Personal Accident and Health Insurance Market in Japan @

1. Personal Accident and Health Insurance in Japan, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Japanese personal accident
and health insurance segment, including:
The Japanese 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 Japanese personal accident and health insurance segment Detailed competitive
landscape in the personal accident and health insurance segment in Japan Detailed regulatory framework of
the Japanese insurance industry A description of the personal accident and health reinsurance segment in
Japan Porter's Five Forces Analysis of the personal accident and health insurance segment Benchmarking
section on the Japanese personal accident and health insurance segment in comparison to other countries with
overall GWP>$150 billion
Executive summary
Japan has the world’s oldest population, with people aged 65 years and above accounting for 25.0% of
the total population at the end of April 2013. Japan operates a universal health cover system, and health
insurance is mandatory for every individual in Japan. This has resulted in a rise in government welfare and
healthcare expenditure in Japan. Healthcare expenditure as a percentage of GDP increased from 8.6% in 2008
to 9.8% in 2012. Increased demand for healthcare services and rising expenditure is driving demand for
private insurance, and the written premium of personal accident and health insurance expanded at a CAGR of
4.5% from JPY2.3 trillion (US$22.3 billion) in 2008 to JPY2.8 trillion (US$34.5 billion) in 2012.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in
Japan:
It provides historical values for Japan's 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 Japan's 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 Japan Using Porter’s industry-standard “Five Forces” analysis, it
details the competitive landscape in Japan for the personal accident and health insurance segment It provides a
detailed analysis of the reinsurance segment in Japan and its growth prospects It profiles the top personal
accident and health insurance companies in Japan 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 Japanese
personal accident and health insurance segment and each category within it Understand the demand-side
dynamics, key market trends and growth opportunities within the Japanese personal accident and health
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
Personal Accident and Health Insurance in Japan, Key Trends and Opportunities to 2017

2. categories Gain insights into key regulations governing the Japanese insurance segment and its impact on
companies and the market's future
Key highlights
Japan operates a universal health cover system and health insurance is mandatory for every individual in
Japan Japanese healthcare expenditure continues to rise, as the aging population is leading to increased
spending on advanced medical services The written premium of the personal accident and health segment
increased at a CAGR of 4.5% during the review period Agencies were the largest channel, with a 67.0% share
of the total commission for the distribution of personal accident and health insurance in 2012 Health
insurance, which accounted for a significant share in the Japanese personal accident and health insurance
segment, is expected to remain positive over the forecast period
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 Segment – Regional Benchmarking
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 (as A Percentage Of Gdp)
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
4.3.2 Incurred Losses Per Capita
4.3.3 Incurred Losses As A Percentage Of Gdp
4.4 Distribution Channels
4.4.1 Direct Marketing
Personal Accident and Health Insurance in Japan, Key Trends and Opportunities to 2017

3. 4.4.2 Bancassurance
4.4.3 Agencies
5 Japanese 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 Health Insurance
7 Analysis By Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels
8 Porter’s Five Forces Analysis – Personal Accident And Health Insurance
8.1 Bargaining Power Of Suppliers: Medium
8.2 Bargaining Power Of Buyers: High
8.3 Barriers To Entry: Medium To High
8.4 Intensity Of Rivalry: Medium To High
8.5 Threat Of Substitutes: Low
9 Reinsurance Growth Dynamics And Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
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
Personal Accident and Health Insurance in Japan, Key Trends and Opportunities to 2017

4. 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 Automobile Liability Insurance (cali)
10.3.2 Workers’ Accident Compensation Insurance
10.3.3 Liability Insurance For Nuclear Risks
10.4 Supervision And Control
10.4.1 International Association Of Insurance Supervisors
10.4.2 Financial Services Agency (fsa)
10.4.3 Local Finance Bureau Of The Ministry Of Finance (lfb)
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 Domestic 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)
11 Competitive Landscape And Strategic Insights
11.1 Overview
11.2 Companies In The Japanese Personal Accident And Health Insurance Segment
11.3 Nippon Life Insurance Company – Company Overview
Personal Accident and Health Insurance in Japan, Key Trends and Opportunities to 2017

5. 11.3.1 Nippon Life Insurance Company – Key Facts
11.4 Dai-ichi Life Insurance Company – Company Overview
11.4.1 Dai-ichi Life Insurance Company – Key Facts
11.5 Meiji Yasuda Life Insurance Company – Company Overview
11.5.1 Meiji Yasuda Life Insurance Company – Key Facts
11.6 Sumitomo Life Insurance Company – Company Overview
11.6.1 Sumitomo Life Insurance Company – Key Facts
12 Business Environment And Country Risk
12.1 Business Confidence
12.1.1 Market Capitalization Trend – Tokyo Stock Exchange, Japan
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 Gdp By Key Segments
12.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$)
12.2.7 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices As A Percentage Of Gdp
12.2.8 Manufacturing Net Output At Current Prices (us$)
12.2.9 Manufacturing Net Output At Current Prices As A Percentage Of Gdp
12.2.10 Mining, Manufacturing And Utilities At Current Prices (us$)
12.2.11 Mining, Manufacturing And Utilities At Current Prices, As A Percentage Of Gdp
12.2.12 Construction Net Output At Current Prices (us$)
12.2.13 Construction Net Output At Current Prices As A Percentage Of Gdp
12.2.14 Inflation Rate
12.2.15 Exports As A Percentage Of Gdp
12.2.16 Imports As A Percentage Of Gdp
12.2.17 Exports Growth
12.2.18 Imports Growth
12.2.19 Annual Average Exchange Rate Us$–jpy
12.3 Infrastructure
12.3.1 Commercial Vehicles Exports Total Value
12.3.2 Commercial Vehicles Import Value
12.3.3 Automotive Exports Total Value
12.3.4 Automotive Imports Total Value
12.3.5 Total Internet Subscribers
12.4 Labor Force
12.4.1 Labor Force
12.4.2 Unemployment Rate
12.5 Demographics
12.5.1 Gross National Disposable Income (us$)
Personal Accident and Health Insurance in Japan, Key Trends and Opportunities to 2017

6. 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
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Personal Accident and Health Insurance in Japan, Key Trends and Opportunities to 2017