Forum on the implementation of Article 5 of Directive 2004/113/EC

Directive 2004/113 lays down a framework for combating discrimination based on sex in the access to and supply of goods and services. Broadly speaking, the groups protected by the principle of non-discrimination on grounds of sex in this Directive are men, women, pregnant women, women in their maternity and transsexual people. Article 5 of the Directive, however, provides a limited exception in respect of the use of sex as a factor in the calculation of premiums and benefits in insurance and related financial services.

The European Commission facilitates an on-going Forum on the implementation of Article 5 of Directive  2004/113/EC regulating access to and supply of insurance and related financial goods and service. The forum brings together all relevant stakeholders including umbrella NGOs, insurance and financial business, representatives of national governments, Equinet and national equality bodies.

Relevant documents

Overview of Article 5 Questionnaire Results (DG Employment, Social Affairs and Equal Opportunities Unit G2, Equality, Action against discrimination: Legal Questions) (PowerPoint, 316KB)

Study on the use of age, disability, sex, religion or belief, race or ethnic origin and sexual orientation in financial services, in particular in the insurance and banking sectors (Civic Consulting) (PDF, 49KB) 

Survey on implementation of Directive 2004/113/EEC (Groupe Consultatif Actuariel Européen) (PowerPoint, 244KB)

Impact of Art. 5 of Directive 2004/113/EC on gender equality in insurance products (AGE - European Older People's Platform) (PowerPoint, 939KB)

Presentation from the European Women's Lobby (PowerPoint, 452KB)

Presentation from the Association of British Insurers Presentation for the CEA (PowerPoint, 389KB)

How has Sweden solved the publication requirement in the Artical 5 (2)?  (The Swedish Consumers Insurance Bureau)(PowerPoint, 1,013KB)

Implementation of data publication requirements in the United Kingdom (HM Treasury) (PowerPoint, 732KB)