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Policyholder Protection Schemes: Selected Considerations


  • OECD


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.

Suggested Citation

  • Oecd, 2013. "Policyholder Protection Schemes: Selected Considerations," OECD Working Papers on Finance, Insurance and Private Pensions 31, OECD Publishing.
  • Handle: RePEc:oec:dafaad:31-en
    DOI: 10.1787/5k46l8sz94g0-en

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

    JEL classification:

    • D02 - Microeconomics - - General - - - Institutions: Design, Formation, Operations, and Impact
    • F36 - International Economics - - International Finance - - - Financial Aspects of Economic Integration
    • F42 - International Economics - - Macroeconomic Aspects of International Trade and Finance - - - International Policy Coordination and Transmission
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • H12 - Public Economics - - Structure and Scope of Government - - - Crisis Management

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