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

Published By :

Timetric

Published Date : Sep 2013

Category :

Health Insurance

No. of Pages : 234 Pages


Synopsis

The report provides in depth market analysis, information and insights into Chile\'s personal accident and health insurance segment, including:

  • Chile\'s 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 Chile\'s personal accident and health insurance segment
  • Detailed competitive landscape in the personal accident and health insurance segment in Chile
  • A description of the personal accident and health reinsurance segment in Chile
  • Porter\'s Five Forces Analysis of the personal accident and health insurance segment
  • Benchmarking section on Chile\'s personal accident and health insurance segment in comparison to other countries in Central and Latin America

Executive summary

The Chilean personal accident and health insurance segment recorded a growth in gross written premium during the review period (2008−2012). Such growth was driven by the country’s implementation of compulsory personal accident insurance and an increase in the volume of outbound tourists. The segment’s gross written premium increased from CLP226.5 billion (US$433.5 million) in 2008 to CLP400.1 billion (US$822.5 million) in 2012, at a CAGR of 15.3% and are expected to increase to CLP623.5 billion (US$1.2 billion) in 2017, at a CAGR of 9.3% over the forecast period (2012−2017). The number of personal accident and health insurance policies sold is anticipated to increase from 1.4 million in 2012 to 1.8 million in 2017, at a forecast-period CAGR of 5.2%. However, the segment accounted for the lowest share of written premiums in the industry in 2012. This was primarily due to the country’s public healthcare system that covers a sizeable proportion of the population and limits the scope for private health insurance companies to expand their business.

Scope

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

  • It provides historical values for Chile\'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 Chile\'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 Chile
  • Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Chile for the personal accident and health insurance segment
  • It provides a detailed analysis of the reinsurance segment in Chile and its growth prospects
  • It profiles the top personal accident and health insurance companies in Chile and outlines the key regulations affecting them

Reasons to buy

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

Key highlights

  • The personal accident and health segment is in the early stages of development and accounted for just 7.1% of the industry’s written premium in 2012.
  • The segment’s gross written premium increased to CLP400.1 billion (US$822.5 million) in 2012, growing at a CAGR of 15.3% during the review period.
  • Health insurance was the largest category and accounted for 66.4% of the segment’s written premiums in 2012, whereas the personal accident insurance category accounted for the second-largest share, with 33.4% of the segment’s written premium value.
  • The Chilean personal accident and health segment is concentrated and the ten leading companies accounted for 75.0% of the total 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 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
4.4.2 Bancassurance
4.4.3 Agencies

5 Chilean 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
6.1.4 Non-life health insurance
6.1.5 Life 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 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Regulations by Type of Insurance
8.2.1 Life insurance regulations
8.2.2 Property insurance regulations
8.2.3 Motor insurance regulations
8.2.4 Marine, aviation and transit insurance regulations
8.2.5 Personal accident and health insurance regulations
8.3 Compulsory Insurance
8.3.1 Insurance for motor vehicles accidents
8.3.2 Insurance for pension fund administrators to guarantee performance
8.3.3 Workmen’s compensation insurance
8.4 Supervision and Control
8.4.1 International Association of Insurance Supervisors
8.4.2 Association of Insurance Supervisors Latin America
8.4.3 Superintendent of Security Markets and Insurance Companies
8.4.4 Insurance Association of Chile
8.5 Non-Admitted Insurance Regulations
8.5.1 Overview
8.5.2 Intermediaries
8.5.3 Market practices
8.5.4 Fines and penalties
8.6 Company Registration and Operations
8.6.1 Types of insurance organization
8.6.2 Establishing a local company
8.6.3 Foreign ownership
8.6.4 Types of license
8.6.5 Capital requirements
8.6.6 Solvency margins
8.6.7 Reserve requirements
8.6.8 Investment regulations
8.6.9 Statutory return requirements
8.6.10 Fees structure
8.7 Taxation
8.7.1 Insurance premium or policy taxation
8.7.2 Corporate tax
8.7.3 VAT
8.7.4 Captives
8.8 Legal System
8.8.1 Introduction
8.8.2 Access to court
8.8.3 Alternative dispute resolution (ADR)

9 Porter’s Five Forces Analysis – Chilean Personal Accident and Health Insurance
9.1 Bargaining Power of Supplier: Low
9.2 Bargaining Power of Buyer: Medium
9.3 Barriers to Entry: Medium
9.4 Intensity of Rivalry: Medium to High
9.5 Threat of Substitutes: Low

10 Reinsurance Growth Dynamics and Challenges
10.1.1 Reinsurance segment size, 2008–2017
10.1.2 Reinsurance segment size by type of insurance, 2008–2017

11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in Chilean Personal Accident and Health Insurance Segment
11.3 MetLife Chile Seguros de Vida – Company Overview
11.3.1 MetLife Chile Seguros de Vida – key facts
11.4 EuroAmerica Seguros de Vida SA – Company Overview
11.4.1 EuroAmerica Seguros de Vida SA – key facts
11.5 BICE Vida Compañía de Seguros SA – Company Overview
11.5.1 BICE Vida Compañía de Seguros SA – key facts
11.6 BCI Seguros Generales SA – Company Overview
11.6.1 BCI Seguros Generales SA – key facts
11.7 Seguros Vida Security Prevision SA – Company Overview
11.7.1 Seguros Vida Security Prevision SA – key facts
11.8 Compañía de Seguros de Vida Cruz del Sur SA – Company Overview
11.8.1 Compañía de Seguros de Vida Cruz del Sur SA – key facts
11.9 Zurich Santander Seguros Chile SA – Company Overview
11.9.1 Zurich Santander Seguros Chile SA – key facts
11.1 Seguros de Vida Sura SA – Company Overview
11.10.1 Seguros de Vida Sura SA – key facts
11.11 Chilena Consolidada Seguros de Vida SA – Company Overview
11.11.1 Chilena Consolidada Seguros de Vida SA – key facts
11.12 Banchile Seguros de Vida SA – Company Overview
11.12.1 Banchile Seguros de Vida SA – key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Santiago Stock Exchange, Chile
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$)
12.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
12.2.12 Construction net output at current prices (US$)
12.2.13 Construction net output at current prices as a percentage of GDP
12.2.14 Exports as a percentage of GDP
12.2.15 Imports as a percentage of GDP
12.2.16 Exports growth
12.2.17 Imports growth
12.2.18 Annual average exchange rate CLP–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 Total population
12.5.3 Urban and rural populations
12.5.4 Median age of population
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

List of Table


Table 1: Insurance Industry Definitions
Table 2: Central and Latin America – Insurance Penetration as a Percentage of GDP (%), 2011
Table 3: Central and Latin America – Life Expectancy (Years), 2007, 2011 and 2016
Table 4: Chilean Insurance – Overall Written Premium by Segment (CLP Billion), 2008–2012
Table 5: Chilean Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012
Table 6: Chilean Insurance – Overall Written Premium by Segment (CLP Billion), 2012–2017
Table 7: Chilean Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017
Table 8: Chilean Insurance – Segmentation (% Share), 2008–2017
Table 9: Chilean Personal Accident and Health Insurance – Written Premium by Category (CLP Billion), 2008–2012
Table 10: Chilean Personal Accident and Health Insurance – Written Premium by Category (US$ Million), 2008–2012
Table 11: Chilean Personal Accident and Health Insurance – Written Premium by Category (CLP Billion), 2012–2017
Table 12: Chilean Personal Accident and Health Insurance – Written Premium by Category (US$ Million), 2012–2017
Table 13: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2008–2012
Table 14: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2012–2017
Table 15: Chilean Personal Accident and Health Insurance – Paid Claims by Category (CLP Billion), 2008–2012
Table 16: Chilean Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2008–2012
Table 17: Chilean Personal Accident and Health Insurance – Paid Claims by Category (CLP Billion), 2012–2017
Table 18: Chilean Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2012–2017
Table 19: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (CLP Billion), 2008–2012
Table 20: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2008–2012
Table 21: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (CLP Billion), 2012–2017
Table 22: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2012–2017
Table 23: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Table 24: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Table 25: Chilean Personal Accident and Health Insurance – Commissions and Expenses (CLP Billion), 2008–2012
Table 26: Chilean Personal Accident and Health Insurance – Commissions and Expenses (CLP Billion), 2012–2017
Table 27: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Table 28: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Table 29: Chilean Personal Accident and Health Insurance – Fraud and Crimes (CLP Billion), 2008–2012
Table 30: Chilean Personal Accident and Health Insurance – Fraud and Crimes (CLP Billion), 2012–2017
Table 31: Chilean Personal Accident and Health Insurance – Total Assets (CLP Billion), 2008–2012
Table 32: Chilean Personal Accident and Health Insurance – Total Assets (CLP Billion), 2012–2017
Table 33: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2008–2012
Table 34: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2012–2017
Table 35: Chilean Personal Accident and Health Insurance – Retentions (CLP Billion), 2008–2012
Table 36: Chilean Personal Accident and Health Insurance – Retentions (CLP Billion), 2012–2017
Table 37: Chilean Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 38: Chilean Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 39: Chilean Personal Accident Insurance – Written Premium (CLP Billion), 2008–2012
Table 40: Chilean Personal Accident Insurance – Written Premium (CLP Billion), 2012–2017
Table 41: Chilean Personal Accident Insurance – Loss Ratio (%), 2008–2012
Table 42: Chilean Personal Accident Insurance – Loss Ratio (%), 2012–2017
Table 43: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 44: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 45: Chilean Travel Insurance – Written Premium (CLP Billion), 2008–2012
Table 46: Chilean Travel Insurance – Written Premium (CLP Billion), 2012–2017
Table 47: Chilean Travel Insurance – Loss Ratio (%), 2008–2012
Table 48: Chilean Travel Insurance – Loss Ratio (%), 2012–2017
Table 49: Chilean Health Insurance – Written Premium by Sub-Category (CLP Billion), 2008–2012
Table 50: Chilean Health Insurance – Written Premium by Sub-Category (US$ Million), 2008–2012
Table 51: Chilean Health Insurance – Written Premium by Sub-Category (CLP Billion), 2012–2017
Table 52: Chilean Health Insurance – Written Premium by Sub-Category (US$ Million), 2012–2017
Table 53: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 54: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 55: Chilean Non-Life Health Insurance – Written Premium (CLP Billion), 2008–2012
Table 56: Chilean Non-Life Health Insurance – Written Premium (CLP Billion), 2012–2017
Table 57: Chilean Non-Life Health Insurance – Loss Ratio (%), 2008–2012
Table 58: Chilean Non-Life Health Insurance – Loss Ratio (%), 2012–2017
Table 59: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 60: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 61: Chilean Life Health Insurance – Written Premium (CLP Billion), 2008–2012
Table 62: Chilean Life Health Insurance – Written Premium (CLP Billion), 2012–2017
Table 63: Chilean Life Health Insurance – Loss Ratio (%), 2008–2012
Table 64: Chilean Life Health Insurance – Loss Ratio (%), 2012–2017
Table 65: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2008–2012
Table 66: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2012–2017
Table 67: Chilean Personal Accident and Health Insurance – Written Premium Through Direct Marketing (CLP Billion), 2008–2012
Table 68: Chilean Personal Accident and Health Insurance – Written Premium Through Direct Marketing (CLP Billion), 2012–2017
Table 69: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 70: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 71: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 72: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 73: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2008–2012
Table 74: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2012–2017
Table 75: Chilean Personal Accident and Health Insurance – Written Premium Through Bancassurance (CLP Billion), 2008–2012
Table 76: Chilean Personal Accident and Health Insurance – Written Premium Through Bancassurance (CLP Billion), 2012–2017
Table 77: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 78: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 79: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Table 80: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Table 81: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2008–2012
Table 82: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2012–2017
Table 83: Chilean Personal Accident and Health Insurance – Written Premium Through Agencies (CLP Billion), 2008–2012
Table 84: Chilean Personal Accident and Health Insurance – Written Premium Through Agencies (CLP Billion), 2012–2017
Table 85: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Table 86: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Table 87: Chilean Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Table 88: Chilean Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Table 89: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2008–2012
Table 90: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2012–2017
Table 91: Chilean Personal Accident and Health Insurance – Written Premium Through E-Commerce (CLP Billion), 2008–2012
Table 92: Chilean Personal Accident and Health Insurance – Written Premium Through E-Commerce (CLP Billion), 2012–2017
Table 93: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Table 94: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Table 95: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Table 96: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Table 97: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2008–2012
Table 98: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2012–2017
Table 99: Chilean Personal Accident and Health Insurance – Written Premium Through Brokers (CLP Billion), 2008–2012
Table 100: Chilean Personal Accident and Health Insurance – Written Premium Through Brokers (CLP Billion), 2012–2017
Table 101: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Table 102: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Table 103: Chilean Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Table 104: Chilean Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Table 105: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2008–2012
Table 106: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2012–2017
Table 107: Chilean Personal Accident and Health Insurance – Written Premium Through Other Channels (CLP Billion), 2008–2012
Table 108: Chilean Personal Accident and Health Insurance – Written Premium Through Other Channels (CLP Billion), 2012–2017
Table 109: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Table 110: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Table 111: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Table 112: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Table 113: Chile – Life Insurance Regulatory Framework
Table 114: Chile – Property Insurance Regulatory Framework
Table 115: Chile – Motor Insurance Regulatory Framework
Table 116: Chile – Factors Used for Solvency Margin Calculation
Table 117: Chile – Corporate Tax Rates for the Financial Year 2013
Table 118: Reinsurance in Chile by Category (CLP Billion), 2008–2012
Table 119: Reinsurance in Chile by Category (US$ Million), 2008–2012
Table 120: Reinsurance in Chile by Category (CLP Billion), 2012–2017
Table 121: Reinsurance in Chile by Category (US$ Million), 2012–2017
Table 122: Chilean Premium Ceded to Reinsurance by Type of Insurance (CLP Billion), 2008–2012
Table 123: Chilean Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008–2012
Table 124: Chilean Premium Ceded to Reinsurance by Type of Insurance (CLP Billion), 2012–2017
Table 125: Chilean Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012–2017
Table 126: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 127: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 128: Number of Insurance Providers in Chile, 2008–2011
Table 129: Shares of Key Insurers in the Chilean Personal Accident and Health Insurance Segment (%), 2012
Table 130: MetLife Chile Seguros de Vida, Key Facts
Table 131: EuroAmerica Seguros de Vida SA, Key Facts
Table 132: BICE Vida Compañía de Seguros SA, Key Facts
Table 133: BCI Seguros Generales SA, Key Facts
Table 134: Seguros Vida Security Prevision SA , Key Facts
Table 135: Compañía de Seguros de Vida Cruz del Sur SA, Key Facts
Table 136: Zurich Santander Seguros Chile SA, Key Facts
Table 137: Seguros de Vida Sura SA, Key Facts
Table 138: Chilena Consolidada Seguros de Vida SA, Key Facts
Table 139: Banchile Seguros de Vida SA, Key Facts

List of Chart


Figure 1: Central and Latin America – A Snapshot of the Economies and Populations, 2011
Figure 2: Central and Latin America – Growth Trends in the Insurance Industry
Figure 3: Central and Latin America – Total Industry Values by Segment (US$ Billion), 2011
Figure 4: Central and Latin American Personal Accident and Health Insurance – Growth Trends
Figure 5: Central and Latin American Personal Accident and Health Insurance – Gross Written Premiums (US$ Billion), 2011
Figure 6: Central and Latin American Personal Accident and Health Insurance – Premiums Per Capita (US$), 2011
Figure 7: Central and Latin American Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 8: Central and Latin American Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 9: Central and Latin American Personal Accident and Health Insurance – Gross Written Premium Per Capita Growth (%), 2007–2016
Figure 10: Central and Latin American Personal Accident and Health Insurance – Loss Ratios (%), 2011 and 2016
Figure 11: Central and Latin American Personal Accident and Health Insurance – Incurred Losses Per Capita (US$), 2011 and 2016
Figure 12: Central and Latin American Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 13: Central and Latin American Direct Marketing – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 14: Central and Latin American Bancassurance – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 15: Central and Latin American Agencies – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 16: Chilean Insurance – Overall Written Premium by Segment (CLP Billion), 2008–2017
Figure 17: Chilean Insurance – Dynamics by Segment (%), 2008–2017
Figure 18: Chilean Personal Accident and Health Insurance – Written Premium by Category (CLP Billion), 2008–2017
Figure 19: Chilean Personal Accident and Health Insurance – Written Premium by Category (Percentage Share), 2012 and 2017
Figure 20: Chilean Personal Accident and Health Insurance – Dynamics by Category, 2008–2017
Figure 21: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2008–2012
Figure 22: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2012–2017
Figure 23: Chilean Personal Accident and Health Insurance – Paid Claims by Category (CLP Billion), 2008–2017
Figure 24: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (CLP Billion), 2008–2017
Figure 25: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 26: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 27: Chilean Personal Accident and Health Insurance – Commissions and Expenses (CLP Billion), 2008–2012
Figure 28: Chilean Personal Accident and Health Insurance – Commissions and Expenses (CLP Billion), 2012–2017
Figure 29: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 30: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 31: Chilean Personal Accident and Health Insurance – Fraud and Crimes (CLP Billion), 2008–2012
Figure 32: Chilean Personal Accident and Health Insurance – Fraud and Crimes (CLP Billion), 2012–2017
Figure 33: Chilean Personal Accident and Health Insurance – Total Assets (CLP Billion), 2008–2012
Figure 34: Chilean Personal Accident and Health Insurance – Total Assets (CLP Billion), 2012–2017
Figure 35: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2008–2012
Figure 36: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2012–2017
Figure 37: Chilean Personal Accident and Health Insurance – Retentions (CLP Billion), 2008–2012
Figure 38: Chilean Personal Accident and Health Insurance – Retentions (CLP Billion), 2012–2017
Figure 39: Chilean Personal Accident and Health Insurance – Investment Portfolio (CLP Billion), 2008–2012
Figure 40: Chilean Personal Accident and Health Insurance – Investment Portfolio (Percentage Share), 2008 and 2012
Figure 41: Chilean Personal Accident and Health Insurance – Penetration (%), 2008–2012
Figure 42: Chilean Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 43: Chilean Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 44: Chilean Personal Accident and Health Insurance – Premium Per Capita (CLP), 2008–2012
Figure 45: Chilean Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 46: Chilean Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 47: Chilean Personal Accident Insurance – Written Premium (CLP Billion), 2008–2012
Figure 48: Chilean Personal Accident Insurance – Written Premium (CLP Billion), 2012–2017
Figure 49: Chilean Personal Accident Insurance – Loss Ratio (%), 2008–2012
Figure 50: Chilean Personal Accident Insurance – Loss Ratio (%), 2012–2017
Figure 51: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 52: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 53: Chilean Travel Insurance – Written Premium (CLP Billion), 2008–2012
Figure 54: Chilean Travel Insurance – Written Premium (CLP Billion), 2012–2017
Figure 55: Chilean Travel Insurance – Loss Ratio (%), 2008–2012
Figure 56: Chilean Travel Insurance – Loss Ratio (%), 2012–2017
Figure 57: Chilean Health Insurance – Written Premium by Sub-Category (CLP Billion), 2008–2017
Figure 58: Chilean Health Insurance – Dynamics by Sub-Category, 2008–2017
Figure 59: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 60: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 61: Chilean Non-Life Health Insurance – Written Premium (CLP Billion), 2008–2012
Figure 62: Chilean Non-Life Health Insurance – Written Premium (CLP Billion), 2012–2017
Figure 63: Chilean Non-Life Health Insurance – Loss Ratio (%), 2008–2012
Figure 64: Chilean Non-Life Health Insurance – Loss Ratio (%), 2012–2017
Figure 65: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 66: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 67: Chilean Life Health Insurance – Written Premium (CLP Billion), 2008–2012
Figure 68: Chilean Life Health Insurance – Written Premium (CLP Billion), 2012–2017
Figure 69: Chilean Life Health Insurance – Loss Ratio (%), 2008–2012
Figure 70: Chilean Life Health Insurance – Loss Ratio (%), 2012–2017
Figure 71: Chilean Personal Accident and Health Insurance – Written Premium by Distribution Channel (Percentage Share), 2012 and 2017
Figure 72: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2008–2012
Figure 73: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2012–2017
Figure 74: Chilean Personal Accident and Health Insurance – Written Premium Through Direct Marketing (CLP Billion), 2008–2012
Figure 75: Chilean Personal Accident and Health Insurance – Written Premium Through Direct Marketing (CLP Billion), 2012–2017
Figure 76: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Figure 77: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Figure 78: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Figure 79: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Figure 80: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2008–2012
Figure 81: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2012–2017
Figure 82: Chilean Personal Accident and Health Insurance – Written Premium Through Bancassurance (CLP Billion), 2008–2012
Figure 83: Chilean Personal Accident and Health Insurance – Written Premium Through Bancassurance (CLP Billion), 2012–2017
Figure 84: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Figure 85: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Figure 86: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Figure 87: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Figure 88: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2008–2012
Figure 89: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2012–2017
Figure 90: Chilean Personal Accident and Health Insurance – Written Premium Through Agencies (CLP Billion), 2008–2012
Figure 91: Chilean Personal Accident and Health Insurance – Written Premium Through Agencies (CLP Billion), 2012–2017
Figure 92: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Figure 93: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Figure 94: Chilean Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Figure 95: Chilean Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Figure 96: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2008–2012
Figure 97: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2012–2017
Figure 98: Chilean Personal Accident and Health Insurance – Written Premium Through E-Commerce (CLP Billion), 2008–2012
Figure 99: Chilean Personal Accident and Health Insurance – Written Premium Through E-Commerce (CLP Billion), 2012–2017
Figure 100: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Figure 101: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Figure 102: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Figure 103: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Figure 104: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2008–2012
Figure 105: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2012–2017
Figure 106: Chilean Personal Accident and Health Insurance – Written Premium Through Brokers (CLP Billion), 2008–2012
Figure 107: Chilean Personal Accident and Health Insurance – Written Premium Through Brokers (CLP Billion), 2012–2017
Figure 108: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Figure 109: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Figure 110: Chilean Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Figure 111: Chilean Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Figure 112: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2008–2012
Figure 113: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2012–2017
Figure 114: Chilean Personal Accident and Health Insurance – Written Premium Through Other Channels (CLP Billion), 2008–2012
Figure 115: Chilean Personal Accident and Health Insurance – Written Premium Through Other Channels (CLP Billion), 2012–2017
Figure 116: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Figure 117: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Figure 118: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Figure 119: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Figure 120: Chile – Insurance Regulatory Framework
Figure 121: Chile – Insurance Supervision and Control at Various Levels
Figure 122: Chile – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 123: Chilean Personal Accident and Health Insurance Segment: Five Forces Analysis
Figure 124: Chilean Premium Ceded to Reinsurance by Category (CLP Billion), 2008–2017
Figure 125: Chilean Premium Ceded to Reinsurance by Category (% Share), 2012 and 2017
Figure 126: Chilean Reinsurance – Dynamics by Category (%), 2008–2017
Figure 127: Chilean Premium Ceded to Reinsurance by Type of Insurance (CLP Billion), 2008–2017
Figure 128: Chilean Reinsurance – Dynamics by Type of Insurance (%), 2008–2017
Figure 129: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 130: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 131: Shares of Key Insurers in the Chilean Personal Accident and Health Insurance Segment (%), 2012
Figure 132: Chilean Stock Exchange Market Capitalization (US$ Billion), 2008–2012
Figure 133: Chilean GDP at Constant Prices (US$ Billion), 2008–2012
Figure 134: Chilean GDP Per Capita at Constant Prices (US$), 2008–2012
Figure 135: Chilean GDP at Current Prices (US$ Billion), 2008–2012
Figure 136: Chilean GDP Per Capita at Current Prices (US$), 2008–2012
Figure 137: Chilean GDP by Key Segments (%) 2007 and 2011
Figure 138: Chilean Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 139: Chilean Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 140: Chilean Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 141: Chilean Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 142: Chilean Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 143: Chilean Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 144: Chilean Construction Net Output at Current Prices (US$ Billion), 2007–2011
Figure 145: Chilean Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 146: Chilean Exports as a Percentage of GDP (%), 2007–2011
Figure 147: Chilean Imports as a Percentage of GDP (%), 2007–2011
Figure 148: Chilean Exports Growth (%), 2008–2011
Figure 149: Chilean Imports Growth (%), 2008–2011
Figure 150: Chilean Annual Average Exchange Rate (US$–CLP), 2008–2012
Figure 151: Chilean Commercial Vehicle Exports – Total Value (US$ Million), 2007–2011
Figure 152: Chilean Commercial Vehicle Imports – Total Value (US$ Million), 2007–2011
Figure 153: Chilean Automotive Exports – Total Value (US$ Million), 2007–2011
Figure 154: Chilean Automotive Imports – Total Value (US$ Million), 2007–2011
Figure 155: Chilean Internet Subscriptions (Million), 2007–2011
Figure 156: Size of the Chilean Labor Force in the 15–59 Age Group (Million), 2007–2011
Figure 157: Chilean Unemployment Rate (%), 2007–2011
Figure 158: Chilean Gross National Disposable Income (US$ Billion), 2007–2011
Figure 159: Chilean Total Population (Million), 2008–2012
Figure 160: Chilean Urban and Rural Populations (%), 2008–2012
Figure 161: Chilean Median Age of Population (Years), 2008–2012
Figure 162: Chilean Population Distribution by Age (%), 2008–2012

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