The most important decisions on the future of the insurance industry are not primarily taken in Germany, but they are put forward before in Brussels. That is the reason why our engagement is particularly important there.

Since May 2015 the German Association of the Insured (BdV) is member of Better Finance, the most important umbrella organization of non-governmental organizations in the EU in the finance sector. Since April 2016 BdV is member of the board of Better Finance. In this way we are able to push forward our positions on directives and regulations referring to financial services.

In a critical and constructive way we review as well the proposals coming from Brussels with regard to the other European institutions, especially to the European Insurance Supervisory Authority (EIOPA) in Frankfurt, by publishing comments.


EIOPA OPSG 11 October 2023

  • Petra Hielkema (EIOPA Chair), 8th from the right
  • Aleksandra Maczynska (Better Finance Acting Managing Director), 11th from the right;
  • Dr. Christian Gülich (Bund der Versicherten / Vice-President Better Finance), 9th from the left. 

Die wichtigen Entscheidungen über die Zukunft der Versicherungswirtschaft werden nicht zuerst in Deutschland getroffen, sondern sie werden zuvor bereits in Brüssel auf den Weg gebracht. Daher ist unser Engagement dort besonders wichtig.

Seit Mai 2015 ist der Bund der Versicherten e. V. (BdV) Mitglied bei „Better Finance“ - der größten Dachorganisation von unabhängigen Verbraucherverbänden (NGOs) in den EU-Staaten, die auf Finanzdienstleistungen spezialisiert sind. Seit April 2016 ist der BdV Mitglied im Vorstand von Better Finance. So können wir uns bei neuen Richtlinien und Regularien rund um das Thema Finanzdienstleistungen einbringen.

Kritisch und konstruktiv begleiten wir die Brüsseler Vorhaben auch gegenüber den europäischen Institutionen, insbesondere der europäischen Versicherungsaufsicht EIOPA in Frankfurt, in weiteren Stellungnahmen.


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Solvency Reports 2021

BdV and BETTER FINANCE once again examine the stability of life insurers in neighbouring EU countries. 

Solvency reports (SFCR) 2021 under examination: the Body Mass Index of the life-insurance Industry.

By 13 January 2023, the Commission shall review the IORPs II Directive and report on its implementation and effectiveness to the European Parliament and to the Council (based on article 62 (1) of EU/2016/2341). Therefore EIOPA as the competent European Supervisory Authority will have to give advice to the EU Commission on this review in 2022. Read more.

Digitalization, Price Optimization and Transparancy: enhanced concerns for consumers revealed by EIOPA. Read more.

Europa | 14.09.2018

In principle it is possible that "usage-based insurances" based on Big Data may result in more individualized tariffs in a positive way. But these positive outcomes are only possible under far-reaching prerequisites fulfilled by the insurers with regard to the promotion of public awareness, of consumer education and of consumer rights, especially of a high level of transparency.


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