natgillin/translations-raw huggingface dataset:
measures are taken so that the legal counsel and representation of each of the parties to a dispute is effected by wholly independent lawyers where those parties are insured for legal expenses by the same insurance undertaking.
sprejmejo se ukrepi za to, da pravno svetovanje in zastopanje vseh strank v sporu opravljajo povsem neodvisni odvetniki, če so takšne stranke za stroške postopka zavarovane pri isti zavarovalnici.
An exemption granted pursuant to paragraph 1 shall not affect the application of Article 200.
Izjema, ki je dovoljena skladno z odstavkom 1, ne vpliva na uporabo člena 200.
Article 203
ČLEN 203
Member States shall, for the settlement of any dispute between the legal expenses insurance undertaking and the insured and without prejudice to any right of appeal to a judicial body which might be provided for by national law, provide for arbitration or other procedures offering comparable guarantees of objectivity.
Države članice za reševanje sporov med zavarovalnico, ki sklepa zavarovanje stroškov postopka, in zavarovancem brez vpliva na pravico vložitve pravnih sredstev, ki jo določa nacionalna zakonodaja, predvidijo arbitražo ali kak drug postopek, ki ponuja primerljiva zagotovila za objektivnost.
The insurance contract shall provide for the right of the insured person to have recourse to such procedures.
Zavarovalna pogodba predvidi pravico zavarovanca do tega postopka.
Article 204
ČLEN 204
Whenever a conflict of interests arises or there is disagreement over the settlement of the dispute, the legal expenses insurer or, where appropriate, the claims settlement office shall inform the person insured of the right referred to in Article 201(1) and of the possibility of having recourse to the procedure referred to in Article 203.
Kadar koli pride do navzkrižja interesov ali do nesoglasja glede reševanja spora, zavarovatelj, ki sklepa zavarovanje stroškov postopka ali po potrebi urad za obravnavanje odškodninskih zahtevkov obvesti zavarovanca o pravici iz člena 201(1) in o možnosti uveljavljanja postopka iz člena 203.
Article 205
ČLEN 205
Abolition of specialisation of legal expenses insurance
Odprava ločevanja zavarovanja stroškov postopka in drugih zavarovanj
Member States shall abolish all provisions which prohibit an insurance undertaking from pursuing within their territory legal expenses insurance and other classes of insurance at the same time.
Države članice odpravijo vse predpise, ki zavarovalnici prepovedujejo, da bi na svojem ozemlju hkrati opravljala zavarovanje stroškov postopka in druge zavarovalne vrste.
Health insurance
Zdravstveno zavarovanje
Article 206
ČLEN 206
Health insurance as an alternative to social security
Zdravstveno zavarovanje kot alternativa socialni varnosti
Member States in which contracts covering the risks under class 2 in Part A of Annex I may serve as a partial or complete alternative to health cover provided by the statutory social security system may require that:
Države članice, v katerih lahko pogodbe, ki pokrivajo nevarnosti zavarovalne vrste 2 v delu A Priloge I, služijo kot delna ali popolna alternativa zdravstvenemu kritju, ki ga zagotavljajo sistemi socialne varnosti, lahko zahtevajo:
those contracts comply with the specific legal provisions adopted by that Member State to protect the general good in that class of insurance;
da te pogodbe izpolnjujejo posebne zakonske določbe, ki jih je sprejela država članica, da bi zavarovala splošne koristi v tej zavarovalni vrsti; in
the general and special conditions of that insurance be communicated to the supervisory authorities of that Member State before use.
da se splošni in posebni pogoji tega zavarovanja pred uporabo sporočijo nadzornim organom te države članice.
Member States may require that the health insurance system referred to in paragraph 1 be operated on a technical basis similar to that of life insurance where all the following conditions are fulfilled:
Države članice lahko zahtevajo, da deluje sistem zdravstvenega zavarovanja iz odstavka 1 na podobni tehnični podlagi kot pri življenjskem zavarovanju, če so izpolnjeni vsi naslednji pogoji:
the premiums paid are calculated on the basis of sickness tables and other statistical data relevant to the Member State in which the risk is situated in accordance with the mathematical methods used in insurance;
izplačane so premije izračunane na podlagi tablic obolelosti in drugih ustreznih statističnih podatkov za državo članico, v kateri je nevarnost, v skladu z matematičnimi metodami, ki se uporabljajo v zavarovalništvu;
a reserve is set up for increasing age;
določena je rezervacija za naraščajočo starost;
the insurer may cancel the contract only within a fixed period determined by the Member State in which the risk is situated;
zavarovatelj lahko odpove pogodbo le v določenem obdobju, ki ga določi država članica, v kateri je nevarnost;
the contract provides that premiums may be increased or payments reduced, even for current contracts;
pogodba predvideva, da se lahko tudi pri veljavnih pogodbah premije povečajo ali izplačila zmanjšajo;
the contract provides that the policy holders may change their existing contract into a new contract complying with paragraph 1, offered by the same insurance undertaking or the same branch and taking account of their acquired rights.
pogodba predvideva, da lahko imetniki polic spremenijo svojo obstoječo pogodbo v novo pogodbo v skladu z odstavkom 1, ki jim jo ponudi ista zavarovalnica ali ista podružnica, in z upoštevanjem njihovih pridobljenih pravic.
In the case referred to in point (e) of the first subparagraph, account shall be taken of the reserve for increasing age and a new medical examination may be required only for increased cover.
V primeru iz točke (e) prvega pododstavka se upošteva rezervacija za naraščajočo starost in nov zdravstveni pregled, ki se lahko zahteva le za povečano kritje.
The supervisory authorities of the Member State concerned shall publish the sickness tables and other relevant statistical data referred to in point (a) of the first subparagraph and transmit them to the supervisory authorities of the home Member State.
Nadzorni organi zadevne države članice objavijo tablice obolelosti in druge ustrezne statistične podatke iz točke (a) prvega pododstavka in jih pošljejo nadzornim organom matične države članice.
The premiums must be sufficient, on reasonable actuarial assumptions, for insurance undertakings to be able to meet all their commitments having regard to all aspects of their financial situation.
Premije z utemeljenimi zavarovalno-tehničnimi predpostavkami morajo biti za zavarovalnice zadostne, da lahko te izpolnijo svoje obveznosti v zvezi z vsemi vidiki svojega finančnega stanja.
The home Member State shall require the technical basis for the calculation of premiums to be communicated to its supervisory authorities before the product is circulated.
Matična država članica zahteva, da se tehnične podlage za izračun premij sporočijo njenim nadzornim organom, preden se da proizvod v obtok.
The third and fourth subparagraphs shall also apply where existing contracts are modified.
Tretji in četrti pododstavek se uporabljata tudi, kadar se obstoječe pogodbe spremenijo.
Insurance against accidents at work
Zavarovanje za nesreče pri delu
Article 207
ČLEN 207
Compulsory insurance against accidents at work
Obvezno zavarovanje za nesreče pri delu
Member States may require that any insurance undertaking offering, at its own risk, compulsory insurance against accidents at work within their territories comply with the specific provisions of their national law concerning such insurance, except for the provisions concerning financial supervision, which shall be the exclusive responsibility of the home Member State.
Države članice lahko zahtevajo od vsake zavarovalnice, ki na njihovem ozemlju na lastno odgovornost ponuja obvezno zavarovanje za nesreče pri delu, da izpolnjuje posebne določbe njihove nacionalne zakonodaje o takem zavarovanju, razen za določbe v zvezi s finančnim nadzorom, ki je v izključni odgovornosti matične države članice.
Provisions specific to life insurance
Določbe v zvezi z življenjskim zavarovanjem
Article 208
ČLEN 208
Prohibition on compulsory ceding of part of underwriting
Prepoved obveznega odstopanja dela zavarovalnih pogodb
Member States shall not require life insurance undertakings to cede part of their underwriting of activities listed in Article 2(3) to an organisation or organisations designated by national law.
Države članice od življenjskih zavarovalnic ne zahtevajo, da odstopijo del sklenjenih poslov, navedenih v členu 2(3), organizaciji ali organizacijam, ki jih določa nacionalno pravo.
Article 209
ČLEN 209
Premiums for new business
Premije za nove posle
Premiums for new business shall be sufficient, on reasonable actuarial assumptions, to enable life insurance undertakings to meet all their commitments and, in particular, to establish adequate technical provisions.
Premije za nove posle morajo biti zadostne, temeljiti na razumnih zavarovalno-tehničnih predpostavkah, da življenjskim zavarovalnicam omogočijo izpolnjevanje vseh obveznosti, zlasti da oblikujejo ustrezne zavarovalno-tehnične rezervacije.
For that purpose, all aspects of the financial situation of a life insurance undertaking may be taken into account, without the input from resources other than premiums and income earned thereon being systematic and permanent in a way that it may jeopardise the solvency of the undertaking concerned in the long term.
Za ta namen se lahko upoštevajo vsi vidiki finančnega stanja življenjske zavarovalnice. Vendar se vnos iz virov, razen premij in prihodka od premij ne sme upoštevati sistematično in stalno na način, ki dolgoročno ogroža solventnost zadevnega podjetja.
Rules specific to reinsurance
Pravila v zvezi s pozavarovanjem
Member States shall ensure that insurance and reinsurance undertakings which conclude finite reinsurance contracts or pursue finite reinsurance activities are able to properly identify, measure, monitor, manage, control and report the risks arising from those contracts or activities.
Države članice zagotovijo, da so zavarovalnice in pozavarovalnice, ki sklepajo pogodbe končnega pozavarovanja ali izvajajo dejavnosti končnega pozavarovanja, sposobne ustrezno opredeliti, meriti, spremljati, upravljati in nadzorovati tveganja, ki izhajajo iz teh pogodb ali poslov, ter poročati o njih.
In order to ensure that a harmonised approach is adopted with respect to finite reinsurance activities, the Commission may adopt implementing measures specifying the provisions of paragraph 1 with respect to the monitoring, management and control of risks arising from finite reinsurance activities.
Da zagotovi, da se v zvezi z dejavnostmi končnega pozavarovanja sprejme usklajen pristop, lahko Komisija sprejme izvedbene ukrepe, ki podrobneje opredeljujejo določbe iz odstavka 1 glede spremljanja, upravljanja in nadzora nevarnosti, ki izhajajo iz dejavnosti končnega pozavarovanja.
Those measures, designed to amend non-essential elements of this Directive, inter alia, by supplementing it, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 301(3).
Ti ukrepi, ki so namenjeni spremembam nebistvenih elementov te direktive, med drugim s tem, da jo dopolnjujejo, se sprejmejo v skladu z regulativnim postopkom s pregledom iz člena 301(3).
For the purposes of paragraphs 1 and 2 finite reinsurance means reinsurance under which the explicit maximum loss potential, expressed as the maximum economic risk transferred, arising both from a significant underwriting risk and timing risk transfer, exceeds the premium over the lifetime of the contract by a limited but significant amount, together with at least one of the following features:
Za namene odstavkov 1 in 2 končno pozavarovanje pomeni pozavarovanje, na podlagi katerega največja določena možnost izgube, izražena kot največje preneseno gospodarsko tveganje, ki izhaja iz pomembnih nevarnosti zavarovalnih pogodb in prenosov časovnih nevarnosti, presega premijo v času veljavnosti pogodbe, za omejeno, ampak pomembno vsoto, skupaj z najmanj eno od naslednjih značilnosti:
explicit and material consideration of the time value of money;
določena in materialna obravnava časovne vrednosti denarja;
Special purpose vehicles
Namenska družba
Member States shall allow the establishment within their territory of special purpose vehicles, subject to prior supervisory approval.
Države članice na svojem ozemlju dovolijo ustanavljanje namenskih družb na podlagi predhodnega nadzornega dovoljenja.
In order to ensure a harmonised approach with respect to special purpose vehicles, the Commission shall adopt implementing measures laying down the following:
Da zagotovi, da se v zvezi z namenskimi družbami sprejme usklajen pristop, Komisija sprejme izvedbene ukrepe, ki določajo:
the scope of authorisation;
področje uporabe dovoljenja,
mandatory conditions to be included in all contracts issued;
obvezne pogoje, ki se vključijo v vse izdane pogodbe,
fit and proper requirements as referred to in Article 42 of the persons running the special purpose vehicle;
zahteve glede sposobnosti in primernosti, kot jih določa člen 42, za osebe, ki vodijo namenske družbe,
fit and proper requirements for shareholders or members having a qualifying holding in the special purpose vehicle;
zahteve glede primernosti delničarjev ali članov, ki imajo kvalificirani delež v namenski družbi,
sound administrative and accounting procedures, adequate internal control mechanisms and risk-management requirements;
smotrne upravne in računovodske postopke, ustrezne mehanizme notranjega nadzora in zahteve upravljanja tveganja,
accounting, prudential and statistical information requirements;
računovodske in previdnostne zahteve ter zahteve po statističnih podatkih,
solvency requirements.
zahteve glede solventnostnih zahtev.
Special purpose vehicles authorised prior to 31 October 2012 shall be subject to the law of the Member State having authorised the special purpose vehicle.
Za namenske družbe, ki so pridobile dovoljenje pred 31. oktobrom 2012, velja zakonodaja države članice, ki je namensko družbo odobrila.
However, any new activity commenced by such a special purpose vehicle after that date shall be subject to paragraphs 1 and 2.
Vendar za katero koli novo dejavnost, ki jo začne opravljati takšna namenska družba po tem datumu, veljata odstavka 1 in 2.
SUPERVISION OF INSURANCE AND REINSURANCE UNDERTAKINGS IN A GROUP
NADZOR ZAVAROVALNIC IN POZAVAROVALNIC V SKUPINI
Group supervision: definitions, cases of application, scope and levels
Nadzor skupin: opredelitve pojmov, primeri uporabe, področje uporabe in ravni
For the purposes of this Title, the following definitions shall apply:
Za namene te direktive se uporabljajo naslednje opredelitve pojmov:
‘participating undertaking’ means an undertaking which is either a parent undertaking or other undertaking which holds a participation, or an undertaking linked with another undertaking by a relationship as set out in Article 12(1) of Directive 83/349/EEC;
„udeleženo podjetje“ pomeni podjetje, ki je bodisi matično podjetje bodisi drugo udeleženo podjetje, ali podjetje, ki je z drugim podjetjem povezano na način, ki ga določa člen 12(1) Direktive 83/349/EGS;
‘related undertaking’ means either a subsidiary undertaking or other undertaking in which a participation is held, or an undertaking linked with another undertaking by a relationship as set out in Article 12(1) of Directive 83/349/EEC;
„povezano podjetje“ pomeni hčerinsko podjetje ali drugo podjetje, v katerem je podjetje udeleženo, ali podjetje, ki je z drugim podjetjem povezano na način, ki ga določa člen 12(1) Direktive 83/349/EGS;
‘group’ means a group of undertakings that:
„skupina“ pomeni skupino podjetij:
consists of a participating undertaking, its subsidiaries and the entities in which the participating undertaking or its subsidiaries hold a participation, as well as undertakings linked to each other by a relationship as set out in Article 12(1) of Directive 83/349/EEC; or
ki jo sestavljajo udeleženo podjetje, njegova hčerinska podjetja in subjekti, v katerih imajo udeleženo podjetje ali njegova hčerinska podjetja udeležbo, pa tudi podjetja, ki so med seboj povezana na način, ki ga določa člen 12(1) Direktive 83/349/EGS; ali
is based on the establishment, contractually or otherwise, of strong and sustainable financial relationships among those undertakings, and that may include mutual or mutual-type associations, provided that:
ki temelji na pogodbenem ali drugačnem oblikovanju močnih in trajnih finančnih povezav med temi podjetji in ki lahko vsebuje vzajemna podjetja oziroma takšna, ki delujejo po načelu vzajemnosti, pod pogojem, da:
one of those undertakings effectively exercises, through centralised coordination, a dominant influence over the decisions, including financial decisions, of the other undertakings that are part of the group; and,
eno od podjetij na podlagi centraliziranega usklajevanja učinkovito izvaja prevladujoč vpliv pri odločitvah, tudi finančnih, vseh podjetij v skupini; in
the establishment and dissolution of such relationships for the purposes of this Title are subject to prior approval by the group supervisor,
je za vzpostavitev ali razpustitev takšnega finančnega razmerja za namene tega naslova potrebna predhodna odobritev nadzornika skupine;
where the undertaking exercising the centralised coordination shall be considered as the parent undertaking, and the other undertakings shall be considered as subsidiaries;
pri čemer je podjetje, ki opravlja centralizirano usklajevanje matično podjetje, ostala podjetja pa hčerinska podjetja;
‘group supervisor’ means the supervisory authority responsible for group supervision, determined in accordance with Article 247;
„nadzornik skupine“ pomeni nadzorni organ, ki je odgovoren za nadzor skupine, določen v skladu s členom 247;
‘college of supervisors’ means a permanent but flexible structure for cooperation and coordination among the supervisory authorities of the Member States concerned;
„kolegij nadzornikov“ pomeni stalno, vendar prilagodljivo sestavo za sodelovanje in usklajevanje med nadzornimi organi zadevnih držav članic;
‘insurance holding company’ means a parent undertaking which is not a mixed financial holding company within the meaning of Directive 2002/87/EC and the main business of which is to acquire and hold participations in subsidiary undertakings, where those subsidiary undertakings are exclusively or mainly insurance or reinsurance undertakings, or third-country insurance or reinsurance undertakings, at least one of such subsidiary undertakings being an insurance or reinsurance undertaking.
„zavarovalni holding“ pomeni matično podjetje, ki ni mešani finančni holding v smislu Direktive 2002/87/ES in katerega glavni posel sta pridobivanje in udeležba v hčerinskih podjetjih, kjer so ta hčerinska podjetja izključno ali predvsem zavarovalnice ali pozavarovalnice, ali zavarovalnice ali pozavarovalnice tretjih držav, pri čemer je vsaj eno takih hčerinskih podjetij zavarovalnica ali pozavarovalnica;
‘mixed-activity insurance holding company’ means a parent undertaking, other than an insurance undertaking, a third-country insurance undertaking, a reinsurance undertaking, a third-country reinsurance undertaking, an insurance holding company or a mixed financial holding company within the meaning of Directive 2002/87/EC, which includes at least one insurance or reinsurance undertaking among its subsidiary undertakings.
„mešani zavarovalni holding“ pomeni matično podjetje, ki ni zavarovalnica, zavarovalnica tretje države, pozavarovalnica, pozavarovalnica tretje države, zavarovalni holding ali mešani finančni holding v smislu Direktive 2002/87/ES, ki ima med hčerinskimi podjetji vsaj eno zavarovalnico ali pozavarovalnico;
For the purposes of this Title, the supervisory authorities shall also consider as a parent undertaking any undertaking which, in the opinion of the supervisory authorities, effectively exercises a dominant influence over another undertaking.
Za namene tega naslova nadzorni organi za matično podjetje štejejo tudi vsako drugo podjetje, ki po mnenju nadzornih organov učinkovito izvaja prevladujoči vpliv na drugo podjetje.
They shall also consider as a subsidiary undertaking any undertaking over which, in the opinion of the supervisory authorities, a parent undertaking effectively exercises a dominant influence.
Za hčerinsko podjetje štejejo tudi vsako podjetje, na katerega po mnenju nadzornih organov matično podjetje učinkovito izvaja prevladujoči vpliv.
They shall also consider as participation the holding, directly or indirectly, of voting rights or capital in an undertaking over which, in the opinion of the supervisory authorities, a significant influence is effectively exercised.
Za udeležbo štejejo tudi bodisi neposredno bodisi posredno imetništvo glasovalnih pravic ali kapitala v podjetju, na katero se po mnenju nadzornih organov učinkovito izvaja znaten vpliv.
Cases of application and scope
Primeri uporabe in področje uporabe
Cases of application of group supervision
Primeri uporabe nadzora skupin
Member States shall provide for supervision, at the level of the group, of insurance and reinsurance undertakings which are part of a group, in accordance with this Title.
Države članice na ravni skupin zagotovijo nadzor zavarovalnic in pozavarovalnic, ki so del skupine, v skladu s tem naslovom.
The provisions of this Directive which lay down the rules for the supervision of insurance and reinsurance undertakings taken individually shall continue to apply to such undertakings, except where otherwise provided under this Title.
Določbe te direktive, ki določajo pravila za nadzor posameznih zavarovalnic in pozavarovalnic, se še naprej uporabljajo za taka podjetja, razen če je v tem naslovu določeno drugače.
Member States shall ensure that supervision at the level of the group applies as follows:
Države članice zagotovijo, da se nadzor na ravni skupine izvaja nad:
to insurance or reinsurance undertakings, which are a participating undertaking in at least one insurance undertaking, reinsurance undertaking, third-country insurance undertaking or third-country reinsurance undertaking, in accordance with Articles 218 to 258;
zavarovalnicami ali pozavarovalnicami, ki so udeležena podjetja pri vsaj eni zavarovalnici, pozavarovalnici, zavarovalnici tretje države ali pozavarovalnici tretje države, v skladu s členi 218 do 258;
to insurance or reinsurance undertakings, the parent undertaking of which is an insurance holding company which has its head office in the Community, in accordance with Articles 218 to 258;
zavarovalnicami ali pozavarovalnicami, katerih matično podjetje je zavarovalni holding, ki ima sedež v Skupnosti, v skladu s členi 218 do 258;
to insurance or reinsurance undertakings, the parent undertaking of which is an insurance holding company having its head office outside the Community or a third-country insurance or reinsurance undertaking, in accordance with Articles 260 to 263;
zavarovalnicami ali pozavarovalnicami, katerih matično podjetje je zavarovalni holding, ki ima sedež izven Skupnosti, ali zavarovalnica ali pozavarovalnica tretje države, v skladu s členi 260 do 263;
to insurance or reinsurance undertakings, the parent undertaking of which is a mixed-activity insurance holding company, in accordance with Article 265.
zavarovalnicami ali pozavarovalnicami, katerih matično podjetje je mešani zavarovalni holding, v skladu s členom 265.