natgillin/translations-raw huggingface dataset:
Insurance companies, pension funds and newly formed debt funds can benefit from the stable revenue streams from infrastructure debt that match longer-dated liabilities.
Zavarovalnice, pokojninski skladi in na novo vzpostavljeni dolžniški skladi lahko imajo koristi od stabilnega pritoka prihodkov iz dolga za infrastrukturo, ki se ujemajo z obveznostmi z daljšim rokom zapadlosti.
Insurance contract law as a barrier to the functioning of the internal insurance market
Zavarovalno pogodbeno pravo kot ovira za delovanje notranjega zavarovalniškega trga
Insurance contract laws – at least their semi-mandatory provisions – aim at protecting the weaker party and may be called consumer laws from a functional point of view.
Cilj zavarovalnega pogodbenega prava – vsaj njegovih polobvezujočih določb – je zaščititi šibkejšo stranko in ga lahko strokovno imenujemo pravo varstva potrošnikov.
Insurance coverage can normally be obtained to cover a transport operation using more than one mode.
Ponavadi je prevoz, pri katerem je uporabljenih več vrst prevoza, mogoče zavarovati.
Insurance customers include private households, SMEs, large corporations, associations and public authorities.
Med zavarovalniške stranke spadajo zasebna gospodinjstva, mala in srednje velika podjetja, velika korporacije, združenja in javni organi.
Insurance funds
Zavarovalni skladi
Insurance funds
Zavarovalniški skladi
Insurance groups from old Member States have also developed a strong presence in the new Member States.
V novih državah članicah so močno prisotne tudi zavarovalniške skupine iz starih držav članic.
Insurance Guarantee Schemes
Sistemi jamstev za zavarovanja
Insurance Guarantee Schemes
Zavarovalne jamstvene sheme
Insurance Guarantee Schemes (IGS) provide last-resort protection to consumers when insurers are unable to fulfil their contractual commitments.
Zavarovalne jamstvene sheme (ZJS) zagotavljajo potrošnikom zadnje sredstvo zaščite, kadar zavarovalnice niso sposobne izpolniti svojih pogodbenih obveznosti.
Insurance Guarantee Schemes (IGSs) provide last-resort protection to consumers when insurance undertakings are unable to fulfil their contractual commitments.
Zavarovalne jamstvene sheme zagotavljajo potrošnikom zadnje sredstvo zaščite, kadar zavarovalnice niso sposobne izpolniti svojih pogodbenih obveznosti.
Insurance guarantee schemes (White Paper)
Zavarovalne jamstvene sheme (bela knjiga)
Insurance has proven to be the most popular instrument to cover environmental liability, followed by bank guarantees (Austria, Belgium, Cyprus, Czech Republic, the Netherlands, Poland, Spain, and UK) and other Market Based Instruments (MBIs), such as funds, bonds, etc (Austria, Belgium, Bulgaria, Cyprus, Poland and Spain).
Zavarovanje se je izkazalo za najbolj priljubljen instrument za kritje okoljske odgovornosti, ki mu sledijo bančne garancije (Avstrija, Belgija, Ciper, Češka republika, Nizozemska, Poljska, Španija in Združeno kraljestvo) in drugi tržno zasnovani instrumenti (MBI), kot so skladi, obveznice itd. (Avstrija, Belgija, Bolgarija, Ciper, Poljska in Španija).
insurance holding companies within the meaning of Article 1(i) of Directive 98/78/EC,
zavarovalni holdingi v smislu člena 1(i) Direktive 98/78/ES,
insurance holding companies within the meaning of Article 1(i) of Directive 98/78/EC,
zavarovalnih holdingih v smislu člena 1(i) Direktive 98/78/ES,
Insurance holding companies, non-member country insurance undertakings and non-member country reinsurance undertakings
Zavarovalni holdingi, zavarovalnice države nečlanice in pozavarovalnice države nečlanice
insurance inter-mediation, such as brokerage and agency; and
posredovanje zavarovanj, kot sta posredništvo in zastopstvo, ter
Insurance intermediaries must tell customers to what extent the information represents advice about insurance products they are providing.
Zavarovalni posrednik mora stranke obvestiti tudi o tem, v kakšni meri se informacije nanašajo na svetovanje v zvezi ponujenimi zavarovalnimi produkti.
Insurance is a provider of employee benefits that are of rapidly increasing importance for the workforce - an important stakeholder.
Zavarovanje zagotavlja zaposlenim ugodnosti, ki so vse bolj pomembne za delovno silo, tj. pomembno zainteresirano stran.
Insurance is distributed through independent brokers, tied agents, banks (so-called bancassurance) and direct sales, including internet sales.
bančno zavarovalništvo) in neposredno, vključno z internetno prodajo.
Insurance is not currently obligatory for ships; the requirement laid down in the Directive that all ships, irrespective of where they are registered, must have insurance at the level of the ceilings set out in LLMC 1996, i.e. at levels three times higher than those provided for in the previous Convention, sends out a strong signal to citizens and operators.
Danes zavarovanje za ladje ni obvezno, direktiva pa zahteva, da morajo vse ladje, ne glede na to, pod katero zastavo plujejo, imeti zavarovanje v višini zgornjih meja, določenih v LLMC 1996, tj. na trikrat višjih ravneh kot so tiste iz prejšnje konvencije, kar pomeni jasno sporočilo državljanom in operaterjem.
Insurance is of vital importance for big and small businesses throughout the European Union.
Zavarovanje je bistvenega pomena za velika in mala podjetja po celotni Evropski uniji.
Insurance law is commonly divided into a general part, containing rules that apply to all insurance contracts and the law of specific branches of insurance.
Zavarovalno pravo se ponavadi deli na splošni del, ki vsebuje predpise, ki veljajo za vse zavarovalne pogodbe, in pravo posebnih zavarovalniških panog.
Insurance mediation
Zavarovalno posredovanje
Insurance mediation (recast)
Zavarovalno posredovanje (prenovitev)
Insurance mediation (recast) (to be confirmed)4
Zavarovalno posredovanje (prenovitev) (še ni potrjeno)4
Insurance mediation (recast)1
Zavarovalno posredovanje (prenovitev)1
Insurance mediation Directive revision
Revizija Direktive o zavarovalnem posredovanju
Insurance obligations in particular can be a problem for service providers.
Ponudnikom storitev lahko težave povzročajo zlasti zavarovalne obveznosti.
INSURANCE OBLIGATIONS31
Oblikovanje evropske številke socialnega zavarovanja.
Insurance of CDS should be covered that insured citizens should get money back at a certain price.
zavarovanja kreditnih menjav bi morala zagotavljati, da se državljanom povrne denar do določene vsote.
insurance on a contractual basis on the use of personal transport equipment such as a motor vehicles operating on land, boats, ships, or aircraft,
zavarovanje na podlagi pogodbe o uporabi osebnih prevoznih sredstev, kot so motorna vozila na kopnem, čolni, ladje ali letala;
insurance or reinsurance undertakings which have, as participating undertakings, undertakings within the meaning of Article 211 which have their head office situated in a third country; and
zavarovalnicami ali pozavarovalnicami, ki imajo kot udeležena podjetja podjetja v smislu člena 211 s sedežem v tretji državi, in
Insurance payments shall compensate for not more than the total cost of replacing losses referred to in paragraph 1 and shall not require or specify the type or quantity of future production.
Izplačila zavarovanja nadomestijo največ skupne stroške za nadomestitev izgub iz odstavka 1 in ne zahtevajo ali določajo vrste ali količine prihodnje pridelave.
Insurance payments should compensate not more than 100% of the income loss, at the level of the beneficiary, in the year the disaster occurred.
Plačila zavarovalnine lahko nadomestijo največ 100 % izgube dohodka, merjene na ravni upravičenca v letu nesreče.
Insurance periods in other Member States shall be regarded as based on the average Swedish pension base.
Zavarovalne dobe v drugih državah članicah se obravnavajo kot temelječe na povprečni švedski pokojninski osnovi.
Insurance plays an important social role since it covers risks which are difficult or impossible to be faced by citizens under normal circumstances.
Zavarovanje igra pomembno družbeno vlogo, saj pokriva tveganja, s katerimi se državljani v običajnih okoliščinah težko ali sploh ne morejo spoprijemati.
Insurance pools are present in Spain, France and Italy.
Skladi za zavarovanje se uporabljajo v Španiji, Franciji in Italiji.
Insurance premiums already meet this requirement by taking the driver’s risk profile into account, for example through the bonus/malus system, but premiums are based on the cost of the damage, which does not usually cover all the costs involved.
Zavarovalne premije s sistemom bonusa/malusa na primer že upoštevajo to zahtevo, saj upoštevajo rizični profil voznika, vendar pa je stopnja premije ponavadi osnovana na plačilu višine škode, ki ponavadi ne pokrije vseh stroškov.
Insurance premiums anticipating climatic changes could provide incentives for private adaptation actions.
Zavarovalne premije, ki upoštevajo podnebne spremembe, bi bile lahko spodbuda za zasebne ukrepe prilagajanja.
Insurance products
Zavarovalni produkti
Insurance products
Zavarovalni proizvodi
Insurance products with investment elements
Zavarovalni produkti z elementi naložb
Insurance provides an alternative to public ex-post compensation payments for losses caused by natural disasters at EU and national or regional level.
Zavarovanje zagotavlja alternativo naknadnim javnim plačilom odškodnin za škodo, ki so jo povzročile naravne nesreče na nacionalni in regionalni ravni EU.
Insurance requirements
Zahteve glede zavarovanja
Insurance requirements
Zahteve v zvezi z zavarovanjem
Insurance requirements applicable to air carriers and aircraft operators
Zahteve v zvezi z zavarovanjem za letalske prevoznike in operaterje
Insurance requirements are often difficult to comply with for business services and construction service providers and need to be addressed.
Lotiti se je treba zahtev glede zavarovanja, ki jih ponudniki poslovnih in gradbenih storitev pogosto težko izpolnjujejo.
Insurance scheme for members
Zavarovalna shema za člane
Insurance scheme for students
Sistem zavarovanja za študente
Insurance schemes eligible for co-financing would determine the level of compensation for production losses, due to the natural disaster in question, that exceed 30% of the average agricultural production in the preceding three-year period, or a three-year average based on the preceding five-year period, excluding the highest and the lowest entry.
Zavarovalne sheme, upravičene do sofinanciranja, bi določale stopnjo odškodnine za proizvodne izgube zaradi zadevne naravne nesreče, ki presegajo 30 % povprečne kmetijske proizvodnje, dosežene v preteklem triletnem obdobju, ali triletnega povprečja, osnovanega na predhodnem petletnem obdobju, brez najvišjih in najnižjih vnosov.
Insurance sector could develop new insurance products for reducing risks and vulnerability before disasters strike.
zavarovalni sektor bi lahko oblikoval nova zavarovanja za zmanjšanje tveganja in ogroženosti zaradi naravnih nesreč.
Insurance services and financial services require similar forms of intermediation.
Zavarovalne storitve in finančne storitve zahtevajo podobne oblike posredovanja.
insurance services, including private and public pension schemes;
zavarovalniške storitve, vključno z zasebnimi in javnimi pokojninskimi sistemi;
Insurance takes part in the management of social security schemes, such as pensions (Nordic countries), workmen’s compensation (BE, FI, PT) and national health care systems (IE, NL), often within a framework involving workers’ representatives.
Zavarovanje je del upravljanja sistemov socialne varnosti, kot so pokojnine (nordijske države), odškodnine za delavce (Belgija, Finska, Portugalska) in nacionalni sistemi zdravstvenega varstva (Irska, Nizozemska), pogosto v okviru, ki zajema predstavnike delavcev.
Insurance tax, for example, which is to be non-tax-deductible only with regard to tax levied nationally, is not comparable with corporation tax.
Tako davek na zavarovanje, ki je neodbiten le v zvezi z davki, ki se pobirajo na nacionalni ravni, ni primerljiv z davkom od dohodka pravnih oseb.
Insurance today represents an essential service in trade relations between professionals and between them and consumers.
Zavarovanje danes pomeni pomembno storitev v trgovinskih odnosih med strokovnjaki ter med strokovnjaki in potrošniki.
insurance undertakings covering the use of vehicles for the risks classified in class 10 of point A of the Annex to Directive 73/239/EEC, other than carrier's liability, and claims representatives appointed by such insurance undertakings in accordance with Article 21 of this Directive whose names shall be notified to the information centre in accordance with paragraph 2 of this Article;
zavarovalnice, ki krijejo nevarnosti, ki izhajajo iz uporabe vozil in sodijo v zavarovalno vrsto 10 iz točke A Priloge k Direktivi 73/239/EGS, z izjemo prevozniške odgovornosti, in pooblaščence za obravnavo odškodninskih zahtevkov, ki jih takšne zavarovalnice imenujejo skladno s členom 421 te direktive in katerih imena se sporočijo informacijskim centrom skladno z odstavkom 2 tega člena;
Insurance undertakings may hold non-matching assets to cover an amount not exceeding 20 % of their commitments in a particular currency.
Zavarovalnice imajo lahko neusklajene naložbe za kritje zneska, ki ne presega 20 % njihovih obveznosti v določeni valuti.
Insurance undertakings pursuing both life and non-life activities should manage those activities separately, in order to protect the interests of life policyholders.
Zavarovalnice, ki opravljajo dejavnosti življenjskega in neživljenjskega zavarovanja, morajo te dejavnosti upravljati ločeno, da bi zavarovale interese imetnikov življenjskih zavarovalnih polic.
Insurance undertakings referred to in paragraph 1(a)(iii) shall notify to the information centres of all Member States the name and address of the claims representative which they have appointed in accordance with Article 21 in each of the Member States.
2. Zavarovalnice iz odstavka 1(a)(iii)(3) obvestijo informacijske centre vseh držav članic o imenu in naslovu pooblaščenca za obravnavo odškodninskih zahtevkov, ki so ga skladno s členom 421 imenovale v vsaki državi članici.
Insurance undertakings shall not rely on excesses against the injured party to an accident as far as the insurance referred to in Article 3 is concerned.
Zavarovalnice se nasproti oškodovancem v zvezi z zavarovanjem iz člena 3(1) Direktive 72/166/EGS ne sklicujejo na franšize.
Insurance undertakings that are authorised to operate in a Member State in accordance with Council Directive 73/239/EEC26 for non-life insurance, Directive 2002/83/EC of the European Parliament and of the Council27 for life insurance, and Directive 2005/68/EC of the European Parliament and of the Council28 for reinsurance, shall be subject to the following additional rules:
Za zavarovalnice, ki imajo dovoljenje za delovanje v državi članici v skladu z Direktivo Sveta 73/239/EGS26 o neživljenjskem zavarovanju, Direktivo 2002/83/ES Evropskega parlamenta in Sveta27 o življenjskem zavarovanju ter Direktivo 2005/68/ES Evropskega parlamenta in Sveta o pozavarovanju28, veljajo naslednja dodatna pravila:
Insurance undertakings that have been authorised to operate in the Member States, in accordance with Council Directive 73/239/EEC15 for non-life insurance, Directive 2002/83/EC of the European Parliament and of the Council16 for life insurance, and Directive 2005/68/EC of the European Parliament and of the Council17 for reinsurance, shall be subject to the following additional rules:
Za zavarovalnice, ki imajo dovoljenje za delovanje v državah članicah v skladu z Direktivo Sveta 73/239/EGS15 o neživljenjskem zavarovanju, Direktivo 2002/83/ES Evropskega parlamenta in Sveta16 o življenjskem zavarovanju ter Direktivo 2005/68/ES Evropskega parlamenta in Sveta17 o pozavarovanju, veljajo naslednja dodatna pravila:
insurance undertakings to which Directives 73/239/EEC and 2002/83/EC apply;
zavarovalnice, za katere se uporabljata Direktivi 73/239/EGS in 2002/83/ES;
insurance undertakings within the meaning of Article 4 of this Directive, Article 6 of Directive 73/239/EEC, or Article 1(b) of Directive 98/78/EC of the European Parliament and of the Council*,
zavarovalnicah v smislu člena 4 te direktive, člena 6 Direktive 73/239/ES ali člena 1(b) Direktive 98/78/ES Evropskega parlamenta in Sveta*,
insurance undertakings within the meaning of Article 6 of Directive 73/239/EEC, Article 4 of Directive 2002/83/EC, or Article 1(b) of Directive 98/78/EC,
pozavarovalnice v smislu člena 6 Direktive 73/239/EGS, člena 4 Direktive 2002/83/ES ali člena 1(b) Direktive 98/78/ES,
insurance undertakings within the meaning of Article 6 of this Directive, Article 4 of Directive 2002/83/EC, or Article 1(b) of Directive 98/78/EC of the European Parliament and of the Council*,
zavarovalnicah v smislu člena 6 te direktive, člena 4 Direktive 2002/83/ES ali člena 1(b) Direktive 98/78/ES Evropskega parlamenta in Sveta*,
insurance undertakings within the meaning of Article 4 of this Directive, Article 6 of Directive 73/239/EEC, or Article 1(b) of Directive 98/78/EC of the European Parliament and of the Council of 27 October 1998 on the supplementary supervision of insurance undertakings in an insurance group64,
zavarovalnicah v smislu člena 4 te direktive, člena 6 Direktive 73/239/EGS ali člena 1(b) Direktive Evropskega parlamenta in Sveta 98/78/ES z dne 27. oktobra 1998 o dopolnilnem nadzoru nad zavarovalnicami v zavarovalniški skupini64,
insurance undertakings within the meaning of Article 6 of this Directive, Article 4 of Directive 2002/83/EC, or Article 1(b) of Directive 98/78/EC of the European Parliament and of the Council,
zavarovalnicah v smislu člena 6 te direktive, člena 4 Direktive 2002/83/ES ali člena 1(b) Direktive Evropskega parlamenta in Sveta 98/78/ES,
insurance undertakings.;
zavarovalnic.;
Insurance used as a tool for disaster management – the Green Paper on the insurance of natural and man-made disasters17 aims to involve the private sector and explore ways to effectively use insurance as an incentive for risk awareness, prevention and mitigation;
zavarovanje kot orodje za obvladovanje nesreč – Namen Zelene knjige o zavarovanju pred naravnimi nesrečami in nesrečami, ki jih povzroči človek17 je vključiti zasebni sektor ter preučiti načine za učinkovito uporabo zavarovanja kot spodbud za ozaveščanje o tveganju ter preprečevanje in zmanjševanje posledic;
Insurance — Life
3.11. Življenjsko zavarovanje
insurance,
zavarovanje,
Insurance, Reinsurance and Occupational Pensions Stakeholder Group
Interesna skupina za zavarovanja, pozavarovanja in poklicne pokojninske sklade
Insurance/reinsurance value chain, including (re-)insurance intermediaries, insurance and re-insurance undertakings, but also market-based instruments should play a key role in helping countries and regions that are particularly vulnerable to disasters to create effective financial contingency mechanisms and discourage risky behavior.
Zavarovalniška in pozavarovalniška veriga dodane vrednosti, vključno s (po)zavarovalnimi posredniki, zavarovalnicami in pozavarovalnicami, in tudi tržni instrumenti bi morali imeti ključno vlogo pri pomoči državam in regijam, ki so posebej občutljive na nesreče, da vzpostavijo učinkovite finančne mehanizme za izredne razmere in odvračajo od tveganega obnašanja.
Insurances
Zavarovanja
Insure the follow-up and an evaluation of the application of cooperation principles stated in the Document
Zagotavljanje nadaljnjih ukrepov in vrednotenje izvajanja načel sodelovanja, ki so navedena v tem dokumentu.
insured pensions and annuities where the mortality or longevity risk covered is merely ancillary.
pokojninska in rentna zavarovanja, kjer je tveganje umrljivosti ali daljše življenjske dobe samo postransko.
Insured persons who move from one country to another should not suffer any disadvantage and should not be treated worse than insured persons who remain in one country.
Zavarovanim osebam, ki se gibljejo v Skupnosti, njihova mobilnost ne sme škodovati, zagotovljena pa jim mora biti tudi enaka obravnava kot zavarovanim osebam, ki ostanejo v isti državi.
insured through an establishment in a Member State other than the State of residence of the injured party; and
ki je zavarovano pri poslovalnici v državi članici, ki ni država stalnega prebivališča oškodovanca; in
Insurers and other institutions offering financial security were not sufficiently familiar with the requirements their products had to meet to be ELD-compliant.
Zavarovalnice in druge ustanove, ki nudijo finančno jamstvo, niso bile dovolj seznanjene z zahtevami, ki so jih morali izpolnjevati njihovi produkti za skladnost z Direktivo o okoljski odgovornosti.
Insurers and reinsurers must meet certain solvency requirements to ensure that they can deliver on their promises to policyholders.
Zavarovatelji in pozavarovatelji morajo izpolnjevati določene zahteve glede solventnostnega kapitala, da lahko zagotovijo izpolnitev obljub, ki so jih dali zavarovalcem.
Insurers applying best practice will be further rewarded by investors, market participants and consumers.
Zavarovatelji, ki uporabljajo najboljšo prakso, bodo dodatno nagrajeni s strani vlagateljev, udeležencev na trgu in potrošnikov.
Insurers are allowed to collect information on gender status and ask questions about gender-specific diseases.
Zavarovalnice lahko zbirajo informacije o dejavniku spola in postavljajo vprašanja v zvezi z boleznimi, povezanimi s spolom.
Insurers are also allowed to continue to use differentiated testing limits by gender to reflect different pre-test probabilities of disease.
Zavarovalnice lahko tudi še naprej uporabljajo različne omejitve pregledov zaradi upoštevanja različnih možnosti razvoja bolezni pred pregledom.
Insurers are the producers of insurance coverage.
Zavarovatelji so proizvajalci zavarovanja.
Insurers are therefore allowed to differentiate their underwriting decision according to the gender-differentiated normal ranges advocated by the medical profession.
Zavarovalnice lahko zato sprejemajo različne odločitve v zvezi z oceno tveganja v skladu z normalnimi ravnmi glede na spol, ki jih zagovarja zdravniška stroka.
Insurers establishing themselves in another Member State could restrict themselves to providing the customer with advice through their agents, claims settlement through their competent regional offices etc. Even if insurers operated through daughter companies, insurance groups could share the effort and costs of product design.
Zavarovatelji, ki imajo sedež v drugi državi članici, bi se lahko omejili, da strankam svetujejo prek svojih agentov, škodne likvidacije opravijo prek svojih pristojnih regionalnih pisarn itd. Tudi če bi zavarovatelji delovali prek hčerinskih družb, bi si zavarovalniške skupine lahko prizadevale skupaj in delile stroške zasnove proizvoda.
Insurers have to adapt their products to local conditions including the local legal environment.
Zavarovatelji morajo svoje proizvode prilagoditi lokalnih razmeram, vključno lokalnemu pravnemu okolju.
Insurers need to be established locally, and so freedom of establishment on the spot is essential for mutual companies.
Ker je v zavarovalništvu potrebna lokalna navzočnost, je svoboda na lokalni ravni bistvenega pomena za vzajemne družbe.
Insurers providing their services across borders or establishing themselves in another Member State bring national insurance products into competition with their own policies.
Zavarovatelji, ki opravljajo čezmejne storitve ali se ustanavljajo v drugi državi članici, so privedli do tega, da nacionalni zavarovalni proizvodi konkurirajo njihovim lastnim zavarovalnim policam.
Insurers providing their services cross border or establishing themselves in another member state make national insurance products compete with their own policies.
Zavarovatelji, ki opravljajo čezmejne storitve ali se ustanavljajo v drugi državi članici, so privedli do tega, da nacionalni zavarovalni proizvodi konkurirajo njihovim lastnim zavarovalnim policam.
Insurers should provide fair information about this trade-off to users when underwriting the insurance policy as well as after a collision.
Zavarovatelji bi morali ob sklenitvi zavarovalne police in po prometni nesreči uporabnikom dati na razpolago poštene informacije o tem kompromisu.