finma_versicherungsrecht · 20241018_i_ti_o_01 · 2024-10-18 · it
18. Oktober 2024 Tessin Italienisch
Versicherungsrecht


!"" #"$ %


&$$


'( *+,-+./ -/(/*012 -/(
34+5,60(/ .061260(/ -/((/ 077+.,408+26+
9$!$ :
 
;
$$ ?


!
 # $ "" #$;$
!" @ A " !


B3 C
## !D E 







FG C
## !D E 


$
$ !$ $
!

$H $
"$

! " %E I$;$

 #"
 
 " "$J






$! +6 L0112

E %
#$;$
@ I! J E& > 
:
 $
 "
%M !$ NNNNNNNNNN >$!
!
" 
!

" #
 !$

$A $
!

$H $
"$ $ IQR TUVWRVU X R YRV ZU[\] ^R_ `a YUbbVRc] dedf
X _U cg^UggcZh ic]VgR_cUVU gU__R [cWjVR Vck]g]WkcjZR_U Wcg] R ZR_U ^RZR
U kcl Wcg] R^ jgmUTUgZjR_U VcRknjcWcoc]gU ^U__R kR\RkcZh _RT]VRZcT]
VcW\UZZcTR[UgZU Wcg] R_ ZUV[cgU [RWWc[] ^mUV]iRoc]gU ^c cg^UggcZh
ic]VgR_cUVU ^R \RVZU ^U__mRWWckjVRZ]VUpJ $" 
 # $"D

v wcU xUWU__WkyRYZ bUZVUcbZ ^cU W]ocR_U zVRg{UgTUVWckyUVjgi c[ |cggU ^UW
}jg^UWiUWUZoUW ~bUV ^cU zVRg{UgTUVWckyUVjgi zx jg^ ^cU ]b_ciRZ]VcWkyU
gYR__TUVWckyUVjgi c[ |cggU ^UW }jg^UWiUWUZoUW ~bUV ^cU gYR__TUVWckyUVjgi
x [cZ ^Ug cg ^cUWU[ xUWUZo T]ViUWUyUgUg cgWkyVg{jgiUg wRgUbUg {Rgg
WcU c[ Ry[Ug ^UV bjg^UWVUkyZ_ckyUg |kyVRg{Ug UcZUVU UVWckyUVjgiWRVZUg
RgbcUZUg wcU xUWU__WkyRYZ {Rgg R__U UkyZWiUWkyYZU RbWky_cUWWUg ^cU iUUcigUZ
Wcg^ ^Ug Uk{ ^UV xUWU__WkyRYZ oj YV^UVg ]^UV ^cU ^cVU{Z ]^UV cg^cVU{Z ^R[cZ
c[ jWR[[UgyRgi WZUyUg |cU {Rgg Wcky c[ Ry[Ug ^UV jYWckyZWiUWUZoiUbjgi
zVRg{UgTUVWckyUVjgiWRjYWckyZWiUWUZo
zx
jg^
zVRg{UgTUVWckyUVjgiWRjYWckyZWTUV]V^gjgi z Rg Rg^UVUg gZUVgUy[Ug
bUZUc_ciUg Wcky [cZ W]_kyUg ojWR[[UgWky_cUWWUg ]^UV W]_kyU iV~g^Ugp

 
:
 t #$
"P$;$
"$ "$$ 7=?598@8:A5BC=6:49:DEDF?5G 5A@=JK58 8JK85;5
?5G9=A9:qN;8Rq=447L5G5?5G5;8@8:A5;5 ?@6

:A ?;454;
V7B7BD;W*)+))") )%$!*")%!+! !-./
XYRZ!+!+MMMMMMMMMM[+)#!%,)%!#\!%)%N")+!
) ,,""#*$!NN!$!%!"))"#*+ +*#!+
$)*)1;I95
=
4@;;
554;
455#]#))**!"
+#1    5 44
^^^^^^^^^^6

_655544
44=
4 B8B7BD
=6?>@6

H5=4646?>>@GVB7BD6`
G :;?@?AB C

(7
&8#
 D 
  $ =
E&'-F
'%  
  
 6"   
  $
  
  
  
  

"  $ D )
BG 
 B H#" I 
 H" I  
 ) JJJ
 

 
 ) DF
&'&'
( . &&
 &'&'  

&
 "   
  #$ 6
 
% "  
 K@?LMN A 
 D O B# &'&(A

PQSTUVWXSTYZ[SW\UYUS]]TUYTU[S^WT\UYT_]_YTU`TYZ]STW[S]\SVZ]\ZWUWa]\
b`VUYTU\SVZ]\Y\\SVYT_]\_`cbZdc]TUYWV]\eZ^Y\\SVYT_]fcYZYgW]\`_WYZ]hiVj
Z]\Y\\SVYT_]\b]VU]g]aYWTcYZYgW]\`ScW\]\eZYklmj[SWn]V\]TUg]\
WTg]cTWUd\o`SVTYZWpV]\]T_Y\g^WT_YbY_WUdg]UVYnYWZ_YS\d]bYVST]cYZYgW]j
\`TU[SYZWqWd]\g^Y\\SVYT_]\_`cbZdc]TUYWV]\eZ^Y\\SVYT_]fcYZYgW]\`_WYZ]YS
\]T\g]_]UU]gW\b`\WUW`TQk^YVUhrlslT^`qqV]YSt_YTU`T\[S]g]St`bUW`T\u
\`WUWT\UWUS]VST]YSU`VWUdoSgW_WYWV]\UYUSYTU]TWT\UYT_]STW[S]]UZSW\`Sc]UUV]
U`S\Z]\ZWUWa]\c]TUW`TTd\gYT\_]UU]gW\b`\WUW`Tj\`WUV]T`T_]Ve_]UU]oSVWgW_UW`T
\bd_WYZ]]U]TV]\U]VYSVdaWc]`VgWTYWV]Yn]_g]StWT\UYT_]\_YTU`TYZ]\jZ^ST]
b`SVZ]gV`WUg]\Y\\SVYT_]\\`_WYZ]\jZ^YSUV]b`SVZ]gV`WUbVWndhk]\_YTU`T\\`TU
V]\b`T\YXZ]\gSVpaZ]c]TUg]ZY_`cbdU]T_]cYUdVW]ZZ]j_^]\UfefgWV]gS_v`Wtg]
Z^WT\UYT_]_YTU`TYZ]STW[S]`Sg`SXZ]]Ug]ZY_`cbdU]T_]q`T_UW`TT]ZZ]hwZqYSU
g`T_\]VdqdV]VYStT`Vc]\_YTU`TYZ]\b`SV_`TTYxUV][S]Z]\UZ]UVWXSTYZ
_`cbdU]TUb`SV\UYUS]V\SVZ]\ZWUWa]\g^Y\\SVYT_]b]VU]g]aYWTcYZYgW]\`ScW\
eZYklmhk]\ZWUWa]\V]ZYUWq\YStY\\SVYT_]\_`cbZdc]TUYWV]\eZ^Y\\SVYT_]f
cYZYgW]\`_WYZ]T]\`TUbY\\`ScW\eZYbV`_dgSV]g]_`T_WZWYUW`TbVdYZYXZ]g]
Z^YVUhyzrlslZ`V\[S]Z]\_YTU`T\`TUbVdnSST]WT\UYT_]_YTU`TYZ]STW[S]\]Z`T
Z^YVUhrlslh{


 


    
 
 !" "
  
 !   #
$

   $


$
%&'%(
)
*+,./012,3.2425678/9:;, ?@?AB8:617;.3./;1C3;:2.124,3.3C;/.3
D2;7.70571E9;/629:;, FGHIAJ2303553.789187571E.175K5;37E53;9;/5/3.3
L:E7M;3 ;385;705763= @12; 8:578N:7;3 :2 0;75M;3 .3 ,: 01L9,/L3E5:;75/ B
, ?@? 3P7C3A7,N:25J23, 01E87.=T=U]^QH_Q`+aQQaaQb+RRc`RQaaA
b28:5d63;870e3;2EC3E d2;81d7:,3E ^;:Ef3E63;870e3;2ECAUZUUA9=Wg E=gh]
_QaiOjQ^kl Rki+RQaaA 7E i0em37d3;780e3 b767,9;1d3881;.E2EC nb@koA
l;2EE3;35:,=n/.=oA61,=+AU3/.=UZT[AEpU:.:;5=>?@? 35,38;/N/;3E038
075/38]q+cHi?_rORQ`HcacHA19=075=AEpW:.:;5=>?@? 35,38;/N/;3E038
075/38]
_QQiYi?_GsR@IA
7E
i0em37d3;780e3
b767,9;1d3881;.E2ECA
^2;df1LL3E5:;A\3/.=UZUTAEpF:.:;5=>?@?V=a ?@?E 
=.?=.2,66=/-:2/8 8>
?
 




 



 

@" 
?



& 
 "/",.&,)" #&,)ABCDEFGHIDHKLM
LINOFHPDIQCDPPGLIKGRLMOLGSTGRILHITHDNIUGHKDUGHPLGQDODLPI
QIVFPPFSDPDODNNFRDSIHPIW !"$$$)#
"X 6:==>8>





 



0

 

0 #


0&&

&



 5


 -







&&



& 
Y7Z=[6 8>
 #&,)&





3 



 

&


 
f


&




g



 

 6:==>8>
" ..


 - .++/%

&



" +",- !()*+"#

' 1


& 1
&
 
 





 0

 1
4
 !"$$$
)#
" 

5
3

''
 &
0

4 &3
0

4
0&&

&
 !"$$$)#
"
()*+"#
"(.%%*+"#' 
+",-
4
 


&

5 


1


 !"$$$)#
"
()*+"#
"

&



3








1
 
 h
'
 

 
 1 &



 
0 
 0
 3&
 0
 



 '


&




3

1







3
3




 
















 !"#
 $%&

'



( !") "*+ !"( !")'' !")
( !")'' !")( !")*"(

+ !")
,-

.












'


(




-%"

 



'




' 

/0/12/
" 
-3



 

',"$







 





++

&

 








&





/






'


&+





4
&
 

'




5
6" -3 7$

-3
8'





9' $'


',"
-%"
:; ?ABCC?= DD?E FF?; CA?F C?I H;?GF BHF^_?CBLBHFABH FABE?EEaG?H;BE=G>I^BEbCM?GFcd?Ccd
efg _BCMBL=C ; IBAB=BGE H
AB=G _HBG;BEABGH>BGEEaGCBE=G>H;>=?ak
^C^LBHFEAa; j>;?F> C>?F> EB
AM?EEaG?H;BLBFlC?A>E= F> GBE
l;BFFBj>HcfB=BHA?HFbCM?EEaGBaGHM?EEaLB?a;aHB _?F> Hj GB;FBBHIBGECBE=BGE L=CBLBHFCBE
h^H^j>;>?>GBEAa; jE F=?GCBaGBL=C $
1 1 (, -> + 
24 -$, '$ $& % 1

&- $?*,'% > 1?$@ $%+ && &$r&%&
$tt$r$&$C+&
7 & & +t& +$ + &$ & & $
&%+$& &$++&& $&#++ t
$t$r&%&$+!& rv>$&#rv++&
$+ &%&tx$++&& &
$&s rt$$ r+C$$+&$+#7
$& $r&%& z $r + x rv>$& # 
tt %+vt$+%+&%y%$&++ t$t$
+%$+%$+A *7
#
*t&+ +$ t%+tx %+$r++ &
$ t & &$t&%+ x 
 & $ +& % +&& s &
&%% & $r$%t z& { $
% $H
ji^XTXPLOTLMKMUYQLQUVMSMKKOSXLLYQTONXPPMOKKOPUMKLOKMpQPKOLQRO|RMSQ
PXmYO}QKLMPLXSMKKOTXYNOOmmOYMUVQOYXMKOYMpXKO]UVMLYXROQKPJX
~XTSONMTLXTMK~OLLXUVMQMTM~QUQOYQPXTXPUXTXPUQJLQpMTMYOKNMTLM
OKKOPPQUJYOLXYM MmXPPXTX UONQOYM TMKUXYPXSMKKO RQpMTO SMK
UXTLYOLLX]NMTLYMPXTXMTTXLQQTRMUMOKSOLXYMSQKORXYXXMSOLXYM
SQKORXYX]ROOmmKQUOLOi
TpMTMYM]QTUOPXSQUXTLOLLXSQYMLLXLYOMTM~QUQOYQXSMKKMmYMPLOQXTQ
MSOPPQUJYOLXYM]JMPLJKLQNXNMLLMOSQPmXPQQXTMSMKMTM~QUQOYQXKM
W\ YQPmMLLQRONMTLMKMWI\ UVMYMppXTXKOmXKQO]PQLYOLLOQT
pMTMYM SQSXUJNMTLQUVM PQYMmMYQPUXTX TMQPQLQQTLMYTMLSMpKQ
OPPQUJYOLXYQMTXTUXNmYMTSXTXSOLQPMTPQQKQi^XTQTRMUMKOmXKQO
PLOTLQQSOLQSMpTQSQmYXLMQXTMUVMMPPOUXTLQMTM|NOPPOPOKOYQOKM
ONNXTLOYMSMQmYMNQMMRMTLJOKQYQPMYRMYMKOLQRMTMQUXT~YXTLQSQ
SMLMYNQTOLQMTM~QUQOYQ}i


  
 


 
 
 
 

!"#$ %&&(
&) !"#$ %&*(#
+&%,"#,#"&!&!&*,! , "")&-%"&,! , ""-%"#
.#)&,&!.&&%/&%&!#(&,"0"" 1213&+&%&0"($$#" %&,1%#
1%&)&*1 &0!&(#+&%,"#,&!1, /%/&%&!&4 
 5
 
 


6 7 8 
 
 
9 :

 9 
 
; 99 ? @ 


 ? : ; 9E
@
H@I


 9 B
 :

 66 
 A9 9

 
 


; 

 

A :

A 

 
R6OHOS@




 



 



 

 

 




 
!




"



!

 
!



#$
%&'()*+,-./*0-./*-*
%&'+)--1,-./--1-./--*

2&'/*13-($!%&'+)34(,-./3
/(-./3$%&'+)*0/,-./3 1-./3
*/5**$%&'()+.+,-./+-0
-./(-*-$%&'
+)/4(,-./(+-./(

/-)


#
//+676

/*) 


#0(/676$! 89:; ?@@,A8BCD?E=>?@@FG-./4*
/10(6763+(///+6764./$
%&'+)/0+,-././4-./.--/

2&'/*4+4%&'+)(*(,-./(/H
-./3
3+$!%&6)*3-./010/*-./0$
%&6)*3-./4/.0(-./1$%&6)*3-./431-*
-./16
"

! 




 
)&/

I

"!
  
 
  JK



#

=6
F)
!

#
  


6)6%)
)&/


#


L
!#**6)



/+ 
=



#/0
-..4 !

/#

6M'*.N
...
# //

!/.-.O
6M'*N
...6M'3N
... "
 /*

PQRSTVWXRYWZ[S\RS]^T]T^_WTY[\^RW`aR`T^[`W\WbWTSTT`[
]^[S\R_WTYW[S[bcW\[[`dTYT^R^WTVTac\TWYeRS[R``R]^[S[Y\[\R^WZZR[
Y[`QRSTWYQcW`[]R^\WQT`R^W\fV[`QRSTTb`WWY\[^[SSWV[``[]R^\WWY
QRcSR`TbWcS\WZWQgWYTh`dRc\T^W\fQTX][\[Y\[]ciV[^TbR^[R``[
VWS]TSW_WTYW]^[Q[V[Y\Wj
"










 






!




"



!





#
 





!

!




$%

!


 

%

&' 
!


!




(
)*!+
,-./&)0)1)2)-
1


 









!!









 '*'
!




3
!
#

!







!!

 

'3


!



)



!

#
3
#






!




1
!






3,,

-


!



3
4)1'
5




5

,




,#







)

!1))11*1))11!


+
1
))1
2
5



5

,,!!

6
!6

!


!


,
,

!
+
,-%/-0)))!))
&7.+
)8)1)
)7$
.6)-11
))7+9:;; 
+!!



')&-
&#
!


!


,

!
,
!

,,







!






 ,



!

!

 ! +
 ,-./&)0)1)2)-
1


'











+9:;; >>#-. !!#6!

> 
!
?  !@> "
16# 
? +A !@ 
1B 
 
 
19 

B ? 
 1 


1
 ?!-
!-C+6

11 
  

 

6!  !


,


EFGHFIJIKLJMNONGFI

#!C #P #
?+Q#8JKRLFNSIT

!C  ?

!U
# "18JKRLFNSI!

-!7
 !

!C?8 
 1

?+V#W
!

!+  >7XY!

  > +

>
U ,=AX