{"id":10867,"date":"2016-06-08T10:49:00","date_gmt":"2016-06-08T08:49:00","guid":{"rendered":"https:\/\/www.fma.gv.at\/en\/insurance\/information-about-individual-insurance-classes\/versicherungszweige\/"},"modified":"2023-04-27T09:39:31","modified_gmt":"2023-04-27T07:39:31","slug":"insurance-classes","status":"publish","type":"page","link":"https:\/\/www.fma.gv.at\/en\/insurance\/information-about-individual-insurance-classes\/insurance-classes\/","title":{"rendered":"Insurance classes"},"content":{"rendered":"

Insurance classes<\/a> are split into the insurance classes for non-life insurance and for life insurance<\/a>. The individual insurance classes are listed in Annex A of the Insurance Supervision Act of 2016 (VAG 2016<\/abbr> ):<\/p>

List of insurance classes<\/strong><\/h2>
    \n
  1. Accident<\/strong>
    \na) fixed pecuniary benefits
    \nb) benefits in the nature of indemnity
    \nc) combinations of the two
    \nd) injury to passengers<\/li>\n
  2. Sickness<\/strong>
    \na) daily benefits
    \nb) medical expenses
    \nc) combinations of the two<\/li>\n
  3. Land vehicles (other than railway rolling stock)<\/strong>
    \nAll damage to or loss of:
    \na) land motor vehicles
    \nb) land vehicles other than motor vehicles<\/li>\n
  4. Railway rolling stock<\/strong>
    \nAll damage to or loss of railway rolling stock<\/li>\n
  5. Aircraft<\/strong>
    \nAll damage to or loss of aircraft<\/li>\n
  6. Ships (sea, lake and river and canal vessels)<\/strong>
    \nAll damage to or loss of:
    \na) river and canal vessels
    \nb) lake vessels
    \nc) sea vessels<\/li>\n
  7. Goods in transit<\/strong>
    \nAll damage to or loss of goods in transit or baggage, irrespective of the form of transport<\/li>\n
  8. Fire and natural forces<\/strong>
    \nAll damage to or loss of property (other than property included in nos.<\/abbr> 3 to 7) due to
    \na) fire
    \nb) explosion
    \nc) storm
    \nd) natural forces other than storm
    \ne) nuclear energy
    \nf) land subsidence<\/li>\n
  9. Other damage to property<\/strong>
    \nAll damage to or loss of property (other than property included in nos.<\/abbr> 3 to 7) due to hail or frost, and any event such as theft, other than those mentioned under no.<\/abbr> 8<\/li>\n
  10. Motor vehicle liability<\/strong>
    \nAll liability arising out of the use of motor vehicles operating on the land (including carrier’s liability)<\/li>\n
  11. Aircraft liability<\/strong>
    \nAll liability arising out of the use of aircraft (including carrier’s liability)<\/li>\n
  12. Liability for ships (sea, lake and river and canal vessels)<\/strong>
    \nAll liability arising out of the use of ships, vessels or boats on the sea, lakes, rivers or canals (including carrier’s liability)<\/li>\n
  13. General liability<\/strong>
    \nAll liability other than those forms mentioned under nos.<\/abbr> 10 to 12<\/li>\n
  14. Credit<\/strong>
    \na) insolvency (general)
    \nb) export credit
    \nc) instalment credit
    \nd) mortgages
    \ne) agricultural credit<\/li>\n
  15. Suretyship<\/strong>
    \na) suretyship (direct)
    \na) suretyship (indirect)<\/li>\n
  16. Miscellaneous financial loss<\/strong>
    \na) employment risks
    \nb) insufficiency of income (general)
    \nc) bad weather
    \nd) loss of benefits
    \ne) continuing general expenses
    \nf) unforeseen trading expenses
    \ng) loss of market value
    \nh) loss of rent or revenue
    \ni) indirect trading losses other than those mentioned above
    \nk) other financial loss (non-trading)
    \nl) other forms of financial loss<\/li>\n
  17. Legal expenses<\/strong><\/li>\n
  18. Assistance<\/strong>
    \nAssistance provided for persons who get into difficulties while travelling, while away from home or while away from their permanent residence<\/li>\n
  19. Life (unless mentioned under nos.<\/abbr> 20 to 22)<\/strong><\/li>\n
  20. Marriage insurance and birth insurance<\/strong><\/li>\n
  21. Unit-linked and index-linked life insurance<\/strong><\/li>\n
  22. Tontines<\/strong><\/li>\n
  23. Reinsurance<\/strong>
    \na) Non-life reinsurance
    \nb) Life reinsurance<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"

    Insurance classes are split into the insurance classes for non-life insurance and for life insurance. The individual insurance classes are …<\/p>\n","protected":false},"author":60,"featured_media":0,"parent":8191,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-10867","page","type-page","status-publish","hentry"],"yoast_head":"\nInsurance classes - FMA \u00d6sterreich<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fma.gv.at\/en\/insurance\/information-about-individual-insurance-classes\/insurance-classes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance classes - FMA \u00d6sterreich\" \/>\n<meta property=\"og:description\" content=\"Insurance classes are split into the insurance classes for non-life insurance and for life insurance. 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