{
  "id": "term-bedingungsdifferenzdeckung",
  "type": "term",
  "languages": {
    "en": {
      "id": "term-bedingungsdifferenzdeckung",
      "lang": "en",
      "type": "term",
      "title": "Difference in Conditions / Difference in Limits (DIC/DIL)",
      "shortDefinition": "Difference in Conditions/Difference in Limits cover closes gaps between a global insurance program and divergent, less comprehensive local policies.",
      "synonyms": [
        "Bedingungsdifferenzdeckung",
        "DIC/DIL"
      ],
      "linesOfBusiness": [
        "Property",
        "Liability"
      ],
      "jurisdictions": [],
      "tags": [
        "International Insurance Programs"
      ],
      "relations": {
        "relatedTerms": [
          "term-belegenheitsprinzip"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-08-31T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/term/difference-in-conditions-dic-dil/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/begriff/bedingungsdifferenzdeckung/",
      "body": "## Concept\n\nDifference in Conditions/Difference in Limits (DIC/DIL) cover is a supplementary coverage within an international insurance program that closes coverage gaps between a global master policy and the often less comprehensive local policies taken out to meet local market requirements.\n\n## Mechanism\n\nIf a local policy provides a narrower scope of coverage (difference in conditions) or a lower sum insured (difference in limits) than the global master policy, the DIC/DIL cover steps in and ensures that the policyholder overall receives the scope of coverage promised under the master program.\n\n## Relevance for Multinational Insurance Programs\n\nDIC/DIL cover is a key design element of multinational insurance programs, since the location of risk principle forces the placement of local policies in many countries whose terms may, for regulatory or market reasons, diverge from the terms of the global master policy."
    },
    "de": {
      "id": "term-bedingungsdifferenzdeckung",
      "lang": "de",
      "type": "term",
      "title": "Bedingungsdifferenzdeckung (DIC/DIL)",
      "shortDefinition": "Die Bedingungsdifferenzdeckung schliesst Lücken zwischen einem globalen Versicherungsprogramm und abweichenden, weniger umfassenden lokalen Polizzen.",
      "synonyms": [
        "Difference in Conditions (DIC)",
        "Difference in Limits (DIL)"
      ],
      "linesOfBusiness": [
        "Sach",
        "Haftpflicht"
      ],
      "jurisdictions": [],
      "tags": [
        "Internationales Versicherungsprogramm"
      ],
      "relations": {
        "relatedTerms": [
          "term-belegenheitsprinzip"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-08-31T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/begriff/bedingungsdifferenzdeckung/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/term/difference-in-conditions-dic-dil/",
      "body": "## Begriff\n\nDie Bedingungsdifferenzdeckung (Difference in Conditions/Difference in Limits, DIC/DIL) ist eine ergänzende Deckung innerhalb eines internationalen Versicherungsprogramms, die Deckungslücken zwischen einer globalen Masterpolice und den aufgrund lokaler Marktanforderungen abgeschlossenen, oft weniger umfassenden lokalen Polizzen schliesst.\n\n## Funktionsweise\n\nBietet eine lokale Polizze einen geringeren Deckungsumfang (Difference in Conditions) oder eine niedrigere Versicherungssumme (Difference in Limits) als die globale Masterpolice, springt die Bedingungsdifferenzdeckung ein und stellt sicher, dass der Versicherungsnehmer insgesamt den im Masterprogramm zugesagten Deckungsumfang erhält.\n\n## Bedeutung für multinationale Versicherungsprogramme\n\nDie Bedingungsdifferenzdeckung ist ein zentrales Gestaltungselement multinationaler Versicherungsprogramme, da das Belegenheitsprinzip in vielen Ländern den Abschluss lokaler Polizzen erzwingt, deren Bedingungen aus regulatorischen oder marktbedingten Gründen von den Bedingungen der globalen Masterpolice abweichen können."
    }
  }
}