{"id":2247,"date":"2025-11-27T11:17:23","date_gmt":"2025-11-27T10:17:23","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=2247"},"modified":"2025-11-27T15:47:50","modified_gmt":"2025-11-27T14:47:50","slug":"ricardo-ferreira-reis-3-2-2-3-2-2-7-2-2-2-2-2-3-2-2-3-2-2","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=2247","title":{"rendered":"\u201cSTOP-THE-CLOCK\u201d: INSURANCE EUROPE PEDE PAUSA NO PROCESSO DA IRRD"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-409t0m-de118d3402fd503c6ff00b0257a1f77f\">\n.avia-section.av-409t0m-de118d3402fd503c6ff00b0257a1f77f{\nbackground-color:#ea3000;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-409t0m-de118d3402fd503c6ff00b0257a1f77f{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-409t0m-de118d3402fd503c6ff00b0257a1f77f main_color avia-section-small 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.heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-mihapsgb-423213216d61d1c36a6def38c3d16fcd .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-mihapsgb-423213216d61d1c36a6def38c3d16fcd .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-mihapsgb-423213216d61d1c36a6def38c3d16fcd .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-mihapsgb-423213216d61d1c36a6def38c3d16fcd .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-mihapsgb-423213216d61d1c36a6def38c3d16fcd .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-mihapsgb-423213216d61d1c36a6def38c3d16fcd{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-mihapsgb-423213216d61d1c36a6def38c3d16fcd .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-mihapsgb-423213216d61d1c36a6def38c3d16fcd{\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-mihapsgb-423213216d61d1c36a6def38c3d16fcd{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-mihapsgb-423213216d61d1c36a6def38c3d16fcd .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-mihapsgb-423213216d61d1c36a6def38c3d16fcd 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 #12 | novembro 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-2247'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-6kwi4-8e596f04c27eab16388547305a04b6bc 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-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f\">\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f 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=18\" >Europa<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7\">\n#top .av-special-heading.av-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7{\nmargin:20px 0 0 0;\npadding-bottom:20px;\nfont-size:30px;\n}\nbody .av-special-heading.av-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 10px 0;\n}\n.av-special-heading.av-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7 .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-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7 .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-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ls1rzmt1-320e71256f90aa1c55710a4786f0aad7 av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_image  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  ><span class='special_amp'>\u201c<\/span>STOP-THE-CLOCK<span class='special_amp'>\u201d<\/span>: INSURANCE EUROPE PEDE PAUSA NO PROCESSO DA IRRD<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls1s056x-acafd08c459973be98ad3a94cde1676d\">\n.avia-image-container.av-ls1s056x-acafd08c459973be98ad3a94cde1676d img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-ls1s056x-acafd08c459973be98ad3a94cde1676d .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-ls1s056x-acafd08c459973be98ad3a94cde1676d av-styling- avia-align-center  avia-builder-el-6  el_after_av_heading  el_before_av_textblock '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1581 avia-img-lazy-loading-not-1581 avia_image ' src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe.jpg\" alt='' title='Insurance europe'  height=\"800\" width=\"2000\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/11\/Insurance-europe-705x282.jpg 705w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ls1s13k0-bd5659602c8ec4c80c8d120e3dc440cc '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div>\n<p style=\"font-weight: 400;\">Recentemente, o Insurance Europe apelou a uma pausa no processo legislativo da Diretiva de Recupera\u00e7\u00e3o e Resolu\u00e7\u00e3o de Empresas de Seguros e de Resseguros (IRRD). A federa\u00e7\u00e3o europeia considera que o texto atual da IRRD imp\u00f5e cargas desproporcionadas \u00e0s seguradoras, descurando a natureza espec\u00edfica do setor e o j\u00e1 robusto regime de Solv\u00eancia II. A iniciativa, denominada \u201c<em>stop-the-clock<\/em>\u201d, pretende assegurar que os requisitos definidos sejam proporcionais, coerentes e sustent\u00e1veis do ponto de vista operacional, evitando efeitos negativos sobre a competitividade das seguradoras europeias.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">A principal preocupa\u00e7\u00e3o reside no facto de a IRRD, tal como se encontra proposta, exigir planos de recupera\u00e7\u00e3o e resolu\u00e7\u00e3o demasiado complexos, acompanhados de obriga\u00e7\u00f5es de reporte que ultrapassam as refer\u00eancias internacionais e que implicariam um aumento de custos substancial para as empresas. A Insurance Europe sublinha que o setor segurador n\u00e3o apresenta o mesmo risco sist\u00e9mico que o setor banc\u00e1rio e que, historicamente, n\u00e3o tem sido fonte de instabilidade financeira generalizada. Neste contexto, a organiza\u00e7\u00e3o considera que uma abordagem mais ligeira e ajustada seria suficiente para cumprir os objetivos de prote\u00e7\u00e3o dos segurados e de estabilidade financeira.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">A Insurance Europe alerta, tamb\u00e9m, que a sobreposi\u00e7\u00e3o entre os novos requisitos e os mecanismos j\u00e1 existentes em Solv\u00eancia II pode originar duplica\u00e7\u00e3o de obriga\u00e7\u00f5es, aumento de encargos administrativos e press\u00e3o acrescida sobre equipas t\u00e9cnicas, em especial nas seguradoras de menor dimens\u00e3o. Esta acumula\u00e7\u00e3o de obriga\u00e7\u00f5es contraria a agenda de competitividade defendida pela Uni\u00e3o Europeia e pode expor as empresas europeias a uma desvantagem face a concorrentes internacionais sujeitos a regimes de resolu\u00e7\u00e3o mais simples.<\/p>\n<p style=\"font-weight: 400;\">\n<p style=\"font-weight: 400;\">Com o pedido de \u201c<em>stop-the-clock<\/em>\u201d, a Insurance Europe defende que a Comiss\u00e3o Europeia deve realizar uma avalia\u00e7\u00e3o de impacto aprofundada, permitindo que as institui\u00e7\u00f5es e o setor reflitam sobre as implica\u00e7\u00f5es operacionais e financeiras do regime proposto. Um per\u00edodo de pausa permitiria reformular obriga\u00e7\u00f5es excessivas e restabelecer o princ\u00edpio da proporcionalidade, assegurando que a IRRD cumpra a sua finalidade sem prejudicar o funcionamento eficiente do mercado segurador.<\/p>\n<p style=\"font-weight: 400;\">O sucesso desta iniciativa poder\u00e1 ter resultados importantes. De facto, uma revis\u00e3o ponderada do texto poder\u00e1 originar um regime mais equilibrado, capaz de promover estabilidade e confian\u00e7a sem comprometer a competitividade.<\/p>\n<\/div>\n<div><\/div>\n<p style=\"font-weight: 400;\">\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A iniciativa, denominada \u201cstop-the-clock\u201d, pretende assegurar que os requisitos definidos sejam proporcionais, coerentes e sustent\u00e1veis do ponto de vista operacional, evitando efeitos negativos sobre a competitividade das seguradoras europeias.<\/p>\n","protected":false},"author":2,"featured_media":1581,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-2247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-europa"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2247","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2247"}],"version-history":[{"count":1,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2247\/revisions"}],"predecessor-version":[{"id":2248,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/2247\/revisions\/2248"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/1581"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2247"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}