Legal briefing

The improper policyholder


This Legal Briefing analyse the concept of the improper policyholder.

A recent question referred to the Court of Justice of the European Union by a German court, in the case of Bundesrverband der Verbraucherzentralen und Verbraucherverbände – Verbraucherzentrale Bundesverband e. V. vs. V. v. TC Medical Air Ambulance Agency GmbH, forces us to refocus the debate. In the case of group insurance, consideration of the group organiser as a “policyholder” in view of the classification adopted under the applicable provisions of national insurance law excludes the possibility of considering the group organiser as an “insurance intermediary”.

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