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Personal Accident and Health Insurance in Spain, Key Trends and Opportunities to 2020

  • Published Date: 30 Apr 2017
  • Number of Pages: 139
  • Category: Finance and Banking
  • Country: Spain

Synopsis


Timetrics Personal Accident and Health Insurance in Spain, Key Trends and Opportunities to 2020 report provides a detailed outlook by product category for the Spanish personal accident and health insurance segment, and a comparison of the Spanish insurance industry with its regional counterparts.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (20112015) and forecast period (20152020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Spanish economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetrics research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary


Timetrics Personal Accident and Health Insurance in Spain, Key Trends and Opportunities to 2020 report provides in-depth market analysis, information and insights into the Spanish personal accident and health insurance segment, including:

An overview of the Spanish personal accident and health insurance segment

The Spanish personal accident and health insurance segments growth prospects by category

A comprehensive overview of the Spanish economy and demographics

A comparison of the Spanish personal accident and health insurance segment with its regional counterparts

The various distribution channels in the Spanish personal accident and health insurance segment

Details of the competitive landscape in the personal accident and health insurance segment in Spain

Details of regulatory policy applicable to the Spanish insurance industry

Scope


This report provides a comprehensive analysis of the personal accident and health insurance segment in Spain:

It provides historical values for the Spanish personal accident and health insurance segment for the reports 20112015 review period, and projected figures for the 20152020 forecast period.

It offers a detailed analysis of the key categories in the Spanish personal accident and health insurance segment, and market forecasts to 2020.

It provides a comparison of the Spanish personal accident and health insurance segment with its regional counterparts

It provides an overview of the various distribution channels for personal accident and health insurance products in Spain.

It profiles the top personal accident and health insurance companies in Spain, 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 Spanish personal accident and health insurance segment, and each category within it.

Understand the demand-side dynamics, key market trends and growth opportunities in the Spanish personal accident and health insurance segment.

Assess the competitive dynamics in the personal accident and health insurance segment.

Identify growth opportunities and market dynamics in key product categories.

Gain insights into key regulations governing the Spanish insurance industry, and their impact on companies and the industrys future.

Key Highlights


The personal accident and health segment accounted for the lowest industry share of 16.2% in 2015, in terms of gross written premium.


The strong social security and healthcare system affects private health insurance; private healthcare expenditure as a percentage of GDP rose marginally, mainly due to the high quality of private healthcare.


The decreasing population will affect the demand for health insurance over the forecast period.


The penetration rate of the personal accident and health insurance segment stood at 0.8% of GDP in 2015.


According to Eurostat, the number of deaths due to road accidents in Spain fell by -70.6% between 1995 and 2015.



Publisher Name : Timetric

Table of Contents


1 Key Facts and Highlights
2 Executive Summary
3 Economy and Demographics
4 Segment Outlook
4.1 Regional Comparison
4.2 Segment Indicators
4.2.1 Gross written premium and penetration
4.2.2 Policies sold
4.2.3 Claims
4.2.4 Profitability
4.2.5 Assets and investments
5 Outlook by Category
5.1 Personal Accident Insurance
5.1.1 Premium
5.1.2 Policies
5.1.3 Claims
5.1.4 Profitability
5.2 Health Insurance
5.2.1 Premium
5.2.2 Policies
5.2.3 Claims
5.2.4 Profitability
5.3 Travel Insurance
5.3.1 Premium
5.3.2 Policies
5.3.3 Claims
5.3.4 Profitability
6 Distribution Channel Outlook
6.1 Analysis by Distribution Channel
7 Competitive Landscape
7.1 Company Profiles
7.1.1 Segurcaixa Adeslas company overview
7.1.2 Sanitas company overview
7.1.3 Asisa company overview
7.1.4 IMQ Seguro Medico company overview
7.1.5 DKV Seguros Medicos company overview
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Latest Changes in Regulation
8.3 Legislation and Market Practice by Type of Insurance
8.3.1 Life insurance
8.3.2 Property insurance
8.3.3 Motor insurance
8.3.4 Liability insurance
8.3.5 Marine, aviation and transit insurance
8.3.6 Personal accident and health insurance
8.4 Compulsory Insurance
8.4.1 Motor third-party liability insurance
8.4.2 Marine liability insurance
8.4.3 Marine passenger liability insurance
8.4.4 Social insurance system
8.4.5 Air carriers and aircraft operators insurance
8.4.6 Professional indemnity insurance for alternative investment fund managers
8.4.7 Liability for ships with respect to oil pollution
8.5 Supervision and Control
8.5.1 International Association of Insurance Supervisors
8.5.2 European Insurance and Occupational Pensions Authority
8.5.3 Federation of European Risk Management Associations
8.5.4 Directorate General of Insurance and Pension Funds
8.6 Non-Admitted Insurance Regulations
8.6.1 Overview
8.6.2 Intermediaries
8.6.3 Market practices
8.6.4 Fines and Penalties
8.7 Company Registration and Operations
8.7.1 Type of insurance organization
8.7.2 Establishing a local company
8.7.3 Foreign ownership
8.7.4 Types of license
8.7.5 Capital requirements
8.7.6 Solvency margin
8.7.7 Reserve requirements
8.7.8 Investment regulations
8.7.9 Statutory return requirements
8.7.10 Fee structure
8.8 Taxation
8.8.1 Insurance premium or policy taxation
8.8.2 Withholding taxes on premium paid overseas
8.8.3 Corporate tax
8.8.4 VAT
8.8.5 Captives
8.9 Legal System
8.9.1 Introduction
8.9.2 Access to court
8.9.3 Alternative dispute resolution
9 Databook
9.1 Policies and Premium
9.2 Claims and Expenses
9.3 Assets and Investments
9.4 Direct Marketing and E-Commerce
9.5 Insurance Brokers and Agencies
9.6 Bancassurance and Other Distribution Channels
9.7 Personal Accident Insurance
9.8 Health Insurance
9.9 Health Insurance by Product
9.1 Travel Insurance
10 Definitions and Methodology
10.1 Definitions
10.2 Methodology
11 About Timetric
11.1 Contact Timetric
11.2 About Timetric
11.3 Timetrics Services
11.4 Disclaimer


List of Tables


Table 1: Spanish Personal Accident and Health Insurance Key Facts, 2015
Table 2: Spanish Government Credit Ratings
Table 3: Spanish Personal Accident and Health Insurance Gross Written Premium (EUR Billion and US$ Billion), 20112015
Table 4: Spanish Personal Accident and Health Insurance Penetration (%), 20112015
Table 5: Spanish Personal Accident and Health Insurance Gross Written Premium (EUR Billion and US$ Billion), 20152020
Table 6: Spanish Personal Accident and Health Insurance Penetration (%), 20152020
Table 7: Spanish Personal Accident and Health Insurance Premium per Capita (EUR and US$), 20112015
Table 8: Spanish Personal Accident and Health Insurance Premium per Capita (EUR and US$), 20152020
Table 9: Spanish Personal Accident and Health Insurance Number of Policies Sold (Million), 20112015
Table 10: Spanish Personal Accident and Health Insurance Number of Policies Sold (Million), 20152020
Table 11: Spanish Personal Accident and Health Insurance Paid Claims (EUR Billion and US$ Billion), 20112015
Table 12: Spanish Personal Accident and Health Insurance Paid Claims (EUR Billion and US$ Billion), 20152020
Table 13: Spanish Personal Accident and Health Insurance Profitability Ratio (%), 20112015
Table 14: Spanish Personal Accident and Health Insurance Profitability Ratio (%), 20152020
Table 15: Spanish Personal Accident and Health Insurance Total Assets (EUR Billion and US$ Billion), 20112015
Table 16: Spanish Personal Accident and Health Insurance Total Assets (EUR Billion and US$ Billion), 20152020
Table 17: Spanish Personal Accident and Health Insurance Total Investment Income (EUR Million and US$ Million), 20112015
Table 18: Spanish Personal Accident and Health Insurance Total Investment Income (EUR Million and US$ Million), 20152020
Table 19: Spanish Personal Accident and Health Insurance Investment Portfolio (EUR Billion), 20112015
Table 20: Spanish Personal Accident and Health Insurance Investment Portfolio (EUR Billion), 20152020
Table 21: Spanish Personal Accident and Health Insurance Direct Written Premium by Category (EUR Billion), 20112015
Table 22: Spanish Personal Accident and Health Insurance Direct Written Premium by Category (EUR Billion), 20152020
Table 23: Spanish Personal Accident Insurance Direct Written Premium (EUR Billion and US$ Billion), 20112015
Table 24: Spanish Personal Accident Insurance Direct Written Premium (EUR Billion and US$ Billion), 20152020
Table 25: Spanish Personal Accident Insurance Number of Policies Sold (Million), 20112015
Table 26: Spanish Personal Accident Insurance Number of Policies Sold (Million), 20152020
Table 27: Spanish Personal Accident Insurance Paid Claims (EUR Billion and US$ Billion), 20112015
Table 28: Spanish Personal Accident Insurance Paid Claims (EUR Billion and US$ Billion), 20152020
Table 29: Spanish Personal Accident Insurance Loss Ratio (%), 20112015
Table 30: Spanish Personal Accident Insurance Loss Ratio (%), 20152020
Table 31: Spanish Non-Life Health Insurance Direct Written Premium (EUR Billion), 20112015
Table 32: Spanish Non-Life Health Insurance Direct Written Premium (EUR Billion), 20152020
Table 33: Spanish Health Insurance Number of Policies Sold by Sub-Category (Million), 20112015
Table 34: Spanish Health Insurance Number of Policies Sold by Sub-Category (Million), 20152020
Table 35: Spanish Health Insurance Paid Claims (EUR Billion and US$ Billion), 20112015
Table 36: Spanish Health Insurance Paid Claims (EUR Billion and US$ Billion), 20152020
Table 37: Spanish Health Insurance Loss Ratio (%), 20112015
Table 38: Spanish Health Insurance Loss Ratio (%), 20152020
Table 39: Spanish Travel Insurance Direct Written Premium (EUR Million), 20112015
Table 40: Spanish Travel Insurance Direct Written Premium (EUR Million), 20152020
Table 41: Spanish Travel Insurance Number of Policies Sold (Million), 20112015
Table 42: Spanish Travel Insurance Number of Policies Sold (Million), 20152020
Table 43: Spanish Travel Insurance Paid Claims (EUR Million and US$ Million), 20112015
Table 44: Spanish Travel Insurance Paid Claims (EUR Million and US$ Million), 20152020
Table 45: Spanish Travel Insurance Loss Ratio (%), 20112015
Table 46: Spanish Travel Insurance Loss Ratio (%), 20152020
Table 47: Spanish Personal Accident and Health Insurance Direct Written Premium by Distribution Channel (EUR Billion), 20112015
Table 48: Spanish Personal Accident and Health Insurance Direct Written Premium by Distribution Channel (EUR Billion), 20152020
Table 49: Spanish Personal Accident and Health Insurance Percentage of Direct Written Premium, by Distribution Channel, 20112020
Table 50: Spanish Personal Accident and Health Insurance Market Shares of Leading Insurers (%), 2015
Table 51: Segurcaixa Adeslas Key Facts
Table 52: Sanitas Key Facts
Table 53: Asisa Key Facts
Table 54: IMQ Seguro Medico Key Facts
Table 55: DKV Seguros Medicos Key Facts
Table 56: Spain Insurance Regulatory Framework Key Features
Table 57: Spain Life Insurance Regulatory Framework
Table 58: Spain Property Insurance Regulatory Framework
Table 59: Spain Motor Insurance Regulatory Framework
Table 60: Spain Liability Insurance Regulatory Framework
Table 61: Spain Minimum Coverage for Aircraft Third-Party Liability per Accident Per Aircraft
Table 62: Spain Insurance Premium Taxation
Table 63: Spain Corporate Tax Rates for the Financial Year 2017
Table 64: Spanish Personal Accident and Health Insurance Industry Policies and Premium, 20112015
Table 65: Spanish Personal Accident and Health Insurance Industry Policies and Premium, 20152020
Table 66: Spanish Personal Accident and Health Insurance Claims and Expenses, 20112015
Table 67: Spanish Personal Accident and Health Insurance Claims and Expenses, 20152020
Table 68: Spanish Personal Accident and Health Insurance Assets and Investments, 20112015
Table 69: Spanish Personal Accident and Health Insurance Assets and Investments, 20152020
Table 70: Spanish Personal Accident and Health Insurance Direct Marketing and E-Commerce, 20112015
Table 71: Spanish Personal Accident and Health Insurance Direct Marketing and E-Commerce, 20152020
Table 72: Spanish Personal Accident and Health Insurance Insurance Brokers and Agencies, 20112015
Table 73: Spanish Personal Accident and Health Insurance Insurance Brokers and Agencies, 20152020
Table 74: Spanish Personal Accident and Health Insurance Bancassurance and Other Distribution Channels, 20112015
Table 75: Spanish Personal Accident and Health Insurance Bancassurance and Other Distribution Channels, 20152020
Table 76: Spanish Personal Accident and Health Insurance Personal Accident Insurance, 20112015
Table 77: Spanish Personal Accident and Health Insurance Personal Accident Insurance, 20152020
Table 78: Spanish Personal Accident and Health Insurance Health Insurance, 20112015
Table 79: Spanish Personal Accident and Health Insurance Health Insurance, 20152020
Table 80: Spanish Personal Accident and Health Insurance Non-life Health, 20112015
Table 81: Spanish Personal Accident and Health Insurance Non-life Health, 20152020
Table 82: Spanish Personal Accident and Health Insurance Travel Insurance, 20112015
Table 83: Spanish Personal Accident and Health Insurance Travel Insurance, 20152020
Table 84: Insurance Industry Definitions


List of Figures


Figure 1: Spanish Real GDP (EUR Trillion), 20112020
Figure 2: Spanish Consumer Price Inflation (%), 20112020
Figure 3: Spanish Current Account Balance as Percentage of GDP (%), 20112020
Figure 4: Spanish Unemployment Rate, 20112020
Figure 5: Spanish Population by Age Group, 19912025
Figure 6: Spanish Personal Accident Insurance Road Fatalities, 20112015
Figure 7: Spanish Road Accident Fatalities Regional Comparison (%), 2015
Figure 8: Spanish Personal Accident and Health Insurance Penetration Regional Comparison (%), 2015
Figure 9: Spanish Insurance Segment Direct Written Premium Shares Regional Comparison (%), 2015
Figure 10: Spanish Personal Accident and Health Insurance Gross Written Premium (EUR Billion), 20112020
Figure 11: Spanish Personal Accident and Health Insurance Penetration (%), 20112020
Figure 12: Spanish Personal Accident and Health Insurance Premium per Capita (EUR), 20112020
Figure 13: Spanish Personal Accident and Health Insurance Number of Policies Sold (Million), 20112020
Figure 14: Spanish Personal Accident and Health Insurance Paid Claims (EUR Billion), 20112020
Figure 15: Spanish Personal Accident and Health Insurance Profitability Ratio (%), 20112020
Figure 16: Spanish Personal Accident and Health Insurance Total Assets (EUR Billion), 20112020
Figure 17: Spanish Personal Accident and Health Insurance Total Investment Income (EUR Million), 20112020
Figure 18: Spanish Personal Accident and Health Insurance Investment Portfolio (EUR Billion), 20112020
Figure 19: Spanish Personal Accident and Health Insurance Investment Portfolio Dynamics by Category, 20112020
Figure 20: Spanish Personal Accident and Health Insurance Direct Written Premium by Category (EUR Billion), 20112020
Figure 21: Spanish Personal Accident and Health Insurance Direct Written Premium Dynamics by Category, 20112020
Figure 22: Spanish Personal Accident Insurance Direct Written Premium (EUR Billion), 20112020
Figure 23: Spanish Personal Accident Insurance Number of Policies Sold (Million), 20112020
Figure 24: Spanish Personal Accident Insurance Paid Claims (EUR Billion), 20112020
Figure 25: Spanish Personal Accident Insurance Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 20112020
Figure 26: Spanish Health Insurance Direct Written Premium by Sub-Category (EUR Billion), 20112020
Figure 27: Spanish Non-Life Health Insurance Number of Policies Sold (Million), 20112020
Figure 28: Spanish Health Insurance Paid Claims (EUR Billion), 20112020
Figure 29: Spanish Health Insurance Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 20112020
Figure 30: Spanish Travel Insurance Direct Written Premium (EUR Million), 20112020
Figure 31: Spanish Travel Insurance Number of Policies Sold (Million), 20112020
Figure 32: Spanish Travel Insurance Paid Claims (EUR Million), 20112020
Figure 33: Spanish Travel Insurance Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 20112020
Figure 34: Spanish Personal Accident and Health Insurance Direct Written Premium by Distribution Channel (%), 2011, 2015 and 2020
Figure 35: Spain The Three Pillars of Solvency II
Figure 36: Spain Insurance Supervision and Control at Various Levels
Figure 37: Spain Insurance Regulatory Frameworks for Company Registration and Operation


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