CEN/TC 445 - eBusiness Processes in the Insurance Industry

This document defines the standardized mapping of the specific requirements of an insurance premium invoice to the generic electronic invoice described in EN 16931-1. This mapping meets the requirements of an electronic premium invoice to ensure legal (including fiscal) compliance as well as business and technical demands of the insurance industry.
Premium invoices can be issued by different organizations of the insurance industry to commercial clients or consumers. This document includes premium invoices issued by insurance companies as well as insurance intermediaries.
This document does not deal with data protection matters in premium invoices.
NOTE   General Data Protection Regulation, EU Regulation 2016/679 can include requirements on personal data.
Premium invoices are regularly not subject to VAT but to special taxes. In particular, the requirements resulting from insurance tax regulations are considered. Requirements for other taxes are also incorporated.
The rules defined in EN 16931-1 do not support invoices with amounts not subject to VAT together with additional amounts which are subject to VAT. Therefore, this document also does not support premium invoices which invoice other goods and services which are subject to VAT invoiced together with premium amounts.
Out of the scope of this document are accounting transactions between insurance companies and insurance intermediaries which may contain premium invoice data, but regularly consist of other data (e.g. commissions) which are not part of a regular invoice.

This document specifies a concrete REST webservice API description of the processes and data (see
EN 17419-1:2020 for more information) as an OpenAPI definition specified by the OpenAPI specification.

This document defines the process and the structure of the transfer of electronic documents, and facilitates the transfer of electronic documents between stakeholders in the insurance industry.

Article 20 GDPR and Article 4 and 5 the proposed FIDA Regulation require the data access and portability of customer data. To support this demand CEN/TC 445 will organise the standardisation project with its Working Group 1 in which the following European standardisation deliverable will be developed.
European Standard (EN) for the semantic specification of the interfaces
The scope of this EN for customer (natural or legal person) data access and portability in the insurance sector should be based on the insurance-specific part of the proposed FIDA Regulation and therefore should contain:
•   Semantic specifications for the processes to support the data access and portability. These specifications define on the business level the functions and the behaviour for the following process interfaces:
- Request of the customer to the data holder for an actual transfer of the customer data (Article 4 FIDA).
- Transfer of the requested customer data from the data holder to the requesting customer (Article 4 FIDA).
- Request of a data user to a data holder for an actual transfer of customer data under a permission of the customer (Article 5 FIDA).
- Transfer of the requested customer data from the data holder to the requesting data user (Article 5 FIDA).
•   Sematic specifications for the customer data to be transferred by the above processes. The scope of the customer data will be limited to the insurance-specific part of the FIDA proposal defined in the Article 2 (1) and Article 3 (3) of FIDA. These specifications define on the business level each element of the customer data with identification, name, precise definition, and value type (text, number, amount, quantity, percentage, date, etc.). The composition of these data elements forms a semantic data model for the insurance-specific customer data. The data model will consist of the following parts:
- General data of the policy holder (including address, contact details, profession, payment means, etc.).
- General data of the insurance policy (including policy number, insurance product and coverages, insured period, premium amounts, etc.).
- Data specific to the consumers’ insured assets which are collected for the purposes of a demands and needs test.
- Data depending on class of business, such as
- Motor insurance (details about vehicle, usage, drivers),
- Property insurance (details about building, household or other objects),
- Liability insurance (details about insured persons and their activities),
- Accident insurance (details about insured persons and their activities),
- Insurance-based investment products (details about insured persons and the savings, investments, pension rights, etc.).
The EN specifies the processes and the data model on the semantic level in a syntax-neutral format, independent from its representation in a concrete implementation syntax.

This document specifies a concrete REST webservice API description of the processes and data
(see EN 17419-1:2020 for more information) as an OpenAPI definition specified by the OpenAPI
specification.