natgillin/translations-raw huggingface dataset:
the supervision of insurance and reinsurance groups;
nadzor zavarovalniških in pozavarovalniških skupin;
the reorganisation and winding-up of direct insurance undertakings.
reorganizacije in prenehanja zavarovalnic, ki opravljajo dejavnost neposrednega zavarovanja.
Article 2
ČLEN 2
This Directive shall apply to direct life and non-life insurance undertakings which are established in the territory of a Member State or which wish to become established there.
Ta direktiva se uporablja za zavarovalnice za neposredno življenjsko in neživljenjsko zavarovanje, ustanovljene na ozemlju države članice, ali zavarovalnice, ki želijo biti tam ustanovljene.
It shall also apply to reinsurance undertakings which conduct only reinsurance activities and which are established in the territory of a Member State or which wish to become established there with the exception of Title IV.
Uporablja se tudi za pozavarovalnice, ki izvajajo le dejavnosti pozavarovanja in so ustanovljene na ozemlju države članice ali se tam želijo ustanoviti, z izjemo naslova IV.
In regard to non-life insurance, this Directive shall apply to activities of the classes set out in Part A of Annex I. For the purposes of the first subparagraph of paragraph 1, non-life insurance shall include the activity which consists of assistance provided for persons who get into difficulties while travelling, while away from their home or their habitual residence.
Kar zadeva neživljenjsko zavarovanje, se ta direktiva uporablja za dejavnosti neživljenjskega zavarovanja v razredih, ki so določeni v delu A Priloge I. Za namene prvega pododstavka odstavka 1 neživljenjsko zavarovanje vključuje dejavnost, ki je pomoč, zagotovljena osebam, ki zaidejo v težave med potovanjem, ko so odsotne od svojega doma ali običajnega prebivališča.
It shall comprise an undertaking, against prior payment of a premium, to make aid immediately available to the beneficiary under an assistance contract where that person is in difficulties following the occurrence of a chance event, in the cases and under the conditions set out in the contract.
Pomoč je v tem, da podjetje za vnaprejšnje plačilo premije daje pomoč upravičencu iz pogodbe o zavarovanju pomoči, ko je le-ta v težavah, ki so posledica naključnega dogodka, in sicer v primerih in pod pogoji, določenimi v pogodbi.
The aid may comprise the provision of benefits in cash or in kind.
Pomoč je lahko zagotovljena v obliki povračila v denarju ali naravi.
The provision of benefits in kind may also be effected by means of the staff and equipment of the person providing them.
Povračila v naravi so lahko dana z osebjem in opremo osebe, ki jih zagotavlja.
The assistance activity shall not cover servicing, maintenance, after-sales service or the mere indication or provision of aid as an intermediary.
Dejavnost zavarovanja pomoči ne obsega servisiranja, vzdrževanja, poprodajnih storitev ali preprostih nasvetov ali preproste pomoči v funkciji posrednika.
In regard to life insurance, this Directive shall apply:
Kar zadeva življenjsko zavarovanje, se ta direktiva uporablja za:
to the following life insurance activities where they are on a contractual basis:
naslednje dejavnosti življenjskega zavarovanja, če izhajajo iz pogodb:
life insurance which comprises assurance on survival to a stipulated age only, assurance on death only, assurance on survival to a stipulated age or on earlier death, life assurance with return of premiums, marriage assurance, birth assurance;
življenjsko zavarovanje, ki ga sestavljajo zavarovanje za primer doživetja, zavarovanje za primer smrti, mešano zavarovanje, življenjsko zavarovanje z vračilom premij, zavarovanje za primer poroke, zavarovanje za primer rojstva;
annuities;
rente;
supplementary insurance underwritten in addition to life insurance, in particular, insurance against personal injury including incapacity for employment, insurance against death resulting from an accident and insurance against disability resulting from an accident or sickness;
dodatna zavarovanja, sklenjena poleg življenjskega zavarovanja, zlasti zavarovanje zoper telesno poškodbo, vključno z delovno nesposobnostjo, zavarovanje za primer smrti, ki je posledica nesreče, in zavarovanje za primer invalidnosti, ki je posledica nesreče ali bolezni;
types of permanent health insurance not subject to cancellation currently existing in Ireland and the United Kingdom;
vrste trajnega zdravstvenega zavarovanja, ki trenutno ni predmet odstopa in ki obstaja na Irskem in v Združenem kraljestvu;
to the following operations, where they are on a contractual basis, in so far as they are subject to supervision by the authorities responsible for the supervision of private insurance:
naslednje posle, ki izhajajo iz pogodb, kolikor jih nadzirajo organi, pristojni za nadzor zasebnega zavarovanja:
operations whereby associations of subscribers are set up with a view to capitalising their contributions jointly and subsequently distributing the assets thus accumulated among the survivors or among the beneficiaries of the deceased (tontines);
posle, s katerimi so združenja naročnikov ustanovljena z namenom, da skupaj kapitalizirajo svoje prispevke in nato sredstva, ki se tako naberejo, porazdelijo med preživele ali med upravičence pokojnih (tontine);
capital redemption operations based on actuarial calculation whereby, in return for single or periodic payments agreed in advance, commitments of specified duration and amount are undertaken;
zavarovanje s kapitalizacijo, ki temelji na zavarovalno-tehničnih izračunih, s katerim se, v zameno za eno plačilo ali periodna plačila, dogovorjena vnaprej, sprejmejo obveznosti z določenim trajanjem in zneskom;
management of group pension funds, comprising the management of investments, and in particular the assets representing the reserves of bodies that effect payments on death or survival or in the event of discontinuance or curtailment of activity;
upravljanje skupinskih pokojninskih skladov, ki zajemajo upravljanje naložb, in zlasti sredstva, ki predstavljajo rezerve organov, ki izvršujejo plačila ob smrti ali doživetju ali v primeru prekinitve ali zmanjšanju dejavnosti;
the operations referred to in point (iii) where they are accompanied by insurance covering either conservation of capital or payment of a minimum interest;
posle iz točke (iii), kadar jih spremlja zavarovanje, ki krije ohranjanje kapitala ali plačilo minimalnih obresti;
the operations carried out by life insurance undertakings such as those referred to in Chapter 1, Title 4 of Book IV of the French ‘Code des assurances’;
posle, ki jih opravljajo življenjske zavarovalnice, kot so posli iz Poglavja 1, Naslov 4, Knjige IV francoskega „Code des assurances“,
to operations relating to the length of human life which are prescribed by or provided for in social insurance legislation, in so far as they are effected or managed by life insurance undertakings at their own risk in accordance with the laws of a Member State.
posle, ki se nanašajo na dolžino človeškega življenja in ki so predpisani ali opredeljeni v zakonodaji o socialnem zavarovanju, če jih opravljajo ali upravljajo življenjske zavarovalnice na njihovo lastno odgovornost v skladu s pravom države članice.
Exclusions from scope
Izjeme iz področja uporabe
Article 3
ČLEN 3
Statutory systems
Obvezni sistemi
Without prejudice to Article 2(3)(c), this Directive shall not apply to insurance forming part of a statutory system of social security.
Brez poseganja v točko (c) člena 2(3), se ta direktiva ne uporablja za zavarovanje v okviru obveznega sistema socialnega varstva;
Article 4
ČLEN 4
Exclusion from scope due to size
Izjeme iz področja uporabe zaradi velikosti
Without prejudice to Article 3 and Articles 5 to 10, this Directive shall not apply to an insurance undertaking which fulfils all the following conditions:
Brez poseganja v člen 3 in člene 5 do 10 se ta direktiva ne uporablja za zavarovalnice, ki izpolnjujejo vse naslednje pogoje:
the undertaking’s annual gross written premium income does not exceed EUR 5 million;
letni prihodek zavarovalnice od obračunanih bruto premij ne presega 5 milijonov EUR;
the total of the undertaking’s technical provisions, gross of the amounts recoverable from reinsurance contracts and special purpose vehicles, as referred to in Article 76, does not exceed EUR 25 million;
skupne tehnične rezervacije z izterljivimi zneski iz pozavarovalnih pogodb in namenskih družb iz člena 76 ne presegajo 25 milijonov EUR;
where the undertaking belongs to a group, the total of the technical provisions of the group defined as gross of the amounts recoverable from reinsurance contracts and special purpose vehicles does not exceed EUR 25 million;
če so zavarovalnice del skupine, skupne tehnične rezervacije skupine, opredeljene kot izterljivi zneski iz pozavarovalnih pogodb in namenskih družb, ne presegajo 25 milijonov EUR;
the business of the undertaking does not include insurance or reinsurance activities covering liability, credit and suretyship insurance risks, unless they constitute ancillary risks within the meaning of Article 16(1);
poslovanje ne obsega zavarovalnih ali pozavarovalnih dejavnosti, vključno z zavarovanjem odgovornosti ter kreditnimi in kavcijskimi zavarovalnimi tveganji, razen če pomenijo dodatno tveganje v smislu člena 16(1);
the business of the undertaking does not include reinsurance operations exceeding EUR 0,5 million of its gross written premium income or EUR 2,5 million of its technical provisions gross of the amounts recoverable from reinsurance contracts and special purpose vehicles, or more than 10 % of its gross written premium income or more than 10 % of its technical provisions gross of the amounts recoverable from reinsurance contracts and special purpose vehicles.
poslovanje podjetja ne vključuje pozavarovalnih poslov, ki presegajo 0,5 milijona EUR prihodka od obračunanih bruto premij, ali 2,5 milijona EUR od tehničnih rezervacij z izterljivimi zneski iz pozavarovalnih pogodb in namenskih družb, ali več kot 10 % prihodka od obračunanih bruto premij, ali več kot 10 % tehničnih rezervacij z izterljivimi zneski iz pozavarovalnih pogodb in namenskih družb.
If any of the amounts set out in paragraph 1 is exceeded for three consecutive years this Directive shall apply as from the fourth year.
Če se kateri koli znesek iz odstavka 1 tri leta zapored preseže, se ta direktiva uporablja od četrtega leta.
By way of derogation from paragraph 1, this Directive shall apply to all undertakings seeking authorisation to pursue insurance and reinsurance activities of which the annual gross written premium income or technical provisions gross of the amounts recoverable from reinsurance contracts and special purpose vehicles are expected to exceed any of the amounts set out in paragraph 1 within the following five years.
Z odstopanjem od odstavka 1 se ta direktiva uporablja za vsa podjetja, ki zaprosijo za dovoljenje za opravljanje dejavnosti zavarovanja in pozavarovanja in se glede njihovega letnega prihodka od obračunanih bruto premij ali bruto tehničnih rezervacij izterljivih zneskov iz pozavarovalnih pogodb in namenskih družb pričakuje, da bodo presegli katerega koli od zneskov iz odstavka 1 v naslednjih petih letih.
This Directive shall cease to apply to those insurance undertakings for which the supervisory authority has verified that all of the following conditions are met:
Ta direktiva se preneha uporabljati za zavarovalnice, za katere je nadzorni organ preveril, da so izpolnjeni vsi naslednji pogoji:
none of the thresholds set out in paragraph 1 has been exceeded for the three previous consecutive years; and
noben od zneskov iz odstavka 1 ni bil presežen v treh preteklih zaporednih letih; in
none of the thresholds set out in paragraph 1 is expected to be exceeded during the following five years.
noben od zneskov iz odstavka 1 predvidoma ne bodo presežen v naslednjih petih letih.
For as long as the insurance undertaking concerned pursues activities in accordance with Articles 145 to 149, paragraph 1 of this Article shall not apply.
Odstavek 1 tega člena se ne uporablja, če zadevna zavarovalnica še naprej opravlja dejavnosti v skladu s členi od 145 do 149.
Paragraphs 1 and 4 shall not prevent any undertaking from applying for authorisation or continuing to be authorised under this Directive.
Odstavka 1 in 4 nobenemu podjetju ne preprečujeta, da zaprosi za dovoljenje ali še naprej posluje z dovoljenjem na podlagi te direktive.
Non-life
Neživljenjsko
Article 5
ČLEN 5
Operations
Posli
In regard to non-life insurance, this Directive shall not apply to the following operations:
Kar zadeva neživljenjsko zavarovanje, se ta direktiva ne uporablja za:
capital redemption operations, as defined by the law in each Member State;
zavarovanje s kapitalizacijo, kot je opredeljeno v predpisih posameznih držav članic;
operations of provident and mutual benefit institutions whose benefits vary according to the resources available and in which the contributions of the members are determined on a flat-rate basis;
posle institucij vzajemne pomoči in vzajemnih institucij, katerih izplačila se spreminjajo glede na razpoložljive vire in pri katerih se prispevki članov določajo na pavšalni osnovi;
operations carried out by organisations not having a legal personality with the purpose of providing mutual cover for their members without there being any payment of premiums or constitution of technical reserves; or
posle, ki jih opravljajo organizacije, ki niso pravne osebe, katerih namen je vzajemna zaščita njenih članov, ne da bi se pri tem plačevale premije ali da bi se oblikovale zavarovalno-tehnične rezervacije; ali
export credit insurance operations for the account of or guaranteed by the State, or where the State is the insurer.
posle izvoznega kreditnega zavarovanja za račun države ali z garancijo države, ali pri katerem je država zavarovatelj.
Article 6
ČLEN 6
Assistance
Zavarovanje pomoči
This Directive shall not apply to an assistance activity which fulfils all the following conditions:
Ta direktiva se ne uporablja za dejavnost zavarovanja pomoči, ki izpolnjuje vse naslednje pogoje:
the assistance is provided in the event of an accident or breakdown involving a road vehicle when the accident or breakdown occurs in the territory of the Member State of the undertaking providing cover;
pomoč se zagotovi ob nesreči ali okvari, ki vključuje cestno vozilo, ko se nesreča ali okvara zgodi na ozemlju države članice podjetja, ki zagotavlja kritje;
the liability for the assistance is limited to the following operations:
odgovornost za pomoč je omejena na naslednje posle:
an on-the-spot breakdown service for which the undertaking providing cover uses, in most circumstances, its own staff and equipment;
pomoč na kraju okvare, za katero podjetje, ki daje kritje, v večini primerov uporablja svoje lastno osebje in opremo;
the conveyance of the vehicle to the nearest or the most appropriate location at which repairs may be carried out and the possible accompaniment, normally by the same means of assistance, of the driver and passengers to the nearest location from where they may continue their journey by other means; and
prevoz vozila na najbližje ali najprimernejše mesto, na katerem je mogoče opraviti popravilo, ter spremstvo voznika in potnikov z istimi sredstvi na najbližje mesto, od koder lahko nadaljujejo pot z drugimi sredstvi; in
where provided for by the home Member State of the undertaking providing cover, the conveyance of the vehicle, possibly accompanied by the driver and passengers, to their home, point of departure or original destination within the same State; and
če to predvideva matična država članica podjetja, ki zagotavlja kritje, prevoz vozila, po možnosti pa tudi voznika in potnikov, domov, do izhodiščne točke ali do prvotnega cilja v isti državi; in
the assistance is not carried out by an undertaking subject to this Directive.
pomoči ne opravlja podjetje, za katerega se uporablja ta direktiva.
In the cases referred to in points (i) and (ii) of paragraph 1(b), the condition that the accident or breakdown must have happened in the territory of the Member State of the undertaking providing cover shall not apply where the beneficiary is a member of the body providing cover and the breakdown service or conveyance of the vehicle is provided simply on presentation of a membership card, without any additional premium being paid, by a similar body in the country concerned on the basis of a reciprocal agreement, or, in the case of Ireland and the United Kingdom, where the assistance operations are provided by a single body operating in both States.
V primeru iz točk (i) in (ii) točke (b) odstavka 1 se pogoj, da se mora nesreča ali okvara zgoditi na ozemlju države članice podjetja, ki zagotavlja kritje, ne uporablja, kadar je upravičenec včlanjen v ustanovo, ki zagotavlja kritje, in kadar storitev pomoči na cesti ali prevoza vozila opravi podobna ustanova v zadevni državi na osnovi vzajemnega sporazuma le ob predložitvi članske izkaznice, ne da bi bilo treba zanjo plačati dodatno premijo, ali v primeru Irske in Združenega kraljestva, kadar dejavnost zavarovanja pomoči opravi ista ustanova, ki posluje v obeh državah.
This Directive shall not apply in the case of operations referred to in point (iii) of paragraph 1(b), where the accident or the breakdown has occurred in the territory of Ireland or, in the case of the United Kingdom, in the territory of Northern Ireland and the vehicle, possibly accompanied by the driver and passengers, is conveyed to their home, point of departure or original destination within either territory.
Ta direktiva se ne uporablja za dejavnosti iz točke (iii) točke (b) odstavka 1, kadar se je nesreča ali okvara zgodila na ozemlju Irske ali - v primeru Združenega kraljestva - na ozemlju Severne Irske in se vozilo, po možnosti tudi voznika in potnike, prepelje domov, do izhodiščne točke ali do prvotnega cilja v enem od obeh ozemelj.
This Directive shall not apply to assistance operations carried out by the Automobile Club of the Grand Duchy of Luxembourg where the accident or the breakdown of a road vehicle has occurred outside the territory of the Grand Duchy of Luxembourg and the assistance consists in conveying the vehicle which has been involved in that accident or breakdown, possibly accompanied by the driver and passengers, to their home.
Ta direktiva se ne uporablja za dejavnost zavarovanja pomoči, ki jo opravi Avtomobilski klub Velikega vojvodstva Luksemburg, kadar se je nesreča ali okvara cestnega vozila zgodila izven ozemlja Velikega vojvodstva Luksemburg in kadar pomoč obsega prevoz vozila, ki je bilo vpleteno v to nesrečo ali okvaro, po možnosti skupaj z voznikom in potniki, domov.
Article 7
ČLEN 7
Mutual undertakings
Družbe za vzajemno zavarovanje
This Directive shall not apply to mutual undertakings which pursue non-life insurance activities and which have concluded with other mutual undertakings an agreement which provides for the full reinsurance of the insurance policies issued by them or under which the accepting undertaking is to meet the liabilities arising under such policies in the place of the ceding undertaking.
Ta direktiva se ne uporablja za družbe za vzajemno zavarovanje, ki izvajajo dejavnosti neživljenjskega zavarovanja in ki so z drugimi družbami za vzajemno zavarovanje sklenile sporazum, ki zagotavlja polno pozavarovanje zavarovalnih polic, ki so jih izdale, ali skladno s katerimi prevzemno podjetje izpolni obveznosti iz zavarovalnih pogodb namesto cedenta.
In such a case the accepting undertaking shall be subject to the rules of this Directive.
V takšnem primeru se za prevzemno podjetje uporabljajo določbe iz te direktive.
Article 8
ČLEN 8
This Directive shall not apply to the following institutions which pursue non-life insurance activities unless their statutes or the applicable law are amended as regards capacity:
Ta direktiva se ne uporablja za naslednje institucije, ki opravljajo dejavnosti neživljenjskega zavarovanja, razen če se spremeni veljavni zakon ali statut ki ureja njihove pristojnosti::
in Denmark, Falck Danmark;
na Danskem Falck Danska;
in Germany, the following semi-public institutions:
V Nemčiji naslednje poldržavne institucije:
in Ireland, the Voluntary Health Insurance Board;
na Irskem Voluntary Health Insurance Board;
in Spain, the Consorcio de Compensación de Seguros.
v Španiji Consorcio de Compensación de Seguros.
Life
Življenjsko
Article 9
ČLEN 9
Operations and activities
Posli in dejavnosti
In regard to life insurance, this Directive shall not apply to the following operations and activities:
Kar zadeva življenjsko zavarovanje, se ta direktiva ne uporablja za naslednje posle in dejavnosti:
operations of provident and mutual-benefit institutions whose benefits vary according to the resources available and which require each of their members to contribute at the appropriate flat rate;
posle podpornih in vzajemnih institucij, katerih izplačila se spreminjajo glede na razpoložljive vire in ki zahtevajo, da vsak njihov član prispeva po ustrezni pavšalni stopnji;
operations carried out by organisations, other than undertakings referred to in Article 2, whose object is to provide benefits for employed or self-employed persons belonging to an undertaking or group of undertakings, or a trade or group of trades, in the event of death or survival or of discontinuance or curtailment of activity, whether or not the commitments arising from such operations are fully covered at all times by mathematical provisions;
posle, ki jih opravljajo organizacije, ki niso podjetja iz člena 2, katerih cilj je zagotavljanje prejemkov za zaposlene ali samozaposlene osebe, ki pripadajo podjetju ali skupini podjetij ali dejavnosti ali skupini dejavnosti, v primeru smrti ali doživetja ali v primeru prekinitve ali zmanjšanja dejavnosti, ne glede na to, ali so obveznosti, ki so posledica takih poslov, ves čas v celoti krite z matematičnimi rezervacijami;
the pension activities of pension insurance undertakings prescribed in the Employees Pension Act (TyEL) and other related Finnish legislation provided that:
pokojninske dejavnosti pokojninskih zavarovalnic po Zakonu o pokojninah zaposlenih (TyEL) in drugi povezani finski zakonodaji, če:
pension insurance companies which already under Finnish law are obliged to have separate accounting and management systems for their pension activities, as from 1 January 1995, set up separate legal entities for pursuing those activities; and
pokojninske zavarovalniške družbe, ki v skladu s finskim pravom že morajo imeti ločene sisteme računovodstva in upravljanja za svoje pokojninske dejavnosti, od 1. januarja 1995 ustanovijo ločene pravne subjekte za opravljanje teh dejavnosti; in
the Finnish authorities allow, in a non-discriminatory manner, all nationals and companies of Member States to perform according to Finnish legislation the activities specified in Article 2 related to that exemption whether by means of ownership or participation in an existing insurance company or group or by means of creation or participation of new insurance companies or groups, including pension insurance companies.
finski organi brez diskriminacije dovolijo vsem državljanom in družbam držav članic, da v skladu s finsko zakonodajo opravljajo dejavnosti iz člena 2, povezane s to izjemo, z lastništvom ali udeležbo v obstoječi zavarovalniški družbi ali skupini ali z ustanovitvijo ali udeležbo novih zavarovalniških družb ali skupin, vključno s pokojninskimi zavarovalniškimi družbami.
Article 10
ČLEN 10
Organisations, undertakings and institutions
Organizacije, podjetja in institucije
In regard to life insurance, this Directive shall not apply to the following organisations, undertakings and institutions:
Kar zadeva življenjsko zavarovanje, se ta direktiva ne uporablja za naslednje organizacije, podjetja in institucije:
organisations which undertake to provide benefits solely in the event of death, where the amount of such benefits does not exceed the average funeral costs for a single death or where the benefits are provided in kind;
organizacije, ki se zavežejo, da bodo zagotavljale prejemke izključno v primeru smrti, kolikor znesek takih prejemkov ne presega povprečnih pogrebnih stroškov za eno smrt ali kolikor so prejemki v naravi;