The National Bank of Moldova (NBM) has identified the most important areas for 2026–2027 that will be under close scrutiny, both through continuous monitoring and on-site inspections, to ensure that supervisory resources are focused on areas that potentially have a significant impact on achieving the goals set out in the law, bizlaw.md writes.

Therefore, when supervising the insurance sector, and in particular insurance companies, increased attention will be paid to the following areas:

- Management system – during 2026–2027, the NBM will continue to assess whether insurers have a robust and sustainable management system, as well as their own internal control system, capable of ensuring effective company management, fair and prudent operations, compliance with legal provisions, and protection of the interests of contractors, re/insured persons, policyholders, and victims.

- Underwriting risk – the regulator will continue to focus its supervisory efforts on managing the underwriting risk of insurance companies to ensure compliance with applicable regulations and the risk profile of insurance companies. According to the NBM, an analysis of the preliminary financial results of the insurance sector showed a slight positive trend for the first nine months of 2025.

During this period, insurance companies concluded insurance contracts worth MDL 2,443.9 million, representing a 0.9% increase y-o-y, despite a 7% decrease in compulsory insurance. As in previous years, the Moldovan insurance market was largely focused on accident insurance, which accounted for 97% of the total value of insurance contracts concluded by insurance companies.

- Solvency and adequacy of assets to cover technical reserves and minimum capital requirements - as part of the supervisory process, the NBM will continue to monitor whether insurance companies have sufficient assets to cover technical reserves and minimum capital requirements to meet future obligations arising from concluded insurance contracts, as well as potential losses associated with risks related to insurance activities.

- Identification and effective management of risks related to information and communication technologies – in 2026, the NBM will continue to prioritize how insurers manage risks related to information and communication technologies, given the increasingly important role of digital processes in the functioning of the insurance market.