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Directive 2009/138/EC of the European Parliament and of the CouncilShow full title

Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II) (recast) (Text with EEA relevance)

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  1. Introductory Text

  2. TITLE I GENERAL RULES ON THE TAKING-UP AND PURSUIT OF DIRECT INSURANCE AND REINSURANCE ACTIVITIES

    1. CHAPTER I Subject matter, scope and definitions

      1. Section 1 Subject matter and scope

        1. Article 1.Subject matter

        2. Article 2.Scope

      2. Section 2 Exclusions from scope

        1. Subsection 1 General

          1. Article 3.Statutory systems

          2. Article 4.Exclusion from scope due to size

        2. Subsection 2 Non-life

          1. Article 5.Operations

          2. Article 6.Assistance

          3. Article 7.Mutual undertakings

          4. Article 8.Institutions

        3. Subsection 3 Life

          1. Article 9.Operations and activities

          2. Article 10.Organisations, undertakings and institutions

        4. Subsection 4 Reinsurance

          1. Article 11.Reinsurance

          2. Article 12.Reinsurance undertakings closing their activity

      3. Section 3 Definitions

        1. Article 13.Definitions

    2. CHAPTER II Taking-up of business

      1. Article 14.Principle of authorisation

      2. Article 15.Scope of authorisation

      3. Article 16.Ancillary risks

      4. Article 17.Legal form of the insurance or reinsurance undertaking

      5. Article 18.Conditions for authorisation

      6. Article 19.Close links

      7. Article 20.Head office of insurance undertakings and reinsurance undertakings

      8. Article 21.Policy conditions and scales of premiums

      9. Article 22.Economic requirements of the market

      10. Article 23.Scheme of operations

      11. Article 24.Shareholders and members with qualifying holdings

      12. Article 25.Refusal of authorisation

      13. Article 25a. Notification and publication of authorisations or withdrawals of authorisation

      14. Article 26.Prior consultation of the authorities of other Member States

    3. CHAPTER III Supervisory authorities and general rules

      1. Article 27.Main objective of supervision

      2. Article 28.Financial stability and pro-cyclicality

      3. Article 29.General principles of supervision

      4. Article 30.Supervisory authorities and scope of supervision

      5. Article 31.Transparency and accountability

      6. Article 32.Prohibition of refusal of reinsurance contracts or retrocession contracts

      7. Article 33.Supervision of branches established in another Member State

      8. Article 34.General supervisory powers

      9. Article 35.Information to be provided for supervisory purposes

      10. Article 36.Supervisory review process

      11. Article 37.Capital add-on

      12. Article 38.Supervision of outsourced functions and activities

      13. Article 39.Transfer of portfolio

    4. CHAPTER IV Conditions governing business

      1. Section 1 Responsibility of the administrative, management or supervisory body

        1. Article 40.Responsibility of the administrative, management or supervisory body

      2. Section 2 System of governance

        1. Article 41.General governance requirements

        2. Article 42.Fit and proper requirements for persons who effectively run the undertaking or have other key functions

        3. Article 43.Proof of good repute

        4. Article 44.Risk management

        5. Article 45.Own risk and solvency assessment

        6. Article 46.Internal control

        7. Article 47.Internal audit

        8. Article 48.Actuarial function

        9. Article 49.Outsourcing

        10. Article 50. Delegated acts and regulatory technical standards

      3. Section 3 Public disclosure

        1. Article 51.Report on solvency and financial condition: contents

        2. Article 52. Information for and reports by the European Insurance and Occupational Pensions Authority

        3. Article 53.Report on solvency and financial condition: applicable principles

        4. Article 54.Report on solvency and financial condition: updates and additional voluntary information

        5. Article 55.Report on solvency and financial condition: policy and approval

        6. Article 56. Solvency and financial condition report: delegated acts and implementing technical standards

      4. Section 4 Qualifying holdings

        1. Article 57.Acquisitions

        2. Article 58.Assessment period

        3. Article 59.Assessment

        4. Article 60.Acquisitions by regulated financial undertakings

        5. Article 61.Information to the supervisory authority by the insurance or reinsurance undertaking

        6. Article 62.Qualifying holdings, powers of the supervisory authority

        7. Article 63.Voting rights

      5. Section 5 Professional secrecy, exchange of information and promotion of supervisory convergence

        1. Article 64.Professional secrecy

        2. Article 65.Exchange of information between supervisory authorities of Member States

        3. Article 65a. Cooperation with EIOPA

        4. Article 66.Cooperation agreements with third countries

        5. Article 67.Use of confidential information

        6. Article 67a. European Parliament powers of investigation

        7. Article 68.Exchange of information with other authorities

        8. Article 69.Disclosure of information to government administrations responsible for financial legislation

        9. Article 70. Transmission of information to central banks, monetary authorities, payment systems overseers and the European Systemic Risk Board

        10. Article 71.Supervisory convergence

      6. Section 6 Duties of auditors

        1. Article 72.Duties of auditors

    5. CHAPTER V Pursuit of life and non-life insurance activity

      1. Article 73.Pursuit of life and non-life insurance activity

      2. Article 74.Separation of life and non-life insurance management

    6. CHAPTER VI Rules relating to the valuation of assets and liabilities, technical provisions, own funds, Solvency Capital Requirement, Minimum Capital Requirement and investment rules

      1. Section 1 Valuation of assets and liabilities

        1. Article 75.Valuation of assets and liabilities

      2. Section 2 Rules relating to technical provisions

        1. Article 76.General provisions

        2. Article 77.Calculation of technical provisions

        3. Article 77a. Extrapolation of the relevant risk-free interest rate term structure

        4. Article 77b. Matching adjustment to the relevant risk-free interest rate term structure

        5. Article 77c. Calculation of the matching adjustment

        6. Article 77d. Volatility adjustment to the relevant risk-free interest rate term structure

        7. Article 77e. Technical information produced by the European Insurance and Occupational Pensions Authority

        8. Article 77f. Review of long-term guarantees measures and measures on equity risk

        9. Article 78.Other elements to be taken into account in the calculation of technical provisions

        10. Article 79.Valuation of financial guarantees and contractual options included in insurance and reinsurance contracts

        11. Article 80.Segmentation

        12. Article 81.Recoverables from reinsurance contracts and special purpose vehicles

        13. Article 82.Data quality and application of approximations, including case-by-case approaches, for technical provisions

        14. Article 83.Comparison against experience

        15. Article 84.Appropriateness of the level of technical provisions

        16. Article 85.Increase of technical provisions

        17. Article 86. Delegated acts and regulatory and implementing technical standards

      3. Section 3 Own funds

        1. Subsection 1 Determination of own funds

          1. Article 87.Own funds

          2. Article 88.Basic own funds

          3. Article 89.Ancillary own funds

          4. Article 90.Supervisory approval of ancillary own funds

          5. Article 91.Surplus funds

          6. Article 92.Implementing measures

        2. Subsection 2 Classification of own funds

          1. Article 93.Characteristics and features used to classify own funds into tiers

          2. Article 94.Main criteria for the classification into tiers

          3. Article 95.Classification of own funds into tiers

          4. Article 96.Classification of specific insurance own-fund items

          5. Article 97. Delegated acts and regulatory technical standards

        3. Subsection 3 Eligibility of own funds

          1. Article 98.Eligibility and limits applicable to Tiers 1, 2 and 3

          2. Article 99. Delegated acts on the eligibility of own funds

      4. Section 4 Solvency capital requirement

        1. Subsection 1 General provisions for the solvency capital requirement using the standard formula or an internal model

          1. Article 100.General provisions

          2. Article 101.Calculation of the Solvency Capital Requirement

          3. Article 102.Frequency of calculation

        2. Subsection 2 Solvency capital requirement standard formula

          1. Article 103.Structure of the standard formula

          2. Article 104.Design of the Basic Solvency Capital Requirement

          3. Article 105.Calculation of the Basic Solvency Capital Requirement

          4. Article 106.Calculation of the equity risk sub-module: symmetric adjustment mechanism

          5. Article 107.Capital requirement for operational risk

          6. Article 108.Adjustment for the loss-absorbing capacity of technical provisions and deferred taxes

          7. Article 109.Simplifications in the standard formula

          8. Article 109a. Harmonised technical inputs to standard formula

          9. Article 110.Significant deviations from the assumptions underlying the standard formula calculation

          10. Article 111. Delegated acts and regulatory and implementing technical standards concerning Articles 103 to 109

        3. Subsection 3 Solvency capital requirement full and partial internal models

          1. Article 112.General provisions for the approval of full and partial internal models

          2. Article 113.Specific provisions for the approval of partial internal models

          3. Article 114. Delegated acts and implementing technical standards concerning the Solvency Capital Requirement internal models

          4. Article 115.Policy for changing the full and partial internal models

          5. Article 116.Responsibilities of the administrative, management or supervisory bodies

          6. Article 117.Reversion to the standard formula

          7. Article 118.Non-compliance of the internal model

          8. Article 119.Significant deviations from the assumptions underlying the standard formula calculation

          9. Article 120.Use test

          10. Article 121.Statistical quality standards

          11. Article 122.Calibration standards

          12. Article 123.Profit and loss attribution

          13. Article 124.Validation standards

          14. Article 125.Documentation standards

          15. Article 126.External models and data

          16. Article 127. Delegated acts concerning Articles 120 to 126

      5. Section 5 Minimum capital requirement

        1. Article 128.General provisions

        2. Article 129.Calculation of the Minimum Capital Requirement

        3. Article 130. Delegated acts

        4. Article 131.Transitional arrangements regarding compliance with the Minimum Capital Requirement

      6. Section 6 Investments

        1. Article 132.Prudent person principle

        2. Article 133.Freedom of investment

        3. Article 134.Localisation of assets and prohibition of pledging of assets

        4. Article 135. Delegated acts and regulatory technical standards concerning qualitative requirements

    7. CHAPTER VII Insurance and reinsurance undertakings in difficulty or in an irregular situation

      1. Article 136.Identification and notification of deteriorating financial conditions by the insurance and reinsurance undertaking

      2. Article 137.Non-Compliance with technical provisions

      3. Article 138.Non-Compliance with the Solvency Capital Requirement

      4. Article 139.Non-Compliance with the Minimum Capital Requirement

      5. Article 140.Prohibition of free disposal of assets located within the territory of a Member State

      6. Article 141.Supervisory powers in deteriorating financial conditions

      7. Article 142.Recovery plan and finance scheme

      8. Article 143. Delegated acts and regulatory technical standards concerning Article 138(4)

      9. Article 144.Withdrawal of authorisation

    8. CHAPTER VIII Right of establishment and freedom to provide services

      1. Section 1 Establishment by insurance undertakings

        1. Article 145.Conditions for branch establishment

        2. Article 146.Communication of information

      2. Section 2 Freedom to provide services: by insurance undertakings

        1. Subsection 1 General provisions

          1. Article 147.Prior notification to the home Member State

          2. Article 148.Notification by the home Member State

          3. Article 149. Changes in the nature of the risks or commitments

        2. Subsection 2 Third party motor vehicle liability

          1. Article 150.Compulsory insurance on third party motor vehicle liability

          2. Article 151.Non-discrimination of persons pursuing claims

          3. Article 152.Representative

      3. Section 3 Competencies of the supervisory authorities of the host member state

        1. Subsection 1 Insurance

          1. Article 153.Language

          2. Article 154.Prior notification and prior approval

          3. Article 155.Insurance undertakings not complying with the legal provisions

          4. Article 156.Advertising

          5. Article 157.Taxes on premiums

        2. Subsection 2 Reinsurance

          1. Article 158.Reinsurance undertakings not complying with the legal provisions

      4. Section 4 Statistical information

        1. Article 159. Statistical information on cross-border activities

      5. Section 5 Treatment of contracts of branches in winding-up proceedings

        1. Article 160.Winding-up of insurance undertakings

        2. Article 161.Winding-up of reinsurance undertakings

    9. CHAPTER IX Branches established within the community and belonging to insurance or reinsurance undertakings with head offices situated outside the community

      1. Section 1 Taking-up of business

        1. Article 162.Principle of authorisation and conditions

        2. Article 163.Scheme of operations of the branch

        3. Article 164.Transfer of portfolio

        4. Article 165.Technical provisions

        5. Article 166.Solvency Capital Requirement and Minimum Capital Requirement

        6. Article 167.Advantages to undertakings authorised in more than one Member State

        7. Article 168.Accounting, prudential and statistical information and undertakings in difficulty

        8. Article 169.Separation of non-life and life business

        9. Article 170.Withdrawal of authorisation for undertakings authorised in more than one Member State

        10. Article 171.Agreements with third countries

      2. Section 2 Reinsurance

        1. Article 172. Equivalence in relation to reinsurance undertakings

        2. Article 173.Prohibition of pledging of assets

        3. Article 174.Principle and conditions for conducting reinsurance activity

        4. Article 175.Agreements with third countries

    10. CHAPTER X Subsidiaries of insurance and reinsurance undertakings governed by the laws of a third country and acquisitions of holdings by such undertakings

      1. Article 176.Information from Member States to the Commission

      2. Article 177.Third-country treatment of Community insurance and reinsurance undertakings

  3. TITLE II SPECIFIC PROVISIONS FOR INSURANCE AND REINSURANCE

    1. CHAPTER I Applicable law and conditions of direct insurance contracts

      1. Section 1 Applicable law

        1. Article 178.Applicable Law

      2. Section 2 Compulsory insurance

        1. Article 179.Related obligations

      3. Section 3 General good

        1. Article 180.General good

      4. Section 4 Conditions of insurance contracts and scales of premiums

        1. Article 181.Non-life insurance

        2. Article 182.Life insurance

      5. Section 5 Information for policy holders

        1. Subsection 1 Non-life insurance

          1. Article 183.General Information for policy holders

          2. Article 184.Additional information in the case of non-life insurance offered under the right of establishment or the freedom to provide services

        2. Subsection 2 Life insurance

          1. Article 185.Information for policy holders

          2. Article 186.Cancellation period

    2. CHAPTER II Provisions specific to non-life insurance

      1. Section 1 General provisions

        1. Article 187.Policy Conditions

        2. Article 188.Abolition of monopolies

        3. Article 189.Participation in national guarantee schemes

      2. Section 2 Community co-insurance

        1. Article 190.Community co-insurance operations

        2. Article 191.Participation in Community co-insurance

        3. Article 192.Technical provisions

        4. Article 193.Statistical data

        5. Article 194.Treatment of co-insurance contracts in winding-up proceedings

        6. Article 195.Exchange of information between supervisory authorities

        7. Article 196.Cooperation on implementation

      3. Section 3 Assistance

        1. Article 197.Activities similar to tourist assistance

      4. Section 4 Legal expenses insurance

        1. Article 198.Scope of this Section

        2. Article 199.Separate contracts

        3. Article 200.Management of claims

        4. Article 201.Free choice of lawyer

        5. Article 202.Exception to the free choice of lawyer

        6. Article 203.Arbitration

        7. Article 204.Conflict of interest

        8. Article 205.Abolition of specialisation of legal expenses insurance

      5. Section 5 Health insurance

        1. Article 206.Health insurance as an alternative to social security

      6. Section 6 Insurance against accidents at work

        1. Article 207.Compulsory insurance against accidents at work

    3. CHAPTER III Provisions specific to life insurance

      1. Article 208.Prohibition on compulsory ceding of part of underwriting

      2. Article 209.Premiums for new business

    4. CHAPTER IV Rules specific to reinsurance

      1. Article 210.Finite reinsurance

      2. Article 211.Special purpose vehicles

  4. TITLE III SUPERVISION OF INSURANCE AND REINSURANCE UNDERTAKINGS IN A GROUP

    1. CHAPTER I Group supervision: definitions, cases of application, scope and levels

      1. Section 1 Definitions

        1. Article 212.Definitions

      2. Section 2 Cases of application and scope

        1. Article 213.Cases of application of group supervision

        2. Article 214.Scope of group supervision

      3. Section 3 Levels

        1. Article 215.Ultimate parent undertaking at Community level

        2. Article 216.Ultimate parent undertaking at national level

        3. Article 217.Parent undertaking covering several Member States

    2. CHAPTER II Financial position

      1. Section 1 Group solvency

        1. Subsection 1 General provisions

          1. Article 218.Supervision of group solvency

          2. Article 219. Frequency of calculation

        2. Subsection 2 Choice of calculation method and general principles

          1. Article 220.Choice of method

          2. Article 221.Inclusion of proportional share

          3. Article 222.Elimination of double use of eligible own funds

          4. Article 223.Elimination of the intra-group creation of capital

          5. Article 224.Valuation

        3. Subsection 3 Application of the calculation methods

          1. Article 225.Related insurance and reinsurance undertakings

          2. Article 226. Intermediate insurance holding companies

          3. Article 227. Equivalence concerning related third-country insurance and re-insurance undertakings

          4. Article 228.Related credit institutions, investment firms and financial institutions

          5. Article 229.Non-availability of the necessary information

        4. Subsection 4 Calculation methods

          1. Article 230.Method 1 (Default method): Accounting consolidation-based method

          2. Article 231. Group internal model

          3. Article 232.Group capital add-on

          4. Article 233.Method 2 (Alternative method): Deduction and aggregation method

          5. Article 234. Delegated acts concerning Articles 220 to 229 and 230 to 233

        5. Subsection 5 Supervision of group solvency for insurance and reinsurance undertakings that are subsidiaries of an insurance holding company or a mixed financial holding company

          1. Article 235. Group solvency of an insurance holding company or a mixed financial holding company

        6. Subsection 6 Supervision of group solvency for groups with centralised risk management

          1. Article 236.Subsidiaries of an insurance or reinsurance undertaking: conditions

          2. Article 237. Subsidiaries of an insurance or reinsurance undertaking: decision on the application

          3. Article 238.Subsidiaries of an insurance or reinsurance undertaking: determination of the Solvency Capital Requirement

          4. Article 239.Subsidiaries of an insurance or reinsurance undertaking: non-compliance with the Solvency and Minimum Capital Requirements

          5. Article 240.Subsidiaries of an insurance or reinsurance undertaking: end of derogations for a subsidiary

          6. Article 241. Subsidiaries of an insurance or reinsurance undertaking: delegated acts

          7. Article 242.Review

          8. Article 243. Subsidiaries of an insurance holding company and mixed financial holding company

      2. Section 2 Risk concentration and intra-group transactions

        1. Article 244.Supervision of risk concentration

        2. Article 245.Supervision of intra-group transactions

      3. Section 3 Risk management and internal control

        1. Article 246.Supervision of the system of governance

    3. CHAPTER III Measures to facilitate group supervision

      1. Article 247.Group Supervisor

      2. Article 248.Rights and duties of the group supervisor and the other supervisors College of supervisors

      3. Article 249.Cooperation and exchange of information between supervisory authorities

      4. Article 250. Consultation between supervisory authorities

      5. Article 251.Requests from the group supervisor to other supervisory authorities

      6. Article 252.Cooperation with authorities responsible for credit institutions and investment firms

      7. Article 253.Professional secrecy and confidentiality

      8. Article 254.Access to information

      9. Article 255.Verification of information

      10. Article 256.Group solvency and financial condition report

      11. Article 256a. Group structure

      12. Article 257. Administrative, management or supervisory body of insurance holding companies and mixed financial holding companies

      13. Article 258.Enforcement measures

      14. Article 259. Reporting of EIOPA

    4. CHAPTER IV Third countries

      1. Article 260. Parent undertakings outside the Union: verification of equivalence

      2. Article 261.Parent undertakings outside the Community: equivalence

      3. Article 262. Parent undertakings registered in a third country: absence of equivalence

      4. Article 263.Parent undertakings outside the Community: levels

      5. Article 264.Cooperation with third-country supervisory authorities

    5. CHAPTER V Mixed-activity insurance holding companies

      1. Article 265.Intra-group transactions

      2. Article 266.Cooperation with third countries

  5. TITLE IV REORGANISATION AND WINDING-UP OF INSURANCE UNDERTAKINGS

    1. CHAPTER I Scope and definitions

      1. Article 267.Scope of this Title

      2. Article 268.Definitions

    2. CHAPTER II Reorganisation measures

      1. Article 269.Adoption of reorganisation measures applicable law

      2. Article 270.Information to the supervisory authorities

      3. Article 271.Publication of decisions on reorganisation measures

      4. Article 272.Information to known creditors right to lodge claims

    3. CHAPTER III Winding-up proceedings

      1. Article 273.Opening of winding-up proceedings information to the supervisory authorities

      2. Article 274.Applicable law

      3. Article 275.Treatment of insurance claims

      4. Article 276.Special register

      5. Article 277.Subrogation to a guarantee scheme

      6. Article 278.Representation of preferential claims by assets

      7. Article 279.Withdrawal of the authorisation

      8. Article 280.Publication of decisions on winding-up proceedings

      9. Article 281.Information to known creditors

      10. Article 282.Right to lodge claims

      11. Article 283.Languages and form

      12. Article 284.Regular information to the creditors

    4. CHAPTER IV Common provisions

      1. Article 285.Effects on certain contracts and rights

      2. Article 286.Rights in rem of third parties

      3. Article 287.Reservation of title

      4. Article 288.Set-off

      5. Article 289.Regulated markets

      6. Article 290.Detrimental acts

      7. Article 291.Protection of third-party purchasers

      8. Article 292.Lawsuits pending

      9. Article 293.Administrators and liquidators

      10. Article 294.Registration in a public register

      11. Article 295.Professional secrecy

      12. Article 296.Treatment of branches of third-country insurance undertakings

  6. TITLE V OTHER PROVISIONS

    1. Article 297.Right to apply to the courts

    2. Article 298.Cooperation between the Member States and the Commission

    3. Article 299.Euro

    4. Article 300.Revision of amounts expressed in euro

    5. Article 301. Committee procedure

    6. Article 301a. Exercise of the delegation

    7. Article 301b. Sunrise provision for regulatory technical standards

    8. Article 302.Notifications submitted prior to entry into force of the laws, regulations and administrative provisions necessary to comply with Articles 57 to 63

    9. Article 303.Amendments to Directive 2003/41/EC

    10. Article 304.Duration-based equity risk sub-module

  7. TITLE VI TRANSITIONAL AND FINAL PROVISIONS

    1. CHAPTER I Transitional provisions

      1. Section 1 Insurance

        1. Article 305.Derogations and abolition of restrictive measures

        2. Article 306.Rights acquired by existing branches and insurance undertakings

      2. Section 2 Reinsurance

        1. Article 307.Transitional period for Articles 57(3) and 60(6) of Directive 2005/68/EC

        2. Article 308.Right acquired by existing reinsurance undertakings

      3. Section 3 Insurance and reinsurance

        1. Article 308a. Phasing-in

        2. Article 308b. Transitional measures

        3. Article 308c. Transitional measure on the risk-free interest rates

        4. Article 308d. Transitional measure on technical provisions

        5. Article 308e. Phasing-in plan on the transitional measures on risk-free interest rates and on technical provisions

    2. CHAPTER II Final provisions

      1. Article 309.Transposition

      2. Article 310.Repeal

      3. Article 311. Entry into force

      4. Article 312.Addressees

    1. ANNEX I

      CLASSES OF NON-LIFE INSURANCE

      1. A. Classification of risks according to classes of insurance

        1. 1. Accident (including industrial injury and occupational diseases):

        2. 2. Sickness:

        3. 3. Land vehicles (other than railway rolling stock)

        4. 4. Railway rolling stock

        5. 5. Aircraft

        6. 6. Ships (sea, lake and river and canal vessels)

        7. 7. Goods in transit (including merchandise, baggage, and all other goods)...

        8. 8. Fire and natural forces

        9. 9. Other damage to property

        10. 10. Motor vehicle liability

        11. 11. Aircraft liability

        12. 12. Liability for ships (sea, lake and river and canal vessels)...

        13. 13. General liability

        14. 14. Credit:

        15. 15. Suretyship:

        16. 16. Miscellaneous financial loss:

        17. 17. Legal expenses

        18. 18. Assistance

      2. B. Description of authorisations granted for more than one class of...

    2. ANNEX II

      CLASSES OF LIFE INSURANCE

      1. The life insurance referred to in points (a)(i), (ii) and...

    3. ANNEX III

      LEGAL FORMS OF UNDERTAKINGS

      1. A. Forms of non-life insurance undertaking:

      2. B. Forms of life insurance undertaking:

      3. C. Forms of reinsurance undertaking:

    4. ANNEX IV

      SOLVENCY CAPITAL REQUIREMENT (SCR) STANDARD FORMULA

      1. 1. Calculation of the Basic Solvency Capital Requirement

      2. 2. Calculation of the non-life underwriting risk module

      3. 3. Calculation of the life underwriting risk module

      4. 4. Calculation of the market risk module

    5. ANNEX V

      GROUPS OF NON-LIFE INSURANCE CLASSES FOR THE PURPOSES OF ARTICLE 159

      1. Accident and sickness (classes 1 and 2 of Annex I),...

    6. ANNEX VI

      1. PART A Repealed Directives with list of their successive amendments

      2. PART B List of time-limits for transposition into national law

    7. ANNEX VII

      CORRELATION TABLE

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