Finaccord

 

Experts in European Financial Services

Join the
Global Affinity
Finance Club


Accident and Health Insurance in Europe

Table of Contents 

Executive Summary

Introduction

European Overview

Belgium

France

Germany

Ireland

Italy

Netherlands

Poland

Spain

Switzerland

UK

List of Graphics / Tables

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

What is this series of reports about?

The research provides data about the market for accident and health cover in both a standardised format…

… and in country-specific formats…

… with affinity and corporate partner distribution schemes also investigated in detail

Rationale

Across the ten countries in scope, premiums amounted to almost EUR 169.5 billion in 2016…

… breaking down into a number of clearly defined segments in each country

Methodology

External data sources

Primary research program

Market data analysis

Definitions

Accident insurance

Dental insurance

Health / hospital cash plans

Medical expenses insurance

Premiums

PartnerBASE

Finaccord

2.0 EUROPEAN OVERVIEW

Introduction

Market size, growth and segmentation

Regional overview

Steady growth has seen the combined market climb to a value of almost EUR 170 billion in 2016

Accident insurance

Germany is Europe’s largest market for accident insurance although growth there is minimal…

… with more progress having been made in France, Poland and the UK

As a weighted average across ten nations, just over 50% of accident cover is sold on an individual basis…

… with personal (non-sport) cover the dominant segment…

… ahead of occupational and sport-related accident insurance

Health insurance

Compulsory purchase of health insurance drives the vast market value of three countries

Health insurance premiums have been growing most rapidly in Poland

The split between cover bought on an individual basis and through group schemes varies by country

Taken together, premiums for dental and health / hospital cash cover are worth almost EUR 10 billion…

… although medical expenses insurance is by far the largest segment overall…

… and is ranked first by value of premiums in all countries other than Belgium

Distribution

Affinity and corporate partnerships

2,245 affinity and corporate partner organisations have been included in Finaccord’s research…

… and over 40% of them offer at least one type of accident or health cover

Over 30 insurance brands offer at least one form of ‘white-labelled’ accident or health cover

Well over 50% of sports associations act as affinity partners for these types of insurance

Retailer affinity programs are much rarer but several important brands are active in this sphere

Forecasts

Overview

Steady growth in total premiums is predicted up to 2020…

… with accident and health cover likely to expand at similar rates

3.0 BELGIUM

Introduction

Market size, growth and segmentation

Overview

Health insurance premiums have outgrown those for accident insurance in recent years

Most accident and health cover sold in Belgium takes the form of group business

Mutual insurers underwrite a significant proportion of the Belgian health insurance market…

… due to mandatory payments to them by individuals residing and working in Belgium

Accident insurance

Occupational accident insurance is the largest category within the market for accident insurance…

… while premiums for group personal (non-sport) accident cover have been rising most rapidly

Health insurance

Premiums for individual medical expenses insurance grew most rapidly between 2012 and 2016…

… while those in the smaller market for dental insurance have made the least progress

Distribution

Overview

Accident and health cover is mostly distributed directly by both commercial and mutual insurers

Affinity and corporate partnerships

Accident insurance is marketed through partnerships more often than the various types of health cover…

… which is partly a consequence of the substantial number of schemes set up with sports organisations

Most programs not dealt with internally are placed with a single, external underwriter

Sports insurance specialist Arena and DKV hold the highest share of partnerships…

… followed by AG Insurance and Ethias

Key competitors

A number of brokers are likely to be strong as intermediaries of accident and health insurance

Forecasts

Overview

Further steady growth is predicted for the Belgian accident and health insurance market up to 2020

4.0 FRANCE

Introduction

Market size, growth and segmentation

Overview

The total market value increased by almost EUR 5 billion in premiums between 2012 and 2016…

… with individual business outpacing group business by a narrow margin

Three types of institution compete in the French health insurance market…

… among which mutual insurers account for the highest share of premiums

Accident insurance

Personal (non-sport) accident insurance is the largest category of France’s market for accident insurance…

… and occupational (non-sport) accident insurance the second-largest

Health insurance

The health insurance market in France consists almost entirely of medical expenses cover…

… with just a handful of low-cost health or hospital cash plans in evidence

New regulations concerning health insurance provision in the workplace have come into effect

Distribution

Overview

Multiple distribution channels are used to promote accident and health insurance in France…

… including a number of online comparison sites

Affinity and corporate partnerships

Accident insurance is marketed through partnerships more often than the various types of health cover

Most banks and specialised lenders are active as distributors of accident or health insurance

Captive underwriters are comparatively prominent as partners of distributor organisations…

… although, overall, partnerships are spread across a very wide range of different providers

Generali introduced Vitality’s wellness-based health insurance concept to France at the start of 2017

Key competitors

The health insurance is a great deal more fragmented than the market for accident insurance…

… with AXA, Groupama, Groupe Istya and Union Harmonie Mutuelles among the market leaders

Forecasts

Overview

Premiums for accident insurance will rise at more than double the rate of those for health insurance…

… with those for group personal accident insurance likely to advance most rapidly

5.0 GERMANY

Introduction

Market size, growth and segmentation

Overview

The combined market for accident and health insurance has delivered little growth in recent years…

… and is composed primarily of individual business

Germany’s health insurance market breaks down into numerous segments…

… among which supplementary long-term care insurance has expanded most rapidly

Accident insurance

Most accident cover takes the form of personal (non-sport) accident insurance sold on an individual basis…

… with occupational and sport-related cover representing relatively small segments of the market

Health insurance

The vast majority of the value of German market is composed of medical expenses insurance…

… although the country’s market for dental cover is Europe’s largest

A significant proportion of daily health cash cover is due to income protection policies

Distribution

Overview

Affinity and corporate partnerships

Over a half of partner organisations researched offer at least one type of accident or health cover…

… with accident insurance available most commonly

A number of statutory health insurance funds work with external partners for supplementary cover

DKV underwrites the medical expenses and dental cover distributed by both HDI and Zurich

UKV holds the most product partnerships for accident and health insurance…

… followed by HanseMerkur, Allianz and DKV

Partnerships also exist for providers of health assistance services

Key competitors

The top ten underwriters account for over 70% of the value of the German health insurance market

Intermediaries include insurance brokers, comparison sites and specialised online distributors

Forecasts

Overview

The value of the total market will continue to edge up in nominal terms between 2016 and 2020…

… with travel-related accident and health cover expanding most rapidly

6.0 IRELAND

Introduction

Market size, growth and segmentation

Overview

The Irish health insurance market has been expanding at a nominal compound annual rate of over 5%

… with individual business outpacing group business

Accident insurance

Personal accident cover sold on an individual basis constitutes the largest market segment

Sport-related accident insurance accounts for over 10% of the total market for accident insurance

Health insurance

The Irish medical expenses insurance market is dominated by three main competitors

The market for dental cover is small but fast-growing

Distribution

Overview

Affinity and corporate partnerships

Accident cover is on offer most commonly from affinity and corporate partners…

… including over a half of sports associations researched

Schemes run by external brokers account around one third of the total…

… with O’Driscoll O’Neil prominent in this context

Key competitors

Chubb is likely to be the leader by premiums written in the accident insurance market

Vhi Healthcare still controls around a half of the health insurance market

Forecasts

Overview

The Irish market for accident and health insurance combined will continue to expand quite swiftly…

… with health insurance continuing to outgrow accident insurance

7.0 ITALY

Introduction

Market size, growth and segmentation

Overview

The Italian market for accident and health insurance has struggled to grow in recent years…

… with both individual and group business having declined in real (inflation-adjusted) terms

Accident insurance

Group personal (non-sport) accident insurance is the largest category in the Italian market…

… and group occupational (non-sport) accident cover the second-largest

Health insurance

Health / hospital cash cover accounts for a significant proportion of the total health insurance sector…

… but stand-alone dental cover is believed to be a niche market, in relative terms

Distribution

Overview

Agents dominate the distribution landscape for both accident and health insurance…

… although the share of brokers may be higher than indicated by official data sources

Affinity and corporate partnerships

Accident insurance is marketed through partnerships more often than the various types of health cover

Over 50% of actual and potential distributors researched offer at least one policy type…

… including a clear majority of the ‘casse di previdenza’ investigated

Most affinity programs for accident or health cover are dealt with by a single, external underwriter

Health insurance specialist UniSalute holds the highest share of partnerships…

… followed by sister company UnipolSai, and then by MetLife, Generali and Allianz

Europ Assistance has established an innovative partnership with Enel Energia

Key competitors

The market for health insurance is more concentrated among underwriters than that for accident insurance

Forecasts

Overview

Weak growth in nominal terms is forecast for accident and health premiums up to 2020

8.0 NETHERLANDS

Introduction

Market size, growth and segmentation

Overview

The market for health insurance is more than 30 times the value of that for accident insurance…

… with cover sold on a group basis having outgrown that sold individually in recent years

Almost 90% of the Dutch health insurance is due to basic, universal cover (‘basisverzekering’)

Accident insurance

Occupational group accident insurance is the largest category of the Dutch market for accident insurance…

… and personal (non-sport) group accident insurance the second-largest

Health insurance

Rising healthcare costs pushed up medical expenses insurance premiums between 2012 and 2016…

… and the relatively large market for stand-alone dental cover has also continued to expand

Distribution

Overview

Direct sales by insurers and brokers constitute the principal distribution channels…

… albeit there are also numerous online comparison sites in this market

Affinity and corporate partnerships

Accident insurance is marketed through partnerships more often than the various types of health cover…

… which is partly a consequence of the intermediation of sport-related cover by sports organisations

Most programs not dealt with internally are placed with a single, external underwriter

Through its various brands, Achmea is a leading provider in a relatively fragmented market…

Key competitors

… although CZ claims the highest market share for health insurance as an individual legal entity…

… and is ranked second for supplementary health cover, just ahead of VGZ and Menzis

Forecasts

Overview

Premiums for accident insurance are expected to outgrow those for health insurance up to 2020…

… with the segment of individual sport-related accident cover forecast to expand most rapidly

9.0 POLAND

Introduction

Market size, growth and segmentation

Overview

Premiums for health insurance have been outgrowing those for accident insurance…

… but individual and group business have been advancing at similar rates

Accident and health cover in Poland is most frequently underwritten by life insurers

Accident insurance

Occupational cover is the largest category in Poland’s market for accident insurance…

… and personal (non-sport) accident insurance the second-largest

Health insurance

Group medical expenses insurance is the largest category within the Polish health insurance market…

… the size of which is limited by the parallel market for prepaid medical subscriptions

Distribution

Overview

A majority of accident and health business is likely to be distributed by insurance agents and brokers

Affinity and corporate partnerships

Close to a quarter of distributors investigated have a scheme for one type of accident or health cover…

… and these include close to a half of banking institutions researched

Schemes dealt with by external partners are usually established directly with the ultimate underwriter(s)

AXA holds the most product partnerships for accident and health insurance…

… followed by InterRisk and PZU

Key competitors

The leading intermediaries of accident and health cover are likely to be Aon, EKU and Gras Savoye…

… and also include mfind and ZDROWIE Direct in the market for policies bought by individuals

Forecasts

Overview

The market for group health insurance is likely to expand most rapidly up to 2020…

… with group medical expenses insurance the main driver in this context

10.0 SPAIN

Introduction

Market size, growth and segmentation

Overview

Health cover makes up close to 90% of the total market value for accident and health insurance

Individual business has been outgrowing group business by a fairly wide margin

The bulk of the market is composed of ‘asistencia sanitaria’ policies

Accident insurance

Individual personal accident insurance is the largest category in Spain’s market for accident insurance

Health insurance

Individual and group medical expenses insurance dominate the market for health insurance

The Spanish market for stand-alone hospitalisation insurance is a relatively small one

Distribution

Overview

Accident and health insurance policies in Spain are mostly sold directly to consumers

Affinity and corporate partnerships

Accident insurance is commonly marketed through affinity and corporate distribution partners...

… among which over 55% of those researched offer at least one form of cover

Most programs are placed with a single, external underwriter

Caser holds the most distribution partnerships among the organisations researched…

… followed by MAPFRE, Sanitas, ASISA and SegurCaixa Adeslas

AXA has held a relationship with the Asociación de Futbolistas Españoles since June 2014

Key competitors

By premiums, SegurCaixa Adeslas leads the field in both accident and health insurance

Some competitors (such as IMQ in the Basque Country) are strong in particular regions

The leading intermediaries are likely to be the largest commercial lines insurance brokers

Forecasts

Overview

The market value is expected to continue growing steadily up to 2020…

… with individual health / hospital cash cover thought likely to advance most rapidly

11.0 SWITZERLAND

Introduction

Market size, growth and segmentation

Overview

The combined accident and health insurance market in Switzerland is growing at a moderate pace…

… with individual business outpacing group business

The two largest segments in the Swiss accident insurance are for types of compulsory cover

Accident insurance

Personal accident cover makes up close to 90% of the total market value in Switzerland…

… with occupational and sport-related cover relatively small in comparison

Health insurance

Dental insurance accounts for around 5% of the total market for health insurance in Switzerland

Health and hospital cash plans exist as even more of a niche segment

Distribution

Overview

Affinity and corporate partnerships

Affinity and corporate partners are most likely to act as distributors of medical expenses insurance

Well over a third of organisations investigated distribute at least one type of accident or health cover

Just over a half or product initiatives identified are dealt with by external underwriters

Helsana holds the most product partnerships in this field, followed by SWICA and CSS…

Key competitors

… and these are also the leading underwriters of supplementary health cover

Intermediaries are comprised of insurance brokers and online comparison sites

Forecasts

Overview

The Swiss market for accident and health insurance will continue to expand at a modest rate…

… with niche segments generally expected to advance more rapidly than larger ones

12.0 UK

Introduction

Market size, growth and segmentation

Overview

Premiums for accident insurance have been outgrowing those for health insurance…

… and group business has been outpacing individual business

Accident insurance

Group occupational accident insurance is the largest category of the UK’s market for accident insurance…

… and group personal (non-sport) accident insurance the second-largest

The UK hosts one of the largest markets in Europe for sport-related accident insurance

Health insurance

The vast majority of the value of the UK market is composed of medical expenses insurance…

… although dental insurance and group health / hospital cash cover have been rising most rapidly

Distribution

Overview

Accident and health insurance in the UK is sold through a diverse range of distribution channels

Affinity and corporate partnerships

Almost a half of 294 partner organisations researched offer at least one type of accident or health cover…

… with accident insurance available most commonly

Participation rates vary greatly from one partner category to another

Almost half of all programs are placed with a single, external underwriter

Specialised intermediaries hold the most product partnerships for accident and health insurance…

… with HMCA and Parliament Hill especially prominent in this context

Aviva, AXA PPP, Bupa and Cigna are the most prominent major underwriters in this analysis

Key competitors

Around 60 insurers are active in different segments of the UK’s market for accident and health cover…

… and there are also numerous intermediaries…

… comprising both multiline and specialist brokers…

… including at least eight of the latter that are focused on sport-related insurance

Forecasts

Overview

Premiums for group occupational (non-sport) accident cover are forecast to expand most rapidly…

… with those for individual sport accident cover also thought likely to rise comparatively quickly

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

Key market data for accident and health insurance in ten countries in Europe, 2012, 2016 and 2020 (forecast)

1.0 INTRODUCTION

Affinity and corporate distribution partners researched in ten countries in Europe segmented by category, 2016

2.0 EUROPEAN OVERVIEW

Gross written premiums for accident and health insurance in ten countries in Europe, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in ten countries in Europe, 2012 to 2016 (overview) (table)

Gross written premiums for accident insurance in ten countries in Europe segmented between individual and group business, and by country, 2016

Gross written premiums for accident insurance in ten countries in Europe segmented between individual and group business, and by country, 2016 (table)

Gross written premiums for accident insurance in ten countries in Europe segmented between personal (non-sport), occupational (non-sport) and sport accident business, and by country, 2016

Gross written premiums for accident insurance in ten countries in Europe segmented between personal (non-sport), occupational (non-sport) and sport accident business, and by country, 2016 (table)

Gross written premiums for health insurance in ten countries in Europe, 2012 to 2016

Gross written premiums for health insurance in ten countries in Europe, 2012 to 2016 (table)

Gross written premiums for health insurance in ten countries in Europe segmented between individual and group business, and by country, 2016

Gross written premiums for health insurance in ten countries in Europe segmented between individual and group business, and by country, 2016 (table)

Gross written premiums for health insurance in ten countries in Europe segmented between medical expenses, health / hospital cash and dental business, and by country, 2016

Gross written premiums for health insurance in ten countries in Europe segmented between medical expenses, health / hospital cash and dental business, and by country, 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in ten countries in Europe, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in ten countries in Europe, segmented by type of affinity or corporate partner, 2016

Gross written premiums for accident and health insurance in ten countries in Europe, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in ten countries in Europe, 2016 and 2020 (forecast) (table)

Gross written premiums for accident insurance in ten countries in Europe, 2016 and 2020 (forecast)

Gross written premiums for accident insurance in ten countries in Europe, 2016 and 2020 (forecast) (table)

Gross written premiums for health insurance in ten countries in Europe, 2016 and 2020 (forecast)

Gross written premiums for health insurance in ten countries in Europe, 2016 and 2020 (forecast) (table)

3.0 BELGIUM

Gross written premiums for accident and health insurance in Belgium, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Belgium, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Belgium segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Belgium segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Belgium, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in Belgium, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in Belgium, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in Belgium, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in Belgium, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Belgium, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Belgium, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in Belgium, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in Belgium, 2016

Gross written premiums for accident and health insurance in Belgium segmented between individual and group business, 2020 (forecast)

Gross written premiums for accident and health insurance in Belgium segmented between individual and group business, 2020 (forecast) (table)

Gross written premiums for accident and health insurance in Belgium, 2020 (forecast) (detailed breakdown) (table)

4.0 FRANCE

Gross written premiums for accident and health insurance in France, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in France, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in France segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in France segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in France, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in France, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in France, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in France, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in France, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in France, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in France, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in France, 2016

Gross written premiums for accident and health insurance in France, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in ten countries in Europe segmented between individual and group business, and by country, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in France, 2016

Gross written premiums for accident and health insurance in France segmented between individual and group business, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in France segmented between individual and group business, 2016 and 2020 (forecast) (table)

Gross written premiums for accident and health insurance in France, 2020 (forecast) (detailed breakdown) (table)

5.0 GERMANY

Gross written premiums for accident and health insurance in Germany, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Germany, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Germany segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Germany segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Germany, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in Germany, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in Germany, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in Germany, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in Germany, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Germany, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Germany, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in Germany, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in Germany, 2016

Gross written premiums for accident and health insurance in Germany segmented between individual and group business, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in Germany segmented between individual and group business, 2016 and 2020 (forecast) (table)

Gross written premiums for accident and health insurance in Germany, 2020 (forecast) (detailed breakdown) (table)

6.0 IRELAND

Gross written premiums for accident and health insurance in Ireland, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Ireland, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Ireland segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Ireland segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident insurance in Ireland, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in Ireland, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in Ireland, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in Ireland, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Ireland, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Ireland, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in Ireland, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in Ireland, 2016

Gross written premiums for accident and health insurance in Ireland segmented between individual and group business, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in Ireland segmented between individual and group business, 2016 and 2020 (forecast) (table)

Gross written premiums for accident and health insurance in Ireland, 2020 (forecast) (detailed breakdown) (table)

7.0 ITALY

Gross written premiums for accident and health insurance in Italy, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Italy, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Italy segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Italy segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Italy, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in Italy, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in Italy, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in Italy, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in Italy, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Italy, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Italy, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in Italy, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in Italy, 2016

Gross written premiums for accident and health insurance in Italy segmented between individual and group business, 2020 (forecast)

Gross written premiums for accident and health insurance in Italy segmented between individual and group business, 2020 (forecast) (table)

Gross written premiums for accident and health insurance in Italy, 2020 (forecast) (detailed breakdown) (table)

8.0 NETHERLANDS

Gross written premiums for accident and health insurance in the Netherlands, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in the Netherlands, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in the Netherlands segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in the Netherlands segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in the Netherlands, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in the Netherlands, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in the Netherlands, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in the Netherlands, segmented between medical expenses, health / hospital cash plans and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in the Netherlands, segmented between medical expenses, health / hospital cash plans and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in the Netherlands, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in the Netherlands, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in the Netherlands, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in the Netherlands, 2016

Gross written premiums for accident and health insurance in the Netherlands segmented between individual and group business, 2020 (forecast)

Gross written premiums for accident and health insurance in the Netherlands segmented between individual and group business, 2020 (forecast) (table)

Gross written premiums for accident and health insurance in the Netherlands, 2020 (forecast) (detailed breakdown) (table)

9.0 POLAND

Gross written premiums for accident and health insurance in Poland, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Poland, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Poland segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Poland segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Poland, 2012 to 2016 (national segmentation) 157 Gross written premiums for accident insurance in Poland, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in Poland, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in Poland, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in Poland, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Poland, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Poland, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in Poland, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in Poland, 2016

Gross written premiums for accident and health insurance in Poland segmented between individual and group business, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in Poland segmented between individual and group business, 2016 and 2020 (forecast) (table)

Gross written premiums for accident and health insurance in Poland, 2020 (forecast) (detailed breakdown) (table)

10.0 SPAIN

Gross written premiums for accident and health insurance in Spain, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Spain, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Spain segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Spain segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Spain, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in Spain, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in Spain, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in Spain, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in Spain, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Spain, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Spain, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in Spain, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in Spain, 2016

Gross written premiums for accident and health insurance in Spain segmented between individual and group business, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in Spain segmented between individual and group business, 2016 and 2020 (forecast) (table)

Gross written premiums for accident and health insurance in Spain, 2020 (forecast) (detailed breakdown) (table)

11.0 SWITZERLAND

Gross written premiums for accident and health insurance in Switzerland, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Switzerland, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Switzerland segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in Switzerland segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in Switzerland, 2012 to 2016 (national segmentation)

Gross written premiums for accident insurance in Switzerland, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in Switzerland, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in Switzerland, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in Switzerland, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Switzerland, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in Switzerland, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in Switzerland, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in Switzerland, 2016

Gross written premiums for accident and health insurance in Switzerland segmented between individual and group business, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in Switzerland segmented between individual and group business, 2016 and 2020 (forecast) (table)

Gross written premiums for accident and health insurance in Switzerland, 2020 (forecast) (detailed breakdown) (table)

12.0 UK

Gross written premiums for accident and health insurance in the UK, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in the UK, 2012 to 2016 (overview) (table)

Gross written premiums for accident and health insurance in the UK segmented between individual and group business, 2012 to 2016 (overview)

Gross written premiums for accident and health insurance in the UK segmented between individual and group business, 2012 to 2016 (overview) (table)

Gross written premiums for accident insurance in the UK, segmented between personal, occupational and sport business, and between individual and group business, 2016

Gross written premiums for accident insurance in the UK, segmented between personal, occupational and sport business, between individual and group business and (for personal non-sport business) between non-travel and travel business, 2012 to 2016 (table)

Gross written premiums for health insurance in the UK, segmented between medical expenses, health / hospital cash and dental business, and between individual and group business, 2016

Gross written premiums for health insurance in the UK, segmented between medical expenses, health / hospital cash and dental business, between individual and group business and (for medical expenses business) between non-travel and travel business, 2012 to 2016 (table)

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in the UK, segmented by type of policy, 2016

Provision rate for accident and health insurance distributed through affinity and corporate partnerships in the UK, segmented by type of affinity or corporate partner, 2016

Operating models used for accident and health insurance distributed through affinity and corporate partnerships in the UK, 2016

Provider share of partnerships for accident and health insurance distributed through affinity and corporate partnerships in the UK, 2016

Gross written premiums for accident and health insurance in the UK segmented between individual and group business, 2016 and 2020 (forecast)

Gross written premiums for accident and health insurance in the UK segmented between individual and group business, 2016 and 2020 (forecast) (table)

Gross written premiums for accident and health insurance in the UK, 2020 (forecast) (detailed breakdown) (table)

 

Home | About us | Reports | Contact us | Privacy | Copyright | Terms and Conditions | CSR | Site map