Obowiązek odnośnie do zapewnienia przez krajowy zakład ubezpieczeń adekwatności składki – aspekty prawne
Obligation to ensure insurance premium adequacy – legal aspects

Summary/Abstract: This article is devoted to an issue that has a great impact on the functioning of the insurance market, which is the obligation to ensure the adequacy of the insurance premium. The short analysis of the ad- ministrative penalties imposed by the Polish Financial Supervision Authority on insurance undertak- ings in the last few years leads to the conclusion that the abovementioned is an issue which raisesvery serious doubts in the practice of the Polish insurance market. The subject of the analysis will be, in particular, whether the adequacy of the premium should be assessed at the level – as it results from the literal wording of the Polish law – of the insurance undertaking as an organized entity, or – as the Polish Financial Supervision Authority seems to accept it – at the level of a given insurance group or, finally, at the level of a single insurance contract.

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