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Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017

Synopsis
The report provides in ...
insurance segment Assess the competitive dynamics in the personal accident and health insurance segment,
along with the re...
4.3.2 Combined Ratio
4.3.3 Incurred Losses Per Capita
4.3.4 Incurred Losses As A Percentage Of Gdp
4.4 Distribution Channe...
10 Governance, Risk And Compliance
10.1 Legislation Overview And Historical Evolution
10.2 Legislation And Market Practice...
11 Competitive Landscape And Strategic Insights
11.1 Overview
11.2 Leading Companies’ Personal Accident And Health I...
12.2.15 Goods Imports As A Percentage Of Gdp
12.2.16 Exports Growth
12.2.17 Imports Growth
12.2.18 Annual Average Exchange...
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Personal Accident and Health Insurance Industry in Portugal to 2017

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The Portuguese healthcare system is well developed and is characterized by a mix of public and private systems. The written premium of the Portuguese personal accident and health insurance segment declined from EUR1.4 billion (US$2.0 billion) in 2008 to EUR1.2 billion (US$1.5 billion) in 2012, at a compound annual growth rate (CAGR) of -3.4% during the review period (2008–2012).

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Transcript of "Personal Accident and Health Insurance Industry in Portugal to 2017"

  1. 1. Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017 Synopsis The report provides in depth market analysis, information and insights into the Portuguese personal accident and health insurance segment, including: The Portuguese personal accident and health insurance segment’s growth prospects by insurance categories Key trends and drivers for the personal accident and health insurance segment The various distribution channels in the Portuguese personal accident and health insurance segment Detailed competitive landscape in the personal accident and health insurance segment in Portugal Detailed regulatory framework of the Portuguese insurance industry A description of the personal accident and health reinsurance segment in Portugal Porter's Five Forces Analysis of the personal accident and health insurance segment Benchmarking section on the Portuguese personal accident and health insurance segment in comparison to other countries with gross written premium in the range of US$10 billion to US$40 billion Executive summary The Portuguese healthcare system is well developed and is characterized by a mix of public and private systems. The written premium of the Portuguese personal accident and health insurance segment declined from EUR1.4 billion (US$2.0 billion) in 2008 to EUR1.2 billion (US$1.5 billion) in 2012, at a compound annual growth rate (CAGR) of -3.4% during the review period (2008–2012). The troubled state of the economy, rising unemployment and a decline in disposable income has led to a decline in demand for personal accident and health insurance products. Over the forecast period (2012–2017), declining government health spending, rising healthcare costs and an aging population will act as catalysts for the growth of the personal accident and health segment. Scope This report provides a comprehensive analysis of the personal accident and health insurance segment in Portugal: It provides historical values for the Portuguese personal accident and health insurance segment for the report’s 2008–2012 review period and forecast figures for the 2012–2017 forecast period It offers a detailed analysis of the key sub-segments in the Portuguese personal accident and health insurance segment, along with market forecasts until 2017 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 Portugal Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Portugal for the personal accident and health insurance segment It provides a detailed analysis of the reinsurance segment in Portugal and its growth prospects It profiles the top personal accident and health insurance companies in Portugal and outlines the key regulations affecting them Reasons to buy Make strategic business decisions using in depth historic and forecast market data related to the Portuguese personal accident and health insurance segment and each category within it Understand the demand-side dynamics, key market trends and growth opportunities within the Portuguese personal accident and health Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017
  2. 2. insurance segment Assess the competitive dynamics in the personal accident and health insurance segment, along with the reinsurance segment Identify the growth opportunities and market dynamics within key product categories Gain insights into key regulations governing the Portuguese insurance segment and its impact on companies and the market's future Key highlights According to the Portuguese Health Regulatory Authority, around 30% of total healthcare expenditure is from the private sector, and mainly consists of out-of-pocket payments such as co-payments and direct payments by the patient The ongoing government austerity measures and decline in disposable income have led to a decline in demand for personal accident and health insurance products The segment registered a review-period CAGR of -3.4%, with gross written premiums declining from EUR1.4 billion (US$2.0 billion) in 2008 to EUR1.2 billion (US$1.5 billion) in 2012 Agencies recorded the largest share of total commission with 61.0% at the end of 2012 The Portuguese personal accident and health insurance segment is highly concentrated, with the 10-leading companies accounting for 83.9% of the total segment’s written premiums in 2012. table Of Contents 1 Executive Summary 2 Introduction 2.1 What Is This Report About? 2.2 Definitions 2.3 Methodology 3 Regional Market Dynamics 3.1 Overview 3.1.1 Market Trends 3.1.2 Market Size 4 Personal Accident And Health Insurance 4.1 Scale And Penetration 4.1.1 Total Market Gross Written Premium 4.1.2 Premium Per Capita 4.1.3 Personal Accident And Health Insurance Penetration 4.2 Growth 4.2.1 Gross Written Premium 4.2.2 Gross Written Premium Per Capita 4.3 Efficiency And Risk 4.3.1 Loss Ratio Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017
  3. 3. 4.3.2 Combined Ratio 4.3.3 Incurred Losses Per Capita 4.3.4 Incurred Losses As A Percentage Of Gdp 4.4 Distribution Channels 4.4.1 Direct Marketing 4.4.2 Brokers 4.4.3 Bancassurance 4.4.4 Agencies 5 Portuguese Insurance Industry Attractiveness 5.1 Insurance Industry Size, 2008–2017 5.2 Key Industry Trends And Drivers 6 Personal Accident And Health Insurance Segment Outlook 6.1 Personal Accident And Health Insurance Growth Prospects By Category 6.1.1 Personal Accident Insurance 6.1.2 Travel Insurance 6.1.3 Non-life Health Insurance 7 Analysis By Distribution Channels 7.1 Direct Marketing 7.2 Bancassurance 7.3 Agencies 7.4 Brokers 7.5 Other Channels 8 Porter’s Five Forces Analysis – Portuguese Personal Accident And Health Insurance 8.1 Bargaining Power Of Supplier: Low To Medium 8.2 Bargaining Power Of Buyer: Medium 8.3 Barriers To Entry: Low To Medium 8.4 Intensity Of Rivalry: Medium 8.5 Threat Of Substitutes: Medium 9 Reinsurance Growth Dynamics And Challenges 9.1 Reinsurance Segment Size, 2008–2017 9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017 Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017
  4. 4. 10 Governance, Risk And Compliance 10.1 Legislation Overview And Historical Evolution 10.2 Legislation And Market Practice By Type Of Insurance 10.2.1 Life Insurance 10.2.2 Property Insurance 10.2.3 Motor Insurance 10.2.4 Marine, Aviation And Transit Insurance 10.2.5 Personal Accident And Health Insurance 10.3 Compulsory Insurance 10.3.1 Motor Vehicle Third-party Liability Insurance 10.3.2 Air Carriers And Aircraft Operators Insurance 10.4 Supervision And Control 10.4.1 International Regulatory Authority 10.4.2 European Insurance And Occupational Pensions Authority 10.4.3 Portugal Insurance Institute 10.4.4 Portuguese Association Of Insurers 10.5 Non-admitted Insurance Regulations 10.5.1 Overview 10.5.2 Intermediaries 10.5.3 Market Practices 10.5.4 Fines And Penalties 10.6 Company Registration And Operations 10.6.1 Types Of Insurance Organization 10.6.2 Establishing A Local Company 10.6.3 Foreign Ownership 10.6.4 Types Of License 10.6.5 Capital Requirements 10.6.6 Solvency Margins 10.6.7 Reserve Requirements 10.6.8 Investment Regulations 10.6.9 Statutory Return Requirements 10.6.10 Fee Structure 10.7 Taxation 10.7.1 Insurance Premium Or Policy Taxation 10.7.2 Withholding Taxes On Premium Paid Overseas 10.7.3 Corporate Tax 10.7.4 Vat 10.7.5 Captives 10.8 Legal System 10.8.1 Introduction 10.8.2 Access To Court 10.8.3 Alternative Dispute Resolution (adr) Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017
  5. 5. 11 Competitive Landscape And Strategic Insights 11.1 Overview 11.2 Leading Companies’ Personal Accident And Health Insurance Segment In Portugal 11.3 Companhia De Seguros Fidelidade Mundial Sa – Company Overview 11.3.1 Companhia De Seguros Fidelidade Mundial Sa – Key Facts 11.4 Ocidental Companhia Portuguesa De Seguros, Sa – Company Overview 11.4.1 Ocidental Companhia Portuguesa De Seguros, Sa – Key Facts 11.5 Companhia De Seguros Allianz Portugal Sa – Company Overview 11.5.1 Companhia De Seguros Allianz Portugal Sa – Key Facts 11.6 Companhia De Seguros Tranquilidade, Sa – Company Overview 11.6.1 Companhia De Seguros Tranquilidade Sa – Key Facts 11.7 Companhia De Seguros Açoreana, Sa – Company Overview 11.7.1 Companhia De Seguros Açoreana, Sa – Key Facts 11.8 Axa Portugal Companhia De Seguros, Sa – Company Overview 11.8.1 Axa Portugal Companhia De Seguros, Sa – Key Facts 11.9 Lusitania, Companhia De Seguros Sa – Company Overview 11.9.1 Lusitania, Companhia De Seguros Sa – Key Facts 11.10 Zurich Insurance Plc – Sucursal Em Portugal – Company Overview 11.10.1 Zurich Insurance Plc – Sucursal Em Portugal – Key Facts 11.11 Generali Companhia De Seguros, Spa – Company Overview 11.11.1 Generali Companhia De Seguros Spa – Key Facts 11.12 Victoria Seguros De Vida, Sa – Company Overview 11.12.1 Victoria Seguros De Vida, Sa – Key Facts 12 Business Environment And Country Risk 12.1 Business Confidence 12.1.1 Market Capitalization Trend – Lisbon Stock Exchange, Portugal 12.2 Economic Performance 12.2.1 Gdp At Constant Prices (us$) 12.2.2 Gdp Per Capita At Constant Prices (us$) 12.2.3 Gdp At Current Prices (us$) 12.2.4 Gdp Per Capita At Current Prices (us$) 12.2.5 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$) 12.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices As A Percentage Of Gdp 12.2.7 Manufacturing Net Output At Current Prices (us$) 12.2.8 Manufacturing Net Output At Current Prices As A Percentage Of Gdp 12.2.9 Mining, Manufacturing And Utilities At Current Prices (us$) 12.2.10 Mining, Manufacturing And Utilities At Current Prices, As A Percentage Of Gdp 12.2.11 Construction Net Output At Current Prices, (us$) 12.2.12 Construction Net Output At Current Prices As A Percentage Of Gdp 12.2.13 Inflation Rate 12.2.14 Merchandise Exports As A Percentage Of Gdp Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017
  6. 6. 12.2.15 Goods Imports As A Percentage Of Gdp 12.2.16 Exports Growth 12.2.17 Imports Growth 12.2.18 Annual Average Exchange Rate Eur–us$ 12.3 Infrastructure Quality And Availability 12.3.1 Commercial Vehicle Exports – Total Value 12.3.2 Commercial Vehicle Imports – Total Value 12.3.3 Automotive Exports – Total Value 12.3.4 Automotive Imports – Total Value 12.3.5 Total Internet Subscribers 12.4 Labor Force 12.4.1 Labor Force 12.4.2 Unemployment Rate 12.5 Demographics 12.5.1 Gross National Disposable Income (us$) 12.5.2 Household Consumption Expenditure (us$) 12.5.3 Total Population 12.5.4 Urban And Rural Populations 12.5.5 Age Distribution Of The Total Population 13 Appendix 13.1 Methodology 13.2 Contact Timetric 13.3 About Timetric 13.4 Timetric’s Services 13.5 Disclaimer ResearchMoz(http://www.researchmoz.us/) is the one stop online destination to find and buy market research reports & Industry Analysis. We fulfill all your research needs spanning across industry verticals with our huge collection of market research reports. We provide our services to all sizes of organizations and across all industry verticals and markets. Our Research Coordinators have in-depth knowledge of reports as well as publishers and will assist you in making an informed decision by giving you unbiased and deep insights on which reports will satisfy your needs at the best price. Contact: M/s Sheela, 90 State Street, Suite 700, Albany NY - 12207 United States Tel: +1-518-618-1030 USA - Canada Toll Free 866-997-4948 Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017
  7. 7. Email: sales@researchmoz.us Website: http://www.researchmoz.us/ Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017

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