Non-Life Hail Risk Grouping Simplification

Calculate the Hail Grouped Sum Insured instantly.

Group	Sum Insured	Highest Risk Weight	Weighted Sum Insured
Hail Group 1	Hail group 1 sum insured€	Hail group 1 risk weight%	€0(0.50%)
Hail Group 2	Hail group 2 sum insured€	Hail group 2 risk weight%	€0(0.00%)
Hail Group 3	Hail group 3 sum insured€	Hail group 3 risk weight%	€0(0.00%)
Hail Group 4	Hail group 4 sum insured€	Hail group 4 risk weight%	€0(0.00%)
Hail Group 5	Hail group 5 sum insured€	Hail group 5 risk weight%	€0(0.00%)
Hail Group 6	Hail group 6 sum insured€	Hail group 6 risk weight%	€0(0.00%)
Hail Group 7	Hail group 7 sum insured€	Hail group 7 risk weight%	€0(0.00%)
Hail Group 8	Hail group 8 sum insured€	Hail group 8 risk weight%	€0(0.00%)
Hail Group 9	Hail group 9 sum insured€	Hail group 9 risk weight%	€0(0.00%)
Hail Group 10	Hail group 10 sum insured€	Hail group 10 risk weight%	€0(0.00%)

Hail Grouped Sum Insured

€6 000

1Step 1

Weight each hail group by the highest risk weight in that group

Weighted_i=SumInsured_i\times RiskWeight_i

2Step 2

Sum weighted groups to produce the grouped sum insured simplification

GroupedSI=\sum_i Weighted_i

Understand the Non-Life Hail Risk Grouping Simplification

Overview

Article 90b permits grouped natural catastrophe exposure data where the highest applicable risk weight is retained for each group.^[1]

Input Terms

Hail Group Sum Insured: The sum insured for each hail exposure group used in the Article 90b natural catastrophe simplification.^[1]^[2]
Hail Group Highest Risk Weight: The highest applicable hail risk weight assigned to the exposure group.^[1]^[2]

Technical Rationale

For hail, the grouped exposure remains Article 124-compliant only when each group retains the highest applicable hail-zone weight.^[2]

Important Notes

Grouping condition: The simplification should not understate hail exposure by combining zones with different risk weights unless the Article 90b highest-risk-weight rule is preserved.^[1]

Sources

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in capital analysis, governance, or reporting decisions.