Updated 05/02/2025
In force

Version from: 14/11/2024
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ANNEX XIX - Delegated Regulation 2015/35

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 %