{
  "id": "clause-original-conditions",
  "type": "clause",
  "languages": {
    "en": {
      "id": "clause-original-conditions",
      "lang": "en",
      "type": "clause",
      "title": "Original Conditions Clause",
      "shortDefinition": "The original conditions clause requires the reinsurer to apply the same terms, rates and scope of cover as under the underlying original policy, unless the reinsurance contract expressly provides otherwise.",
      "synonyms": [
        "As original clause"
      ],
      "linesOfBusiness": [
        "Reinsurance"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Reinsurance",
        "Contract design"
      ],
      "relations": {
        "relatedTerms": [
          "term-treaty-reinsurance",
          "term-facultative-reinsurance",
          "clause-follow-the-fortunes"
        ],
        "partOf": [],
        "appliesTo": [
          "term-treaty-reinsurance",
          "term-facultative-reinsurance"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "reinsurance-market",
        "favours": "insured",
        "negotiability": "standard",
        "standardWordings": []
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/clause/original-conditions-clause/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/klausel/original-conditions-klausel/",
      "body": "## Purpose\n\nParticularly in facultative and proportional reinsurance, the reinsurer is meant to assume economically the same share of the risk that the cedent has underwritten. The original conditions clause (\"as original\") ensures that the scope of cover, exclusions and terms of the reinsurance automatically follow the original policy's terms, without having to repeat them individually in the reinsurance contract each time.\n\n## Effect and limits\n\nIf the cedent amends the original terms during the period, the reinsurance follows that change automatically – unless the reinsurance contract expressly excludes certain extensions of cover. The clause thus creates consistency between primary and reinsurance cover, but carries the risk that the reinsurer \"automatically\" assumes extensions it would not have underwritten individually.\n\n## Negotiation and practice\n\nReinsurers frequently negotiate exception lists (exclusions that are not covered even under the original policy) and notification or consent requirements for material changes to the original terms. The clause is a cornerstone of the principle of good faith in facultative reinsurance."
    },
    "de": {
      "id": "clause-original-conditions",
      "lang": "de",
      "type": "clause",
      "title": "Original-Conditions-Klausel",
      "shortDefinition": "Die Original-Conditions-Klausel verpflichtet den Rückversicherer, dieselben Bedingungen, Prämien und Deckungsumfänge wie in der zugrundeliegenden Originalpolice anzuwenden, sofern der Rückversicherungsvertrag nichts Abweichendes bestimmt.",
      "synonyms": [
        "As-Original-Klausel"
      ],
      "linesOfBusiness": [
        "Rückversicherung"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Rückversicherung",
        "Vertragsgestaltung"
      ],
      "relations": {
        "relatedTerms": [
          "term-treaty-reinsurance",
          "term-facultative-reinsurance",
          "clause-follow-the-fortunes"
        ],
        "partOf": [],
        "appliesTo": [
          "term-treaty-reinsurance",
          "term-facultative-reinsurance"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": {
        "kind": "condition",
        "origin": "reinsurance-market",
        "favours": "insured",
        "negotiability": "standard",
        "standardWordings": []
      },
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/klausel/original-conditions-klausel/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/clause/original-conditions-clause/",
      "body": "## Zweck\n\nInsbesondere in der fakultativen und proportionalen Rückversicherung soll der Rückversicherer wirtschaftlich denselben Anteil des Risikos übernehmen wie der Zedent gezeichnet hat. Die Original-Conditions-Klausel («as original») stellt sicher, dass Deckungsumfang, Ausschlüsse und Bedingungen der Rückversicherung automatisch den Originalbedingungen folgen, ohne dass diese im Rückversicherungsvertrag jedes Mal einzeln wiederholt werden müssen.\n\n## Wirkung und Grenzen\n\nÄndert der Zedent die Originalbedingungen während der Laufzeit, folgt die Rückversicherung dieser Änderung automatisch mit – ausser der Rückversicherungsvertrag schliesst bestimmte Deckungserweiterungen ausdrücklich aus. Die Klausel schafft damit Konsistenz zwischen Erst- und Rückversicherung, birgt aber das Risiko, dass der Rückversicherer Deckungserweiterungen «automatisch» übernimmt, die er einzeln nicht gezeichnet hätte.\n\n## Verhandlung und Praxis\n\nRückversicherer verhandeln häufig Ausnahmelisten (Ausschlüsse, die auch bei Originaldeckung nicht mitversichert sind) sowie Melde- oder Zustimmungspflichten für wesentliche Änderungen der Originalbedingungen. Die Klausel ist ein Grundpfeiler des Vertrauensprinzips in der fakultativen Rückversicherung."
    }
  }
}