The Federal Ministry of Finance is authorised, by statutory instrument, to determine, for health insurance conducted in the manner of life insurance, 1. the actuarial methods for calculating the premiums, including premium changes, and the technical provisions within the meaning of sections 341e to 341h of the Commercial Code, namely the ageing provision, in particular to take into account the relevant assumptions on the risk of disability and sickness, the need for long-term care, mortality, the age and gender dependency of the risk, and the probability of lapse, as well as the level of the security loading and the interest rate, and the principles for determining and limiting the other loadings; 2. further provisions on the equivalence of insurance cover and on the crediting of acquired rights and the ageing provision on a change of tariff under section 146(1), point 4; 3. further provisions on calculating the transfer value under section 146(1), point 5, and section 148, second sentence; 4. further provisions on switching to the standard tariff under section 152(2) and on a subsequent switch out of the standard tariff; 5. how the excess interest under section 150(1) is to be determined, how the amounts are to be distributed to the entitled insured under section 150(2) and (4), and how the premium of the original age of entry is determined; 6. in order to safeguard the interests of the insured, provisions on the minimum allocation to the provision for profit-related premium refunds under section 151(2), in particular on the level and calculation of the allocation rate; the allocation rate, determined separately for health insurance within the meaning of section 146(1), first sentence, for private compulsory long-term care insurance within the meaning of section 148, and for subsidised long-term care provision within the meaning of section 148, must be fixed as a percentage of the sum of the annual net income and the expenses for the profit-related premium refund; in doing so, a direct credit and an average solvency need of the health insurance undertakings must be taken into account; 7. the procedure for comparing the required insurance benefits and the most recently published mortality probabilities with the calculated insurance benefits under section 155(3), and the deadline for submitting the comparison to the supervisory authority and the trustee. The authorisation may be transferred to the Federal Institute by statutory instrument. Statutory instruments under the first and second sentences do not require the consent of the Bundesrat; with the exception of the first sentence, point 6, they must be issued in agreement with the Federal Ministry of Justice and Consumer Protection.