc margin contract parti requir undertak head offic situat territori establish adequ solvenc margin respect entir busi definit solvenc margin manner calcul repres minimum guarante fund fix set protocol articl verif state solvenc supervisori author contract parti territori head offic undertak situat verifi state solvenc undertak respect entir busi supervisori author contract parti grant undertak author open agenc branch provid abovement author inform enabl verif carri contract parti requir undertak head offic situat territori produc annual account cover transact situat solvenc cover risk list class part annex resourc meet liabil law provid supervis resourc articl restor financi situat purpos restor financi situat undertak solvenc margin fallen minimum requir paragraph protocol supervisori author contract parti territori head offic situat requir plan restor sound financi situat submit approv solvenc margin fall guarante fund defin articl protocol supervisori author contract parti territori head offic undertak situat requir submit short term financ plan approv restrict prohibit free dispos asset undertak inform supervisori author contract parti territori author agenc branch undertak situat measur request author author measur supervisori author measur safeguard interest insur person situat envisag paragraph aris articl establish technic reserv contract parti territori undertak carri busi requir undertak establish suffici technic reserv amount reserv determin accord rule laid contract parti absenc rule accord establish practic contract parti contract parti requir undertak establish territori underwrit risk list class part annex credit insur set equal reserv purpos offset technic deficit averag claim ratio aris class financi year method calcul equal reserv condit govern exempt oblig make reserv set annex equal reserv calcul rule laid contract parti accord method set annex regard equival amount calcul accord method equal reserv disregard purpos calcul solvenc margin undertak make supervisori author account show technic result technic reserv relat busi articl match asset local asset constitut technic reserv technic reserv repres equival match asset local territori supervisori author contract parti compet contract parti permit relax rule match asset local asset match asset mean represent underwrit liabil express currenc asset express realiz currenc local asset mean exist movabl immov asset territori supervisori author contract parti concern compet constru involv requir movabl properti deposit immov properti made subject restrict measur registr mortgag asset repres claim debtor regard local territori supervisori author contract parti realiz compet subject local govern respect rule forc contract parti articl natur technic reserv rule forc contract parti territori undertak pursu busi determin natur asset extent purpos repres technic reserv determin rule valu asset express natur asset refer categori movabl immov asset specif characterist relat debtor case claim form part represent technic reserv contract parti technic reserv repres claim insur fix percentag allow make provis fix case notwithstand provis paragraph requir asset repres claim local articl balanc sheet supervisori author contract parti territori head offic undertak situat verifi undertak balanc sheet show respect technic reserv asset equival underwrit liabil assum countri carri busi articl complianc requir relat technic reserv agenc branch compli provis laid articl supervisori author contract parti territori carri busi prohibit free dispos asset local territori inform supervisori author contract parti territori head offic situat intend action supervisori author contract parti territori agenc branch carri busi measur safeguard interest insur person articl transfer portfolio condit laid legal provis forc contract parti question supervisori author author undertak establish territori respons transfer part portfolio contract accept offic establish territori transfer undertak supervisori author contract parti territori head offic accept offic situat certifi possess margin solvenc take transfer account transfer author accord paragraph publish territori supervisori author contract parti transfer undertak accept offic establish compet condit laid legal provis forc contract parti question transfer automat valid polici holder insur person person right oblig aris contract transfer paragraph preclud exist contract parti provis provid polici holder option cancel contract period transfer articl approv condit scale premium agreement prevent contract parti enforc provis requir undertak respect class insur pursuit busi approv gener special polici condit scale premium document normal exercis supervis regard risk refer paragraph protocol contract parti lai provis requir approv systemat notif gener special polici condit scale premium form print document undertak intend deal polici holder requir systemat notif condit document purpos verifi complianc law regul administr provis respect risk regard risk contract parti retain introduc prior notif approv propos increas scale premium part gener price control system agreement likewis prevent contract parti subject undertak obtain author class part annex check direct indirect resourc staff equip includ qualif medic team qualiti equip undertak meet commit aris class insur purpos agreement gener special polici condit includ specif condit intend meet individu case circumst risk cover articl document contract parti requir undertak carri busi territori produc document includ statist document exercis supervis cover risk list class part annex resourc meet liabil law provid supervis resourc section iv withdraw author articl withdraw condit supervisori author contract parti withdraw undertak head offic situat territori contract parti author grant open agenc branch agenc branch longer fulfil condit admiss fail fulfil oblig rule applic respect establish technic reserv articl withdraw procedur withdraw author supervisori author consult supervisori author contract parti territori head offic undertak situat author deem suspend busi agenc branch refer articl consult conclud immedi advis author thereof decis withdraw author order suspens busi state reason base notifi undertak question contract parti make provis recours court decis articl withdraw author grant head offic supervisori author contract parti territori head offic situat withdraw author grant undertak notifi action supervisori author contract parti grant undertak author open agenc branch author withdraw author case refer paragraph supervisori author contract parti territori head offic situat conjunct supervisori author contract parti measur safeguard interest insur person restrict free dispos asset undertak measur pursuant paragraph articl paragraph relev likewis appli undertak surrend accord author grant section collabor supervisori author articl condit collabor contract parti measur enabl supervisori author collabor close implement agreement articl object collabor supervisori author collabor verifi provis undertak financi guarante defin articl appli measur provid articl undertak question author cover risk list class part annex supervisori author collabor supervis resourc undertak carri assist oper undertaken perform law provid supervis resourc articl exchang inform supervisori author furnish document inform exercis supervis articl requir secreci articl circumst interpret requir supervisori author furnish inform disclos commerci secret undertak inform commun contrari public polici secreci rule supervisori author subject hinder collabor author mutual assist provid agreement inform exchang author sole purpos carri supervisori duti section vi gener final provis articl provis undertak countri provis applic member state commun set annex provis applic agenc branch undertak head offic situat territori agreement appli pursuant articl thereof set protocol articl integr part agreement annex protocol exchang letter annex agreement form integr part thereof articl failur fulfil oblig contract parti refrain take measur jeopard attain object agreement gener special measur ensur fulfil oblig aris agreement contract parti consid contract parti fail fulfil oblig aris agreement procedur refer paragraph appli articl joint committe joint committe compos repres switzerland repres commun establish respons administr agreement proper implement take decis circumst provid decis mutual agreement purpos proper implement agreement contract parti exchang inform request parti hold consult joint committe exercis supervis refer section power joint committe adopt rule procedur joint committe chair turn contract parti accord detail arrang laid rule procedur request contract parti accord condit laid rule procedur conven chairman special circumst requir joint committe decid set work parti need assist carri task articl settlement disput disput aris contract parti oper agreement interpret implement disput resolv collabor supervisori author refer section joint committe refer articl contract parti consult diplomat channel resolv disput mean procedur provid paragraph refer request parti arbitr tribun consist member refer made tribun earliest period year refer joint committe refer articl parti agre jointli refer disput tribun end period parti appoint arbitr arbitr appoint appoint umpir nation switzerland member state commun contract parti appoint arbitr compli request made parti make appoint month arbitr appoint request parti presid intern court justic period month appoint arbitr unabl agre choic umpir appoint request parti presid intern court justic case provid paragraph presid intern court justic unabl act nation switzerland member state commun appoint made vice presid unabl act nation switzerland member state commun appoint made oldest member court nation switzerland member state commun save provid contract parti tribun lai rule procedur decis major vote decis tribun bind contract parti articl evolut domest legisl contract parti agreement prejudic contract parti subject complianc principl discrimin provis articl unilater amend domest legisl point regul agreement contract parti initi process adopt draft amend domest legisl condit take pursu mean establish activ direct insur life assur inform contract parti joint committe refer articl joint committe hold exchang view implic amend proper function agreement amend legisl adopt dai adopt latest contract parti concern notifi text provis contract parti order guarante legal certainti period month date adopt amend legisl laid contract parti concern implement amend legisl deviat provis agreement amend legisl subject procedur refer paragraph opinion contract parti deviat provis agreement refer joint committe joint committe meet latest week notif laid paragraph joint committe adopt decis revis provis agreement integr basi reciproc amend made legisl question long insur person guarante equival protect provid agreement adopt decis effect amend legisl question regard accord agreement decid measur safeguard proper function agreement decis joint committe publish offici compendium feder law recueil officiel de loi fédérale offici journal european commun decis state date implement contract parti inform concern econom oper decis submit ratif approv contract parti accord procedur contract parti notifi complet formal expiri period provid paragraph notif place decis joint committe implement provision pend ratif approv contract parti contract parti notifi ratif approv decis joint committe paragraph appli mutati mutandi time notif joint committe reach agreement decis month date referr pursuant paragraph agreement regard end dai legisl question implement pursuant paragraph event provis articl applic provis paragraph appli mutati mutandi articl revis agreement contract parti wish agreement revis request contract parti open negoti end request made diplomat channel amend agreement enter forc accord procedur set articl amend annex protocol exchang letter annex agreement adopt joint committe refer articl determin date entri forc articl matter cover agreement contract parti consid interest contract parti develop relat establish agreement extend privat insur activ cover propos contract parti negoti open end agreement result negoti refer paragraph subject ratif approv contract parti accord procedur articl denunci contract parti denounc agreement time notifi contract parti effect agreement ceas forc month date notif event denunci contract parti jointli agre rule govern situat undertak obtain author accord paragraph absenc agreement expiri period month refer paragraph undertak made subject rule applic countri contract parti undertak author obtain accord paragraph withdrawn light econom requir market period year date agreement ceas forc articl territori scope agreement appli hand territori swiss confeder hand territori treati establish european econom commun appli condit laid treati articl entri forc agreement negoti french drawn duplic danish dutch english french german italian portugues spanish languag text equal authent agreement ratifi approv contract parti accord procedur agreement enter forc dai calendar year exchang instrument ratif approv condit exchang take place month date contract parti exchang instrument ratif approv jointli agre date entri forc agreement case date publish forthwith en fe de lo cual lo plenipotenciario abajo firmant suscriben el present acuerdo til bekræftels heraf har undertegned befuldmægtiged underskrevet denn aftal zu urkund dessen haben die unterzeichneten bevollmächtigten ihr unterschriften unter dies abkommen gesetzt wit whereof undersign plenipotentiari sign agreement en foi de quoi le plénipotentiair soussigné ont apposé leur signatur au ba du présent accord fede di che plenipotenziari sottoscritti hanno apposto le loro firm calc al present accordo ten blijk waarvan de ondergetekend gevolmachtigden hun handteken onder deze overeenkomst hebben gesteld em fé os plenipotenciário abaixo assinado apuseram sua assinatura final present acordo hecho en luxemburgo el diez de octubr de mil noveciento ochenta nuev udfærdiget luxembourg den tiend oktob nitten hundred og niogfir geschehen zu luxemburg zehnten oktob neunzehnhundertneunundachtzig luxembourg tenth dai octob year thousand hundr eighti fait luxembourg le dix octobr mil neuf cent quatr vingt neuf fatto lussemburgo addì dieci ottobr millenovecentottantanov gedaan te luxemburg de tiend oktob negentienhonderd negenentachtig feito luxemburgo em dez de outubro de mil novecento oitenta nove en nombr del consejo de la comunidad europea på vegn af rådet de europæisk fællesskab im namen de rate der europäischen gemeinschaften behalf council european commun au nom du conseil de communauté européenn nome del consiglio dell comunità europe namen de raad van de europes gemeenschappen em nome conselho da comunidad europeia por el gobierno de la confederación suiza regeringen schweiz für die regierung der schweizerischen eidgenossenschaft govern swiss confeder pour le gouvern de la confédérat suiss il governo della confederazion svizzera voor de reger van de zwitsers bondsstaat pelo governo da confederação suíça annex class insur subject agreement classif risk class insur accid includ industri injuri occup diseas fix pecuniari benefit benefit natur indemn combin injuri passeng sick fix pecuniari benefit benefit natur indemn combin land vehicl railwai roll stock damag loss land motor vehicl land vehicl motor vehicl railwai roll stock damag loss railwai roll stock aircraft damag loss aircraft ship sea lake river canal vessel damag loss river canal vessel lake vessel sea vessel good transit includ merchandis baggag good damag loss good transit baggag irrespect form transport fire natur forc damag loss properti properti includ class due fire explos storm natur forc storm nuclear energi land subsid damag properti damag loss properti properti includ class due hail frost event theft mention motor vehicl liabil liabil aris motor vehicl oper land includ carrier liabil aircraft liabil liabil aris aircraft includ carrier liabil liabil ship sea lake river canal vessel liabil aris ship vessel boat sea lake river canal includ carrier liabil gener liabil liabil form mention no credit insolv gener export credit instal credit mortgag agricultur credit suretyship suretyship direct suretyship indirect miscellan financi loss employ risk insuffici incom gener bad weather loss profit continu gener expens unforeseen trade expens loss market loss rent revenu indirect trade loss mention financi loss trade form financi loss legal expens legal expens cost litig tourist assist assist person difficulti travel home perman resid risk includ class includ class case refer part descript author grant simultan class insur author simultan cover class no name accid health insur class no fourth indent name motor insur class no fourth indent name marin transport insur class no fourth indent name aviat insur class no name insur fire damag properti class no name liabil insur class no name credit suretyship insur class name chosen contract parti question notifi contract parti choic ancillari risk undertak obtain author princip risk belong class group class insur risk includ class author connect princip risk concern object cover princip risk cover contract insur princip risk risk includ class regard risk ancillari class nonetheless risk includ class legal expens insur regard ancillari risk class condit laid subparagraph part annex fulfil main risk relat sole assist provid person fall difficulti travel home perman resid legal expens insur regard ancillari risk condit set subparagraph part annex concern disput risk aris connect sea vessel assist assist activ assist provid person difficulti travel home perman resid consist undertak prior payment premium make aid immedi beneficiari assist contract person difficulti occurr chanc event case condit set contract aid consist provis benefit cash kind provis benefi kind effect mean staff equip person provid assist activ cover servic mainten sale servic mere indic provis aid intermediari contract parti territori make provis assist person difficulti circumst refer subject arrang introduc agreement contract parti make possibl purpos appli arrang treat activ list class part annex prejudic part thereof affect possibl classif laid annex activ class refus author sought agenc branch undertak head offic situat territori contract parti sole ground activ cover point classifi differ contract parti territori head offic undertak situat annex kind insur oper undertak subject agreement kind insur exclud agreement appli life assur class insur compris assur surviv stipul ag assur death assur surviv stipul ag earlier death life assur return premium tontin marriag assur birth assur annuiti supplementari insur carri life assur undertak insur person injuri includ incapac employ insur death result accid insur disabl result accid sick kind insur underwritten addit life assur switzerland insur form part statutori system social secur insur written author undertak commun insur form part statutori system social secur type insur exist ireland unit kingdom perman health insur subject cancel oper exclud agreement appli capit redempt oper defin law contract parti oper provid mutual benefit institut benefit vari resourc contribut member determin flat rate basi oper carri organ legal person purpos provid mutual cover member payment premium constitut technic reserv export credit insur oper account guarante state state insur assist activ liabil limit oper provid event accid breakdown involv road vehicl occur territori supervisori author contract parti undertak provid cover establish compet spot breakdown servic undertak provid cover circumst staff equip convey vehicl nearest locat repair carri accompani mean assist driver passeng nearest locat continu journei mean provid provis forc territori supervisori author contract parti undertak provid cover establish compet convey vehicl possibl accompani driver passeng home point departur origin destin territori oper carri undertak subject agreement case refer indent condit accid breakdown happen territori supervisori author contract parti undertak provid cover establish compet appli bodi beneficiari member breakdown servic convey vehicl provid simpli present membership card addit premium paid similar bodi contract parti basi reciproc agreement preclud provis assist ireland unit kingdom singl bodi oper state circumst refer indent accid breakdown occur territori ireland case unit kingdom territori northern ireland vehicl possibl accompani driver passeng convei home point departur origin destin territori agreement concern assist oper carri occas accid breakdown road vehicl consist convei vehicl involv accid broken territori grand duchi luxembourg possibl accompani driver passeng home oper carri automobil club grand duchi luxembourg undertak subject agreement engag activ refer point receiv author class part annex prejudic part annex event agreement appli oper question exclus undertak occupi special posit agreement appli undertak fulfil condit undertak pursu activ fall scope agreement class part annex activ carri exclus local basi consist benefit kind total annual incom collect respect activ assist person difficulti exce ecu case undertak head offic situat switzerland undertak annual premium incom activ cover agreement exce sum million swiss franc date entri forc agreement activ extend swiss territori time satisfi condit subject rule agreement undertak longer reli except satisfi abovement condit case undertak head offic situat commun mutual associ fulfil condit articl associ provis call addit contribut reduc benefit busi cover liabil risk constitut ancillari cover mean part annex credit suretyship risk annual contribut incom activ cover agreement exce ecu million half contribut incom activ cover agreement person member mutual associ mutual associ conclud undertak natur agreement full reinsur insur contract conclud concessionari undertak meet liabil aris contract place cede undertak case concessionari undertak subject agreement exclus specif undertak agreement appli undertak list articl associ amend capac territori capac undertak refer regard modifi case merger divis undertak effect maintain benefit undertak undertak territori capac undertak divid undertak merg capac class insur regard modifi undertak take respect territori class undertak switzerland canton institut public law enjoi monopoli aargau aargauisch versicherungsamt aarau appenzel ausser roden brand und elementarschadenversicherung appenzel ar herisau basel land basellandschaftlich gebäudeversicherung liestal basel stadt gebäudeversicherung de kanton basel stadt basel bern bern gebäudeversicherung de kanton bern bern assur immobilièr du canton de bern bern fribourg freiburg etabliss canton assur de bâtiment du canton de fribourg fribourg kantonal gebäudeversicherungsanstalt freiburg freiburg glaru kantonal sachversicherung glaru glaru graubünden grigioni grischun gebäudeversicherungsanstalt de kanton graubünden chur istituto assicurazion fabbricati del canton dei grigioni coira institut dil cantun grischun assicuranza da baghetg cuera jura assur immobilièr de la républiqu canton du jura saignelégi luzern gebäudeversicherung de kanton luzern luzern neuchâtel etabliss canton assur immobilièr contr incendi neuchâtel nidwalden kantonal brandversicherungsanstalt nidwalden stan schaffhausen gebäudeversicherung de kanton schaffhausen schaffhausen solothurn solothurnisch gebäudeversicherung solothurn st gallen gebäudeversicherungsanstalt de kanton st gallen st gallen thurgau gebäudeversicherung de kanton thurgau frauenfeld vaud etabliss assur contr incendi le élément naturel du canton de vaud lausann zug gebäudeversicherung de kanton zug zug zürich gebäudeversicherung de kanton zürich zürich commun denmark falck redningskorp københavn germani institut public law enjoi monopoli monopolanstalten aa badisch gebäudeversicherungsanstalt karlsruh bb bayerisch landesbrandversicherungsanstalt münchen cc bayerisch landestierversicherungsanstalt schlachtviehversicherung münchen dd braunschweigisch landesbrandversicherungsanstalt braunschweig ee hamburg feuerkass hamburg ff hessisch brandversicherungsanstalt hessisch brandversicherungskamm darmstadt gg hessisch brandversicherungsanstalt kassel hh lippisch landesbrandversicherungsanstalt detmold ii nassauisch brandversicherungsanstalt wiesbaden jj oldenburgisch landesbrandkass oldenburg kk ostfriesisch landschaftlich brandkass aurich ll feuersozietät berlin berlin mm württembergisch gebäudebrandversicherungsanstalt stuttgart semi public institut nn postbeamtenkrankenkass oo krankenversorgung der bundesbahnbeamten spain public institut aa comisariá de seguro obligatorio de viajero bb consorcio de compensación de seguro cc fondo nacion de garantiá de riesgo de la circulación franc institut aa caiss départemental de incendié de ardenn bb caiss départemental de incendié de la côte cc caiss départemental de incendié de la marn dd caiss départemental de incendié de la meus ee caiss départemental de incendié de la somm ireland voluntari health insur board itali la cassa di previdenza assicurazion degli sportivi sportass unit kingdom crown agent annex list accept legal form undertak head offic situat territori contract parti constitut legal form list contract parti set undertak form govern public law provid institut object insur transact condit equival undertak govern privat law switzerland aktiengesellschaft société anonym società azioni genossenschaft coopér cooperativa commun belgium société anonym naamloz vennootschap société en commandit par action vennootschap bij wijz van geldschiet op aandelen associ assur mutuel onderling verzekeringsmaatschappij société coopér coöperatiev vennootschap denmark aktieselskab gensidig selskab germani aktiengesellschaft versicherungsverein auf gegenseitigkeit öffentlich rechtlich wettbewerb versicherungsunternehmen franc société anonym société form mutuel mutuel union de mutuel spain sociedad anónima sociedad mutua sociedad cooperativa greec ireland incorpor compani limit share guarante unlimit itali società azioni società cooperativa mutua di assicurazion luxembourg société anonym société en commandit par action associ assur mutuel société coopér netherland naamloz vennootschap onderling waarborgmaatschappij portug sociedad anónima mútua de seguro unit kingdom incorpor compani limit share guarante unlimit societi regist industri provid societi act societi regist friendli societi act associ underwrit lloyd annex provis member state commun derog provis agreement special provis appli member state commun denmark articl denmark retain forc legisl restrict free dispos asset built insur undertak cover pension payabl compulsori insur industri accid germani paragraph germani maintain provis prohibit simultan undertak territori health insur class articl germani maintain respect health insur mean paragraph protocol restrict impos free dispos asset free dispos asset cover mathemat reserv subject agreement treuhänder luxembourg paragraph luxembourg retain system guarante technic reserv exist time entri forc agreement unit kingdom paragraph regard associ underwrit lloyd submiss balanc sheet profit loss account replac compulsori present annual trade account cover insur oper accompani affidavit certifi auditor certif suppli respect insur show liabil incur result oper wholli cover asset document supervisori author form compar view state solvenc associ paragraph regard associ underwrit lloyd event litig host countri result underwritten commit insur person favour treat litig brought busi convent type author agent possess suffici power enabl proceed institut capac bind lloyd underwrit concern annex method calcul equal reserv credit insur class condit govern exempt oblig set reserv method method respect risk list class part annex credit insur undertak set equal reserv charg technic deficit aris class financi year reserv financi year receiv technic surplu aris credit insur busi subject limit net premium contribut reserv reach highest annual amount net premium contribut receiv previou financi year method respect risk list class part annex credit insur undertak set equal reserv charg technic deficit aris class financi year minimum amount equal reserv averag premium contribut receiv annual previou financi year subtract cession addit reinsur accept reserv success financi year receiv technic surplu aris class reserv equal minimum calcul accord point annex contract parti lai special rule calcul amount reserv amount annual levi excess minimum amount laid point annex method equal reserv form class part annex credit insur purpos offset averag claim ratio financi year class insur equal reserv calcul basi method set calcul relat incom expenditur insur account amount respect claim shortfal financi year equal reserv reach restor requir amount deem claim shortfal claim ratio financi year lower averag claim ratio refer period amount respect claim shortfal arriv multipli differ ratio earn premium financi year requir amount equal time standard deviat claim ratio refer period averag claim ratio multipli earn premium financi year claim financi year excess amount respect thereof equal reserv claim deem excess claim ratio financi year higher averag claim ratio amount respect excess claim arriv multipli differ ratio earn premium financi year irrespect claim experi requir amount equal reserv reserv financi year requir amount reach restor length refer period year year equal reserv form underwrit loss note refer period requir amount equal reserv amount reduc averag claim ratio refer period conjunct expens ratio show premium includ safeti margin method equal reserv form class part annex credit insur purpos offset averag claim ratio financi year class insur equal reserv calcul basi method set calcul relat incom expenditur insur account amount respect claim shortfal financi year equal reserv reach maximum requir amount deem claim shortfal claim ratio financi year lower averag claim ratio refer period amount respect claim shortfal arriv multipli differ ratio earn premium financi year maximum requir amount equal time standard deviat claim ratio refer period averag claim ratio multipli earn premium financi year claim financi year excess amount respect thereof equal reserv reach minimum requir amount claim deem excess claim ratio financi year higher averag claim ratio amount respect excess claim arriv multipli differ ratio earn premium financi year minimum requir amount equal time standard deviat claim ratio refer period averag claim ratio multipli earn premium financi year length refer period year year equal reserv form underwrit loss note refer period requir amount equal reserv amount amount reduc averag claim ratio refer period conjunct expens ratio show premium includ safeti margin safeti margin half time standard deviat claim ratio refer period case amount question multipli quotient half time standard deviat safeti margin exempt contract parti exempt head offic agenc branch oblig set equal reserv credit insur busi premium contribut receiv respect credit insur total premium contribut receiv ecu relationship ecu swiss franc procedur defin relationship purpos annex laid protocol protocol solvenc margin articl definit solvenc margin solvenc margin correspond asset undertak free forese liabil intang item consid paid share capit case mutual concern effect initi fund half share capit initi fund paid paid part reach capit fund reserv statutori reserv free reserv underwrit liabil carri forward profit case mutual mutual type associ variabl contribut claim member call supplementari contribut financi year half differ maximum contribut contribut call subject overrid limit margin request proof shown undertak agreement concern supervisori author contract parti territori undertak carri busi hidden reserv result estim asset estim liabil balanc sheet hidden reserv except natur estim technic reserv determin relat amount calcul undertak conform nation rule amount equival differ amount reserv outstand risk calcul flat rate undertak applic minimum percentag relat premium amount obtain calcul reserv contract contract nation law question option method account solvenc margin articl relationship solvenc margin amount premium burden claim solvenc margin determin basi annual amount premium contribut averag burden claim past financi year case undertak essenti underwrit risk credit storm hail frost year period refer averag burden claim subject provis articl protocol amount solvenc margin equal higher result result premium basi premium contribut inclus charg ancillari premium contribut due respect direct busi financi year financi year aggreg aggreg ad amount premium accept reinsur financi year sum deduct total amount premium contribut cancel financi year total amount tax levi pertain premium contribut enter aggreg amount obtain divid portion portion extend ecu million compris excess portion calcul ad result obtain multipli sum calcul ratio exist respect financi year amount claim remain born undertak deduct transfer reinsur gross amount claim ratio case result claim basi amount claim paid respect direct busi deduct claim born reinsur retrocessionnair period paragraph protocol aggreg aggreg ad amount claim paid respect reinsur retrocess accept period sum ad amount provis reserv outstand claim establish end financi year direct busi reinsur accept sum deduct amount recoveri effect period paragraph protocol sum remain deduct amount provis reserv outstand claim establish commenc financi year preced financi year account direct busi reinsur accept seventh amount obtain period refer establish paragraph protocol divid portion extend ecu million compris excess portion calcul ad result obtain multipli sum obtain ratio exist respect financi year amount claim remain born busi transfer reinsur gross amount claim ratio case fraction applic portion refer paragraph protocol reduc case health insur practis similar technic basi life assur premium paid calcul basi sick tabl mathemat method appli insur reserv set increas ag addit premium collect order set safeti margin amount insur cancel contract end year insur latest contract possibl increas premium reduc payment current contract case associ underwrit lloyd calcul result respect premium refer paragraph protocol made basi net premium multipli flat rate percentag fix annual supervisori author contract parti territori head offic undertak situat flat rate percentag calcul basi recent statist data commiss paid detail relev calcul supervisori author switzerland associ underwrit lloyd establish case risk list class part annex amount claim paid calcul result claim basi cost born undertak respect assist cost calcul accord provis contract parti territori head offic undertak situat articl guarante fund solvenc margin constitut guarante fund guarante fund ecu case risk includ class list part annex cover provis appli undertak annual amount premium contribut due class financi year exceed ecu total amount premium contribut receiv undertak concern ecu case risk includ class list part annex no indent appli cover ecu case risk includ class list part annex no cover ecu case risk includ class list part annex no cover busi carri undertak cover class risk class risk highest amount requir account contract parti provid fourth reduct minimum guarante fund case mutual associ mutual type associ undertak accord indent paragraph protocol increas guarante fund ecu contract parti question undertak period year bring fund ecu period year bring fund ecu period year bring fund ecu period run date condit refer indent paragraph protocol fulfil articl relationship ecu swiss franc relationship ecu swiss franc procedur defin relationship purpos protocol laid protocol protocol scheme oper articl content scheme oper agenc branch particular proof natur risk undertak propos cover gener special polici condit propos scale premium undertak propos appli categori busi guid principl reinsur state solvenc margin undertak refer protocol estim relat expens instal administr servic organ secur busi financi resourc intend cover risk cover list class part annex resourc undertak provid promis assist addit financi year estim relat expens manag estim relat premium contribut claim respect busi forecast balanc sheet agenc branch articl except particular refer articl protocol requir regard risk larg risk risk list class part annex risk list class part annex polici holder engag profession industri commerci activ liber profess risk relat activ risk list class part annex polici holder exce limit criteria stage decemb balanc sheet total ecu million net turnov ecu million averag number employe financi year stage januari balanc sheet total ecu million net turnov ecu million averag number employe financi year polici holder belong group undertak consolid account drawn accord law forc contract parti jurisdict group subject criteria mention appli basi consolid account contract parti add categori mention risk insur profession associ joint ventur temporari group switzerland particular refer articl protocol requir regard risk list part annex vessel involv lake river vessel protocol relationship ecu swiss franc articl ecu purpos agreement ecu mean ecu defin compet commun author articl relationship nation currenc ecu amount express ecu agreement convert nation currenc enabl supervisori author appli agreement provis directli convers effect accord provis paragraph protocol regard convers amount express ecu nation currenc member state commun rule laid compet commun author appli regard equival swiss franc amount express ecu exchang ecu purpos agreement swiss franc articl alter relationship ecu swiss franc relationship ecu swiss franc refer paragraph review annual basi exchang ecu term swiss franc fix swiss nation bank work dai octob differ side forc purpos agreement adjust effect januari year joint committe refer articl make adjust protocol agenc branch undertak head offic situat territori agreement appli articl condit author contract parti grant undertak head offic situat territori agreement appli articl thereof author open agenc branch territori applic undertak fulfil condit entitl undertak insur busi nation law establish agenc branch territori contract parti question undertak establish place manag agenc branch account specif busi undertak record relat busi transact design author agent approv supervisori author possess countri carri busi asset amount equal half minimum amount prescrib paragraph protocol respect guarante fund deposit quarter minimum amount secur undertak solvenc margin accord articl protocol submit scheme oper accord provis paragraph agreement protocol contract parti legal provis forc permit requir undertak exist fewer financi year suppli balanc sheet profit loss account accompani scheme oper respect financi year close articl technic reserv protocol contract parti appli agenc branch set territori rule technic reserv favour provid articl derog sentenc paragraph requir asset repres technic reserv local territori supervisori author contract parti concern compet articl solvenc margin protocol contract parti requir agenc branch establish territori solvenc margin consist asset free forese liabil intang item solvenc margin calcul accord paragraph protocol purpos calcul margin account premium contribut claim pertain busi effect agenc branch concern solvenc margin constitut guarante fund guarante fund half minimum requir paragraph protocol initi secur lodg accord paragraph protocol count guarante fund asset repres solvenc margin local territori supervisori author contract parti concern compet commun rule relax case undertak agenc branch member state order facilit supervis articl verif restor financi situat provis paragraph articl appli mutati mutandi relat agenc branch undertak protocol appli articl agreement countri contract parti mean agreement conclud countri agre applic provis provid protocol condit insur person adequ protect condit reciproc exchang letter principl discrimin deleg commiss european commun brussel juli sir refer agreement commun switzerland initial todai honour confirm oblig discrimin refer articl thereof exclus concern take pursuit activ direct insur territori supervisori author grant author compet appli member state commun exercis power legisl area cover agreement note commun accept sir assur high consider head deleg commiss european commun geoffrei fitchew franz blankart esq state secretari head swiss deleg bern swiss deleg bern juli sir honour acknowledg receipt letter todai date word refer agreement commun switzerland initial todai honour confirm oblig discrimin refer articl thereof exclus concern take pursuit activ direct insur territori supervisori author grant author compet appli member state commun exercis power legisl area cover agreement note commun turn accept sir assur high consider head swiss deleg franz blankart geoffrei fitchew esq director gener head deleg commiss european commun brussel exchang letter scope author deleg commiss european comun brussel juli sir refer agreement commun switzerland initial todai honour remind understand paragraph affect provis forc contract parti possibl insur undertak cover risk situat territori supervisori author grant author compet kindli confirm accept sir assur high consider head deleg commiss european commun geoffrei fitchew franz blankart esq state secretari head swiss deleg bern swiss deleg bern juli sir honour acknowledg receipt letter todai date word refer agreement commun switzerland initial todai honour remind understand paragraph affect provis forc contract parti possibl insur undertak cover risk situat territori supervisori author grant author compet note commun turn accept sir assur high consider head swiss deleg franz blankart geoffrei fitchew esq director gener head deleg commiss european commun brussel exchang letter author agent swiss deleg bern june sir refer agreement switzerland commun initial todai honour state preclud author agent refer paragraph thereof paragraph protocol requir assum effect manag agenc branch respect busi activ intend carri territori supervisori author author sought compet kindli confirm accept sir assur high consider head swiss deleg franz blankart gérard imbert esq director head deleg commiss european commun brussel deleg commiss european commun brussel june sir honour acknowledg receipt letter todai date word refer agreement switzerland commun initial todai honour state preclud author agent refer paragraph thereof paragraph protocol requir assum effect manag agenc branch respect busi activ intend carri territori supervisori author author sought compet confirm turn accept sir assur high consider head deleg commiss european commun gérard imbert franz blankart esq ambassador head swiss deleg bern exchang letter assign swiss secur fund immov properti directli own insur undertak swiss deleg bern june sir refer agreement switzerland commun initial todai honour inform switzerland reserv regard assign secur fund immov properti directli own insur undertak immov properti regist secur fund regist maintain undertak includ land regist note relat restrict dispos freeli properti swiss law constitut registr mortgag confirm opinion procedur contrari paragraph agreement accept sir assur high consider head swiss deleg franz blankart gérard imbert esq director head deleg commiss european commun brussel deleg commiss european commun brussel june sir honour acknowledg receipt letter todai date word follow refer agreement switzerland commun initial todai honour inform switzerland reserv regard assign secur fund immov properti directli own insur undertak immov properti regist secur fund regist maintain undertak includ land regist note relat thereto restrict dispos freeli properti swiss law constitut registr mortgag confirm opinion procedur contrari paragraph agreement accept sir assur high consider head deleg commiss european commun gérard imbert franz blankart esq ambassador head swiss deleg bern exchang letter principl govern invest swiss deleg bern june sir refer agreement switzerland commun initial todai honour state regard asset refer articl agreement preclud supervisori author take action specif case choic asset place financi secur undertak jeopardi diminish degre liquid kindli confirm accept sir assur high consider head swiss deleg franz blankart gérard imbert esq director head deleg commiss european commun brussel deleg commiss european commun brussel june sir honour acknowledg receipt letter todai date word refer agreement switzerland commun initial todai honour state regard asset refer articl agreement preclud supervisori author take action specif case choic asset place financi secur undertak jeopardi diminish degre liquid confirm turn accept sir assur high consider head deleg commiss european commun gérard imbert franz blankart esp ambassador head swiss deleg bern exchang letter swiss list class insur swiss deleg bern june sir refer agreement switzerland commun initial todai honour inform switzerland continu appli head offic agenc branch establish territori list class insur purpos submiss account statist case regard report feder offic privat insur privat insur undertak switzerland classif risk class insur set part annex agreement appli purpos specif class applic author assess approv gener special condit insur polici scale premium preclud examin switzerland date possibl appli abovement classif entireti decis effect notifi commun diplomat channel agre scope list class insur classif risk class insur compar type classif gt tabl gt note commun accept sir assur high consider head swiss deleg franz blankart gérard imbert head deleg commiss european commun brussel deleg commiss european commun brussel june sir honour acknowledg receipt letter todai date word refer agreement switzerland commun initial todai honour inform switzerland continu appli head offic agenc branch establish territori list class insur quot purpos submiss account statist case regard report feder offic privat insur privat insur undertak switzerland quot classif risk class insur quot set part annex agreement appli purpos specif class applic author assess approv gener special condit insur polici scale premium preclud examin switzerland date possibl appli abovement classif quot entireti decis effect notifi commun diplomat channel agre scope list class insur quot classif risk class insur quot compar type classif gt tabl gt note commun turn accept sir assur high consider head deleg commiss european commun gérard imbert franz blankart ambassador head swiss deleg bern exchang letter capit insur undertak swiss deleg bern june sir refer agreement switzerland commun initial todai honour remind understand provis minimum solvenc margin calcul accord paragraph protocol minimum guarante fund refer paragraph protocol bear law practic contract parti requir relat capit undertak kindli confirm accept sir assur high consider head swiss deleg franz blankart gérard imbert esq director head deleg commiss european commun brussel deleg commiss european commun brussel june sir honour acknowledg receipt letter todai date word refer agreement switzerland commun initial todai honour remind understand provis minimum solvenc margin calcul accord paragraph protocol minimum guarante fund refer paragraph protocol bear law practic contract parti requir relat capit undertak confirm turn accept sir assur high consider head deleg commiss european commun gérard imbert franz blankart esq ambassador head swiss deleg bern exchang letter transit arrang assist deleg commiss european commun brussel juli sir refer agreement commun switzerland initial todai honour remind understand member state commun undertak decemb provid assist territori period year date order compli requir set articl agreement member state commun undertak refer expiri year period fulli establish solvenc margin period exceed year provid undertak accord articl agreement submit approv supervisori author measur propos purpos undertak refer wish extend busi class case refer paragraph agreement part territori condit compli forthwith agreement decemb condit point part annex agreement accid breakdown happen territori contract parti undertak provid cover establish appli oper refer indent abovement point oper carri elpa automobil tour club greec kindli confirm accept sir assur high consider head deleg commiss european commun geoffrei fitchew franz blankart esq state secretari head swiss deleg bern swiss deleg bern juli sir honour acknowledg receipt letter todai date word refer agreement commun switzerland initial todai honour remind understand member state commun undertak decemb provid assist territori period year date order compli requir set articl agreement member state commun undertak refer expiri year period fulli establish solvenc margin period exceed year provid undertak accord articl agreement submit approv supervisori author measur propos purpos undertak refer wish extend busi class case refer paragraph agreement part territori condit compli forthwith agreement decemb condit point part annex agreement accid breakdown happen territori contract parti undertak provid cover establish appli oper refer indent abovement point oper carri elpa automobil tour club greec confirm turn accept sir assur high consider head swiss deleg franz blankart geoffrei fitchew esq director gener head deleg commiss european commun brussel exchang letter transit arrang larg risk refer paragraph protocol deleg commiss european commun brussel juli sir refer agreement commun switzerland initial todai honour remind understand greec ireland portug spain benefit transit arrang respect larg risk refer paragraph protocol agreement decemb appli risk regim risk refer paragraph protocol agreement januari decemb regim larg risk appli risk refer paragraph protocol agreement risk refer paragraph member state fix threshold appli therefor spain januari decemb threshold stage fix paragraph protocol agreement appli januari threshold stage appli greec ireland portug januari decemb threshold stage fix paragraph protocol agreement appli januari threshold stage appli derog allow januari appli contract cover risk classifi class part annex situat exclus member state commun benefit provis kindli confirm accept sir assur high consider head deleg commiss european commun geoffrei fitchew franz blankart esq state secretari head swiss deleg bern swiss deleg bern juli sir honour acknowledg receipt letter todai date word refer agreement commun switzerland initial todai honour remind understand greec ireland portug spain benefit transit arrang respect larg risk refer paragraph protocol agreement decemb appli risk regim risk refer paragraph protocol agreement januari decemb regim larg risk appli risk refer paragraph protocol agreement risk refer paragraph member state fix threshold appli therefor spain januari decemb threshold stage fix paragraph protocol agreement appli januari threshold stage appli greec ireland portug januari decemb threshold stage fix paragraph protocol agreement appli januari threshold stage appli derog allow januari appli contract cover risk classifi class part annex situat exclus member state commun benefit provis confirm turn accept sir assur high consider head swiss deleg franz blankart geoffrei fitchew esq director gener head deleg commiss european commun brussel joint declar contract parti period date signatur date entri forc agreement period date signatur date entri forc agreement refer paragraph thereof contract parti declar introduc provis supervis liabl repeal agreement agenc branch belong undertak head offic situat territori contract parti establish territori establish purpos take pursu emploi activ direct insur life assur contract parti undertak initi delai procedur amend nation law accord agreement final act repres european econom commun swiss confeder assembl luxembourg octob occas signatur agreement european econom commun swiss confeder direct insur life assur time signatur agreement note exchang letter annex abovement agreement exchang letter principl discrimin exchang letter scope author exchang letter author agent exchang letter assign swiss secur fund immov properti directli own insur undertak exchang letter principl govern invest exchang letter swiss list class insur exchang letter capit insur undertak exchang letter transit arrang assist exchang letter transit arrang larg risk refer paragraph protocol adopt declar annex agreement joint declar contract parti period date signatur date entri forc agreement hecho en luxemburgo el diez de octubr de mil noveciento ochenta nuev udfærdiget luxembourg den tiend oktob nitten hundred og niogfir geschehen zu luxemburg zehnten oktob neunzehnhundertneunundachtzig luxembourg tenth dai octob year thousand hundr eighti fait luxembourg le dix octobr mil neuf cent quatr vingt neuf fatto lussemburgo addì dieci ottobr millenovecentottantanov gedaan te luxemburg de tiend oktob negentienhonderd negenentachtig feito em luxemburgo em dez de outubro de mil novecento oitenta nove en nombr del consejo de la comunidad europea på vegn af rådet de europæisk fællesskab im namen de rate der europäischen gemeinschaften behalf council european commun au nom du conseil de communauté européenn nome del consiglio dell comunità europe namen de raad van de europes gemeenschappen em nome conselho da comunidad europeia por el gobierno de la confederación suiza regeringen schweiz für die regierung der schweizerischen eidgenossenschaft govern swiss confeder pour le gouvern de la confédérat suiss il governo della confederazion svizzera voor de reger van de zwitsers bondsstaat pelo governo da confederação suíça