Home / Dz.U. 2015 poz. 1844
Law of September 11, 2015 on insurance and reinsurance activity
Ustawa z dnia 11 września 2015 r. o działalności ubezpieczeniowej i reasekuracyjnej
Type
Law (Ustawa)
Status
act has a consolidated text (akt posiada tekst jednolity)
Announced
2015-09-11
Entry into force
2016-01-01
Texts
The consolidated text (tekst ujednolicony) is unofficial; only the signed PDFs from Dziennik Ustaw / Monitor Polski are legally authentic.
Keywords
FundsFinancial EconomyLiquidationsupervisionmutual insurance companiesproperty and personal insurancefinancial statementinsurance activitiesjoint-stock companiesrepair proceedings
Related acts
Repealed Acts (3)
- Law of May 22, 2003, on insurance activity · 2016-01-01
- Announcement of the Marshal of the Sejm of the Republic of Poland of July 9, 2015, on the promulgation of the consolidated text of the law on insurance activity · 2016-01-01
- Act of December 14, 2012, on amending the Act on insurance activity · 2016-01-01
Acts Declared Repealed (20)
- Regulation of the Minister of Finance of 3 December 2014 on annual reports of insurance undertakings concerning transactions carried out within an insurance group · 2016-01-01
- Regulation of the Minister of Finance of 3 December 2014 on annual reports of reinsurance undertakings concerning transactions carried out within an insurance group · 2016-01-01
- Regulation of the Minister of Finance of 3 December 2014 on the detailed method of determining the own funds of domestic reinsurance undertakings belonging to an insurance group · 2016-01-01
- Regulation of the Minister of Finance of 3 December 2014 on the detailed method of determining the own funds of domestic insurance undertakings belonging to an insurance group · 2016-01-01
- Regulation of the Minister of Finance of 5 November 2010 on the scope of information contained in the annual report on the state of the reinsurance portfolio of a reinsurance undertaking · 2016-01-01
- Regulation of the Minister of Finance of November 2, 2010 on the scope of information contained in the annual report on the insurance and reinsurance portfolio of an insurance undertaking · 2016-01-01
- Regulation of the Minister of Finance of December 28, 2009, amending the regulation on the method of calculating the solvency margin of reinsurance companies and the minimum guarantee capital for reinsurance types · 2016-01-01
- Regulation of the Minister of Finance of December 28, 2009, amending the regulation on the method of calculating the solvency margin and the minimum guarantee capital for insurance classes and groups · 2016-01-01
- Regulation of the Minister of Finance of 2 October 2009 amending the regulation on the method of calculating the solvency margin and the minimum guarantee capital for insurance classes and groups · 2016-01-01
- Regulation of the Minister of Finance of October 2, 2009 on the method of calculating the solvency margin of reinsurance companies and the minimum amount of guarantee capital for types of reinsurance · 2016-01-01
- Regulation of the Minister of Finance of August 16, 2007 on data collected in databases created by the Polish Chamber of Insurance · 2016-01-01
- Regulation of the Minister of Finance of 23 April 2004 on general authorization for recognizing assets located outside the territory of the Member States of the European Union as means covering technical insurance reserves · 2016-01-01
- Regulation of the Minister of Finance of December 23, 2003 on the amount of membership fees paid by insurance companies to the Polish Chamber of Insurance · 2016-01-01
- Regulation of the Minister of Finance of November 28, 2003 on the method of calculating the solvency margin and the minimum guarantee capital for insurance classes and groups · 2016-01-01
- Regulation of the Minister of Finance of November 13, 2003, on the detailed principles of determining the currency in which compensation or benefit from an insurance contract is to be paid · 2016-01-01
- Regulation of the Minister of Finance of 22 March 1996 on the determination of cases where it is permissible to conclude insurance contracts with an insurance undertaking not holding a license to conduct insurance activities on the territory of the Republic of Poland · 2016-01-01
- Regulation of the Minister of Finance of November 6, 2003, on the method of calculating the coefficient of the 50% amount of future profits and the coefficient determining the maximum amount of future profits that may be included in own funds · 2016-01-01
- Regulation of the Minister of Labour and Social Policy of December 23, 2002 on the procedure for granting and paying war invalids refunds for paid contributions for motor vehicle insurance. · 2016-01-01
- Regulation of the Minister of Finance of December 11, 2014, on quarterly and additional annual financial and statistical reports of reinsurance companies · 2016-01-01
- Regulation of the Minister of Finance of December 8, 2014, on quarterly and additional annual financial and statistical reports of insurance companies · 2016-01-01
Implementing Regulations (46)
- Regulation of the Minister of Finance of 22 August 2023 on additional financial and statistical reports of insurance companies and reinsurance companies
- Regulation of the Minister of Finance, Funds and Regional Policy of April 12, 2021, amending the regulation on statistical data concerning co-insurance
- Regulation of the Minister of Finance of June 3, 2020, amending the regulation on the actuarial examination
- Regulation of the Minister of Health of April 28, 2020, on information provided to insurance companies by entities performing medical activities and the National Health Fund
- Regulation of the Minister of Finance, Funds and Regional Policy of December 3, 2020, on the membership fee paid to the Polish Chamber of Insurance
- Regulation of the Minister of Finance of July 4, 2019, amending the regulation on the form and method of preparing data and information for supervisory purposes by insurance and reinsurance undertakings
- Regulation of the Minister of Finance of June 18, 2019, amending the regulation on additional financial and statistical reports of insurance companies and reinsurance companies
- Regulation of the Minister of Development and Finance of January 25, 2017, amending the regulation on additional financial and statistical reports of insurance companies and reinsurance companies.
- Regulation of the Minister of Development and Finance of December 4, 2017 on the audit of the solvency and financial condition report of an insurance company and a reinsurance company by an auditing firm
- Regulation of the Minister of Finance of May 25, 2016, on annual and semi-annual reports of capital investment funds
- Regulation of the Minister of Finance of April 29, 2016, on additional financial and statistical reports of insurance companies and reinsurance companies
- Regulation of the Minister of Finance of 18 March 2016 on data collected by the Polish Chamber of Insurance in the scope of insurance statistics.
- Regulation of the Minister of Finance of February 22, 2016, on the form and method of preparing data and information by insurance and reinsurance undertakings for supervisory purposes
- Regulation of the Minister of Development and Finance of December 9, 2016, on the actuarial examination
- Regulation of the Minister of Development and Finance of December 14, 2016, on statistical data concerning co-insurance
- Regulation of the Minister of Development and Finance of 12 December 2016 on the regulations of the Examination Board for Actuaries, the remuneration of its members, and examination fees
- Regulation of the Minister of Development and Finance of December 9, 2016 on the audit of the solvency and financial condition report of an insurance company and a reinsurance company by an entity authorized to audit financial statements
- Regulation of the Minister of Development and Finance of October 13, 2016, on documents attached to notifications of intent to acquire or take over shares or rights from shares of a domestic insurance undertaking or a domestic reinsurance undertaking or of intent to become a dominant entity of such undertaking
- Regulation of the Minister of Health of October 13, 2016, on information provided to insurance companies by entities performing medical activities and the National Health Fund
- Regulation of the Minister of Finance of February 2, 2016, on the minimum scope of data included in the questionnaire concerning the needs of the policyholder or the insured
- Regulation of the Minister of Finance of January 26, 2016, on the membership fee paid to the Polish Insurance Association
- Regulation of the Minister of Finance of December 23, 2015 on the detailed method of calculating the basic capital requirement for solvency according to the standard formula
- Regulation of the Minister of Finance of December 16, 2015, on the information included in the templates of agreements used by an insurance company
- Regulation of the Minister of Development and Finance of October 5, 2016, on documents related to the conclusion and performance of insurance contracts drawn up in electronic form
- Announcement of the Minister of Finance and Economy of 11 February 2026 on the announcement of the register of actuaries
- Announcement of the Minister of Finance of February 6, 2025, concerning the announcement of the register of actuaries
- Announcement of the Minister of Finance and Economy of 19 September 2025 on the announcement of the register of actuaries
- Announcement of the Minister of Finance of August 9, 2024, regarding the announcement of the register of actuaries.
- Announcement of the Minister of Finance of February 20, 2024, on the publication of the register of actuaries
- Announcement of the Minister of Finance of August 11, 2023, on the publication of the register of actuaries
- … +16
Amending Acts (43)
- Law of March 31, 2016, on amending the law on investment funds and certain other laws · 2016-06-04
- Law of November 16, 2016, - Provisions introducing the Law on the National Revenue Administration · 2017-03-01
- Law of 23 March 2017 amending the Penal Code and certain other laws · 2017-04-27
- Law of 11 May 2017 on statutory auditors, auditing firms and public oversight · 2017-06-21
- Law of 15 September 2017 amending the Law on Road Traffic and certain other laws · 2017-11-13
- Law of September 29, 2017, on amending the law on supervision over the financial market and the law on insurance and reinsurance activities · 2018-01-01
- Law of December 14, 2017, on the amendment of the law on insurance and reinsurance activity and certain other laws · 2018-01-11
- Law of 9 November 2017 on amending the law on certain rights of employees of the office serving the minister competent for internal affairs and officers and employees of offices supervised by this minister and certain other laws · 2018-01-27
- Law of 1 March 2018 amending the Law on Trading in Financial Instruments and certain other laws · 2018-04-21
- Law of 6 March 2018 - Provisions introducing the Law - Entrepreneurs' Law and other laws concerning economic activity · 2018-04-30
- Law of May 10, 2018 on the protection of personal data · 2018-05-25
- Law of 1 March 2018 on counteracting money laundering and the financing of terrorism · 2018-07-13
- Law of July 3, 2018 - Provisions introducing the Law on Higher Education and Science · 2018-10-01
- Law of December 15, 2017 on insurance distribution · 2018-10-01
- Law of November 9, 2018, on amending certain laws in connection with strengthening supervision over the financial market and protecting investors on this market · 2019-01-01
- Law of 22 March 2018 on court bailiffs · 2019-01-01
- Law of October 4, 2018, on Employee Capital Plans · 2019-01-01
- Law of 21 February 2019 amending certain laws in connection with ensuring the application of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) · 2019-05-04
- Law of October 16, 2019 on amending the law on public offering and the conditions for introducing financial instruments into an organized trading system and on public companies and certain other laws · 2019-11-30
- Law of May 28, 2020, on amending the law on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau, and the law on insurance and reinsurance activities · 2020-07-17
- Law of February 25, 2021, amending the Banking Law and certain other laws · 2021-04-28
- Law of 21 January 2021 on amending the law on trading in financial instruments and certain other laws · 2021-06-30
- Law of November 18, 2020, on electronic delivery · 2021-10-05
- Law of October 1, 2021, amending the Law on trading in financial instruments and certain other laws · 2021-12-10
- Law of March 11, 2022, on Homeland Defence · 2022-04-23
- Law of December 2, 2021, amending the Law on Road Traffic and certain other laws · 2022-06-17
- Law of July 7, 2022, on crowdfunding for economic ventures and assistance to borrowers · 2022-07-29
- Law of July 22, 2022, on amending the law on the Prison Service and certain other laws · 2022-12-14
- Act of December 1, 2022, on amending the Act on the handling of complaints by financial market entities and on the Financial Ombudsman, and on certain other acts · 2023-01-01
- Law of March 9, 2023, on amending the law - Code of Civil Procedure and certain other laws · 2023-07-01
- … +13
Amended Acts (39)
- Law of 12 June 2015 on amending the Law on capital market supervision and certain other laws · 2015-11-11
- Law of 28 February 2003 Bankruptcy Law · 2016-01-01
- Law of May 15, 2015 - Restructuring Law · 2016-01-01
- Law of 5 August 2015 on the handling of complaints by financial market entities, on the Financial Ombudsman and on the Financial Education Fund · 2016-01-01
- Law of 23 October 2014 on reverse mortgage · 2016-01-01
- Law of April 15, 2011, on healthcare activities · 2016-01-01
- Law of 12 February 2010 on the recapitalisation of certain institutions and on government financial stabilisation instruments · 2016-01-01
- Law of 7 May 2009 on Statutory Auditors and their Self-Government, Entities Authorised to Audit Financial Statements, and Public Oversight · 2016-01-01
- Law of 12 February 2009 on the granting of support by the State Treasury to financial institutions · 2016-01-01
- Law of 6 December 2008 on excise duty · 2016-01-01
- Law of November 16, 2006, on stamp duty · 2016-01-01
- Law of July 21, 2006, on financial market supervision. · 2016-01-01
- Law of April 15, 2005, on supplementary supervision of credit institutions, insurance companies, reinsurance companies, and investment firms belonging to a financial conglomerate · 2016-01-01
- Law of 29 July 2005 on Public Offering and the Conditions for Introducing Financial Instruments into an Organized Trading System and on Public Companies · 2016-01-01
- Law of 29 July 2005 on Trading in Financial Instruments · 2016-01-01
- Law of 28 July 2005 on spa treatment, health resorts and spa protection areas, and on spa municipalities · 2016-01-01
- Law of 7 July 2005 on crop and livestock insurance · 2016-01-01
- Law of April 2, 2004, on certain financial security instruments · 2016-01-01
- Law of March 19, 2004, Customs Law · 2016-01-01
- Law of 27 August 2004 on healthcare benefits financed from public funds · 2016-01-01
- Law of July 2, 2004 on freedom of economic activity · 2016-01-01
- Law of 27 May 2004 on investment funds and the management of alternative investment funds · 2016-01-01
- Law of April 20, 2004, on employee pension programs · 2016-01-01
- Law of April 20, 2004, on individual retirement accounts and individual pension security accounts · 2016-01-01
- Law of May 22, 2003, on insurance intermediation · 2016-01-01
- Law of May 22, 2003, on compulsory insurance, the Insurance Guarantee Fund, and the Polish Motor Insurers' Bureau · 2016-01-01
- Law of October 28, 2002, on the liability of collective entities for offenses punishable by law. · 2016-01-01
- Law of 18 July 2002 on the provision of services by electronic means. · 2016-01-01
- Law of 23 September 1999 on the principles of stay of foreign troops on the territory of the Republic of Poland, the principles of their movement through this territory and the principles of providing assistance to allied troops and international organizations. · 2016-01-01
- Law of August 28, 1997, on the organization and functioning of pension funds. · 2016-01-01
- … +9
Information on Consolidated Text (9)
- Announcement of the Marshal of the Sejm of the Republic of Poland of October 20, 2025, on the promulgation of the consolidated text of the Law on Insurance and Reinsurance Activity
- Announcement of the Marshal of the Sejm of the Republic of Poland of April 10, 2024, on the announcement of the consolidated text of the law on insurance and reinsurance activity
- Announcement of the Marshal of the Sejm of the Republic of Poland of January 27, 2023, on the promulgation of the consolidated text of the Law on Insurance and Reinsurance Activities
- Announcement of the Marshal of the Sejm of the Republic of Poland of October 7, 2022, on the promulgation of the consolidated text of the law on insurance and reinsurance activities
- Announcement of the Marshal of the Sejm of the Republic of Poland of June 15, 2021, on the announcement of the consolidated text of the law on insurance and reinsurance activities
- Announcement of the Marshal of the Sejm of the Republic of Poland of April 6, 2020, on the announcement of the consolidated text of the law on insurance and reinsurance activities
- Announcement of the Marshal of the Sejm of the Republic of Poland of 17 January 2019 on the announcement of the consolidated text of the law on insurance and reinsurance activity
- Announcement of the Marshal of the Sejm of the Republic of Poland of May 9, 2018, on the announcement of the consolidated text of the law on insurance and reinsurance activities
- Announcement of the Marshal of the Sejm of the Republic of Poland of May 26, 2017 on the promulgation of the consolidated text of the law on insurance and reinsurance activities
References (12)
- Law of May 30, 2014, on Consumer Rights
- Law of 11 October 2013 on mutual assistance in the recovery of taxes, customs duties and other monetary claims
- Law of 23 November 2012 Postal Law
- Law of July 27, 2005 Higher Education Law
- Law of May 24, 2002, on the Internal Security Agency and the Intelligence Agency.
- Law of November 16, 2000, on Counteracting Money Laundering and Financing of Terrorism
- Law of 15 September 2000 Commercial Companies Code.
- Law of August 29, 1997 - Banking Law.
- Law of August 29, 1997, on the protection of personal data.
- Law of 6 April 1990 on the Police.
- Law of 17 November 1964 - Code of Civil Procedure.
- Law of June 14, 1960, Code of Administrative Procedure.
Acts referring to this act
- Repealing Acts: Law of May 22, 2003, on insurance activity
- Repealing Acts: Act of December 14, 2012, on amending the Act on insurance activity
- Repealing Acts: Announcement of the Marshal of the Sejm of the Republic of Poland of July 9, 2015, on the promulgation of the consolidated text of the law on insurance activity
- Amending Acts: Law of April 20, 2004, on employee pension programs
- Amending Acts: Law of April 20, 2004, on individual retirement accounts and individual pension security accounts
- Amending Acts: Law of 23 April 1964 - Civil Code.
- Amending Acts: Law of April 2, 2004, on certain financial security instruments
- Amending Acts: Law of March 19, 2004, Customs Law
- Amending Acts: Law of May 29, 1974, on the provision for war and military invalids and their families.
- Amending Acts: Law of July 26, 1991 on Personal Income Tax.
- Amending Acts: Law of 15 February 1992 on corporate income tax.
- Amending Acts: Law of 7 July 1994 on guaranteed state insurance.
- Amending Acts: Law of May 22, 2003, on insurance intermediation
- Amending Acts: Law of May 22, 2003, on compulsory insurance, the Insurance Guarantee Fund, and the Polish Motor Insurers' Bureau
- Amending Acts: Law of 28 February 2003 Bankruptcy Law
- Amending Acts: Law of 29 September 1994 on accounting.
- Amending Acts: Law of October 28, 2002, on the liability of collective entities for offenses punishable by law.
- Amending Acts: Law of 18 July 2002 on the provision of services by electronic means.
- Amending Acts: Law of 23 September 1999 on the principles of stay of foreign troops on the territory of the Republic of Poland, the principles of their movement through this territory and the principles of providing assistance to allied troops and international organizations.
- Amending Acts: Law of August 28, 1997, on the organization and functioning of pension funds.
- Amending Acts: Law of 20 June 1997 - Road Traffic Law
- Amending Acts: Law of December 14, 1994, on the Bank Guarantee Fund.
- Amending Acts: Law of 1 December 1995 on payments from profits by sole-shareholder State Treasury companies.
- Amending Acts: Law of 7 July 2005 on crop and livestock insurance
- Amending Acts: Law of April 15, 2005, on supplementary supervision of credit institutions, insurance companies, reinsurance companies, and investment firms belonging to a financial conglomerate
- Amending Acts: Law of 27 August 2004 on healthcare benefits financed from public funds
- Amending Acts: Law of 5 August 2015 on the handling of complaints by financial market entities, on the Financial Ombudsman and on the Financial Education Fund
- Amending Acts: Law of May 15, 2015 - Restructuring Law
- Amending Acts: Law of 23 October 2014 on reverse mortgage
- Amending Acts: Law of April 15, 2011, on healthcare activities
- Amending Acts: Law of 12 February 2010 on the recapitalisation of certain institutions and on government financial stabilisation instruments
- Amending Acts: Law of 7 May 2009 on Statutory Auditors and their Self-Government, Entities Authorised to Audit Financial Statements, and Public Oversight
- Amending Acts: Law of 12 February 2009 on the granting of support by the State Treasury to financial institutions
- Amending Acts: Law of 6 December 2008 on excise duty
- Amending Acts: Law of November 16, 2006, on stamp duty
- Amending Acts: Law of July 21, 2006, on financial market supervision.
- Amending Acts: Law of 29 July 2005 on Public Offering and the Conditions for Introducing Financial Instruments into an Organized Trading System and on Public Companies
- Amending Acts: Law of 29 July 2005 on Trading in Financial Instruments
- Amending Acts: Law of 28 July 2005 on spa treatment, health resorts and spa protection areas, and on spa municipalities
- Amending Acts: Law of July 2, 2004 on freedom of economic activity
- Amending Acts: Law of 27 May 2004 on investment funds and the management of alternative investment funds
- Amending Acts: Law of 12 June 2015 on amending the Law on capital market supervision and certain other laws
- Amended Acts: Law of 17 April 2026 on amending certain laws in connection with the transmission of information to the European Single Access Point
- Amended Acts: Law of January 23, 2026, amending the Commercial Companies Code and certain other laws
- Amended Acts: Law of 29 May 2026 amending the Tax Ordinance and certain other laws
- Amended Acts: Law of August 5, 2025, on the repeal of the Law on the Central Pension Information
- Amended Acts: Law of June 25, 2025, amending certain laws in connection with ensuring the operational digital resilience of the financial sector and the issuance of European green bonds
- Amended Acts: Law of 9 May 2025 amending the Law on the Prison Service and certain other laws
- Amended Acts: Law of December 20, 2024, on entities servicing loans and loan purchasers
- Amended Acts: Law of 6 December 2024 amending the Accounting Law, the Law on Statutory Auditors, Auditing Firms and Public Supervision, and certain other laws