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Obligations and the restrictions established in nine markets, reflect
Details of their individual regulating systems. As a whole they reflect attempts
To find reasonable balance between a recognition of the international character of insurance
And preservation of integrity of national regulating system.
The basic reservations for physical persons. The general agreement
Provides "horizontal" obligations for participants, that is,
Unification of obligations and restriction which extend on all
Sectors of services. Concerning the fourth category of services (presence of the physical
Persons) the general approach of all participants of the General agreement consists in that,
That by acceptance on itself of obligations to allow open access on
The market, considering sensitivity of problems of immigration and the right of the governments
To define access conditions on the market of separate physical persons.
The analysis of restrictions and obligations concerns only restrictions,
Which have been made on a case of untied obligations. It means that
Even in the presence of a liberal or not discrimination mode of the power
Save the right to enter certain restrictions. When
Restriction is not mentioned, the liberal mode operates and it is
The connected obligation. It is necessary to consider that according to
The general agreement lists of obligations concern access on the market and
To questions of discrimination of service providers. Participants of the Agreement are not limited
Concerning character of regulation which they apply.
The European Community and the countries-participants
Restrictions of access on the market are not applied at all at EU level.
Access on the market. Some countries limit actions of insurers, not
Entering into Community, except agency activity, sea insurance and
Obligatory insurance of type of autoinsurance and insurance air
Transport. Special permissions are required in Belgium and Spain. In Austria
The foreign insurer should be registered as joint-stock company.
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