The European Convention on Human Rights and Insurance

G31G32G34 The European Convention on Human Rights and Insurance NFT 2/2002 Fredrik Sundberg fredrik.sundberg@wanadoo.fr The relation between insurance and human rights has not received much attention in the insurance world. The European Court of Human Rights has, however, decided a number of cases relating to different aspects of insurance. Fredrik Sundberg, Principal Administrative Officer at the Council of Europe’s Directorate General of Human Rights makes a pioneering contribution when he introduces us to some of the main insurance issues that have arisen under the European Convention on Human Rights. It may be foreseen that this subject will attract considerable attention in the future. The European Convention on Human Rights and Insurance by Fredrik G.E. Sundberg I. Human Rights and Insurance – General Comments G42G65G66G6FG72G65G20 G65G6EG67G61G67G69G6EG67G20 G69G6EG20 G74G68G65G20 G65G78G61G6DG69G6EG61G74G69G6FG6EG20 G6FG66G20 G74G68G65 G70G72G6FG62G6CG65G6DG73G20G72G61G69G73G65G64G20G75G6EG64G65G72G20G74G68G65G20G45G75G72G6FG70G65G61G6EG20G43G6FG6EG76G65G6EG2D G74G69G6FG6EG20 G66G6FG72G20 G74G68G65G20 G50G72G6FG74G65G63G74G69G6FG6EG20 G6FG66G20 G48G75G6DG61G6EG20 G52G69G67G68G74G73G20 G61G6EG64 G46G75G6EG64G61G6DG65G6EG74G61G6CG20G46G72G65G65G64G6FG6DG73G20G28G94G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG94G20G62G65G2D G6CG6FG77G29G20G77G69G74G68G20G72G65G73G70G65G63G74G20G74G6FG20G69G6EG73G75G72G61G6EG63G65G20G61G63G74G69G76G69G74G69G65G73G2CG20G73G6FG6DG65 G70G72G65G6CG69G6DG69G6EG61G72G79G20G63G6FG6DG6DG65G6EG74G73G20G61G72G65G20G63G61G6CG6CG65G64G20G66G6FG72G2E G49G6EG73G75G72G61G6EG63G65G20 G63G6FG75G6CG64G20 G70G65G72G68G61G70G73G20 G62G65G20 G64G65G73G63G72G69G62G65G64G20 G61G73G20 G61 G73G70G65G63G69G61G6CG20 G66G6FG72G6DG20 G6FG66G20 G72G69G73G6BG20 G6DG61G6EG61G67G65G6DG65G6EG74G20 G61G69G6DG69G6EG67G20 G61G74 G64G69G73G74G72G69G62G75G74G69G6EG67G20 G65G76G65G6EG6CG79G2CG20 G6DG6FG73G74G6CG79G20 G6FG6EG20 G61G20 G63G6FG6EG74G72G61G63G74G75G61G6C G62G61G73G69G73G2CG20 G74G68G65G20 G65G63G6FG6EG6FG6DG69G63G20 G6CG6FG73G73G65G73G20 G63G61G75G73G65G64G20 G62G79G20 G63G65G72G74G61G69G6E G75G6EG66G6FG72G65G73G65G65G61G62G6CG65G20G65G76G65G6EG74G73G2EG20G48G75G6DG61G6EG20G52G69G67G68G74G73G20G69G73G20G73G6FG6DG65G2D G74G68G69G6EG67G20G64G69G66G66G65G72G65G6EG74G2EG20G49G74G20G63G6FG6EG63G65G72G6EG73G20G62G61G73G69G63G61G6CG6CG79G20G74G68G65G20G64G75G74G69G65G73 G61G6EG64G20G6FG62G6CG69G67G61G74G69G6FG6EG73G20G6FG66G20G53G74G61G74G65G73G20G61G6EG64G20G61G69G6DG73G20G61G74G20G65G6EG73G75G72G69G6EG67 G67G6FG6FG64G20 G61G6EG64G20 G73G74G61G62G6CG65G20 G67G6FG76G65G72G6EG6DG65G6EG74G2EG20 G48G75G6DG61G6EG20 G52G69G67G68G74G73 G6DG61G79G20 G73G74G69G6CG6CG20 G63G61G6CG6CG20 G66G6FG72G20 G73G74G61G74G65G20 G61G63G74G69G6FG6EG20 G74G6FG20 G61G73G73G75G6DG65G20 G65G63G6FG2D G6EG6FG6DG69G63G20G72G65G73G70G6FG6EG73G69G62G69G6CG69G74G79G20G66G6FG72G20G63G65G72G74G61G69G6EG20G72G69G73G6BG73G2CG20G74G68G75G73G20G63G72G65G2D G61G74G69G6EG67G2CG20G77G68G65G72G65G20G74G68G65G20G6EG65G65G64G73G20G61G72G65G20G6EG6FG74G20G63G6FG6EG73G69G64G65G72G65G64G20G61G64G65G2D G71G75G61G74G65G6CG79G20G63G61G72G65G64G20G66G6FG72G20G74G68G72G6FG75G67G68G20G70G72G69G76G61G74G65G20G65G6EG74G65G72G70G72G69G73G65G2CG20G61 G68G75G6DG61G6EG20G72G69G67G68G74G73G20G72G65G71G75G69G72G65G6DG65G6EG74G20G74G68G61G74G20G74G68G65G20G73G74G61G74G65G20G73G65G74G20G75G70 G69G74G73G20 G6FG77G6EG20 G69G6EG73G75G72G61G6EG63G65G20 G73G79G73G74G65G6DG73G2EG20 G45G76G65G6EG20 G77G68G65G72G65G20 G74G68G65 G72G69G73G6BG73G20 G61G72G65G20 G62G61G73G69G63G61G6CG6CG79G20 G63G61G72G65G64G20 G66G6FG72G20 G74G68G72G6FG75G67G68G20 G70G72G69G76G61G74G65 G69G6EG69G74G69G61G74G69G76G65G73G2CG20G68G75G6DG61G6EG20G72G69G67G68G74G73G20G6DG61G79G20G77G65G6CG6CG20G63G61G6CG6CG20G66G6FG72G20G73G74G61G74G65 G73G75G72G76G65G69G6CG6CG61G6EG63G65G20G6FG66G20G74G68G65G20G6DG61G6EG6EG65G72G20G69G6EG20G77G68G69G63G68G20G74G68G65G20G69G6EG73G75G72G2D G61G6EG63G65G20G61G63G74G69G76G69G74G79G20G69G73G20G63G61G72G72G69G65G64G20G6FG75G74G2E G49G6EG20 G70G61G72G74G69G63G75G6CG61G72G20 G73G6FG63G69G61G6CG20 G61G6EG64G20 G65G63G6FG6EG6FG6DG69G63G20 G68G75G6DG61G6E G72G69G67G68G74G73G20G6DG61G79G20G72G65G71G75G69G72G65G20G74G68G65G20G73G74G61G74G65G20G74G6FG20G65G6EG73G75G72G65G20G74G68G65G20G65G78G69G73G74G2D G65G6EG63G65G20 G6FG66G20 G69G6EG73G75G72G61G6EG63G65G20 G73G79G73G74G65G6DG73G20 G6FG66G20 G76G61G72G69G6FG75G73G20 G6BG69G6EG64G73G3A G74G68G75G73G20G65G2EG67G2EG20G41G72G74G69G63G6CG65G20G33G20G61G6EG64G20G31G33G20G6FG66G20G74G68G65G20G72G65G76G69G73G65G64G20G53G6FG63G69G61G6C G43G68G61G72G74G65G72G20 G6FG66G20 G74G68G65G20 G43G6FG75G6EG63G69G6CG20 G6FG66G20 G45G75G72G6FG70G65G20 G66G72G6FG6DG20 G31G39G39G36 G77G68G65G72G65G62G79G20G73G74G61G74G65G73G20G61G63G63G65G70G74G20G74G6FG20G73G65G63G75G72G65G20G74G68G65G20G72G69G67G68G74G20G74G6FG20G73G61G66G65 Fredrik G.E. Sundberg is Principal Administrator at the Council of Europe's Directorate General of Human Rights and in particular responsible for assisting the Committee of Ministers in its supervision of the execution of the judgments of the European Court of Human Rights. – The contents of this contribution only reflect the author’s personal views. G31G32G35 The European Convention on Human Rights and Insurance G61G6EG64G20G68G65G61G6CG74G68G79G20G77G6FG72G6BG69G6EG67G20G63G6FG6EG64G69G74G69G6FG6EG73G20G61G6EG64G20G74G68G65G20G72G69G67G68G74G20G74G6F G73G6FG63G69G61G6CG20G61G6EG64G20G6DG65G64G69G63G61G6CG20G61G73G73G69G73G74G61G6EG63G65G2EG20G54G68G65G20G70G72G65G73G65G6EG74G20G61G72G74G69G2D G63G6CG65G20 G64G6FG65G73G20 G6EG6FG74G2CG20 G68G6FG77G65G76G65G72G2CG20 G69G6EG74G65G6EG64G20 G74G6FG20 G63G6FG76G65G72G20 G74G68G69G73 G61G73G70G65G63G74G20G6FG66G20G69G6EG73G75G72G61G6EG63G65G20G61G6EG64G20G68G75G6DG61G6EG20G72G69G67G68G74G73G2E G43G69G76G69G6CG20 G61G6EG64G20 G70G6FG6CG69G74G69G63G61G6CG20 G72G69G67G68G74G73G20 G61G72G65G20 G6CG65G73G73G20 G61G62G6FG75G74G20 G74G68G65 G73G74G61G74G65G92G73G20 G64G75G74G79G20 G74G6FG20 G73G65G74G20 G75G70G20 G69G6EG73G75G72G61G6EG63G65G20 G73G79G73G74G65G6DG73G2CG20 G61G6EG64 G6DG6FG72G65G20 G61G62G6FG75G74G20 G70G72G65G76G65G6EG74G69G6EG67G20 G61G62G75G73G69G76G65G20 G6FG72G20 G61G72G62G69G74G72G61G72G79 G73G74G61G74G65G20G61G63G74G69G6FG6EG20G61G6EG64G2CG20G61G74G20G6CG65G61G73G74G20G69G6EG20G45G75G72G6FG70G65G2CG20G73G61G66G65G67G75G61G72G64G2D G69G6EG67G20G74G68G65G20G62G61G73G69G63G20G65G6CG65G6DG65G6EG74G73G20G6FG66G20G64G65G6DG6FG63G72G61G63G79G2EG20G54G68G65G73G65G20G61G72G65 G61G6CG73G6FG20G74G68G65G20G6DG61G69G6EG20G70G75G72G70G6FG73G65G73G20G75G6EG64G65G72G6CG79G69G6EG67G20G74G68G65G20G61G62G6FG76G65G2D G6DG65G6EG74G69G6FG6EG65G64G20G43G6FG6EG76G65G6EG74G69G6FG6EG20G66G72G6FG6DG20G31G39G35G30G20G61G6EG64G20G74G68G69G73G20G61G72G2D G74G69G63G6CG65G20 G77G69G6CG6CG20 G63G6FG6EG63G65G6EG74G72G61G74G65G20 G6FG6EG20 G69G6EG73G75G72G61G6EG63G65G20 G72G65G6CG61G74G65G64G20 G69G73G2D G73G75G65G73G20G74G68G61G74G20G68G61G76G65G20G61G72G69G73G65G6EG20G75G6EG64G65G72G20G74G68G61G74G20G69G6EG73G74G72G75G6DG65G6EG74G2E G54G68G65G20G64G75G74G79G20G74G6FG20G63G61G72G65G20G66G6FG72G20G63G65G72G74G61G69G6EG20G72G69G73G6BG73G20G69G73G2CG20G68G6FG77G65G76G65G72G2C G6EG6FG74G20G65G6EG74G69G72G65G6CG79G20G61G62G73G65G6EG74G20G65G76G65G6EG20G69G6EG20G74G68G65G20G63G6FG6EG74G65G78G74G20G6FG66G20G63G69G76G69G6C G61G6EG64G20 G70G6FG6CG69G74G69G63G61G6CG20 G72G69G67G68G74G73G2EG20 G43G65G72G74G61G69G6EG20 G66G6FG75G6EG64G61G74G69G6FG6EG73G20 G6FG66G20 G61 G53G74G61G74G65G20 G72G65G73G70G6FG6EG73G69G62G69G6CG69G74G79G20 G75G6EG64G65G72G20 G74G68G65G20 G43G6FG6EG76G65G6EG74G69G6FG6EG20 G66G6FG72 G65G6EG76G69G72G6FG6EG6DG65G6EG74G61G6CG20 G68G61G7AG61G72G64G73G20 G68G61G76G65G20 G74G68G75G73G20 G62G65G65G6EG20 G6CG61G69G64G20 G69G6E G74G68G65G20 G63G61G73G65G73G20 G6FG66G20 G4CG6FG70G65G7AG20 G4FG73G74G72G61G20 G61G67G61G69G6EG73G74G20 G53G70G61G69G6E G31 G20 G61G6EG64 G47G75G65G72G72G61G20G61G67G61G69G6EG73G74G20G49G74G61G6CG79 G32 G20G61G73G20G70G61G72G74G20G6FG66G20G74G68G65G20G72G65G71G75G69G72G65G6DG65G6EG74 G6FG66G20G72G65G73G70G65G63G74G20G66G6FG72G20G70G72G69G76G61G74G65G20G61G6EG64G20G66G61G6DG69G6CG79G20G6CG69G66G65G20G67G75G61G72G61G6EG74G65G65G64 G69G6EG20G41G72G74G69G63G6CG65G20G38G20G6FG66G20G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG2EG20G4FG74G68G65G72G20G69G6EG74G65G72G65G73G74G2D G69G6EG67G20G69G73G73G75G65G73G20G72G65G6CG61G74G65G20G74G6FG20G74G68G65G20G73G74G61G74G65G92G73G20G72G65G73G70G6FG6EG73G69G62G69G6CG69G74G79G20G74G6F G63G61G72G65G20G66G6FG72G20G74G68G65G20G76G69G63G74G69G6DG73G20G6FG66G20G6EG61G74G69G6FG6EG61G6CG20G64G69G73G61G73G74G65G72G73 G33 G20G77G68G69G63G68 G63G6FG75G6CG64G20 G72G61G69G73G65G20 G71G75G65G73G74G69G6FG6EG73G20 G65G2EG67G2EG20 G69G6EG20 G72G65G6CG61G74G69G6FG6EG20 G74G6FG20 G74G68G65 G70G72G6FG74G65G63G74G69G6FG6EG20G6FG66G20G74G68G65G20G72G69G67G68G74G20G74G6FG20G6CG69G66G65G20G67G75G61G72G61G6EG74G65G65G64G20G69G6EG20G74G68G65 G43G6FG6EG76G65G6EG74G69G6FG6EG92G73G20G41G72G74G69G63G6CG65G20G32G2CG20G74G6FG20G74G68G65G20G70G72G6FG74G65G63G74G69G6FG6EG20G61G67G61G69G6EG73G74 G69G6EG68G75G6DG61G6EG20G6FG72G20G64G65G67G72G61G64G69G6EG67G20G74G72G65G61G74G6DG65G6EG74G20G69G6EG20G41G72G74G69G63G6CG65G20G33G20G6FG72 G74G6FG20G74G68G65G20G72G69G67G68G74G73G20G70G72G6FG74G65G63G74G65G64G20G69G6EG20G74G68G65G20G61G62G6FG76G65G20G6DG65G6EG74G69G6FG6EG65G64 G41G72G74G69G63G6CG65G20G38G2EG20G49G6EG20G74G68G65G20G61G62G73G65G6EG63G65G20G6FG66G20G6DG6FG72G65G20G70G72G65G63G69G73G65G20G63G61G73G65 G6CG61G77G2CG20G74G68G65G20G70G72G65G73G65G6EG74G61G74G69G6FG6EG20G62G65G6CG6FG77G20G77G69G6CG6CG2CG20G68G6FG77G65G76G65G72G2CG20G6EG6FG74 G61G74G74G65G6DG70G74G20G74G6FG20G64G65G76G65G6CG6FG70G20G74G68G65G73G65G20G71G75G65G73G74G69G6FG6EG73G20G66G75G72G74G68G65G72G2E II. 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G54G68G65G20 G70G72G6FG74G65G63G74G69G6FG6EG20 G61G66G66G6FG72G64G65G64G20 G77G69G6CG6CG20 G64G65G76G65G6CG6FG70 G74G61G6BG69G6EG67G20 G69G6EG74G6FG20 G61G63G63G6FG75G6EG74G20 G6DG61G6EG79G20 G66G61G63G74G6FG72G73G2CG20 G69G6EG63G6CG75G64G69G6EG67 G70G72G65G76G61G69G6CG69G6EG67G20G73G6FG63G69G65G74G61G6CG20G63G6FG6EG64G69G74G69G6FG6EG73 G38 G2CG20G61G20G6DG61G74G74G65G72G20G77G68G69G63G68 G74G68G69G73G20G77G69G6CG6CG20G6FG66G74G65G6EG20G72G65G71G75G69G72G65G20G69G6DG61G67G69G6EG61G74G69G76G65G20G70G6CG65G61G64G69G6EG67G73G20G69G6E G6FG72G64G65G72G20G74G6FG20G68G65G6CG70G20G74G68G65G20G43G6FG75G72G74G20G74G6FG20G61G64G61G70G74G20G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6E G73G74G61G6EG64G61G72G64G2E G54G68G65G20G73G75G72G76G65G79G20G62G65G6CG6FG77G20G77G69G6CG6CG20G6FG6EG6CG79G20G72G65G6CG61G74G65G20G74G68G65G20G70G72G6FG62G2D G6CG65G6DG73G20 G73G6FG20 G66G61G72G20 G69G64G65G6EG74G69G66G69G65G64G20 G75G6EG64G65G72G20 G74G68G65G20 G43G6FG6EG76G65G6EG74G69G6FG6EG2E G54G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG20G6DG61G79G20G77G65G6CG6CG20G61G70G70G6CG79G20G61G6CG73G6FG20G74G6FG20G6FG74G68G65G72 G73G69G74G75G61G74G69G6FG6EG73G2CG20 G62G75G74G20 G6FG6EG6CG79G20 G63G61G73G65G73G20 G63G61G6EG20 G70G72G6FG76G69G64G65G20 G61G6EG20 G61G6EG2D G73G77G65G72G20G74G6FG20G77G68G61G74G20G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG20G73G74G61G6EG64G61G72G64G20G74G68G65G6EG20G69G73G2E III. Problems raised under the Convention G41G20 G66G69G72G73G74G20 G73G65G74G20 G6FG66G20 G70G72G6FG62G6CG65G6DG73G20 G72G61G69G73G65G64G20 G63G6FG6EG63G65G72G6EG20 G74G68G65 G73G65G74G74G69G6EG67G20G75G70G20G61G6EG64G20G72G75G6EG6EG69G6EG67G20G6FG66G20G61G6EG20G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG70G61G2D G6EG79G2EG20G41G20G73G65G63G6FG6EG64G20G73G65G74G2CG20G74G68G65G20G72G75G6CG65G73G20G61G6EG64G20G70G72G6FG63G65G64G75G72G65G73G20G74G68G61G74 G73G68G6FG75G6CG64G20G61G70G70G6CG79G20G77G68G65G6EG20G73G6FG6CG76G69G6EG67G20G64G69G73G70G75G74G65G73G20G75G6EG64G65G72G20G69G6EG2D G73G75G72G61G6EG63G65G20G73G63G68G65G6DG65G73G2CG20G61G6EG64G20G69G6EG20G70G61G72G74G69G63G75G6CG61G72G20G73G6FG63G69G61G6CG20G69G6EG73G75G72G2D G61G6EG63G65G20 G73G63G68G65G6DG65G73G20 G77G65G72G65G20 G74G68G65G20 G6CG65G67G69G73G6CG61G74G6FG72G20 G68G61G73G20 G6FG66G74G65G6E G70G72G6FG76G69G64G65G64G20G66G6FG72G20G73G70G65G63G69G61G6CG20G70G72G6FG63G65G64G75G72G65G73G2EG20G41G20G74G68G69G72G64G20G70G72G6FG62G2D G6CG65G6DG20 G61G72G65G61G20 G63G6FG6EG63G65G72G6EG73G20 G70G72G69G76G61G63G79G20 G61G6EG64G20 G74G68G65G20 G65G78G74G65G6EG74G20 G74G6F G77G68G69G63G68G20 G69G6EG73G75G72G61G6EG63G65G20 G63G6FG6DG70G61G6EG69G65G73G20 G6DG61G79G20 G72G65G71G75G69G72G65G20 G70G65G72G2D G73G6FG6EG73G20 G74G6FG20 G64G69G73G63G6CG6FG73G65G20 G64G65G74G61G69G6CG73G20 G6FG66G20 G74G68G65G69G72G20 G70G72G69G76G61G74G65G20 G6CG69G76G65G73G2C G61G6EG64G20G74G68G65G20G65G78G74G65G6EG74G20G74G6FG20G77G68G69G63G68G20G74G72G69G62G75G6EG61G6CG73G20G6DG61G79G20G73G65G61G72G63G68G20G66G6FG72 G69G6EG66G6FG72G6DG61G74G69G6FG6EG20 G72G65G67G61G72G64G69G6EG67G20 G61G20 G70G65G72G73G6FG6EG73G20 G70G72G69G76G61G74G65G20 G6CG69G66G65 G61G6EG64G20G77G68G61G74G20G72G69G67G68G74G20G74G68G65G20G70G65G72G73G6FG6EG73G20G63G6FG6EG63G65G72G6EG65G64G20G6DG61G79G20G68G61G76G65 G74G6FG20G62G65G20G69G6EG66G6FG72G6DG65G64G20G6FG66G20G73G75G63G68G20G73G65G61G72G63G68G65G73G20G61G6EG64G20G63G6FG6DG6DG65G6EG74 G6FG6EG20G74G68G65G69G72G20G72G65G73G75G6CG74G2EG20G41G20G66G6FG75G72G74G68G20G70G72G6FG62G6CG65G6DG20G61G72G65G61G20G63G6FG6EG63G65G72G6EG73 G74G68G65G20G6EG61G74G75G72G65G20G6FG66G20G69G6EG73G75G72G61G6EG63G65G20G62G65G6EG65G66G69G74G73G20G96G20G63G61G6EG20G74G68G65G79G20G62G65 G65G71G75G61G6CG6CG65G64G20 G74G6FG20 G70G72G6FG70G65G72G74G79G3FG20 G41G20 G66G69G66G74G68G20 G61G72G65G61G20 G63G6FG6EG63G65G72G6EG73 G64G69G73G63G72G69G6DG69G6EG61G74G69G6FG6EG20G69G6EG20G74G68G65G20G61G6CG6CG6FG63G61G74G69G6FG6EG20G6FG66G20G62G65G6EG65G66G69G74G73G20G74G61G6BG2D G31G32G37 The European Convention on Human Rights and Insurance G69G6EG67G20 G69G6EG74G6FG20 G61G63G63G6FG75G6EG74G20 G74G68G65G20 G66G65G65G73G20 G70G61G69G64G2EG20 G41G20 G73G69G78G74G68G20 G61G72G65G61 G63G6FG6EG63G65G72G6EG73G20 G74G68G65G20 G72G65G6CG65G76G61G6EG63G65G20 G6FG66G20 G69G6EG73G75G72G61G6EG63G65G2CG20 G6DG6FG73G74G6CG79 G68G65G61G6CG74G68G20G6FG72G20G73G6FG63G69G61G6CG20G69G6EG73G75G72G61G6EG63G65G2CG20G69G6EG20G65G78G70G75G6CG73G69G6FG6EG20G63G61G73G65G73G2E G42G65G6CG6FG77G20G49G20G77G69G6CG6CG20G62G72G69G65G66G6CG79G20G65G78G70G61G6EG64G20G6FG6EG20G74G68G65G20G63G61G73G65G73G20G74G68G61G74 G68G61G76G65G20G72G61G69G73G65G64G20G74G68G65G20G61G62G6FG76G65G2DG6DG65G6EG74G69G6FG6EG65G64G20G70G72G6FG62G6CG65G6DG73G2E a. Insurance activity in general G41G73G20G66G69G72G73G74G20G72G65G67G61G72G64G73G20G74G68G65G20G63G6FG6EG64G75G63G74G20G6FG66G20G69G6EG73G75G72G61G6EG63G65G20G61G63G74G69G76G2D G69G74G79G20 G69G74G20 G69G73G20 G77G6FG72G74G68G20 G6EG6FG74G69G6EG67G20 G74G68G61G74G20 G61G20 G66G75G6EG64G61G6DG65G6EG74G61G6CG20 G65G6CG65G2D G6DG65G6EG74G20 G6FG66G20 G74G68G65G20 G72G69G67G68G74G20 G6FG66G20 G70G72G6FG70G65G72G74G79G20 G69G73G20 G74G68G65G20 G72G69G67G68G74G20 G74G6F G64G69G73G70G6FG73G65G20G6FG66G20G6FG6EG65G92G73G20G70G72G6FG70G65G72G74G79 G39 G2CG20G65G2EG67G2EG20G62G79G20G69G6EG76G65G73G74G69G6EG67G20G69G74 G69G6EG20G61G6EG20G65G6EG74G65G72G70G72G69G73G65G2CG20G70G72G65G73G75G6DG61G62G6CG79G20G61G6CG73G6FG20G61G6EG20G69G6EG73G75G72G61G6EG63G65 G63G6FG6DG70G61G6EG79G2CG20G6FG72G20G62G79G20G62G65G71G75G65G61G74G68G69G6EG67G20G69G74G2EG20G41G6CG73G6FG20G74G68G65G20G65G78G65G72G2D 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Disputes under insurance schemes – property rights G49G66G20 G74G68G65G20 G72G69G67G68G74G73G20 G75G6EG64G65G72G20 G61G6EG20 G69G6EG73G75G72G61G6EG63G65G20 G68G61G76G65G20 G62G65G63G6FG6DG65 G65G6EG66G6FG72G63G65G61G62G6CG65G20G69G6EG20G6EG61G74G69G6FG6EG61G6CG20G6CG61G77G2CG20G65G2EG67G2EG20G61G73G20G61G20G72G65G73G75G6CG74G20G6FG66G20G61 G66G69G6EG61G6CG20G63G6FG75G72G74G20G6AG75G64G67G6DG65G6EG74G2CG20G74G68G65G20G76G65G72G79G20G61G6DG6FG75G6EG74G20G61G77G61G72G64G65G64 G69G73G20G74G68G65G20G70G72G6FG70G65G72G74G79G20G6FG66G20G74G68G65G20G61G70G70G6CG69G63G61G6EG74G20G61G6EG64G20G70G72G6FG74G65G63G74G65G64G20G62G79 G41G72G74G69G63G6CG65G20G31G20G6FG66G20G50G72G6FG74G6FG63G6FG6CG20G4EGB0G20G31G20G6FG66G20G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG20G73G6F G74G68G61G74G20G69G74G20G68G61G73G20G74G6FG20G62G65G20G70G61G69G64 G33G30 G2E G52G69G67G68G74G73G20 G75G6EG64G65G72G20 G61G6EG20 G69G6EG73G75G72G61G6EG63G65G20 G73G63G68G65G6DG65G20 G6DG61G79G20 G62G65 G70G72G6FG74G65G63G74G65G64G20G62G79G20G74G68G65G20G72G69G67G68G74G20G6FG66G20G70G72G6FG70G65G72G74G79G20G65G76G65G6EG20G6FG75G74G73G69G64G65 G74G68G65G20 G70G72G6FG74G65G63G74G69G6FG6EG20 G61G66G66G6FG72G64G65G64G20 G69G6EG20 G67G65G6EG65G72G61G6CG20 G75G6EG64G65G72G20 G74G68G65 G43G6FG6EG76G65G6EG74G69G6FG6EG20 G74G6FG20 G63G6CG61G69G6DG73G20 G65G6EG66G6FG72G63G65G61G62G6CG65G20 G75G6EG64G65G72G20 G64G6FG2D G6DG65G73G74G69G63G20G6CG61G77G2EG20G49G6EG20G74G68G65G20G47G61G79G67G75G73G75G7AG20G63G61G73G65G20G61G67G61G69G6EG73G74G20G41G75G73G2D G74G72G69G61G2CG20 G74G68G65G20 G43G6FG75G72G74G20 G63G6FG6EG73G69G64G65G72G65G64G20 G74G68G61G74G20 G74G68G65G20 G72G69G67G68G74G20 G74G6F G65G6DG65G72G67G65G6EG63G79G20 G61G73G73G69G73G74G61G6EG63G65G20 G61G73G20 G70G72G6FG76G69G64G65G64G20 G61G74G20 G74G68G65G20 G74G69G6DG65 G62G79G20 G41G75G73G74G72G69G61G6EG20 G6CG65G67G69G73G6CG61G74G69G6FG6EG20 G77G61G73G20 G61G20 G70G65G63G75G6EG69G61G72G79G20 G72G69G67G68G74 G70G72G6FG74G65G63G74G65G64G20G62G79G20G74G68G65G20G72G69G67G68G74G20G6FG66G20G70G72G6FG70G65G72G74G79G20G69G6EG20G41G72G74G69G63G6CG65G20G31G20G6FG66 G50G72G6FG74G6FG63G6FG6CG20G4EG6FG2EG20G31G20G61G73G20G72G65G67G61G72G64G73G20G61G6CG6CG20G69G6EG73G75G72G65G64G3AG20G45G6EG74G69G74G6CG65G2D G6DG65G6EG74G20 G74G6FG20 G74G68G69G73G20 G73G6FG63G69G61G6CG20 G62G65G6EG65G66G69G74G20 G77G61G73G20 G6CG69G6EG6BG65G64G20 G74G6FG20 G74G68G65 G70G61G79G6DG65G6EG74G20G6FG66G20G63G6FG6EG74G72G69G62G75G74G69G6FG6EG73G20G74G6FG20G74G68G65G20G75G6EG65G6DG70G6CG6FG79G6DG65G6EG74 G69G6EG73G75G72G61G6EG63G65G20G66G75G6EG64G20G77G68G69G63G68G20G70G61G69G64G20G74G68G65G20G65G6DG65G72G67G65G6EG63G79G20G61G73G2D G73G69G73G74G61G6EG63G65G20 G69G6EG20 G73G75G63G68G20 G61G20 G77G61G79G20 G74G68G61G74G20 G70G61G79G6DG65G6EG74G20 G6FG66G20 G74G68G65 G63G6FG6EG74G72G69G62G75G74G69G6FG6EG73G20 G77G61G73G20 G61G20 G70G72G65G63G6FG6EG64G69G74G69G6FG6EG20 G66G6FG72G20 G74G68G65G20 G70G61G79G2D G6DG65G6EG74G20 G6FG66G20G75G6EG65G6DG70G6CG6FG79G6DG65G6EG74G20 G62G65G6EG65G66G69G74 G33G31 G2EG20 G41G63G63G6FG72G64G69G6EG67G2D G6CG79G2CG20G69G74G20G63G6FG75G6CG64G20G6EG6FG74G20G62G65G20G69G6EG74G65G72G66G65G72G65G64G20G77G69G74G68G20G69G6EG20G76G69G6FG6CG61G74G69G6FG6EG20G6FG66 G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG2CG20G6EG6FG74G61G62G6CG79G20G74G68G65G20G67G75G61G72G61G6EG74G65G65G73G20G70G72G6FG76G69G64G2D G65G64G20G61G67G61G69G6EG73G74G20G64G69G73G63G72G69G6DG69G6EG61G74G69G6FG6EG20G96G20G73G65G65G20G6DG6FG72G65G20G62G65G6CG6FG77G2E G54G68G65G20 G72G69G67G68G74G20 G74G6FG20 G73G74G61G74G65G20 G70G65G6EG73G69G6FG6EG20 G75G6EG64G65G72G20 G64G69G66G66G65G72G65G6EG74 G6CG65G67G61G6CG20G73G79G73G74G65G6DG73G20G6DG61G79G20G61G6CG73G6FG20G68G61G76G65G20G74G68G69G73G20G63G6FG6EG73G74G72G75G63G74G69G6FG6E G62G61G73G65G64G20G6FG6EG20G73G70G65G63G69G66G69G63G20G63G6FG6EG74G72G69G62G75G74G69G6FG6EG73G20G61G6EG64G20G6DG61G79G20G74G68G65G72G65G2D G66G6FG72G65G20 G61G6CG73G6FG20 G63G6FG6EG73G74G69G74G75G74G65G20 G61G20 G70G72G6FG70G65G72G74G79G20 G72G69G67G68G74 G33G32 G2EG20 G53G6FG63G69G61G6C G69G6EG73G75G72G61G6EG63G65G20G62G65G6EG65G66G69G74G73G20G75G6EG64G65G72G20G73G63G68G65G6DG65G73G20G66G69G6EG61G6EG63G65G64G20G62G79 G6FG72G64G69G6EG61G72G79G20G74G61G78G61G74G69G6FG6EG20G6FG72G20G74G68G72G6FG75G67G68G20G6FG74G68G65G72G20G67G65G6EG65G72G61G6CG69G7AG65G64 G63G6FG6EG74G72G69G62G75G74G69G6FG6EG73G20G77G69G6CG6CG20G70G72G6FG62G61G62G6CG79G20G6EG6FG74G20G63G72G65G61G74G65G20G74G68G69G73G20G6BG69G6EG64 G6FG66G20G70G72G6FG70G65G72G74G79G20G72G69G67G68G74G20G69G6EG20G74G68G65G20G65G6EG6AG6FG79G6DG65G6EG74G20G6FG66G20G74G68G65G20G62G65G6EG65G2D G66G69G74G73G20G75G6EG64G65G72G20G74G68G65G20G73G79G73G74G65G6DG2E d. 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Discrimination in the enjoyment of insurance benefits G44G69G73G63G72G69G6DG69G6EG61G74G69G6FG6EG20 G69G73G20 G69G6EG20 G67G65G6EG65G72G61G6CG20 G70G72G6FG68G69G62G69G74G65G64G20 G75G6EG64G65G72 G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG92G73G20G41G72G74G69G63G6CG65G20G31G34G2EG20G49G6EG20G6FG72G64G65G72G20G74G6FG20G65G73G74G61G62G2D G6CG69G73G68G20G64G69G73G63G72G69G6DG69G6EG61G74G69G6FG6EG20G69G74G20G68G61G73G20G66G69G72G73G74G20G74G6FG20G62G65G20G65G73G74G61G62G6CG69G73G68G65G64 G74G68G61G74G20 G72G65G66G65G72G65G6EG63G65G20 G69G73G20 G6DG61G64G65G20 G74G6FG20 G61G6EG20 G61G6EG61G6CG6FG67G6FG75G73G20 G73G69G74G75G61G2D G74G69G6FG6EG2EG20G49G66G20G74G68G61G74G20G69G73G20G73G6FG20G74G68G65G72G65G20G77G69G6CG6CG20G62G65G20G64G69G73G63G72G69G6DG69G6EG61G74G69G6FG6EG20G69G66 G74G68G65G72G65G20G69G73G20G6EG6FG20G6FG62G6AG65G63G74G69G76G65G20G6AG75G73G74G69G66G69G63G61G74G69G6FG6EG20G66G6FG72G20G74G68G65G20G64G69G66G66G65G72G2D G65G6EG63G65G20G69G6EG20G74G72G65G61G74G6DG65G6EG74 G33G35 G2E G53G75G63G68G20G61G20G64G69G73G63G72G69G6DG69G6EG61G74G69G6FG6EG20G62G61G73G65G64G20G6FG6EG20G73G65G78G20G77G61G73G20G65G2EG67G2E G65G73G74G61G62G6CG69G73G68G65G64G20G69G6EG20G74G68G65G20G53G63G68GFCG6CG65G72G2DG5AG67G72G61G67G67G65G6EG20G63G61G73G65G20G61G67G61G69G6EG73G74 G53G77G69G74G7AG65G72G6CG61G6EG64G2EG20 G54G68G69G73G20 G63G61G73G65G20 G63G6FG6EG63G65G72G6EG65G64G20 G74G68G65G20 G61G70G70G6CG69G2D G63G61G6EG74G92G73G20 G63G6FG6EG74G69G6EG75G65G64G20 G65G6EG74G69G74G6CG65G6DG65G6EG74G20 G74G6FG20 G61G6EG20 G69G6EG76G61G6CG69G64G69G74G79 G70G65G6EG73G69G6FG6EG20G75G6EG64G65G72G20G61G20G66G65G64G65G72G61G6CG20G73G6FG63G69G61G6CG20G69G6EG73G75G72G61G6EG63G65G20G73G63G68G65G6DG65 G66G6FG6CG6CG6FG77G69G6EG67G20 G74G68G65G20 G62G69G72G74G68G20 G6FG66G20 G68G65G72G20 G66G69G72G73G74G20 G63G68G69G6CG64G20 G61G6EG64G20 G74G68G65 G64G69G73G63G72G69G6DG69G6EG61G74G69G6FG6EG20G72G65G73G75G6CG74G65G64G20G66G72G6FG6DG20G74G68G65G20G46G65G64G65G72G61G6CG20G43G6FG75G72G74G92G73 G72G65G66G75G73G61G6CG20G6FG66G20G74G68G69G73G20G70G65G6EG73G69G6FG6EG20G6FG6EG20G74G68G65G20G61G73G73G75G6DG70G74G69G6FG6EG20G74G68G61G74 G6DG6FG74G68G65G72G73G20 G64G6FG20 G6EG6FG74G20 G67G6FG20 G62G61G63G6BG20 G74G6FG20 G77G6FG72G6BG20 G61G66G74G65G72G20 G63G68G69G6CG64 G62G69G72G74G68G2EG20G57G6FG75G6CG64G20G65G6EG6AG6FG79G6DG65G6EG74G20G6FG66G20G63G65G72G74G61G69G6EG20G73G6FG63G69G61G6CG20G69G6EG73G75G72G2D G61G6EG63G65G20G62G65G6EG65G66G69G74G73G2CG20G6EG6FG20G73G75G63G68G20G6AG75G73G74G69G66G69G63G61G74G69G6FG6EG20G77G61G73G20G66G6FG75G6EG64 G66G6FG72G20 G74G68G65G20 G61G73G20G77G6FG6DG65G6EG20G6EG6FG74G20G66G6FG75G6EG64G20G6CG69G6BG65G6CG79G20G67G6FG20G62G61G63G6BG20G74G6F G6CG61G62G6FG75G72G20G6DG61G72G6BG65G74G20G61G66G74G65G72G20G63G68G69G6CG64G62G69G72G74G68 G33G36 G2EG20G41G20G73G69G6DG69G6CG61G72G20G76G69G6FG2D G6CG61G74G69G6FG6EG20 G62G61G73G65G64G20 G6FG6EG20 G6EG61G74G69G6FG6EG61G6CG69G74G79G20 G77G61G73G20 G66G6FG75G6EG64G20 G69G6EG20 G74G68G65 G47G61G79G67G75G73G75G7AG20 G63G61G73G65G20 G61G67G61G69G6EG73G74G20 G41G75G73G74G72G69G61G2EG20 G48G65G72G65G20 G74G68G65G20 G64G69G73G2D G63G72G69G6DG69G6EG61G74G69G6FG6EG20 G73G74G65G6DG6DG65G64G20 G66G72G6FG6DG20 G74G68G65G20 G66G61G63G74G20 G74G68G61G74G20 G6EG6FG6EG2D G41G75G73G74G72G69G61G6EG73G20G64G69G64G20G6EG6FG74G20G65G6EG6AG6FG79G20G74G68G65G20G73G61G6DG65G20G62G65G6EG65G66G69G74G73G20G75G6EG64G65G72 G61G6EG20G75G6EG65G6DG70G6CG6FG79G6DG65G6EG74G20G69G6EG73G75G72G61G6EG63G65G20G73G63G68G65G6DG65G20G61G73G20G41G75G73G74G72G69G2D G61G6EG73G2CG20G61G6CG62G65G69G74G20G73G75G62G6AG65G63G74G65G64G20G62G79G20G6CG61G77G20G74G6FG20G70G61G79G69G6EG67G20G74G68G65G20G73G61G6DG65 G6CG65G76G65G6CG20G6FG66G20G63G6FG6EG74G72G69G62G75G74G69G6FG6EG73G20G61G73G20G74G68G65G20G6CG61G74G74G65G72 G33G37 G2EG20G54G68G65G20G55G6EG69G74G2D G65G64G20G4BG69G6EG67G64G6FG6DG20G68G61G73G20G72G65G63G65G6EG74G6CG79G2CG20G62G79G20G63G6FG6EG63G6CG75G64G69G6EG67G20G66G72G69G65G6EG64G2D G6CG79G20G73G65G74G74G6CG65G6DG65G6EG74G73G2CG20G61G76G6FG69G64G65G64G20G68G61G76G69G6EG67G20G74G68G65G20G6DG65G72G69G74G73G20G6FG66G20G61 G6EG75G6DG62G65G72G20G6FG66G20G63G6FG6DG70G6CG61G69G6EG74G73G20G72G65G67G61G72G64G69G6EG67G20G73G65G78G20G64G69G73G63G72G69G6DG69G2D G6EG61G74G69G6FG6EG20G62G61G73G65G64G20G6FG6EG20G74G68G65G20G66G61G63G74G20G74G68G61G74G20G6FG6EG6CG79G20G77G6FG6DG65G6EG20G77G65G72G65 G65G6CG69G67G69G62G6CG65G20G66G6FG72G20G63G65G72G74G61G69G6EG20G62G65G72G65G61G76G65G6DG65G6EG74G73G20G62G65G6EG65G66G69G74G73G20G75G6EG2D G64G65G72G20G70G65G6EG73G69G6FG6EG20G73G63G68G65G6DG65G73G20G69G6EG20G63G61G73G65G20G6FG66G20G74G68G65G20G6FG74G68G65G72G20G73G70G6FG75G73G65G92G73 G64G65G61G74G68G2EG20 G41G74G20 G74G68G65G20 G73G61G6DG65G20 G74G69G6DG65G20 G74G68G65G20 G6CG65G67G69G73G6CG61G74G69G6FG6EG20 G68G61G73 G63G68G61G6EG67G65G64G20G73G6FG20G61G73G20G74G6FG20G61G6CG6CG6FG77G20G61G6CG73G6FG20G6DG65G6EG20G61G20G72G69G67G68G74G20G74G6FG20G74G68G65G73G65 G62G65G6EG65G66G69G74G73 G33G38 G2E f. Healthcare schemes and expulsion G45G73G70G65G63G69G61G6CG6CG79G20G73G6FG63G69G61G6CG20G69G6EG73G75G72G61G6EG63G65G20G6DG61G79G20G61G6CG73G6FG20G62G65G20G61G20G72G65G6CG65G2D G76G61G6EG74G20G63G6FG6EG73G69G64G65G72G61G74G69G6FG6EG20G69G6EG20G65G78G70G75G6CG73G69G6FG6EG20G63G61G73G65G73G2EG20G54G68G65G20G69G73G2D G73G75G65G20 G68G61G73G20 G69G6EG20 G70G61G72G74G69G63G75G6CG61G72G20 G62G65G65G6EG20 G72G61G69G73G65G64G20 G69G6EG20 G63G61G73G65G20 G6FG66 G65G78G70G75G6CG73G69G6FG6EG20G6FG66G20G41G49G44G53G20G69G6EG66G65G63G74G65G64G20G70G65G72G73G6FG6EG73G20G6EG6FG74G20G6CG69G6BG65G6CG79 G74G6FG20G72G65G63G65G69G76G65G20G61G64G65G71G75G61G74G65G20G6DG65G64G69G63G61G6CG20G63G61G72G65G20G69G6EG20G74G68G65G20G63G6FG75G6EG74G72G79 G6FG66G20 G64G65G73G74G69G6EG61G74G69G6FG6EG2EG20 G44G65G63G69G64G69G6EG67G20 G74G68G69G73G20 G69G73G73G75G65G20 G69G6EG76G6FG6CG76G65G73 G69G6EG74G72G69G63G61G74G65G20G61G73G73G65G73G73G6DG65G6EG74G73G20G6FG66G20G74G68G65G20G61G70G70G6CG69G63G61G6EG74G92G73G20G68G65G61G6CG74G68 G73G69G74G75G61G74G69G6FG6EG20 G61G6EG64G20 G74G68G65G20 G73G69G74G75G61G74G69G6FG6EG20 G69G6EG20 G74G68G65G20 G63G6FG75G6EG74G72G79G20 G6FG66 G64G65G73G74G69G6EG61G74G69G6FG6EG2EG20G49G6EG20G6DG6FG73G74G20G63G61G73G65G73G2CG20G73G75G63G68G20G61G73G20G74G68G65G20G42G65G6EG73G61G69G64 G63G61G73G65G20G61G67G61G69G6EG73G74G20G74G68G65G20G55G6EG69G74G65G64G20G4BG69G6EG67G64G6FG6DG20G6FG72G20G74G68G65G20G4BG61G72G61G72G61 G63G61G73G65G20G61G67G61G69G6EG73G74G20G46G69G6EG6CG61G6EG64G2CG20G74G68G65G20G43G6FG75G72G74G20G68G61G73G20G68G65G6CG64G20G74G68G61G74G20G74G68G65 G65G78G69G73G74G65G6EG63G65G20G6FG66G20G66G72G65G65G20G68G65G61G6CG74G68G20G63G61G72G65G20G69G73G20G6EG6FG74G20G61G20G73G75G66G66G69G63G69G65G6EG74 G72G65G61G73G6FG6EG20G61G6CG6CG6FG77G20G74G68G65G20G61G70G70G6CG69G63G61G6EG74G20G74G6FG20G73G74G61G79G20G69G6EG20G74G68G65G20G63G6FG75G6EG2D G74G72G79G2EG20 G48G6FG77G65G76G65G72G2CG20 G69G6EG20 G74G68G65G20 G63G61G73G65G20 G6FG66G20 G44G2EG20 G61G67G61G69G6EG73G74G20 G74G68G65 G55G6EG69G74G65G64G20G4BG69G6EG67G64G6FG6DG20G69G74G20G64G69G64G20G66G69G6EG64G20G74G68G61G74G20G74G68G65G20G65G78G70G75G6CG73G69G6FG6E G6FG66G20G74G68G65G20G61G70G70G6CG69G63G61G6EG74G2CG20G69G6EG20G66G69G6EG61G6CG20G73G74G61G67G65G20G6FG66G20G41G49G44G53G2CG20G74G6FG20G53G3AG74 G4BG69G74G74G73G20 G77G6FG75G6CG64G20 G76G69G6FG6CG61G74G65G20 G41G72G74G69G63G6CG65G20 G33G20 G6FG66G20 G74G68G65G20 G43G6FG6EG76G65G6EG2D G74G69G6FG6EG2EG20G41G63G63G6FG72G64G69G6EG67G6CG79G2CG20G44G2EG20G77G61G73G20G61G6CG6CG6FG77G65G64G20G74G6FG20G73G74G61G79G20G69G6EG20G74G68G65 G55G6EG69G74G65G64G20G4BG69G6EG67G64G6FG6D G33G39 G2E g. Insurance and just satisfaction G54G68G65G20 G61G77G61G72G64G69G6EG67G20 G6FG66G20 G6AG75G73G74G20 G73G61G74G69G73G66G61G63G74G69G6FG6EG20 G6DG61G79G20 G72G61G69G73G65 G69G73G73G75G65G73G20G6FG66G20G63G6FG2DG6FG72G64G69G6EG61G74G69G6FG6EG20G77G69G74G68G20G6EG61G74G69G6FG6EG61G6CG20G69G6EG73G75G72G61G6EG63G65 G73G63G68G65G6DG65G73G2EG20G46G6FG72G20G65G78G61G6DG70G6CG65G2CG20G69G6EG20G74G68G65G20G63G61G73G65G20G6FG66G20G75G6EG72G65G61G73G6FG6EG2D G61G62G6CG79G20G6CG6FG6EG67G20G70G72G6FG63G65G65G64G69G6EG67G73G20G72G65G67G61G72G64G69G6EG67G20G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG2D G70G65G6EG73G61G74G69G6FG6EG20 G62G65G63G61G75G73G65G20 G6FG66G20 G64G61G6DG61G67G65G2CG20 G74G68G65G20 G61G70G70G6CG69G63G61G6EG74 G6DG61G79G20G77G65G6CG6CG20G61G74G20G74G68G65G20G65G6EG64G20G68G61G76G65G20G61G20G72G69G67G68G74G20G74G6FG20G63G6FG6DG70G65G6EG73G61G2D G74G69G6FG6EG20G66G6FG72G20G74G68G65G20G63G6FG6EG74G69G6EG75G61G74G69G6FG6EG20G6FG66G20G68G69G73G20G6CG6FG73G73G65G73G20G64G75G72G69G6EG67G20G74G68G65 G75G6EG72G65G61G73G6FG6EG61G62G6CG79G20G6CG6FG6EG67G20G64G75G72G61G74G69G6FG6EG20G6FG66G20G74G68G65G20G70G72G6FG63G65G65G64G69G6EG67G73 G62G6FG74G68G20 G66G72G6FG6DG20 G74G68G65G20 G53G74G61G74G65G20 G75G6EG64G65G72G20 G41G72G74G69G63G6CG65G20 G34G31G20 G6FG66G20 G74G68G65 G43G6FG6EG76G65G6EG74G69G6FG6EG20 G61G6EG64G20 G66G72G6FG6DG20 G74G68G65G20 G69G6EG73G75G72G61G6EG63G65G20 G63G6FG6DG70G61G6EG79 G75G6EG64G65G72G20G74G68G65G20G69G6EG73G75G72G61G6EG63G65G20G70G6FG6CG69G63G79G2EG20G57G68G6FG20G73G68G61G6CG6CG20G65G76G65G6EG74G75G2D G61G6CG6CG79G20 G70G61G79G3FG20 G41G20 G71G75G65G73G74G69G6FG6EG20 G6FG66G20 G74G68G69G73G20 G6BG69G6EG64G20 G69G73G20 G70G72G65G73G65G6EG74G6CG79 G70G65G6EG64G69G6EG67G20 G75G6EG64G65G72G20 G74G68G65G20 G43G6FG6EG76G65G6EG74G69G6FG6EG20 G69G6EG20 G61G6EG20 G6FG6CG64G20 G63G61G73G65 G64G65G63G69G64G65G64G20G62G79G20G74G68G65G20G43G6FG6DG6DG69G74G74G65G65G20G6FG66G20G4DG69G6EG69G73G74G65G72G73G20G75G6EG64G65G72 G6FG6CG64G20 G41G72G74G69G63G6CG65G33G32G20 G6FG66G20 G74G68G65G20 G43G6FG6EG76G65G6EG74G69G6FG6EG20 G28G69G2EG65G2EG20 G61G73G20 G74G68G65 G73G79G73G74G65G6DG20G77G61G73G20G62G65G66G6FG72G65G20G74G68G65G20G69G6EG74G72G6FG64G75G63G74G69G6FG6EG20G6FG66G20G74G68G65G20G94G73G69G6EG2D G67G6CG65G94G20 G43G6FG75G72G74G20 G62G79G20 G50G72G6FG74G6FG63G6FG6CG20 G4EGB0G20 G31G31G20 G69G6EG20 G4EG6FG76G65G6DG62G65G72 G31G39G39G38G29 G34G30 G2EG20G41G73G20G74G68G65G20G43G6FG6DG6DG69G74G74G65G65G20G6FG66G20G4DG69G6EG69G73G74G65G72G73G20G75G73G75G61G6CG2D G6CG79G20G64G6FG65G73G20G6EG6FG74G20G70G72G6FG76G69G64G65G20G72G65G61G73G6FG6EG73G20G66G6FG72G20G69G74G73G20G6AG75G73G74G20G73G61G74G69G73G66G61G63G2D G74G69G6FG6EG20G64G65G63G69G73G69G6FG6EG73G2CG20G74G68G65G72G65G20G69G73G20G6CG69G74G74G6CG65G20G6CG69G6BG65G6CG69G68G6FG6FG64G20G74G68G61G74G20G74G68G65 G71G75G65G73G74G69G6FG6EG20 G77G69G6CG6CG20 G62G65G20 G61G6EG73G77G65G72G65G64G20 G69G6EG20 G74G68G69G73G20 G63G61G73G65G2EG20 G54G68G65 G71G75G65G73G74G69G6FG6EG20 G6FG66G20 G70G72G69G6EG63G69G70G6CG65G20 G69G73G20 G68G6FG77G65G76G65G72G20 G6FG66G20 G73G6FG6DG65G20 G69G6DG2D G70G6FG72G74G61G6EG63G65G20G61G6EG64G20G6DG61G79G20G77G65G6CG6CG20G61G72G69G73G65G20G62G65G66G6FG72G65G20G74G68G65G20G43G6FG75G72G74G20G69G6E G74G68G65G20G6EG65G61G72G20G66G75G74G75G72G65G2E G31G33G31 The European Convention on Human Rights and Insurance IV. Conclusions G54G68G65G20G69G6DG70G6CG69G63G61G74G69G6FG6EG73G20G6FG66G20G68G75G6DG61G6EG20G72G69G67G68G74G73G20G74G68G69G6EG6BG69G6EG67G20G6FG6E G69G6EG73G75G72G61G6EG63G65G20G61G72G65G20G6DG61G6EG69G66G6FG6CG64G2EG20G54G68G65G79G20G72G65G6CG61G74G65G20G74G6FG20G74G68G65G20G73G65G74G2D G74G69G6EG67G20G75G70G20G61G6EG64G20G72G75G6EG6EG69G6EG67G20G6FG66G20G74G68G65G20G69G6EG73G75G72G61G6EG63G65G20G63G6FG6DG70G61G6EG79G2C G74G6FG20G64G69G73G70G75G74G65G20G73G6FG6CG75G74G69G6FG6EG2CG20G74G6FG20G74G68G65G20G6CG69G6DG69G74G73G20G73G65G74G20G62G79G20G70G72G69G76G61G63G79 G74G6FG20 G69G6EG66G6FG72G6DG61G74G69G6FG6EG20 G67G61G74G68G65G72G69G6EG67G2CG20 G74G6FG20 G74G68G65G20 G6EG61G74G75G72G65G20 G6FG66G20 G74G68G65 G69G6EG73G75G72G61G6EG63G65G20G68G6FG6CG64G65G72G73G92G20G63G6CG61G69G6DG73G20G74G6FG20G62G65G6EG65G66G69G74G73G20G61G6EG64G20G74G6FG20G74G68G65 G70G6FG73G73G69G62G69G6CG69G74G69G65G73G20G6FG66G20G64G69G66G66G65G72G65G6EG74G69G61G74G65G64G20G74G72G65G61G74G6DG65G6EG74G20G6FG66G20G76G61G72G2D G69G6FG75G73G20 G69G6EG73G75G72G65G64G20 G67G72G6FG75G70G73G2EG20 G45G78G69G73G74G65G6EG63G65G20 G6FG66G20 G69G6EG73G75G72G61G6EG63G65 G6DG61G79G20G65G76G65G6EG20G62G65G20G61G20G72G65G6CG65G76G61G6EG74G20G63G6FG6EG73G69G64G65G72G61G74G69G6FG6EG20G69G6EG20G6FG74G68G65G72 G61G72G65G61G73G20G73G75G63G68G20G61G73G20G65G78G70G75G6CG73G69G6FG6EG2EG20G4FG6EG65G20G6FG66G20G74G68G65G20G6DG6FG73G74G20G69G6DG70G6FG72G2D G74G61G6EG74G20G71G75G65G73G74G69G6FG6EG73G20G64G65G61G6CG74G20G77G69G74G68G20G73G6FG20G66G61G72G20G68G61G73G20G63G6FG6EG63G65G72G6EG65G64 G74G68G65G20G64G69G73G70G75G74G65G20G73G65G74G74G6CG65G6DG65G6EG74G20G73G79G73G74G65G6DG2CG20G62G75G74G20G63G61G73G65G20G6CG61G77G20G69G6E G74G68G69G73G20G61G72G65G61G20G69G73G20G6EG6FG77G20G61G62G75G6EG64G61G6EG74G2EG20G54G68G69G73G20G64G6FG65G73G20G6EG6FG74G20G6DG65G61G6E G74G68G61G74G20G70G72G6FG62G6CG65G6DG73G20G68G61G76G65G20G64G69G73G61G70G70G65G61G72G65G64G2EG20G52G65G73G70G65G63G74G20G6FG66G20G74G68G65 G43G6FG6EG76G65G6EG74G69G6FG6EG92G73G20 G72G65G71G75G69G72G65G6DG65G6EG74G20 G74G68G61G74G20 G64G69G73G70G75G74G65G20 G73G65G74G74G6CG65G2D G6DG65G6EG74G20G62G65G20G66G61G69G72G20G61G6EG64G20G71G75G69G63G6BG20G72G65G71G75G69G72G65G73G20G63G6FG6EG73G74G61G6EG74G20G76G69G67G69G2D G6CG61G6EG63G65G20G6FG6EG20G74G68G65G20G70G61G72G74G20G6FG66G20G74G68G65G20G70G61G72G74G69G65G73G20G61G6EG64G20G74G68G65G20G61G75G74G68G6FG72G2D G69G74G69G65G73G2E G49G6EG74G65G72G65G73G74G69G6EG67G20G6EG65G77G20G70G72G6FG62G6CG65G6DG73G20G74G6FG20G62G65G20G73G6FG6CG76G65G64G20G62G79G20G74G68G65 G43G6FG75G72G74G20G77G69G6CG6CG20G70G72G6FG62G61G62G6CG79G20G72G65G6CG61G74G65G20G74G6FG20G70G72G69G76G61G63G79G20G61G6EG64G20G64G69G73G2D G63G72G69G6DG69G6EG61G74G69G6FG6EG2EG20G49G6EG63G72G65G61G73G69G6EG67G6CG79G20G70G65G72G66G65G63G74G65G64G20G6DG6FG64G65G6CG73G20G6FG66 G72G69G73G6BG20G61G73G73G65G73G73G6DG65G6EG74G20G6DG61G79G20G74G68G75G73G20G63G72G65G61G74G65G20G67G72G65G61G74G65G72G20G6EG65G65G64G73 G6FG66G20 G69G6EG66G6FG72G6DG61G74G69G6FG6EG20 G67G61G74G68G65G72G69G6EG67G20 G61G6EG64G20 G64G69G66G66G65G72G65G6EG74G69G61G74G65G64 G74G72G65G61G74G6DG65G6EG74G2EG20 G43G6FG73G74G20 G63G68G61G73G69G6EG67G20 G61G6EG64G20 G74G68G65G20 G66G69G67G68G74G20 G61G67G61G69G6EG73G74 G66G72G61G75G64G20 G6DG61G79G20 G77G65G6CG6CG20 G6CG65G61G64G20 G74G6FG20 G64G69G66G66G65G72G65G6EG74G20 G6DG6FG72G65G20 G6FG72G20 G6CG65G73G73 G63G6FG76G65G72G74G20G73G79G73G74G65G6DG73G20G6FG66G20G66G6FG6CG6CG6FG77G20G75G70G20G61G6EG64G20G69G6EG76G65G73G74G69G67G61G74G69G6FG6EG73G2E G49G6EG66G6FG72G6DG61G74G69G6FG6EG20G67G61G74G68G65G72G69G6EG67G20G6DG61G79G2CG20G68G6FG77G65G76G65G72G2CG20G61G73G20G73G68G6FG77G6E G61G62G6FG76G65G2CG20G69G6EG66G72G69G6EG67G65G20G74G68G65G20G72G69G67G68G74G20G74G6FG20G70G72G69G76G61G63G79G20G61G6EG64G20G64G69G66G66G65G72G2D G65G6EG74G69G61G74G65G64G20G74G72G65G61G74G6DG65G6EG74G20G6DG61G79G20G61G6DG6FG75G6EG74G20G74G6FG20G64G69G73G63G72G69G6DG69G6EG61G2D G74G69G6FG6EG2EG20 G54G68G65G20 G74G68G72G65G61G74G20 G6FG66G20 G63G6FG6DG70G65G74G69G74G69G6FG6EG2CG20 G77G68G69G63G68G20 G69G73G20 G61 G63G6FG6EG73G74G61G6EG74G20 G69G6EG20 G70G72G69G76G61G74G65G20 G69G6EG73G75G72G61G6EG63G65G2CG20 G6DG61G79G20 G70G72G6FG76G69G64G65 G63G65G72G74G61G69G6EG20 G62G75G69G6CG74G20 G69G6EG20 G62G61G72G72G69G65G72G73G20 G61G67G61G69G6EG73G74G20 G61G62G75G73G65G2EG20 G57G69G74G68 G72G65G73G70G65G63G74G20G74G6FG20G73G74G61G74G65G20G72G75G6EG20G69G6EG73G75G72G61G6EG63G65G20G73G75G63G68G20G62G61G72G72G69G65G72G73G20G68G61G76G65 G66G72G6FG6DG20G74G68G65G20G62G65G67G69G6EG6EG69G6EG67G20G74G6FG20G62G65G20G63G6FG6EG74G61G69G6EG65G64G20G69G6EG20G6CG61G77G73G20G61G6EG64 G72G65G67G75G6CG61G74G69G6FG6EG73G2EG20G41G64G65G71G75G61G74G65G20G70G72G6FG74G65G63G74G69G6FG6EG20G77G69G6CG6CG20G74G68G75G73G20G63G61G6CG6C G62G6FG74G68G20G66G6FG72G20G6EG6FG72G6DG61G74G69G76G65G20G61G63G74G69G6FG6EG20G61G6EG64G20G65G66G66G65G63G74G69G76G65G20G72G65G6DG65G2D G64G69G65G73G20G69G6EG20G69G6EG64G69G76G69G64G75G61G6CG20G63G61G73G65G73G2E G54G68G65G20 G64G69G72G65G63G74G20 G65G66G66G65G63G74G20 G6EG6FG72G6DG61G6CG6CG79G20 G61G63G63G6FG72G64G65G64G20 G74G6FG20 G74G68G65 G43G6FG6EG76G65G6EG74G69G6FG6EG20G61G6EG64G20G74G68G65G20G6AG75G64G67G6DG65G6EG74G73G20G6FG66G20G74G68G65G20G43G6FG75G72G74G20G62G79 G74G68G65G20G64G6FG6DG65G73G74G69G63G20G61G75G74G68G6FG72G69G74G69G65G73G2CG20G69G6EG63G6CG75G64G69G6EG67G20G74G68G65G20G63G6FG75G72G74G73G2C G69G6EG20G74G68G65G20G43G6FG75G6EG63G69G6CG20G6FG66G20G45G75G72G6FG70G65G20G6DG65G6DG62G65G72G20G53G74G61G74G65G73G2CG20G70G72G6FG2D G76G69G64G65G20G61G6EG20G69G6DG70G6FG72G74G61G6EG74G20G67G75G61G72G61G6EG74G65G65G20G61G67G61G69G6EG73G74G20G61G62G75G73G65G20G96G20G69G66 G74G68G65G20 G71G75G65G73G74G69G6FG6EG20 G69G73G20 G72G61G69G73G65G64G2EG20 G49G6EG20 G66G61G63G74G20 G74G68G65G20 G77G68G6FG6CG65G20 G43G6FG6EG2D G76G65G6EG74G69G6FG6EG20G70G72G6FG74G65G63G74G69G6FG6EG20G66G61G6CG6CG73G20G61G70G61G72G74G20G69G66G20G74G68G65G20G71G75G65G73G74G69G6FG6EG20G69G73 G6EG6FG74G20G72G61G69G73G65G64G20G61G6CG72G65G61G64G79G20G69G6EG20G74G68G65G20G6EG61G74G69G6FG6EG61G6CG20G70G72G6FG63G65G65G64G69G6EG67G73G2E G41G20G63G6FG6DG70G6CG61G69G6EG74G20G74G6FG20G74G68G65G20G43G6FG75G72G74G20G77G69G6CG6CG20G6FG6EG6CG79G20G62G65G20G61G64G6DG69G73G73G69G2D G62G6CG65G20G77G68G65G72G65G20G74G68G65G20G43G6FG6EG76G65G6EG74G69G6FG6EG20G61G72G67G75G6DG65G6EG74G73G20G77G65G72G65G20G70G72G65G2D G73G65G6EG74G65G64G20G62G65G66G6FG72G65G20G74G68G65G20G63G6FG6DG70G65G74G65G6EG74G20G64G6FG6DG65G73G74G69G63G20G61G75G74G68G6FG72G69G2D G74G69G65G73G2EG20 G45G76G65G6EG20 G69G6EG20 G74G68G65G20 G61G72G65G61G20 G6FG66G20 G74G68G65G20 G43G6FG6EG76G65G6EG74G69G6FG6EG92G73 G68G75G6DG61G6EG20G72G69G67G68G74G73G20G70G72G6FG74G65G63G74G69G6FG6EG20G73G79G73G74G65G6DG20G74G68G65G20G6FG6CG64G20G61G64G61G67G65 G74G68G61G74G20G93G69G67G6EG6FG72G61G74G69G61G20G6AG75G72G69G73G20G6EG6FG63G65G74G94G20G72G65G74G61G69G6EG73G20G76G61G6CG69G64G69G74G79 G34G31 G2E Notes G31 G20G4AG75G64G67G6DG65G6EG74G20G6FG66G20G39G2FG31G32G2FG31G39G39G34G2E G32 G20G4AG75G64G67G6DG65G6EG74G20G6FG66G20G39G2FG32G2FG31G39G39G38G2E G33 G20G41G6EG20G75G6EG73G75G63G63G65G73G73G66G75G6CG20G61G74G74G65G6DG70G74G20G74G6FG20G61G73G73G65G72G74G20G63G6CG61G69G6DG73G20G6FG66G20G74G68G69G73 G6BG69G6EG64G20 G77G61G73G20 G6DG61G64G65G20 G69G6EG20 G74G68G65G20 G63G61G73G65G20 G4EG6FG72G64G68G20 G76G2EG20 G53G77G65G64G65G6EG2C G61G70G70G6CG69G63G61G74G69G6FG6EG20 G31G34G32G32G35G2FG38G38G2CG20 G69G6EG61G64G6DG69G73G73G69G62G69G6CG69G74G79G20 G64G65G63G69G73G69G6FG6E G30G33G2FG31G32G2FG39G30G20G96G20G63G65G72G74G61G69G6EG20G63G6FG6EG73G65G71G75G65G6EG63G65G73G20G6FG66G20G74G68G65G20G62G69G67G20G6CG61G6EG64G2D G73G6CG69G64G65G20G69G6EG20G54G75G76G65G20G69G6EG20G31G39G37G37G2E G34 G20G53G65G65G20G65G2EG67G2EG20G4EG6FG6CG64G20G76G2EG20G43G6FG6DG6DG69G73G73G69G6FG6EG20G5BG31G39G37G34G5DG20G45G43G52G34G39G31G20G2D G66G6FG72G20 G66G75G72G74G68G65G72G20 G64G65G74G61G69G6CG73G20 G6FG6EG20 G74G68G69G73G20 G70G6FG69G6EG74G20 G66G6FG72G20 G65G78G61G6DG70G6CG65 G4CG61G6DG6DG79G20 G42G65G74G74G65G6EG20 G61G6EG64G20 G4EG69G63G68G6FG6CG61G73G20 G47G72G69G65G66G20 G2CG20 G94G45G55G20 G4CG61G77 G61G6EG64G20G48G75G6DG61G6EG20G52G69G67G68G74G73G94G20G4CG6FG6EG67G6DG61G6EG2CG20G31G39G39G38G20G61G6EG64G20G43G72G61G69G67 G61G6EG64G20G44G65G20G42G75G72G63G61G20G94G45G55G20G4CG61G77G20G74G65G78G74G2CG20G63G61G73G65G73G20G61G6EG64G20G6DG61G74G65G72G69G2D G61G6CG73G94G2CG20G32G6EG64G20G65G64G69G74G69G6FG6EG2CG20G4FG78G66G6FG72G64G20G31G39G39G38G2E G35 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