Glosa do wyroku Trybunału Sprawiedliwości Unii Europejskiej z dnia 24 lutego 2022 r. w sprawach połączonych C-143/20 i C-213/20 w sprawach obowiązków informacyjnych zakładów ubezpieczeń w ubezpieczeniach na życie z ubezpieczeniowym funduszem kapitało
A Gloss to the Judgement of Court of Justice of the European Union of 24 February 2022 in Joined Cases C-143/20 and C-213/20 on the Information Disclosure of Life Insurance Undertakings in Unit-linked Insurance Contracts

Summary/Abstract: The subject of this gloss is the judgment of the Court of Justice of the European Union (CJEU)of 24 February 2022 in Joined Cases C-143/20 and C-213/20 on the Information Obligations ofInsurance Undertakings in Unit-Linked Life Insurance. In this approving gloss, the author fi rstlyaccepts the thesis that the information obtained by the entrepreneur who is the policyholder ina group life insurance contract should, in principle, be provided to the insured at the decision-mak-ing stage, i.e. when the insured decides to join the group life insurance contract. Secondly, theinformation standard contained in the Capital Directives, in particular in the MIFID II, does nothave to be implemented in respect of policyholders or insured persons, which is at least due tothe clear position of the EU legislator. It is suffi cient is to maintain the standard directly derivedfrom the insurance directives.

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