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Policyholder Protection Schemes: Selected Considerations

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    Abstract

    This paper investigates policyholder protection schemes in OECD member countries and selected non-OECD countries. It is selective in its scope: it examines the rationale for a policyholder protection scheme; the relationship between certain design features and moral hazard; the role of a policyholder protection scheme within the overall resolution framework; and some cross-border features of these schemes. While the paper focuses on protection schemes for policyholders, it seeks to draw lessons from compensation schemes in the banking and occupational pension fund sectors, while recognising sectoral differences. Ce rapport étudie les régimes de protection des titulaires de polices d’assurance dans les pays Membres de l’OCDE et dans certains pays non Membres. Son champ d’étude est sélectif : il porte sur les raisons présidant à l’existence de ces régimes ; les relations entre certaines dispositions et l’aléa moral ; le rôle du régime de protection des assurés au sein du cadre globale de résolution des défaillances ; et certains aspects de ces régimes relatifs aux défaillances concernant plusieurs États. Tout en ciblant sa réflexion sur les régimes de protection des assurés, ce rapport tente de tirer des enseignements des mécanismes d’indemnisation existant dans le secteur bancaire et les plans de retraite professionnels, tout en mettant au jour les différences sectorielles.

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    Bibliographic Info

    Paper provided by OECD Publishing in its series OECD Working Papers on Finance, Insurance and Private Pensions with number 31.

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    Date of creation: 10 May 2013
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    Handle: RePEc:oec:dafaad:31-en

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    Keywords: moral hazard; resolution; insurance sector; insurer insolvency; policyholder protection; insurance guarantee; cross-border resolution; protection des titulaires de police d’assurance; garantie d’assurance; résolution; insolvabilité des entreprises d’assurance; assurance; aléa moral;

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