S.28.01 Solo MCR QRT

Calculate the Minimum Capital Requirement instantly.

QRT Display Unit

Medical expense insurance and proportional reinsurance - net best estimate or TP

€

Medical expense insurance and proportional reinsurance - net written premiums

€

Income protection insurance and proportional reinsurance - net best estimate or TP

€

Income protection insurance and proportional reinsurance - net written premiums

€

Workers' compensation insurance and proportional reinsurance - net best estimate or TP

€

Workers' compensation insurance and proportional reinsurance - net written premiums

€

Motor vehicle liability insurance and proportional reinsurance - net best estimate or TP

€

Motor vehicle liability insurance and proportional reinsurance - net written premiums

€

Other motor insurance and proportional reinsurance - net best estimate or TP

€

Other motor insurance and proportional reinsurance - net written premiums

€

Marine, aviation and transport insurance and proportional reinsurance - net best estimate or TP

€

Marine, aviation and transport insurance and proportional reinsurance - net written premiums

€

Fire and other damage to property insurance and proportional reinsurance - net best estimate or TP

€

Fire and other damage to property insurance and proportional reinsurance - net written premiums

€

General liability insurance and proportional reinsurance - net best estimate or TP

€

General liability insurance and proportional reinsurance - net written premiums

€

Credit and suretyship insurance and proportional reinsurance - net best estimate or TP

€

Credit and suretyship insurance and proportional reinsurance - net written premiums

€

Legal expenses insurance and proportional reinsurance - net best estimate or TP

€

Legal expenses insurance and proportional reinsurance - net written premiums

€

Assistance and proportional reinsurance - net best estimate or TP

€

Assistance and proportional reinsurance - net written premiums

€

Miscellaneous financial loss insurance and proportional reinsurance - net best estimate or TP

€

Miscellaneous financial loss insurance and proportional reinsurance - net written premiums

€

Non-proportional health reinsurance - net best estimate or TP

€

Non-proportional health reinsurance - net written premiums

€

Non-proportional casualty reinsurance - net best estimate or TP

€

Non-proportional casualty reinsurance - net written premiums

€

Non-proportional marine, aviation and transport reinsurance - net best estimate or TP

€

Non-proportional marine, aviation and transport reinsurance - net written premiums

€

Non-proportional property reinsurance - net best estimate or TP

€

Non-proportional property reinsurance - net written premiums

€

Linear MCR

€30 041 000

Combined MCR

€30 041 000

MCR

€30 041 000

S.28.01.01.01 - Linear formula component for non-life insurance and reinsurance obligations

Row	Description	MCR components
R0010	MCRNL Result	€21 081 000Derived

S.28.01.01.02 - Background information

Row	Description	Net (of reinsurance/SPV) best estimate and TP calculated as a whole	Net (of reinsurance) written premiums in the last 12 months
R0020	Medical expense insurance and proportional reinsurance	€0Input	€0Input
R0030	Income protection insurance and proportional reinsurance	€0Input	€0Input
R0040	Workers' compensation insurance and proportional reinsurance	€0Input	€0Input
R0050	Motor vehicle liability insurance and proportional reinsurance	€60 000 000Input	€40 000 000Input
R0060	Other motor insurance and proportional reinsurance	€0Input	€0Input
R0070	Marine, aviation and transport insurance and proportional reinsurance	€0Input	€0Input
R0080	Fire and other damage to property insurance and proportional reinsurance	€50 000 000Input	€35 000 000Input
R0090	General liability insurance and proportional reinsurance	€0Input	€0Input
R0100	Credit and suretyship insurance and proportional reinsurance	€20 000 000Input	€12 000 000Input
R0110	Legal expenses insurance and proportional reinsurance	€0Input	€0Input
R0120	Assistance and proportional reinsurance	€0Input	€0Input
R0130	Miscellaneous financial loss insurance and proportional reinsurance	€0Input	€0Input
R0140	Non-proportional health reinsurance	€0Input	€0Input
R0150	Non-proportional casualty reinsurance	€0Input	€0Input
R0160	Non-proportional marine, aviation and transport reinsurance	€0Input	€0Input
R0170	Non-proportional property reinsurance	€0Input	€0Input

S.28.01.01.03 - Linear formula component for life insurance and reinsurance obligations

Row	Description	Result
R0200	MCRL Result	€8 960 000Derived

S.28.01.01.04 - Total capital at risk for all life (re)insurance obligations

Row	Description	Net (of reinsurance/SPV) best estimate and TP calculated as a whole	Net (of reinsurance/SPV) total capital at risk
R0210	Obligations with profit participation - guaranteed benefits	€200 000 000Input	N/AConstant
R0220	Obligations with profit participation - future discretionary benefits	€40 000 000Input	N/AConstant
R0230	Index-linked and unit-linked insurance obligations	€100 000 000Input	N/AConstant
R0240	Other life (re)insurance and health (re)insurance obligations	€100 000 000Input	N/AConstant
R0250	Total capital at risk for all life (re)insurance obligations	N/AConstant	€1 200 000 000Input

S.28.01.01.05 - Overall MCR calculation

Row	Description	Value
R0300	Linear MCR	€30 041 000Derived
R0310	SCR	€75 686 862Input
R0320	MCR cap	€34 059 088Derived
R0330	MCR floor	€18 921 715Derived
R0340	Combined MCR	€30 041 000Derived
R0350	Absolute floor of the MCR	€4 000 000Input
R0400	Minimum Capital Requirement	€30 041 000Derived

1Step 1

mcr_non_life_medical_expense_technical_provisions_leg

\textit{mcr\_non\_life\_medical\_expense\_technical\_provisions\_leg} = \max(0, \textit{Medical expense insurance and proportional reinsurance - net best estimate or TP}) \times 0.047

2Step 2

mcr_non_life_medical_expense_written_premiums_leg

\textit{mcr\_non\_life\_medical\_expense\_written\_premiums\_leg} = \max(0, \textit{Medical expense insurance and proportional reinsurance - net written premiums}) \times 0.047

3Step 3

mcr_non_life_medical_expense_linear_component

\textit{mcr\_non\_life\_medical\_expense\_linear\_component} = \textit{mcr\_non\_life\_medical\_expense\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_medical\_expense\_written\_premiums\_leg}

4Step 4

mcr_non_life_income_protection_technical_provisions_leg

\textit{mcr\_non\_life\_income\_protection\_technical\_provisions\_leg} = \max(0, \textit{Income protection insurance and proportional reinsurance - net best estimate or TP}) \times 0.131

5Step 5

mcr_non_life_income_protection_written_premiums_leg

\textit{mcr\_non\_life\_income\_protection\_written\_premiums\_leg} = \max(0, \textit{Income protection insurance and proportional reinsurance - net written premiums}) \times 0.085

6Step 6

mcr_non_life_income_protection_linear_component

\textit{mcr\_non\_life\_income\_protection\_linear\_component} = \textit{mcr\_non\_life\_income\_protection\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_income\_protection\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_income\_protection\_linear\_component} &= \textit{mcr\_non\_life\_income\_protection\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_income\_protection\_written\_premiums\_leg}\end{aligned}

7Step 7

mcr_non_life_workers_compensation_technical_provisions_leg

\textit{mcr\_non\_life\_workers\_compensation\_technical\_provisions\_leg} = \max(0, \textit{Workers' compensation insurance and proportional reinsurance - net best estimate or TP}) \times 0.107

8Step 8

mcr_non_life_workers_compensation_written_premiums_leg

\textit{mcr\_non\_life\_workers\_compensation\_written\_premiums\_leg} = \max(0, \textit{Workers' compensation insurance and proportional reinsurance - net written premiums}) \times 0.075

9Step 9

mcr_non_life_workers_compensation_linear_component

\textit{mcr\_non\_life\_workers\_compensation\_linear\_component} = \textit{mcr\_non\_life\_workers\_compensation\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_workers\_compensation\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_workers\_compensation\_linear\_component} &= \textit{mcr\_non\_life\_workers\_compensation\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_workers\_compensation\_written\_premiums\_leg}\end{aligned}

10Step 10

mcr_non_life_motor_vehicle_liability_technical_provisions_leg

\textit{mcr\_non\_life\_motor\_vehicle\_liability\_technical\_provisions\_leg} = \max(0, \textit{Motor vehicle liability insurance and proportional reinsurance - net best estimate or TP}) \times 0.085

\begin{aligned}\textit{mcr\_non\_life\_motor\_vehicle\_liability\_technical\_provisions\_leg} &= \max(0, \textit{Motor vehicle liability insurance and proportional reinsurance - net best estimate or TP}) \times 0.085\end{aligned}

11Step 11

mcr_non_life_motor_vehicle_liability_written_premiums_leg

\textit{mcr\_non\_life\_motor\_vehicle\_liability\_written\_premiums\_leg} = \max(0, \textit{Motor vehicle liability insurance and proportional reinsurance - net written premiums}) \times 0.094

12Step 12

mcr_non_life_motor_vehicle_liability_linear_component

\textit{mcr\_non\_life\_motor\_vehicle\_liability\_linear\_component} = \textit{mcr\_non\_life\_motor\_vehicle\_liability\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_motor\_vehicle\_liability\_written\_premiums\_leg}

\textit{mcr\_non\_life\_motor\_vehicle\_liability\_linear\_component} = \textit{mcr\_non\_life\_motor\_vehicle\_liability\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_motor\_vehicle\_liability\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_motor\_vehicle\_liability\_linear\_component} &= \textit{mcr\_non\_life\_motor\_vehicle\_liability\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_motor\_vehicle\_liability\_written\_premiums\_leg}\end{aligned}

13Step 13

mcr_non_life_other_motor_technical_provisions_leg

\textit{mcr\_non\_life\_other\_motor\_technical\_provisions\_leg} = \max(0, \textit{Other motor insurance and proportional reinsurance - net best estimate or TP}) \times 0.075

14Step 14

mcr_non_life_other_motor_written_premiums_leg

\textit{mcr\_non\_life\_other\_motor\_written\_premiums\_leg} = \max(0, \textit{Other motor insurance and proportional reinsurance - net written premiums}) \times 0.075

15Step 15

mcr_non_life_other_motor_linear_component

\textit{mcr\_non\_life\_other\_motor\_linear\_component} = \textit{mcr\_non\_life\_other\_motor\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_other\_motor\_written\_premiums\_leg}

16Step 16

mcr_non_life_marine_aviation_transport_technical_provisions_leg

\textit{mcr\_non\_life\_marine\_aviation\_transport\_technical\_provisions\_leg} = \max(0, \textit{Marine, aviation and transport insurance and proportional reinsurance - net best estimate or TP}) \times 0.10300000000000001

\textit{mcr\_non\_life\_marine\_aviation\_transport\_technical\_provisions\_leg} = \max(0, \textit{Marine, aviation and transport insurance and proportional reinsurance - net best estimate or TP}) \times 0.10300000000000001

\begin{aligned}\textit{mcr\_non\_life\_marine\_aviation\_transport\_technical\_provisions\_leg} &= \max(0, \textit{Marine, aviation and transport insurance and proportional reinsurance - net best estimate or TP}) \times 0.10300000000000001\end{aligned}

17Step 17

mcr_non_life_marine_aviation_transport_written_premiums_leg

\textit{mcr\_non\_life\_marine\_aviation\_transport\_written\_premiums\_leg} = \max(0, \textit{Marine, aviation and transport insurance and proportional reinsurance - net written premiums}) \times 0.14

\begin{aligned}\textit{mcr\_non\_life\_marine\_aviation\_transport\_written\_premiums\_leg} &= \max(0, \textit{Marine, aviation and transport insurance and proportional reinsurance - net written premiums}) \times 0.14\end{aligned}

18Step 18

mcr_non_life_marine_aviation_transport_linear_component

\textit{mcr\_non\_life\_marine\_aviation\_transport\_linear\_component} = \textit{mcr\_non\_life\_marine\_aviation\_transport\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_marine\_aviation\_transport\_written\_premiums\_leg}

\textit{mcr\_non\_life\_marine\_aviation\_transport\_linear\_component} = \textit{mcr\_non\_life\_marine\_aviation\_transport\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_marine\_aviation\_transport\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_marine\_aviation\_transport\_linear\_component} &= \textit{mcr\_non\_life\_marine\_aviation\_transport\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_marine\_aviation\_transport\_written\_premiums\_leg}\end{aligned}

19Step 19

mcr_non_life_fire_other_property_technical_provisions_leg

\textit{mcr\_non\_life\_fire\_other\_property\_technical\_provisions\_leg} = \max(0, \textit{Fire and other damage to property insurance and proportional reinsurance - net best estimate or TP}) \times 0.094

\begin{aligned}\textit{mcr\_non\_life\_fire\_other\_property\_technical\_provisions\_leg} &= \max(0, \textit{Fire and other damage to property insurance and proportional reinsurance - net best estimate or TP}) \times 0.094\end{aligned}

20Step 20

mcr_non_life_fire_other_property_written_premiums_leg

\textit{mcr\_non\_life\_fire\_other\_property\_written\_premiums\_leg} = \max(0, \textit{Fire and other damage to property insurance and proportional reinsurance - net written premiums}) \times 0.075

\begin{aligned}\textit{mcr\_non\_life\_fire\_other\_property\_written\_premiums\_leg} &= \max(0, \textit{Fire and other damage to property insurance and proportional reinsurance - net written premiums}) \times 0.075\end{aligned}

21Step 21

mcr_non_life_fire_other_property_linear_component

\textit{mcr\_non\_life\_fire\_other\_property\_linear\_component} = \textit{mcr\_non\_life\_fire\_other\_property\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_fire\_other\_property\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_fire\_other\_property\_linear\_component} &= \textit{mcr\_non\_life\_fire\_other\_property\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_fire\_other\_property\_written\_premiums\_leg}\end{aligned}

22Step 22

mcr_non_life_general_liability_technical_provisions_leg

\textit{mcr\_non\_life\_general\_liability\_technical\_provisions\_leg} = \max(0, \textit{General liability insurance and proportional reinsurance - net best estimate or TP}) \times 0.10300000000000001

\begin{aligned}\textit{mcr\_non\_life\_general\_liability\_technical\_provisions\_leg} &= \max(0, \textit{General liability insurance and proportional reinsurance - net best estimate or TP}) \times 0.10300000000000001\end{aligned}

23Step 23

mcr_non_life_general_liability_written_premiums_leg

\textit{mcr\_non\_life\_general\_liability\_written\_premiums\_leg} = \max(0, \textit{General liability insurance and proportional reinsurance - net written premiums}) \times 0.131

24Step 24

mcr_non_life_general_liability_linear_component

\textit{mcr\_non\_life\_general\_liability\_linear\_component} = \textit{mcr\_non\_life\_general\_liability\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_general\_liability\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_general\_liability\_linear\_component} &= \textit{mcr\_non\_life\_general\_liability\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_general\_liability\_written\_premiums\_leg}\end{aligned}

25Step 25

mcr_non_life_credit_suretyship_technical_provisions_leg

\textit{mcr\_non\_life\_credit\_suretyship\_technical\_provisions\_leg} = \max(0, \textit{Credit and suretyship insurance and proportional reinsurance - net best estimate or TP}) \times 0.177

26Step 26

mcr_non_life_credit_suretyship_written_premiums_leg

\textit{mcr\_non\_life\_credit\_suretyship\_written\_premiums\_leg} = \max(0, \textit{Credit and suretyship insurance and proportional reinsurance - net written premiums}) \times 0.113

27Step 27

mcr_non_life_credit_suretyship_linear_component

\textit{mcr\_non\_life\_credit\_suretyship\_linear\_component} = \textit{mcr\_non\_life\_credit\_suretyship\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_credit\_suretyship\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_credit\_suretyship\_linear\_component} &= \textit{mcr\_non\_life\_credit\_suretyship\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_credit\_suretyship\_written\_premiums\_leg}\end{aligned}

28Step 28

mcr_non_life_legal_expenses_technical_provisions_leg

\textit{mcr\_non\_life\_legal\_expenses\_technical\_provisions\_leg} = \max(0, \textit{Legal expenses insurance and proportional reinsurance - net best estimate or TP}) \times 0.113

29Step 29

mcr_non_life_legal_expenses_written_premiums_leg

\textit{mcr\_non\_life\_legal\_expenses\_written\_premiums\_leg} = \max(0, \textit{Legal expenses insurance and proportional reinsurance - net written premiums}) \times 0.066

30Step 30

mcr_non_life_legal_expenses_linear_component

\textit{mcr\_non\_life\_legal\_expenses\_linear\_component} = \textit{mcr\_non\_life\_legal\_expenses\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_legal\_expenses\_written\_premiums\_leg}

31Step 31

mcr_non_life_assistance_technical_provisions_leg

\textit{mcr\_non\_life\_assistance\_technical\_provisions\_leg} = \max(0, \textit{Assistance and proportional reinsurance - net best estimate or TP}) \times 0.18600000000000003

32Step 32

mcr_non_life_assistance_written_premiums_leg

\textit{mcr\_non\_life\_assistance\_written\_premiums\_leg} = \max(0, \textit{Assistance and proportional reinsurance - net written premiums}) \times 0.085

33Step 33

mcr_non_life_assistance_linear_component

\textit{mcr\_non\_life\_assistance\_linear\_component} = \textit{mcr\_non\_life\_assistance\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_assistance\_written\_premiums\_leg}

34Step 34

mcr_non_life_misc_financial_loss_technical_provisions_leg

\textit{mcr\_non\_life\_misc\_financial\_loss\_technical\_provisions\_leg} = \max(0, \textit{Miscellaneous financial loss insurance and proportional reinsurance - net best estimate or TP}) \times 0.18600000000000003

\textit{mcr\_non\_life\_misc\_financial\_loss\_technical\_provisions\_leg} = \max(0, \textit{Miscellaneous financial loss insurance and proportional reinsurance - net best estimate or TP}) \times 0.18600000000000003

\begin{aligned}\textit{mcr\_non\_life\_misc\_financial\_loss\_technical\_provisions\_leg} &= \max(0, \textit{Miscellaneous financial loss insurance and proportional reinsurance - net best estimate or TP}) \times 0.18600000000000003\end{aligned}

35Step 35

mcr_non_life_misc_financial_loss_written_premiums_leg

\textit{mcr\_non\_life\_misc\_financial\_loss\_written\_premiums\_leg} = \max(0, \textit{Miscellaneous financial loss insurance and proportional reinsurance - net written premiums}) \times 0.122

36Step 36

mcr_non_life_misc_financial_loss_linear_component

\textit{mcr\_non\_life\_misc\_financial\_loss\_linear\_component} = \textit{mcr\_non\_life\_misc\_financial\_loss\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_misc\_financial\_loss\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_misc\_financial\_loss\_linear\_component} &= \textit{mcr\_non\_life\_misc\_financial\_loss\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_misc\_financial\_loss\_written\_premiums\_leg}\end{aligned}

37Step 37

mcr_non_life_non_proportional_casualty_technical_provisions_leg

\textit{mcr\_non\_life\_non\_proportional\_casualty\_technical\_provisions\_leg} = \max(0, \textit{Non-proportional casualty reinsurance - net best estimate or TP}) \times 0.18600000000000003

38Step 38

mcr_non_life_non_proportional_casualty_written_premiums_leg

\textit{mcr\_non\_life\_non\_proportional\_casualty\_written\_premiums\_leg} = \max(0, \textit{Non-proportional casualty reinsurance - net written premiums}) \times 0.159

39Step 39

mcr_non_life_non_proportional_casualty_linear_component

\textit{mcr\_non\_life\_non\_proportional\_casualty\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_casualty\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_casualty\_written\_premiums\_leg}

\textit{mcr\_non\_life\_non\_proportional\_casualty\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_casualty\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_casualty\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_non\_proportional\_casualty\_linear\_component} &= \textit{mcr\_non\_life\_non\_proportional\_casualty\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_non\_proportional\_casualty\_written\_premiums\_leg}\end{aligned}

40Step 40

mcr_non_life_non_proportional_marine_aviation_transport_technical_provisions_leg

\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_technical\_provisions\_leg} = \max(0, \textit{Non-proportional marine, aviation and transport reinsurance - net best estimate or TP}) \times 0.18600000000000003

\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_technical\_provisions\_leg} = \max(0, \textit{Non-proportional marine, aviation and transport reinsurance - net best estimate or TP}) \times 0.18600000000000003

\begin{aligned}\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_technical\_provisions\_leg} &= \max(0, \textit{Non-proportional marine, aviation and transport reinsurance - net best estimate or TP}) \times 0.18600000000000003\end{aligned}

41Step 41

mcr_non_life_non_proportional_marine_aviation_transport_written_premiums_leg

\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_written\_premiums\_leg} = \max(0, \textit{Non-proportional marine, aviation and transport reinsurance - net written premiums}) \times 0.159

\begin{aligned}\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_written\_premiums\_leg} &= \max(0, \textit{Non-proportional marine, aviation and transport reinsurance - net written premiums}) \times 0.159\end{aligned}

42Step 42

mcr_non_life_non_proportional_marine_aviation_transport_linear_component

\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_written\_premiums\_leg}

\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_linear\_component} &= \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_written\_premiums\_leg}\end{aligned}

43Step 43

mcr_non_life_non_proportional_property_technical_provisions_leg

\textit{mcr\_non\_life\_non\_proportional\_property\_technical\_provisions\_leg} = \max(0, \textit{Non-proportional property reinsurance - net best estimate or TP}) \times 0.18600000000000003

44Step 44

mcr_non_life_non_proportional_property_written_premiums_leg

\textit{mcr\_non\_life\_non\_proportional\_property\_written\_premiums\_leg} = \max(0, \textit{Non-proportional property reinsurance - net written premiums}) \times 0.159

45Step 45

mcr_non_life_non_proportional_property_linear_component

\textit{mcr\_non\_life\_non\_proportional\_property\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_property\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_property\_written\_premiums\_leg}

\textit{mcr\_non\_life\_non\_proportional\_property\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_property\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_property\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_non\_proportional\_property\_linear\_component} &= \textit{mcr\_non\_life\_non\_proportional\_property\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_non\_proportional\_property\_written\_premiums\_leg}\end{aligned}

46Step 46

mcr_non_life_non_proportional_health_technical_provisions_leg

\textit{mcr\_non\_life\_non\_proportional\_health\_technical\_provisions\_leg} = \max(0, \textit{Non-proportional health reinsurance - net best estimate or TP}) \times 0.18600000000000003

47Step 47

mcr_non_life_non_proportional_health_written_premiums_leg

\textit{mcr\_non\_life\_non\_proportional\_health\_written\_premiums\_leg} = \max(0, \textit{Non-proportional health reinsurance - net written premiums}) \times 0.159

48Step 48

mcr_non_life_non_proportional_health_linear_component

\textit{mcr\_non\_life\_non\_proportional\_health\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_health\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_health\_written\_premiums\_leg}

\textit{mcr\_non\_life\_non\_proportional\_health\_linear\_component} = \textit{mcr\_non\_life\_non\_proportional\_health\_technical\_provisions\_leg} + \textit{mcr\_non\_life\_non\_proportional\_health\_written\_premiums\_leg}

\begin{aligned}\textit{mcr\_non\_life\_non\_proportional\_health\_linear\_component} &= \textit{mcr\_non\_life\_non\_proportional\_health\_technical\_provisions\_leg} \\ &\quad + \textit{mcr\_non\_life\_non\_proportional\_health\_written\_premiums\_leg}\end{aligned}

49Step 49

MCRNL Result

\textit{MCRNL Result} = \textit{mcr\_non\_life\_medical\_expense\_linear\_component} + \textit{mcr\_non\_life\_income\_protection\_linear\_component} + \textit{mcr\_non\_life\_workers\_compensation\_linear\_component} + \textit{mcr\_non\_life\_motor\_vehicle\_liability\_linear\_component} + \textit{mcr\_non\_life\_other\_motor\_linear\_component} + \textit{mcr\_non\_life\_marine\_aviation\_transport\_linear\_component} + \textit{mcr\_non\_life\_fire\_other\_property\_linear\_component} + \textit{mcr\_non\_life\_general\_liability\_linear\_component} + \textit{mcr\_non\_life\_credit\_suretyship\_linear\_component} + \textit{mcr\_non\_life\_legal\_expenses\_linear\_component} + \textit{mcr\_non\_life\_assistance\_linear\_component} + \textit{mcr\_non\_life\_misc\_financial\_loss\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_casualty\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_property\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_health\_linear\_component}

\textit{MCRNL Result} = \textit{mcr\_non\_life\_medical\_expense\_linear\_component} + \textit{mcr\_non\_life\_income\_protection\_linear\_component} + \textit{mcr\_non\_life\_workers\_compensation\_linear\_component} + \textit{mcr\_non\_life\_motor\_vehicle\_liability\_linear\_component} + \textit{mcr\_non\_life\_other\_motor\_linear\_component} + \textit{mcr\_non\_life\_marine\_aviation\_transport\_linear\_component} + \textit{mcr\_non\_life\_fire\_other\_property\_linear\_component} + \textit{mcr\_non\_life\_general\_liability\_linear\_component} + \textit{mcr\_non\_life\_credit\_suretyship\_linear\_component} + \textit{mcr\_non\_life\_legal\_expenses\_linear\_component} + \textit{mcr\_non\_life\_assistance\_linear\_component} + \textit{mcr\_non\_life\_misc\_financial\_loss\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_casualty\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_property\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_health\_linear\_component}

\begin{aligned}\textit{MCRNL Result} &= \textit{mcr\_non\_life\_medical\_expense\_linear\_component} + \textit{mcr\_non\_life\_income\_protection\_linear\_component} + \textit{mcr\_non\_life\_workers\_compensation\_linear\_component} + \textit{mcr\_non\_life\_motor\_vehicle\_liability\_linear\_component} + \textit{mcr\_non\_life\_other\_motor\_linear\_component} + \textit{mcr\_non\_life\_marine\_aviation\_transport\_linear\_component} \\ &\quad + \textit{mcr\_non\_life\_fire\_other\_property\_linear\_component} + \textit{mcr\_non\_life\_general\_liability\_linear\_component} + \textit{mcr\_non\_life\_credit\_suretyship\_linear\_component} + \textit{mcr\_non\_life\_legal\_expenses\_linear\_component} + \textit{mcr\_non\_life\_assistance\_linear\_component} \\ &\quad + \textit{mcr\_non\_life\_misc\_financial\_loss\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_casualty\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_marine\_aviation\_transport\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_property\_linear\_component} + \textit{mcr\_non\_life\_non\_proportional\_health\_linear\_component}\end{aligned}

50Step 50

mcr_life_component_best_estimate

\textit{mcr\_life\_component\_best\_estimate} = \max(0, \textit{TP Life One - guaranteed benefits with profit participation}) \times 0.037 + \left(-\max(0, \textit{TP Life Two - future discretionary benefits}) \times 0.052\right) + \max(0, \textit{TP Life Three - index-linked and unit-linked}) \times 0.007 + \max(0, \textit{TP Life Four - other life}) \times 0.021

\textit{mcr\_life\_component\_best\_estimate} = \max(0, \textit{TP Life One - guaranteed benefits with profit participation}) \times 0.037 + \left(-\max(0, \textit{TP Life Two - future discretionary benefits}) \times 0.052\right) + \max(0, \textit{TP Life Three - index-linked and unit-linked}) \times 0.007 + \max(0, \textit{TP Life Four - other life}) \times 0.021

51Step 51

mcr_life_component_capital_at_risk

\textit{mcr\_life\_component\_capital\_at\_risk} = \max(0, \textit{Capital at risk}) \times 0.0007

52Step 52

MCRL Result

\textit{MCRL Result} = \textit{mcr\_life\_component\_best\_estimate} + \textit{mcr\_life\_component\_capital\_at\_risk}

53Step 53

Linear MCR

\textit{Linear MCR} = \textit{MCRNL Result} + \textit{MCRL Result}

54Step 54

MCR cap

\textit{MCR cap} = \textit{Final SCR} \times 0.45

55Step 55

MCR floor

\textit{MCR floor} = \textit{Final SCR} \times 0.25

56Step 56

Combined MCR

\textit{Combined MCR} = \min(\max(\textit{Linear MCR}, \textit{MCR floor}), \textit{MCR cap})

57Step 57

MCR

\textit{MCR} = \max(\textit{Combined MCR}, \textit{MCR Absolute Floor})

Understand the S.28.01 Solo MCR QRT

Overview

This calculator prepares the solo MCR QRT view for life-only or non-life-only activity.^[1] It supports Article 35 supervisory information evidence for the reported Minimum Capital Requirement.^[2]

Input Terms

Linear MCR: Reported linear Minimum Capital Requirement amount before bounds and floor checks.^[2]^[1]
Combined MCR: Reported MCR amount after applying the SCR-based bounds.^[2]^[1]
Absolute Floor: Reported absolute floor amount applicable to the undertaking profile.^[2]^[1]
Final MCR: Reported Minimum Capital Requirement after bounds and floor selection.^[2]^[1]

Technical Rationale

The S.28.01.01 template presents the solo MCR calculation for undertakings with life-only or non-life-only activity. The review focuses on linear MCR evidence, SCR-based bounds, absolute floor support, and reconciliation to own-funds coverage.

Important Notes

Scope: MCR values remain reporting-preparation evidence and require entity-specific floor and activity classification support before supervisory submission.^[2]
Reporting: The template reference is Commission Implementing Regulation (EU) 2023/894 S.28.01.01.^[1]

Sources

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in reporting, disclosure, or filing workflows.