{"id":1811,"date":"2025-03-31T10:13:15","date_gmt":"2025-03-31T09:13:15","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=1811"},"modified":"2025-03-31T14:25:36","modified_gmt":"2025-03-31T13:25:36","slug":"jurisprudencia-1-3-2-2-2-2-3-3-2-2-2-2-2-2-2-2-3-2-2-2","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=1811","title":{"rendered":"REFOR\u00c7O DA RESILI\u00caNCIA DAS ENTIDADES CR\u00cdTICAS"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83\">\n.avia-section.av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83{\nbackground-color:#ff8100;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-5zcqm7-ba5918912b3ad285341fbd284ec2eb83 main_color avia-section-small avia-no-border-styling  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  avia-bg-style-fixed av-custom-positioned container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1811'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-423t8v-ffb712e6d4a34de5166ee591d0b59c99 av_one_full  avia-builder-el-1  avia-builder-el-no-sibling  first av-break-at-tablet flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2s55cf-7048b189d0d08093eecd54e970819c57\">\n#top .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57{\nmargin:0 0 0 0;\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:25px;\n}\nbody .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag .heading-wrap:after{\nborder-color:rgba(0,0,0,0.01);\n}\n\n@media only screen and (max-width: 479px){ \n#top .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag{\nfont-size:17px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57{\nmargin:0 0 -35px 0;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-2s55cf-7048b189d0d08093eecd54e970819c57 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-2s55cf-7048b189d0d08093eecd54e970819c57 av-special-heading-h6 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size'><h6 class='av-special-heading-tag'  itemprop=\"headline\"  >Newsletter APS #08 | mar\u00e7o 2025<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1811'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-trht6-2531b05852eb1b77cb261c9b9e83c8d6 av_one_full  avia-builder-el-3  el_after_av_section  avia-builder-el-no-sibling  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1\">\n#top .av-post-metadata-container.av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1 .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-e9plz-8ffcd0ae1f2734dc492daf9defc0daa1 av-metadata-container-align-left  avia-builder-el-4  el_before_av_heading  avia-builder-el-first  av-metadata-container-1'><div class='av-post-metadata-container-inner'><span class=\"av-post-metadata-content av-post-metadata-meta-content\"><span class=\"av-post-metadata-content av-post-metadata-category\"><span class=\"av-post-metadata-category-link\" ><a href=\"https:\/\/segurosecidadania.pt\/?cat=20\" >Legisla\u00e7\u00e3o e regulamenta\u00e7\u00e3o nacional<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5\">\n#top .av-special-heading.av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5{\nmargin:0 0 0 0;\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 20px 0;\n}\n.av-special-heading.av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-1b9wa-a77e0838e0f9681c4bdad8cfe576a6b5 av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_textblock  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >REFOR\u00c7O DA RESILI\u00caNCIA DAS ENTIDADES CR\u00cdTICAS<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-lpcvxr49-658fa9932d29cf43ab3d722201b819e3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div><\/div>\n<div><\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1496\" src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE.jpg\" alt=\"\" width=\"2000\" height=\"800\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/09\/CEE-705x282.jpg 705w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/p>\n<div><\/div>\n<\/div><\/section><br \/>\n<section  class='av_textblock_section av-2zmrk8-5934f042f7e73a64d8b3b9457abb5c0d '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div><\/div>\n<div>\n<p><strong>\u00a0<\/strong><\/p>\n<p>A <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2022\/2557\/oj?locale=pt\">Diretiva (UE) 2022\/2557, de 14 de dezembro<\/a>, sobre a resili\u00eancia das entidades cr\u00edticas, estabelece regras m\u00ednimas harmonizadas para assegurar a presta\u00e7\u00e3o de servi\u00e7os essenciais no mercado interno e melhorar a coopera\u00e7\u00e3o transfronteiri\u00e7a entre as autoridades competentes. A Diretiva foi transposta para o ordenamento jur\u00eddico nacional pelo <a href=\"https:\/\/diariodarepublica.pt\/dr\/detalhe\/decreto-lei\/22-2025-911488699\">Decreto-Lei n.\u00ba 22\/2025, de 19 de mar\u00e7o<\/a>.<\/p>\n<p>As entidades cr\u00edticas que prestem servi\u00e7os indispens\u00e1veis \u00e0 manuten\u00e7\u00e3o de fun\u00e7\u00f5es sociais e atividades econ\u00f3micas devem dispor de um sistema robusto de dete\u00e7\u00e3o, preven\u00e7\u00e3o, rea\u00e7\u00e3o e recupera\u00e7\u00e3o de incidentes com potencial para perturbar a presta\u00e7\u00e3o dos servi\u00e7os. A Diretiva identifica a banca e as infraestruturas do setor financeiro como setores de risco, embora n\u00e3o reconhe\u00e7a a atividade seguradora como servi\u00e7o essencial. Contudo, na transposi\u00e7\u00e3o da Diretiva, o setor segurador encontra-se consagrado no anexo ao diploma, considerando-se servi\u00e7os essenciais a subscri\u00e7\u00e3o de contratos de seguro e a gest\u00e3o e regulariza\u00e7\u00e3o de sinistros.<\/p>\n<p>Em primeiro lugar, dever\u00e1 ser feita, at\u00e9 17 de janeiro de 2026 (art. 56.\u00ba, n.\u00ba1), a avalia\u00e7\u00e3o nacional de risco, para identificar as entidades cr\u00edticas e as medidas de resili\u00eancia a adotar por parte destas entidades (cfr. art. 11.\u00ba, n.\u00ba1). Posteriormente, ser\u00e1 definida a estrat\u00e9gia nacional para a resili\u00eancia das entidades cr\u00edticas, na qual se estabelecem as medidas, os objetivos estrat\u00e9gicos e as linhas de a\u00e7\u00e3o nesta mat\u00e9ria, considerando a avalia\u00e7\u00e3o nacional de risco (art. 12.\u00ba, n.\u00ba1). Posto isto, ser\u00e3o identificadas as entidades cr\u00edticas considerando, nomeadamente, o car\u00e1ter essencial dos servi\u00e7os prestados (art. 13.\u00ba). A avalia\u00e7\u00e3o nacional de risco \u00e9 revista a cada quatro anos (art. 11.\u00ba, n.\u00ba7).<\/p>\n<p>A Autoridade de Supervis\u00e3o de Seguros e Fundos de Pens\u00f5es (ASF), enquanto entidade respons\u00e1vel pelo setor segurador, prop\u00f5e junto do Conselho Nacional de Planeamento Civil de Emerg\u00eancia quais as entidades cr\u00edticas, conforme o processo previsto nos artigos 15.\u00ba a 17.\u00ba. Sublinhe-se que as entidades cr\u00edticas no setor financeiro n\u00e3o est\u00e3o sujeitas \u00e0s obriga\u00e7\u00f5es previstas no decreto-lei sobre resili\u00eancia das entidades cr\u00edticas (cap\u00edtulo III), entidades cr\u00edticas de especial relev\u00e2ncia europeia (cap\u00edtulo IV) e fiscaliza\u00e7\u00e3o (cap\u00edtulo V) \u2013 cfr. art. 18.\u00ba. O processo de identifica\u00e7\u00e3o das entidades cr\u00edticas \u00e9 revisto de quatro em quatro anos, a partir de 17 de julho de 2026 (art. 19.\u00ba, n.\u00ba1, e art. 56.\u00ba, n.\u00ba3).<\/p>\n<p>Em suma, o setor segurador encontra-se no escopo do diploma, devido ao car\u00e1ter essencial das atividades de subscri\u00e7\u00e3o e de gest\u00e3o de sinistros, embora o seu impacto ainda seja desconhecido devido \u00e0 n\u00e3o defini\u00e7\u00e3o das entidades cr\u00edticas por ele abrangidas e as medidas que dever\u00e3o ser por elas adotadas. Estas d\u00favidas ser\u00e3o, no limite, dissipadas at\u00e9 17 de julho de 2026, data em que dever\u00e3o estar definidas quais as entidades cr\u00edticas e quais as obriga\u00e7\u00f5es que impendem sobre estas entidades.<\/p>\n<\/div>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A Diretiva (UE) 2022\/2557, de 14 de dezembro, sobre a resili\u00eancia das entidades cr\u00edticas, estabelece regras m\u00ednimas harmonizadas para assegurar a presta\u00e7\u00e3o de servi\u00e7os essenciais no mercado interno e melhorar a coopera\u00e7\u00e3o transfronteiri\u00e7a entre as autoridades competentes. A Diretiva foi transposta para o ordenamento jur\u00eddico nacional pelo Decreto-Lei n.\u00ba 22\/2025, de 19 de mar\u00e7o.<\/p>\n","protected":false},"author":1,"featured_media":1496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"quote","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-1811","post","type-post","status-publish","format-quote","has-post-thumbnail","hentry","category-legislacao-regulamentacao-nacional","post_format-post-format-quote"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1811"}],"version-history":[{"count":1,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1811\/revisions"}],"predecessor-version":[{"id":1813,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1811\/revisions\/1813"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/1496"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1811"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1811"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}