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Volume measure for the solvency capital requirement (SCR) for current premium risk of health insurers

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Question:

How is the volume measure for the SCR for current premium risk determined for health insurers under Solvency II?

Published: 03 December 2015

Answer:

The volume measure for the SCR for current premium risk has been laid down in Article 147 of the Solvency II Commission Delegated Regulation. For one-year health insurances the volume measure is equal to the premiums to be earned during the following 12 months from the existing portfolio and the expected renewals in the coming calendar year. Premiums yet to be earned from new production are also included in this. These comprise all premium payments related to the insurance contracts covering the following 12 months, irrespective of the timing of their receipt.

If the estimate of premiums to be earned in the next 12 months is lower than the observed premiums earned in the past 12 months, the premiums earned in the past 12 months will serve as the volume measure.

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