Le assicurazioni permeano in profondità ogni campo di una società . assicurazione a carico delle “Ccnl dirigenza ruoli sanitario, professionale, tecnico. CCNL: the National Collective Labor Contracts stipulated by ANIA and the trade Assicurazioni S.p.A. and Amissima Vita S.p.A., and by the. Read the latest magazines about Ania and discover magazines on Share. Leaflet – Fondazione ANIA Assicurazioni sulla vita RENDITE VITALIZIE – Ania.

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View job listing details and apply now. The economy has suffered badly because of the financial crisis, the effects of which have been felt in Italy in recent years, but it now shows the first indications of improvement. Notwithstanding such a positive projection, the lastest assessments released by the Italian National Statistical Institute 2 for the fourth quarter of the past year pointed out ccnl assicurazioni ania fact that inItalian GDP increased by a mere 0. In contrast with the non-life insurance market, Italian life insurers all reported aniw lower operating profitability in with deterioration of premium assicuraizoni drop and investment returns both in anddriven by the decline of interest rates ahia stock-market volatility.

This trend will continue throughout because interest rates are at the lowest point they have been in decades. It is evident that, despite the difficulties in relaunching the internal economy, Italy is still a fertile ground for insurance underwriters, and provides interesting opportunities for prudent insurers and reinsurers especially in the newly reformed casualty insurance market.

On 1 JanuaryIVASS took over all functions previously carried out by ISVAP, including the supervision of intermediaries and the distribution of insurance products for better coordination between the control and regulation of the financial promoters. The President promotes and coordinates the activities of the Council, which is responsible for the overall administration of the institute.

The Directorate is competent to direct public body activities ccnl assicurazioni ania adopt strategic decisions. IVASS should establish more focused supervisory controls upon life and non-life insurance companies to bring down insurance costs and, consequently, premiums.


Having implemented a new regulation concerning its organisational structure, IVASS became quite active. These norms implemented the provisions ccnl assicurazioni ania by Article 22, Paragraph 8 of Development Decree No. This regulation lays down rules and minimal requirements to promote more effective management of insurance e-commerce or services offered electronically through insurance portals or the website of insurance and reinsurance companies.


Furthermore, this Naia introduced an obligation for intermediaries to facilitate electronic payment, and specified that intermediaries should make the electronic documentation and information package available to customers who have chosen to receive them.

In respect of insurers, this regulation established the prohibition of requiring documentation that is already in their possession having been obtained on the conclusion of a previous contract. This ban does not apply if ccnl assicurazioni ania documentation anai question is no longer valid.

More precisely, under the Italian legislation, the admitted insurers should meet the existing requirements for authorisation, and have the minimal share capital or guarantee fund fully paid up in cash.

New insurance and reinsurance companies that wish to undertake or start a new business in Italy can do so only after being authorised or licensed by IVASS through an order if the undertaking has its head office in Italyor by an acknowledgement of the formal communication made by the company along with confirmation of the supervisory authority of the state where the company has its registered office.

The order or the acknowledgement of the formal communication must be published in the Official Gazette, and the newly authorised or licensed insurance company may start underwriting insurance or reinsurance only after such publication. The most important are: If a company is appointed as general representative then the registered office must be within the territory of Italy. It is also refused if no proof is given that the share capital or guarantee fund has been fully paid up, or that the organisation fund is actually and immediately available to the company.

ccnl assicurazioni ania pdf

An IVASS order refusing the authorisation is notified to the company by means of a registered letter with advice of receipt within six months from the date of the complete application with all documents required by law or with the assocurazioni documents and information requested by the authority. If six months elapse with no response received by the applicant company, then the authorisation shall be considered refused.

Solvency II is based on three pillars: The sole financial requirement is that the incorporating ccnl assicurazioni ania or the new company resulting from the merger has the necessary solvency margin, taking into account the merger and the consolidated liabilities. In the case of a merger, the entire operation, the relevant arrangements, and the new ccnl assicurazioni ania and articles of incorporation must be presented to and reviewed by the insurance regulator, which can make observations assicurazoni ensure cccnl with the law and to ccnl assicurazioni ania the insured.


There are no restrictions regarding investments in or the acquisition of an insurance or reinsurance company, provided that the funding of the operation does not breach any anti-money laundering provision or public policy.

While reviewing the merger, and the new memorandum and articles of incorporation, IVASS performs a limited background investigation of the officers and directors of the acquirer or of the new company to ensure that they all respect the Civil Code provisions and meet the applicable legal requirements.

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Should an insurance or reinsurance company enter into serious financial difficulties, Articles to of the Private Insurance Code provide for the administrative compulsory winding up of insolvent or assicurazini troubled insurance and reinsurance companies.

The regulatory framework is complex, with its articles detailing and providing for the exclusive conduct of reinsurance activities by companies with a registered office in Italy or Italian branches of companies with ccnl assicurazioni ania offices abroad or cnl ; the procedures for authorising such activities; and companies that have a registered office in Italy and authorisation exclusively to conduct reinsurance activities to carry on such activities in other EU Member States under the applicable regulations on freedom of establishment cccnl freedom to provide services.

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