Personal Accident and Health Insurance in Belgium, Key Trends and Opportunities to 2016

The report provides in depth market analysis, information and insights into the Belgian personal accident and health insurance market, including:

• The Belgian personal accident and health insurance market’s growth prospects by personal accident and health insurance categories
• The various distribution channels in the Belgian personal accident and health insurance market
• The competitive landscape in the personal accident and health insurance market
• A description of the personal accident and health reinsurance market in Belgium

In terms of gross written premium, the Belgian personal accident and health insurance segment recorded a positive growth rate during the review period. This growth was primarily due to increases in overall medical expenditure and Belgian outbound tourism. The expansion of the segment was also supported by positive demographic factors such as increased life expectancy and the country’s large urban population. Despite Belgium’s strong statutory healthcare scheme and difficult business conditions, the country’s personal accident and health segment is expected to continue to grow positively over the forecast period.

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Report Details:
Published: August 2012
No. of Pages: 208
Price:Single User License:US$1950 Corporate User License:US$3900



Scope
This report provides a comprehensive analysis of the personal accident and health insurance market in Belgium:

• It provides historical values for the Belgian personal accident and health insurance market for the review period (2007–2011) and forecast period (2012–2016)
• It offers a detailed analysis of the key sub-segments in the Belgian personal accident and health insurance market, along with market forecasts until 2016
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
• It analyses the various distribution channels for personal accident and health insurance products in Belgium
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Belgian for the personal accident and health insurance business
• It provides a detailed analysis of the reinsurance market in Belgium and its growth prospects
• It profiles the top personal accident and health insurance companies in Belgium and outlines the key regulations affecting them

Key highlights

• The number of outbound tourists from Belgium increased from 8.4 million in 2007 to 10.5 million in 2011, and is expected to reach 12.7 million by 2016. This significant increase in outbound tourism was the key growth driver of the travel insurance category during the review period.
• In Belgium, all public, private and self-employed individuals are protected under a public social security system, under which health insurance is included. Under this system, public and private employees contribute some proportion of their incomes to a public welfare health insurance fund named mutuelle/mutualité or ziekenfonds/mutualiteit in order to access the country’s public healthcare facilities.
• The Belgian government encourages foreign investment through incentives such as a lower corporate tax structure, national interest deductions, patent income relief, and VAT grouping. In addition, the country’s policy makers offer a variety of fiscal measures designed to facilitate investment.
• In addition, the Belgian insurance industry’s high exposure to government bonds could cause losses for insurance companies over the forecast period, while the increasing losses from frauds and crimes may negatively impact bottom lines and reduce investor confidence.
• During the review period, Belgium’s unfavorable business and economic conditions forced the country’s personal accident and health insurance companies to increase their use of channels with lower marketing and administrative costs.
• A number of multinational insurers, such as AXA, Ergo and Allianz, have significant operations in Belgium and multinationals collectively dominate the country’s personal accident and health insurance segment. Moreover, the Belgian government‘s encouragement of FDI, through liberal regulations, tax reductions, and other fiscal measures, is expected to attract new businesses over the forecast period.

Reasons to buy

• Make strategic business decisions using in depth historic and forecast market data related to the Belgian personal accident and health insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the Belgian personal accident and health insurance market
• Assess the competitive dynamics in the personal accident and health insurance market, along with the reinsurance segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the Belgian insurance market and its impact on companies and the market's future

Personal Accident and Health Insurance in New Zealand, Key Trends and Opportunities to 2016

• The report provides in depth market analysis, information and insights into the New Zealand personal accident and health insurance market, including:
• The New Zealand life insurance market’s growth prospects by personal accident and health insurance categories and customer segments
• The various distribution channels in the New Zealand personal accident and health insurance market
• The competitive landscape in the New Zealand personal accident and health insurance market
• A description of the personal accident and health reinsurance market in New Zealand

Executive summary

The largest category in the personal accident and health insurance segment in 2011 was personal accident insurance with a 59% share, followed by health insurance which accounted for a share of 37.2%. The main distribution channels for personal accident and health insurance in New Zealand are insurance brokers and direct marketing. These two channels accounted for an 86% share of the total market commission in 2011. Rising healthcare costs, low penetration of health insurance products and anticipated reforms are expected to increase the role of private insurers which will support the growth of the segment over the forecast period.

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Report Details:
Published: August 2012
No. of Pages: 203
Price:Single User License:US$1950 Corporate User License:US$5850



Scope
This report provides a comprehensive analysis of the personal accident and health insurance market in New Zealand:

• It provides historical values for the New Zealand personal accident and health insurance market for the report’s 2007–2011 review period and forecast figures for the 2012–2016 forecast period
• It offers a detailed analysis of the key sub-segments in the New Zealand personal accident and health insurance market, along with market forecasts until 2016
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
• It analyses the various distribution channels for insurance products in New Zealand
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in New Zealand for the personal accident and health insurance business
• It provides a detailed analysis of the reinsurance market in New Zealand and its growth prospects
• It profiles the top personal accident and health insurance companies in New Zealand and outlines the key regulations affecting them

Key highlights

• The personal accident and health insurance segment of the New Zealand insurance industry witnessed a steady growth during the review period of 2007-2011.
• According to a report produced by the Health Fund Association of New Zealand in December 2011, an increased reliance on government healthcare expenditure meant the deterring of private healthcare firms from investing.
• The treasury’s briefing to the government that health spending grew at a faster rate than the economy as a whole for the past two decades confirmed the unsustainable levels of public spending on healthcare.
• Due to strong, country-wide distribution networks and high customer confidence, brokers enabled insurance companies to increase the penetration and demand for their personal accident and health insurance policies.
• Some clients used the internet or the telephone to make their purchases, driving a focus for online marketing. The rising demand for direct marketing increased the number of direct marketing distributors in the personal accident and health insurance segment.
• The leading personal accident and health insurance companies in New Zealand are: Sovereign Assurance, Southern Cross Health Society, Tower Health and Life, Partners Life, AIA New Zealand, AMP and Asteron.

Reasons to buy

• Make strategic business decisions using in depth historic and forecast market data related to the New Zealand personal accident and health insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the New Zealand personal accident and health insurance market
• Assess the competitive dynamics in the personal accident and health insurance market
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the New Zealand insurance market and its impact on companies and the market's future

Personal Accident and Health Insurance in the Philippines, Key Trends and Opportunities to 2016

Natural disasters such as Typhoon Ondoy, which caused widespread damage in the Philippines in 2009, and recent events in neighboring countries such as Japan, have significantly increased Philippine consumer awareness of the need for, and benefits of, insurance. The Philippine personal accident and health insurance segment grew at a healthy rate during the review period. This growth was fuelled by the country’s rising healthcare expenditure, the increasing disposable income of much of the Philippine population, and the growing number of private hospitals in the country. As of 2011, private hospitals account for 65% of the total hospitals available in the country.

Reasons To Buy

• Make strategic business decisions using top-level historic and forecast market data related to the Philippine personal accident and health insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the Philippine personal accident and health insurance market
• Assess the competitive dynamics in the personal accident and health insurance market, along with the reinsurance segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the Philippine personal accident and health insurance market and its impact on companies and the market's future

Philippines Personal Accident & Health Insurance

Published: March 2012
No. of Pages: 178
Price: Single User License: US$ 1950    Corporate User License: US$ 3900



The report provides top-level market analysis, information and insights into the Philippine personal accident and health insurance market, including:

• The Philippine personal accident and health insurance market’s growth prospects by personal accident and health insurance categories
• The various distribution channels in the Philippine personal accident and health insurance market
• The competitive landscape in the personal accident and health insurance market
• A description of the personal accident and health reinsurance market in the Philippines

Scope
This report provides a comprehensive analysis of the personal accident and health insurance market in the Philippines:

• It provides historical values for the Philippine personal accident and health insurance market for the report’s 2007–2011 review period and forecast figures for the 2012–2016 forecast period
• It offers a detailed analysis of the key sub-segments in the Philippine personal accident and health insurance market, along with market forecasts until 2016
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
• It analyses the various distribution channels for personal accident and health insurance products in the Philippines
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in the Philippines for the personal accident and health insurance business
• It provides a detailed analysis of the reinsurance market in the Philippines and its growth prospects
• It profiles the top personal accident and health insurance companies in the Philippines and outlines the key regulations affecting them

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Personal Accident and Health Insurance in South Africa, Key Trends and Opportunities to 2016: Introduction of National Healthcare Insurance Scheme Will Drive Market Growth

South Africa’s healthcare industry is expected to undergo a radical change in structure following the launch of National Healthcare Insurance (NHI), a universal healthcare scheme. The NHI will have a significant impact on the South African personal accident and health insurance segment, both directly and indirectly. Although personal accident and health insurance is the smallest segment in the overall South African insurance industry in terms of total written premium, NHI could considerably enlarge the insurance segment. Other new South African insurance products, such as those which provide cover for HIV-infected people, as well as medical savings initiatives, will ensure steady growth for the segment during the forecast period.

Key highlights

• South Africa’s healthcare industry is expected to undergo a radical change in structure following the launch of National Healthcare Insurance (NHI), a universal healthcare scheme. It will have a significant impact on the segment, both directly and indirectly
• The main growth driver for personal accident and health insurance during the review period was the launch of HIV/AIDS insurance cover by both health and life insurance companies, which was purchased by a large number of the country’s formerly uninsured population
• The travel insurance segment recorded robust growth during the review period, due to the country’s preparation for, and execution of, the 2010 FIFA World Cup
• Direct marketing through intermediary agencies, such as medical institutions, online direct marketing companies, governmental agencies and NGOs, is the leading distribution channel for the health insurance category
• The South African personal accident and health insurance segment contains a small number of large insurance companies with significant market shares, as well as a large number of small niche companies and governmental agencies

Personal Accident and Health Insurance Market

Published: February 2012
No. of Pages: 185
Price : Single User License - US$1950 

 


Scope

• This report provides a comprehensive analysis of the personal accident and health insurance market in South Africa
• It provides historical values for South Africa’s personal accident and health insurance market for the report’s 2007–2011 review period and forecast figures for the 2012–2016 forecast period
• It offers a detailed analysis of the key sub-segments in South Africa’s personal accident and health insurance market, along with market forecasts until 2016
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
• It analyses the various distribution channels for personal accident and health insurance products in South Africa
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in South Africa for the personal accident and health insurance business
• It provides a detailed analysis of the reinsurance market in South Africa and its growth prospects
• It profiles the top personal accident and health insurance companies in South Africa and outlines the key regulations affecting them

Reasons to buy

• Make strategic business decisions using top-level historic and forecast market data related to the South African personal accident and health insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the South African personal accident and health insurance market
• Assess the competitive dynamics in the personal accident and health insurance market, along with the reinsurance segment
• Identify the growth opportunities and market dynamics within key product categories
• Gain insights into key regulations governing the South African personal accident and health insurance market and its impact on companies and the market's future