1731

If one company has contracts for “Accident” (1 classification of risks according to classes of insurance from the DIRECTIVE 2009/138/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2009 page 116) and not “Sickness” (2 classification) and the contracts have coverages both for income protection and medical expenses, in which category must put the premiums and the reserve to calculate the health risk; In Medical expenses category, in income protection category or to split the premiums and the reserve separately for each category; Also, in this case, there is health cat risk, or not (because the contracts "Accident" are on 1 classification and not in 2 classification)?