natgillin/translations-raw huggingface dataset:
Solvenskapitalkravet bør afspejle et niveau for anerkendt egenkapital, som sætter forsikrings- og genforsikringsselskaber i stand til at dække betydelige tab, og som giver forsikringstagerne og de begunstigede en rimelig sikkerhed for, at forfaldne betalinger vil blive effektueret.
The Solvency Capital Requirement should reflect a level of eligible own funds that enables insurance and reinsurance undertakings to absorb significant losses and that gives reasonable assurance to policy holders and beneficiaries that payments will be made as they fall due.
For at sikre at forsikrings- og genforsikringsselskaber har anerkendt egenkapital, som til stadighed dækker solvenskapitalkravet, idet der tages hensyn til ændringerne i deres risikoprofil, bør disse selskaber mindst én gang årligt beregne solvenskapitalkravet, løbende kontrollere det og beregne det på ny, når risikoprofilen ændres væsentligt.
In order to ensure that insurance and reinsurance undertakings hold eligible own funds that cover the Solvency Capital Requirement on an on-going basis, taking into account any changes in their risk profile, those undertakings should calculate the Solvency Capital Requirement at least annually, monitor it continuously and recalculate it whenever the risk profile alters significantly.
For at fremme god risikostyring og bringe de lovregulerede kapitalkrav i overensstemmelse med erhvervslivets praksis bør solvenskapitalkravet fastlægges som den økonomiske kapital, som forsikrings- og genforsikringsselskaber skal råde over for at sikre, at der højst forekommer en konkurssituation hvert 200. tilfælde eller alternativt, når disse selskaber stadig har mulighed for med en sandsynlighed på mindst 99,5 % at overholde deres forpligtelser over for forsikringstagerne og de begunstigede i de følgende 12 måneder.
In order to promote good risk management and align regulatory capital requirements with industry practices, the Solvency Capital Requirement should be determined as the economic capital to be held by insurance and reinsurance undertakings in order to ensure that ruin occurs no more often than once in every 200 cases or, alternatively, that those undertakings will still be in a position, with a probability of at least 99,5 %, to meet their obligations to policy holders and beneficiaries over the following 12 months.
Denne økonomiske kapital bør beregnes på grundlag af disse selskabers sande risikoprofil under hensyntagen til virkningerne af eventuelle risikobegrænsende teknikker samt diversifikationseffekter.
That economic capital should be calculated on the basis of the true risk profile of those undertakings, taking account of the impact of possible risk-mitigation techniques, as well as diversification effects.
Der bør fastlægges en standardformel til beregning af solvenskapitalkravet, så alle forsikrings- og genforsikringsselskaber har mulighed for at vurdere deres økonomiske kapital.
Provision should be made to lay down a standard formula for the calculation of the Solvency Capital Requirement, to enable all insurance and reinsurance undertakings to assess their economic capital.
Ved struktureringen af standardformlen bør der benyttes en modulær metode, hvilket indebærer, at hvert enkelt engagement inden for hver risikokategori bør vurderes i et første trin og derefter aggregeres i et andet trin.
For the structure of the standard formula, a modular approach should be adopted, which means that the individual exposure to each risk category should be assessed in a first step and then aggregated in a second step.
Hvis selskabets sande risikoprofil afspejles bedre med anvendelsen af virksomhedsspecifikke parametre, bør dette tillades på den forudsætning, at sådanne parametre er beregnet ud fra en standardmetode.
Where the use of undertaking-specific parameters allows for the true underwriting risk profile of the undertaking to be better reflected, this should be allowed, provided such parameters are derived using a standardised methodology.
For at afspejle små og mellemstore virksomheders særlige situation bør der fastlægges forenklede fremgangsmåder for beregning af solvenskapitalkravet i henhold til standardformlen.
In order to reflect the specific situation of small and medium-sized undertakings, simplified approaches to the calculation of the Solvency Capital Requirement in accordance with the standard formula should be provided for.
Den nye risikobaserede indfaldsvinkel omfatter principielt ikke begrebet kvantitative begrænsninger for investeringer og kriterier for anerkendelse af aktiver.
As a matter of principle, the new risk-based approach does not comprise the concept of quantitative investment limits and asset eligibility criteria.
Det bør dog være muligt at indføre begrænsninger for investeringer og kriterier for anerkendelse af aktiver for at modvirke risici, som ikke er tilstrækkeligt dækket af et delmodul til standardformlen.
It should however be possible to introduce investment limits and asset eligibility criteria to address risks which are not adequately covered by a sub-module of the standard formula.
I overensstemmelse med den risikoorienterede tilgang til solvenskapitalkravet bør det være muligt under specifikke omstændigheder at benytte partielle eller komplette interne modeller i stedet for standardformlen til at beregne dette krav.
In accordance with the risk-oriented approach to the Solvency Capital Requirement, it should be possible, in specific circumstances, to use partial or full internal models for the calculation of that requirement rather than the standard formula.
For at yde forsikringstagerne og de begunstigede et ækvivalent beskyttelsesniveau bør sådanne modeller være underlagt et krav om forudgående tilsynsmæssig godkendelse på grundlag af harmoniserede processer og standarder.
In order to provide policy holders and beneficiaries with an equivalent level of protection, such internal models should be subject to prior supervisory approval on the basis of harmonised processes and standards.
Når den anerkendte kernekapital ikke lever op til minimumskapitalkravet, bør forsikrings- og genforsikringsselskabers tilladelse tilbagekaldes, hvis de ikke inden for et kort tidsrum er i stand til at genskabe den anerkendte kernekapital og dermed overholde minimumskapitalkravet.
When the amount of eligible basic own funds falls below the Minimum Capital Requirement, the authorisation of insurance and reinsurance undertakings should be withdrawn where those undertakings are unable to re-establish the amount of eligible basic own funds at the level of the Minimum Capital Requirement within a short period of time.
Minimumskapitalkravet bør sikre et minimumsniveau, som de finansielle ressourcer mindst bør overholde.
The Minimum Capital Requirement should ensure a minimum level below which the amount of financial resources should not fall.
Det er nødvendigt, at dette niveau beregnes efter en enkel formel, som indeholder et fastsat minimum og et loft for det risikobaserede solvenskapitalkrav for at gøre det muligt med en gradvist højere skala for tilsynsmæssige indgreb, og at den baseres på data, som kan revideres.
It is necessary that that level be calculated in accordance with a simple formula, which is subject to a defined floor and cap based on the risk-based Solvency Capital Requirement in order to allow for an escalating ladder of supervisory intervention, and that it is based on the data which can be audited.
Forsikrings- og genforsikringsselskaber bør råde over aktiver af en tilstrækkelig kvalitet til at dække deres samlede økonomiske behov.
Insurance and reinsurance undertakings should have assets of sufficient quality to cover their overall financial requirements.
Forsikringsselskabers og genforsikringsselskabers samlede investeringsbeholdning bør administreres efter »prudent person«-princippet.
All investments held by insurance and reinsurance undertakings should be managed in accordance with the ‘prudent person’ principle.
Medlemsstaterne bør ikke kræve, at forsikrings- eller genforsikringsselskaber investerer deres aktiver i bestemte kategorier af aktiver, da et sådant krav kan være uforeneligt med den liberalisering af kapitalbevægelser, der er fastsat i traktatens artikel 56.
Member States should not require insurance or reinsurance undertakings to invest their assets in particular categories of assets, as such a requirement could be incompatible with the liberalisation of capital movements provided for in Article 56 of the Treaty.
Det er nødvendigt at forbyde bestemmelser, hvorved medlemsstaterne kan kræve, at forsikringsselskaber eller genforsikringsselskaber skal stille aktiver som sikkerhed for de forsikringsmæssige hensættelser, uanset hvilken form dette krav måtte antage, når forsikringsselskabet er genforsikret hos et forsikrings- eller genforsikringsselskab, der har opnået tilladelse i henhold til dette direktiv, eller hos et tredjelandsforsikringsselskab, når tilsynsordningen i dette tredjeland anses for at være ækvivalent.
It is necessary to prohibit any provisions enabling Member States to require pledging of assets covering the technical provisions of an insurance or reinsurance undertaking, whatever form that requirement might take, when the insurer is reinsured by an insurance or reinsurance undertaking authorised pursuant to this Directive, or by a third-country undertaking where the supervisory regime of that third country has been deemed equivalent.
I de hidtidige retlige rammer har der ikke været fastsat hverken detaljerede kriterier for tilsynsmæssig vurdering af den påtænkte erhvervelse eller en procedure for anvendelsen af dem.
The legal framework has so far provided neither detailed criteria for a prudential assessment of a proposed acquisition nor a procedure for their application.
Der er derfor behov for en præcisering af kriterierne og processen i forbindelse med tilsynsmæssig vurdering for at tilvejebringe den nødvendige retssikkerhed, klarhed og forudsigelighed med hensyn til vurderingsprocessen samt med hensyn til resultaterne heraf.
A clarification of the criteria and the process of prudential assessment is therefore needed to provide the necessary legal certainty, clarity and predictability with regard to the assessment process, as well as to the result thereof.
Disse kriterier og procedurer blev fastlagt ved bestemmelser i direktiv 2007/44/EF.
Those criteria and procedures were introduced by provisions in Directive 2007/44/EC.
For så vidt angår forsikring og genforsikring bør disse bestemmelser derfor kodificeres og integreres i dette direktiv.
As regards insurance and reinsurance those provisions should therefore be codified and integrated into this Directive.
Det er derfor helt afgørende at sikre størst mulig harmonisering i hele Fællesskabet af disse procedurer og tilsynsmæssige vurderinger.
Maximum harmonisation throughout the Community of those procedures and prudential assessments is therefore critical.
Bestemmelserne vedrørende kvalificeret deltagelse bør imidlertid ikke forhindre medlemsstaterne i at foreskrive, at tilsynsmyndighederne skal underrettes om erhvervelse af kapitalandele under tærsklerne i disse bestemmelser, når højst én yderligere tærskel under 10 % i den forbindelse kræves af en medlemsstat.
However, the provisions on qualifying holdings should not prevent the Member States from requiring that the supervisory authorities are to be informed of acquisitions of holdings below the thresholds laid down in those provisions, so long as a Member State imposes no more than one additional threshold below 10 % for that purpose.
Disse bestemmelser bør heller ikke forhindre tilsynsmyndighederne i at fastsætte generelle retningslinjer for, hvornår sådanne kapitalandele anses for at resultere i betydelig indflydelse.
Nor should those provisions prevent the supervisory authorities from providing general guidance as to when such holdings would be deemed to result in significant influence.
Grundet unionsborgernes øgede mobilitet udbydes ansvarsforsikringer for motorkøretøjer i stigende omfang på tværs af landegrænser.
In view of the increasing mobility of citizens of the Union, motor liability insurance is increasingly being offered on a cross-border basis.
For at sikre, at ordningen med grønne kort og aftalerne mellem de nationale foreninger af udbydere af motorkøretøjsforsikringer fortsat fungerer efter hensigten, bør medlemsstaterne kunne pålægge forsikringsselskaber, som på medlemsstaternes område udbyder ansvarsforsikringer for motorkøretøjer i henhold til reglerne om fri udveksling af tjenesteydelser, at være medlemmer af og deltage i finansieringen af den nationale forening og garantifonden, der er etableret i denne medlemsstat.
To ensure the continued proper functioning of the green card system and the agreements between the national bureaux of motor insurers, it is appropriate that Member States are able to require insurance undertakings providing motor liability insurance in their territory by way of provision of services to join and participate in the financing of the national bureau as well as of the guarantee fund set up in that Member State.
Medlemsstaten, hvor tjenesteydelserne præsteres, bør pålægge selskaber, der udbyder motorkøretøjsforsikringer, at udnævne en repræsentant på medlemsstatens område for at indsamle alle nødvendige oplysninger i relation til erstatningskrav og repræsentere det pågældende selskab.
The Member State of provision of services should require undertakings which provide motor liability insurance to appoint a representative in its territory to collect all necessary information in relation to claims and to represent the undertaking concerned.
Inden for rammerne af det indre marked er det i forsikringstagerens interesse at have adgang til det bredest mulige udvalg af forsikringsprodukter, der tilbydes i Fællesskabet.
Within the framework of an internal market it is in the interest of policy holders that they should have access to the widest possible range of insurance products available in the Community.
Den medlemsstat, hvor risikoen består, eller den medlemsstat, hvor forpligtelsen består, bør derfor sikre, at intet hindrer markedsføringen på dens område af forsikringsprodukter, der udbydes i Fællesskabet, forudsat at de ikke er i strid med gældende retsregler begrundet i almene hensyn i denne medlemsstat, og såfremt de almene hensyn ikke er beskyttet af hjemlandets retsregler.
The Member State in which the risk is situated or the Member State of the commitment should therefore ensure that there is nothing to prevent the marketing within its territory of all the insurance products offered for sale in the Community as long as they do not conflict with the legal provisions protecting the general good in force in that Member State and in so far as the general good is not safeguarded by the rules of the home Member State.
Der bør indføres en sanktionsordning, som kan bringes i anvendelse, når et forsikringsselskab i den medlemsstat, hvor risikoen eller forpligtelsen består, ikke overholder eventuelle gældende bestemmelser begrundet i almene hensyn.
Provision should be made for a system of sanctions to be imposed when, in the Member State in which the risk is situated or the Member State of the commitment, an insurance undertaking does not comply with any applicable provisions protecting the general good.
I et indre marked for forsikring har forbrugerne et større og mere varieret udvalg af forsikringer end tidligere.
In an internal market for insurance, consumers have a wider and more varied choice of contracts.
Hvis forbrugerne skal kunne drage fuldt udbytte af denne diversitet og den øgede konkurrence, bør de forsynes med alle nødvendige oplysninger, inden aftalen indgås og i hele aftalens løbetid, således at de kan vælge den aftale, som bedst opfylder deres behov.
If they are to benefit fully from that diversity and from increased competition, consumers should be provided with whatever information is necessary before the conclusion of the contract and throughout the term of the contract to enable them to choose the contract best suited to their needs.
Et forsikringsselskab, der tilbyder aftaler om assistance, bør råde over de nødvendige midler til inden for en passende frist at præstere de naturalydelser, som det tilbyder.
An insurance undertaking offering assistance contracts should possess the means necessary to provide the benefits in kind which it offers within an appropriate period of time.
Der bør fastlægges særlige bestemmelser for beregningen af solvenskapitalkravet og det absolutte minimum for minimumskapitalkravet, som et sådant selskab skal være i besiddelse af.
Special provisions should be laid down for calculating the Solvency Capital Requirement and the absolute floor of the Minimum Capital Requirement which such undertaking should possess.
Den faktiske udøvelse af coassurancevirksomhed inden for Fællesskabet, som på grund af dens art eller betydning sandsynligvis vil blive dækket gennem international coassurance, bør lettes ved et minimum af harmonisering for at undgå konkurrenceforvridning og forskelsbehandling.
The effective pursuit of Community co-insurance business for activities which are by reason of their nature or their size likely to be covered by international co-insurance should be facilitated by a minimum of harmonisation in order to prevent distortion of competition and differences in treatment.
Det ledende forsikringsselskab bør i den forbindelse opgøre skaderne og fastsætte mindstebeløbet for de forsikringsmæssige hensættelser.
In that context, the leading insurance undertaking should assess claims and fix the amount of technical provisions.
Det er desuden vigtigt, at der for coassurancevirksomhed inden for Fællesskabet skabes et særligt samarbejde mellem medlemsstaternes tilsynsmyndigheder såvel som mellem disse myndigheder og Kommissionen.
Moreover, special cooperation should be provided for in the Community co-insurance field both between the supervisory authorities of the Member States and between those authorities and the Commission.
Af hensyn til beskyttelsen af de forsikrede bør den nationale lovgivning om retshjælpsforsikring harmoniseres.
In the interest of the protection of insured persons, national law concerning legal expenses insurance should be harmonised.
Eventuelle interessekonflikter, der bl.a. kan skyldes, at forsikringsselskabet dækker en anden person eller dækker en person med hensyn til både retshjælp og en anden forsikringsklasse, bør så vidt muligt undgås eller afhjælpes.
Any conflicts of interest arising, in particular, from the fact that the insurance undertaking is covering another person or is covering a person in respect of both legal expenses and any other class of insurance should be precluded as far as possible or resolved.
Der findes til dette formål forskellige muligheder for at opnå en passende beskyttelse af forsikringstagernes rettigheder.
To that end, a suitable level of protection of policy holders can be achieved by different means.
Uanset hvilken mulighed der vælges, bør alle, der har tegnet en retshjælpsforsikring, være omfattet af ækvivalente garantier.
Whichever solution is adopted, the interest of persons having legal expenses cover should be protected by equivalent safeguards.
Konflikter mellem forsikrede og forsikringsselskaber, der vedrører retshjælp, bør løses på den mest rimelige og hurtigst mulige måde.
Conflicts between insured persons and insurance undertakings covering legal expenses should be settled in the fairest and speediest manner possible.
Medlemsstaterne bør derfor indføre en voldgiftsprocedure eller en anden procedure, som giver tilsvarende sikkerhed.
It is therefore appropriate that Member States provide for an arbitration procedure or a procedure offering comparable guarantees.
I visse medlemsstater træder privat eller frivilligt indgået sygeforsikring delvis eller fuldstændig i stedet for den sygesikring, der er indbygget i de sociale sikringsordninger.
In some Member States, private or voluntary health insurance serves as a partial or complete alternative to health cover provided for by the social security systems.
Den særlige karakter af en sådan sygeforsikring adskiller den fra anden skadesforsikring og fra livsforsikring, eftersom det er nødvendigt at sikre, at forsikringstagerne reelt har adgang til en privat eller frivilligt indgået sygeforsikring uanset alder eller risikoprofil.
The particular nature of such health insurance distinguishes it from other classes of indemnity insurance and life insurance insofar as it is necessary to ensure that policy holders have effective access to private health cover or health cover taken out on a voluntary basis regardless of their age or risk profile.
På grund af karakteren og de sociale konsekvenser af sygeforsikringsaftalerne bør tilsynsmyndighederne i den medlemsstat, hvor risikoen består, kunne kræve systematisk anmeldelse af de almindelige og specielle aftalebetingelser for private eller frivilligt indgåede sygeforsikringer med henblik på kontrol af, at disse aftaler delvist eller fuldstændigt træder i stedet for den sygesikring, der er indbygget i den sociale sikringsordning.
Given the nature and the social consequences of health insurance contracts, the supervisory authorities of the Member State in which a risk is situated should be able to require systematic notification of the general and special policy conditions in the case of private or voluntary health insurance in order to verify that such contracts are a partial or complete alternative to the health cover provided by the social security system.
En sådan kontrol bør ikke være en betingelse for afsætning af forsikringsprodukterne.
Such verification should not be a prior condition for the marketing of the products.
Nogle medlemsstater har indført specifikke retsforskrifter til dette formål.
To that end, some Member States have adopted specific legal provisions.
Af almene hensyn bør det være muligt at vedtage eller bibeholde sådanne retsforskrifter, såfremt de ikke uforholdsmæssigt begrænser den frie etableringsret eller retten til fri udveksling af tjenesteydelser, idet forskrifterne dog bør anvendes på identisk vis.
To protect the general good, it should be possible to adopt or maintain such legal provisions in so far as they do not unduly restrict the right of establishment or the freedom to provide services, it being understood that such provisions should apply in an identical manner.
De pågældende retsforskrifter kan variere alt efter forholdene i den enkelte medlemsstat.
Those legal provisions may differ in nature according to the conditions in each Member State.
Målet om at beskytte almene hensyn kan også nås, hvis det kræves, at forsikringsselskaber, som tegner private eller frivilligt indgåede sygeforsikringer, skal tilbyde standardpolicer, der svarer til dækningen under den lovpligtige sociale sikringsordning, til en præmie, som ikke overstiger et bestemt maksimum, og at de skal deltage i tabsudligningsordninger.
The objective of protecting the general good may also be achieved by requiring undertakings offering private health cover or health cover taken out on a voluntary basis to offer standard policies in line with the cover provided by statutory social security schemes at a premium rate at or below a prescribed maximum and to participate in loss compensation schemes.
Det kan også kræves, at privat eller frivilligt indgået sygeforsikring teknisk skal fungere på samme måde som livsforsikring.
As a further possibility, it may be required that the technical basis of private health cover or health cover taken out on a voluntary basis be similar to that of life insurance.
Værtslandene bør kunne kræve af alle forsikringsselskaber, der på deres område for egen risiko tegner lovpligtige arbejdsskadeforsikringer, at de overholder de specifikke nationale bestemmelser vedrørende denne form for forsikring.
Host Member States should be able to require any insurance undertaking which offers, within their territories, compulsory insurance against accidents at work at its own risk to comply with the specific provisions laid down in their national law on such insurance.