ANNEX XIX
MCR RISK FACTORS FOR NON-LIFE AND HEALTH INSURANCE OR REINSURANCE OBLIGATIONS
|
Segment |
Lines of business, as set out in Annex I, that the segment consists of |
Factor for technical provisions for segment s (αs ) |
Factor for premiums written for segment s (βs ) |
1 |
Medical expense insurance |
1 and 13 |
4,7 % |
4,7 % |
2 |
Income protection insurance |
2 and 14 |
13,1 % |
8,5 % |
3 |
Workers' compensation insurance |
3 and 15 |
10,7 % |
7,5 % |
4 |
Motor vehicle liability insurance and proportional reinsurance |
4 and 16 |
8,5 % |
9,4 % |
5 |
Other motor insurance and proportional reinsurance |
5 and 17 |
7,5 % |
7,5 % |
6 |
Marine, aviation and transport insurance and proportional reinsurance |
6 and 18 |
10,3 % |
14 % |
7 |
Fire and other damage to property insurance and proportional reinsurance |
7 and 19 |
9,4 % |
7,5 % |
8 |
General liability insurance and proportional reinsurance |
8 and 20 |
10,3 % |
13,1 % |
9 |
Credit and suretyship insurance and proportional reinsurance |
9 and 21 |
17,7 % |
11,3 % |
10 |
Legal expenses insurance and proportional reinsurance |
10 and 22 |
11,3 % |
6,6 % |
11 |
Assistance and its proportional reinsurance |
11 and 23 |
18,6 % |
8,5 % |
12 |
Miscellaneous financial loss insurance and proportional reinsurance |
12 and 24 |
18,6 % |
12,2 % |
13 |
Non-proportional casualty reinsurance |
26 |
18,6 % |
15,9 % |
14 |
Non-proportional marine, aviation and transport reinsurance |
27 |
18,6 % |
15,9 % |
15 |
Non-proportional property reinsurance |
28 |
18,6 % |
15,9 % |
16 |
Non-proportional health reinsurance |
25 |
18,6 % |
15,9 % |