1 min readBlockingEIOPA taxonomy 2.10.0Updated 11 November 2026

Solvency capital requirement - health underwriting risk: values must agree (S.26.04, EIOPA rule BV631_1)

A blocking check on the solvency capital requirement - health underwriting risk template (S.26.04), in the annual solo (ARS), annual group (ARG) and annual branch (ARB) returns.

It applies to 2.8.2 returns too, the release for the 2026 returns, and Line4 Check runs it there as well.

The rule in plain words

The diversification effects reported in S.26.04 -Solvency Capital Requirement - Health underwriting risk must be equal to the difference between the nSCR for SLT health underwriting risk and the sum of the capital charges for health mortality risk, health longevity risk, health disability-morbidity risk, SLT health lapse risk, health expense risk and health revision risk

The headline gives only the template and the kind of check, because the rule is too long to say in a headline. The plain words above say all of it.

EIOPA writes it out as separate checks, one for each table or return it covers. Line4 Check runs two of them (BV631_1-1 and BV631_1-2), and a failure names the one that failed.

This is a blocking check. A return that fails it is normally rejected, so fix it before you submit. It runs only when your filing indicators mark S.26.04 as reported.

The cells it reads

Solvency capital requirement - health underwriting risk: sLT health underwriting risk (S.26.04.01.01)

Rows

  • R0100Health mortality risk
  • R0200Health longevity risk
  • R0300Health disability-morbidity risk
  • R0400SLT health lapse risk
  • R0500Health expense risk
  • R0600Health revision risk
  • R0700Diversification within SLT health underwriting risk
  • R0800Total SLT health underwriting risk

Columns

  • C0060Net solvency capital requirement
  • C0080Gross solvency capital requirement

Solvency capital requirement - health underwriting risk: sLT health underwriting risk (S.26.04.04.01)

Rows

  • R0100Health mortality risk
  • R0200Health longevity risk
  • R0300Health disability-morbidity risk
  • R0400SLT health lapse risk
  • R0500Health expense risk
  • R0600Health revision risk
  • R0700Diversification within SLT health underwriting risk
  • R0800Total SLT health underwriting risk

Columns

  • C0060Net solvency capital requirement
  • C0080Gross solvency capital requirement

Which returns it applies to

Line4 Check runs it on annual solo (ARS), annual group (ARG) and annual branch (ARB) returns on EIOPA taxonomy 2.10.0. EIOPA applies it to annual branch (ARB), annual solo (ARS), annual ECB solo (AES), annual ECB branch (AEB) and annual group (ARG) returns, as a blocking check.

EIOPA’s own words and formula

The plain words above are EIOPA’s own, word for word, from its list of validations.

Show the formulaShow

EIOPA's formula, for BV631_1-1. Cells are written as {t: table, r: row, c: column}.

{t: S.26.04.01.01, r: R0700, z: Z0001} = {t: S.26.04.01.01, r: R0800, z: Z0001} - {t: S.26.04.01.01, r: R0100, z: Z0001} - {t: S.26.04.01.01, r: R0200, z: Z0001} - {t: S.26.04.01.01, r: R0300, z: Z0001} - {t: S.26.04.01.01, r: R0400, z: Z0001} - {t: S.26.04.01.01, r: R0500, z: Z0001} - {t: S.26.04.01.01, r: R0600, z: Z0001}

BV631_1-2:

{t: S.26.04.04.01, r: R0700, z: Z0001} = {t: S.26.04.04.01, r: R0800, z: Z0001} - {t: S.26.04.04.01, r: R0100, z: Z0001} - {t: S.26.04.04.01, r: R0200, z: Z0001} - {t: S.26.04.04.01, r: R0300, z: Z0001} - {t: S.26.04.04.01, r: R0400, z: Z0001} - {t: S.26.04.04.01, r: R0500, z: Z0001} - {t: S.26.04.04.01, r: R0600, z: Z0001}

Every Solvency II rule on S.26.04

Checks like this one, run at the point of submission, are the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.