巴西再保险:新的机会和挑战

原文始发于微信公众号(瑞中法协):巴西再保险:新的机会和挑战




近期,监管巴西(再)保险市场的私人保险监督局(SUSEP)实施了最新的监管变革,这些新的监管措施将为巴西再保险市场带来新的机会和挑战。Natalia Zulzke是巴西Tozzinifreire律师事务所律师,为《瑞中法律评论》新闻摘要栏目投稿。张天泽翻译。







Brazilian (Re)Insurance Market
巴西再保险市场


The Superintendence of Private Insurance (SUSEP) that regulates the Brazilian (re)insurance market introduced recent regulatory changes, such as: 

近期,监管巴西(再)保险市场的私人保险监督局(SUSEP)实施了最新的监管变革,例如


  • New limits for reinsurance cessions – insurers may assign reinsurance to occasional reinsurers (foreign entities authorized to do business in Brazil) up to 95% of the total premiums issued in reinsurance in an annual basis (the previous limit was 10%). Additionally, local reinsurers may assign reinsurance to occasional reinsurers up to 95% of the total premiums on the risks they have underwritten, in an annual basis (the previous limit was 50%).

    保险的新限制–保险公司可以将保险分配给非巴西实体的再保险公司(获准在巴西开展业务的外国实体),最高不超过每年再保险发行保费总额的95%(之前的限额是10%)。此外,本地再保险公司可根据其承保的风险,每年向非巴西实体的再保险公司分配最高至总保费的95%的再保险(以前的限额为50%)。


  • Opportunities in infrastructure projects impact several lines of insurance (guarantee, property, engineering, liability, etc.).

    基础设施项目中的机会会影响多个保险类别(担保,财产,工程,责任等)。


  • Regulatory Sandbox to promote InsurTechs.推出监管沙盒,以推广保险科技。


  • New rules for the wording of insurance products and segmentation between large risks and consumer risks.

    再保险产品措辞上,新规则对大风进行明示,并区别对待了消费者风险之间的细分。


  • New rules for insurers and local reinsurers using ILS (Insurance Linked Securities) that allow diversified foreign investments.

    更新了ILS(保险连结证券)的保险公司和本地再保险公司的新规定,允许多元化的外国投资。


Furthermore, the LGPD (Brazilian General Data Protection Act) will create and increase demand for cyber risk insurance and for data transfer agreement in order to comply with the Brazilian law.Consequently, many opportunities for foreign entities are coming, considering greater competition, legal certainty, flexibility, and credibility in the Brazilian (re)insurance market.


此外,LGPD(巴西通用数据保护法)创建并增加了对网络风险保险和数据传输协议相关要求,以遵守巴西法律。总而言之,新的规范促进了巴西(再)保险市场上的竞争,加之法律确定性,以及灵活度和信誉,外国实体将面临许多机遇。


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