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

Published By :

Timetric

Published Date : Jun 2013

Category :

Health Insurance

No. of Pages : 206 Pages


Synopsis

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

  • The Estonian personal accident and health insurance market’s growth prospects by insurance categories
  • Key trends and drivers for the personal accident and health insurance segment
  • The various distribution channels in the Estonian personal accident and health insurance segment
  • Detailed competitive landscape in the personal accident and health insurance segment in Estonia
  • A description of the personal accident and health reinsurance segment in Estonia
  • Porter\'s Five Forces Analysis of the personal accident and health insurance segment

Executive summary

The Estonian personal accident and health segment accounted for the lowest share of the three main insurance segments. In 2012, it accounted for 5.7% of the Estonian insurance industry in terms of gross written premium. Health insurance is compulsory in Estonia and, for the working population, it is paid by employers.

Scope

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

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

Reasons to buy

  • Make strategic business decisions using historic and forecast market data related to the Estonian personal accident and health insurance market and each sector within it
  • Understand the demand-side dynamics, key market trends and growth opportunities within the Estonian 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 Estonian insurance market and its impact on companies and the market\'s future

Key highlights

  • The Estonian personal accident and health segment accounted for the lowest share of the three main insurance segments
  • A rise in the total number of air passengers supported the growth of travel insurance during the review period, and will continue to do so
  • The health insurance category led the Estonian personal accident and health segment with a 44.5% share in 2012, and registered a CAGR of 20.2% during the review period
  • Personal accident insurance accounted for the third-largest share of the Estonian personal accident and health segment during the review period
  • The insurance industry in Estonia is dominated by foreign-owned operators, with a strong presence of companies from the Nordic region
Table of contents

1 Executive Summary

2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology

3 Estonian Insurance Industry Attractiveness
3.1 Estonian Insurance Industry Size, 2008–2017
3.2 Key Industry Trends and Drivers

4 Personal Accident and Health Insurance Outlook
4.1 Personal Accident and Health Insurance Growth Prospects
4.1.1 Personal accident
4.1.2 Travel insurance
4.1.3 Health insurance
4.1.4 Non-life health insurance
4.1.5 Life health insurance

5 Analysis by Distribution Channels
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
5.4 E-Commerce
5.5 Brokers
5.6 Other Channels

6 Governance, Risk and Compliance
6.1 Legislation Overview and Historical Evolution
6.2 Regulations by Type of Insurance
6.2.1 Life insurance regulations
6.2.2 Property insurance regulations
6.2.3 Motor insurance regulations
6.2.4 Marine, aviation and transit insurance regulations
6.2.5 Personal accident and health insurance regulatory trends
6.3 Compulsory Insurance
6.3.1 Motor third-party liability insurance
6.3.2 Social security system
6.4 Supervision and Control
6.4.1 International Association of Insurance Supervisors (IAIS)
6.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
6.4.3 Financial Supervision Authority
6.5 Non-Admitted Insurance Regulations
6.5.1 Overview
6.5.2 Intermediaries
6.5.3 Market practices
6.5.4 Fines and penalties
6.6 Company Registration and Operations
6.6.1 Types of insurance organization
6.6.2 Establishing a local company
6.6.3 Foreign ownership
6.6.4 Types of license
6.6.5 Capital requirements
6.6.6 Solvency margins
6.6.7 Reserve requirements
6.6.8 Investment regulations
6.6.9 Statutory return requirements
6.6.10 Fee structure
6.7 Taxation
6.7.1 Insurance premium or policy taxation
6.7.2 Corporate tax
6.7.3 VAT
6.7.4 Captives
6.8 Legal System
6.8.1 Introduction
6.8.2 Access to court
6.8.3 Alternative dispute resolution (ADR)

7 Porter’s Five Forces Analysis
7.1 Bargaining Power of Suppliers: Low
7.2 Bargaining Power of Buyers: Medium
7.3 Barriers to Entry: Medium
7.4 Intensity of Rivalry: Medium to High
7.5 Threat of Substitutes: Low

8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance Segment Size, 2008–2017
8.2 Reinsurance Segment Size by Insurance Segment, 2008–2017

9 Leading Companies
9.1 Mandatum Life Insurance Baltic SE – Company Overview
9.1.1 Mandatum Life Insurance Baltic SE – key facts
9.1.2 Mandatum Life Insurance Baltic SE – key financials
9.2 If P&C Insurance AS – Company Overview
9.2.1 If P&C Insurance AS – key facts
9.2.2 If P&C Insurance AS – key financials
9.3 Seesam Insurance AS – Company Overview
9.3.1 Seesam Insurance AS – key facts
9.3.2 Seesam Insurance AS – key financials

10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Market capitalization trend – Tallinn Stock Exchange, Estonia
10.2 Economic Performance
10.2.1 GDP at constant prices (US$)
10.2.2 GDP per capita at constant prices (US$)
10.2.3 GDP at current prices (US$)
10.2.4 GDP per capita at current prices (US$)
10.2.5 GDP by key segments
10.2.6 Agriculture, hunting, forestry, fishing net output at current prices (EUR)
10.2.7 Agriculture, hunting, forestry, fishing net output at current prices (US$)
10.2.8 Agriculture, hunting, forestry, fishing net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (EUR)
10.2.10 Manufacturing net output at current prices (US$)
10.2.11 Manufacturing net output at current prices as a percentage of GDP
10.2.12 Mining, manufacturing and utilities net output at current prices (EUR)
10.2.13 Mining, manufacturing and utilities at current prices (US$)
10.2.14 Mining, manufacturing and utilities at current prices as a percentage of GDP
10.2.15 Construction net output at current prices (EUR)
10.2.16 Construction net output at current prices (US$)
10.2.17 Construction net output at current prices as a percentage of GDP
10.2.18 Inflation rate
10.2.19 Exports as a percentage of GDP
10.2.20 Imports as a percentage of GDP
10.2.21 Exports growth
10.2.22 Imports growth
10.2.23 Annual average exchange rate EUR–US$
10.3 Infrastructure Quality and Availability
10.3.1 Commercial vehicles exports total value
10.3.2 Commercial vehicles imports total value
10.3.3 Automotive exports total value
10.3.4 Automotive imports total value
10.3.5 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Gross national disposable income (US$)
10.5.2 Total population
10.5.3 Urban and rural population
10.5.4 Age distribution of the total population

11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer

List of Table


Table 1: Insurance Industry Definitions
Table 2: Estonian Insurance – Overall Written Premium by Segment (EUR Million), 2008–2012
Table 3: Estonian Insurance – Overall Written Premium by Segment (US$ Million), 2008–2012
Table 4: Estonian Insurance – Overall Written Premium by Segment (EUR Million), 2012–2017
Table 5: Estonian Insurance – Overall Written Premium by Segment (US$ Million), 2012–2017
Table 6: Estonian Insurance – Segmentation (% Share), 2008–2017
Table 7: Estonian Personal Accident and Health Insurance – Written Premium (EUR Million), 2008–2012
Table 8: Estonian Personal Accident and Health Insurance – Written Premium (US$ Million), 2008–2012
Table 9: Estonian Personal Accident and Health Insurance – Written Premium (EUR Million), 2012–2017
Table 10: Estonian Personal Accident and Health Insurance – Written Premium (US$ Million), 2012–2017
Table 11: Estonian Personal Accident and Health Insurance – Earned Premium (EUR Million), 2008–2012
Table 12: Estonian Personal Accident and Health Insurance – Earned Premium (EUR Million), 2012–2017
Table 13: Estonian Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2008–2012
Table 14: Estonian Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2008–2012
Table 15: Estonian Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2012–2017
Table 16: Estonian Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2012–2017
Table 17: Estonian Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2008–2012
Table 18: Estonian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2008–2012
Table 19: Estonian Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2012–2017
Table 20: Estonian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2012–2017
Table 21: Estonian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Table 22: Estonian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Table 23: Estonian Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2008–2012
Table 24: Estonian Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2012–2017
Table 25: Estonian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Table 26: Estonian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Table 27: Estonian Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2008–2012
Table 28: Estonian Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2012–2017
Table 29: Estonian Personal Accident and Health Insurance – Total Assets (EUR Million), 2008–2012
Table 30: Estonian Personal Accident and Health Insurance – Total Assets (EUR Million), 2012–2017
Table 31: Estonian Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2008–2012
Table 32: Estonian Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2012–2017
Table 33: Estonian Personal Accident and Health Insurance – Retentions (EUR Million), 2008–2012
Table 34: Estonian Personal Accident and Health Insurance – Retentions (EUR Million), 2012–2017
Table 35: Estonian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 36: Estonian Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 37: Estonian Personal Accident Insurance – Written Premium (EUR Million), 2008–2012
Table 38: Estonian Personal Accident Insurance – Written Premium (EUR Million), 2012–2017
Table 39: Estonian Personal Accident Insurance – Loss Ratio (%), 2008–2012
Table 40: Estonian Personal Accident Insurance – Loss Ratio (%), 2012–2017
Table 41: Estonian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 42: Estonian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 43: Estonian Travel Insurance – Written Premium (EUR Million), 2008–2012
Table 44: Estonian Travel Insurance – Written Premium (EUR Million), 2012–2017
Table 45: Estonian Travel Insurance – Loss Ratio (%), 2008–2012
Table 46: Estonian Travel Insurance – Loss Ratio (%), 2012–2017
Table 47: Estonian Health Insurance – Written Premium (EUR Million), 2008–2012
Table 48: Estonian Health Insurance – Written Premium (US$ Million), 2008–2012
Table 49: Estonian Health Insurance – Written Premium (EUR Million), 2012–2017
Table 50: Estonian Health Insurance – Written Premium (US$ Million), 2012–2017
Table 51: Estonian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 52: Estonian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 53: Estonian Non-Life Health Insurance – Written Premium (EUR Million), 2008–2012
Table 54: Estonian Non-Life Health Insurance – Written Premium (EUR Million), 2012–2017
Table 55: Estonian Non-Life Health Insurance – Loss Ratio (%), 2008–2012
Table 56: Estonian Non-Life Health Insurance – Loss Ratio (%), 2012–2017
Table 57: Estonian Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 58: Estonian Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 59: Estonian Life Health Insurance – Written Premium (EUR Million), 2008–2012
Table 60: Estonian Life Health Insurance – Written Premium (EUR Million), 2012–2017
Table 61: Estonian Life Health Insurance – Loss Ratio (%), 2008–2012
Table 62: Estonian Life Health Insurance – Loss Ratio (%), 2012–2017
Table 63: Estonian Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2008–2012
Table 64: Estonian Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2012–2017
Table 65: Estonian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Million), 2008–2012
Table 66: Estonian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Million), 2012–2017
Table 67: Estonian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 68: Estonian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 69: Estonian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 70: Estonian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 71: Estonian Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2008–2012
Table 72: Estonian Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2012–2017
Table 73: Estonian Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Million), 2008–2012
Table 74: Estonian Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Million), 2012–2017
Table 75: Estonian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 76: Estonian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 77: Estonian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Table 78: Estonian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Table 79: Estonian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2008–2012
Table 80: Estonian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2012–2017
Table 81: Estonian Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Million), 2008–2012
Table 82: Estonian Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Million), 2012–2017
Table 83: Estonian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Table 84: Estonian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Table 85: Estonian Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Table 86: Estonian Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Table 87: Estonian Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2008–2012
Table 88: Estonian Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2012–2017
Table 89: Estonian Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Million), 2008–2012
Table 90: Estonian Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Million), 2012–2017
Table 91: Estonian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Table 92: Estonian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Table 93: Estonian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Table 94: Estonian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Table 95: Estonian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2008–2012
Table 96: Estonian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2012–2017
Table 97: Estonian Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Million), 2008–2012
Table 98: Estonian Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Million), 2012–2017
Table 99: Estonian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Table 100: Estonian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Table 101: Estonian Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Table 102: Estonian Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Table 103: Estonian Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2008–2012
Table 104: Estonian Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2012–2017
Table 105: Estonian Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Million), 2008–2012
Table 106: Estonian Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Million), 2012–2017
Table 107: Estonian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Table 108: Estonian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Table 109: Estonian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Table 110: Estonian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Table 111: Estonia – Life Insurance Regulatory Framework
Table 112: Estonia – Property Insurance Regulatory Framework
Table 113: Estonia – Motor Insurance Regulatory Framework
Table 114: Estonia – Minimum Capital Requirements
Table 115: Estonia – Corporate Tax Rates for the Financial Year 2013
Table 116: Estonian Reinsurance by Category (EUR Million), 2008–2012
Table 117: Estonian Reinsurance by Category (US$ Million), 2008–2012
Table 118: Estonian Reinsurance by Category (EUR Million), 2012–2017
Table 119: Estonian Reinsurance by Category (US$ Million), 2012–2017
Table 120: Estonian Premium Ceded to Reinsurance by Insurance Segment (EUR Million), 2008–2012
Table 121: Estonian Premium Ceded to Reinsurance by Insurance Segment (US$ Million), 2008–2012
Table 122: Estonian Premium Ceded to Reinsurance by Insurance Segment (EUR Million), 2012–2017
Table 123: Estonian Premium Ceded to Reinsurance by Insurance Segment (US$ Million), 2012–2017
Table 124: Estonian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 125: Estonian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 136: Mandatum Life Insurance Baltic SE, Key Facts
Table 137: Mandatum Life Insurance Baltic SE, Key Financials (EUR Million), 2008–2012
Table 136: If P&C Insurance AS, Key Facts
Table 137: If P&C Insurance AS, Key Financials (EUR Million), 2008–2012
Table 136: Seesam Insurance AS, Key Facts
Table 137: Seesam Insurance AS, Key Financials (EUR Million), 2008–2012

List of Chart


Figure 1: Estonian Insurance – Overall Written Premium by Segment (EUR Million), 2008–2017
Figure 2: Estonian Insurance – Dynamics by Segment (%), 2008–2017
Figure 3: Estonian Personal Accident and Health Insurance – Written Premium (EUR Million), 2008–2017
Figure 4: Estonian Personal Accident and Health Insurance – Written Premium (% Share), 2012 and 2017
Figure 5: Estonian Personal Accident and Health Insurance – Dynamics (%), 2008–2017
Figure 6: Estonian Personal Accident and Health Insurance – Earned Premium (EUR Million), 2008–2012
Figure 7: Estonian Personal Accident and Health Insurance – Earned Premium (EUR Million), 2012–2017
Figure 8: Estonian Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2008–2017
Figure 9: Estonian Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2008–2017
Figure 10: Estonian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 11: Estonian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 12: Estonian Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2008–2012
Figure 13: Estonian Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2012–2017
Figure 14: Estonian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 15: Estonian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 16: Estonian Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2008–2012
Figure 17: Estonian Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2012–2017
Figure 18: Estonian Personal Accident and Health Insurance – Total Assets (EUR Million), 2008–2012
Figure 19: Estonian Personal Accident and Health Insurance – Total Assets (EUR Million), 2012–2017
Figure 20: Estonian Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2008–2012
Figure 21: Estonian Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2012–2017
Figure 22: Estonian Personal Accident and Health Insurance – Retentions (EUR Million), 2008–2012
Figure 23: Estonian Personal Accident and Health Insurance – Retentions (EUR Million), 2012–2017
Figure 24: Estonian Personal Accident and Health Insurance – Investment Portfolio (EUR Million), 2008–2012
Figure 25: Estonian Personal Accident and Health Insurance – Investment Portfolio (% Share), 2008 and 2012
Figure 26: Estonian Personal Accident and Health Insurance – Penetration (%), 2008–2012
Figure 27: Estonian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 28: Estonian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 29: Estonian Personal Accident and Health Insurance – Premium per Capita (EUR), 2008–2012
Figure 30: Estonian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 31: Estonian Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 32: Estonian Personal Accident Insurance – Written Premium (EUR Million), 2008–2012
Figure 33: Estonian Personal Accident Insurance – Written Premium (EUR Million), 2012–2017
Figure 34: Estonian Personal Accident Insurance – Loss Ratio (%), 2008–2012
Figure 35: Estonian Personal Accident Insurance – Loss Ratio (%), 2012–2017
Figure 36: Estonian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 37: Estonian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 38: Estonian Travel Insurance – Written Premium (EUR Million), 2008–2012
Figure 39: Estonian Travel Insurance – Written Premium (EUR Million), 2012–2017
Figure 40: Estonian Travel Insurance – Loss Ratio (%), 2008–2012
Figure 41: Estonian Travel Insurance – Loss Ratio (%), 2012–2017
Figure 42: Estonian Health Insurance – Written Premium (EUR Million), 2008–2017
Figure 43: Estonian Health Insurance – Dynamics (%), 2008–2017
Figure 44: Estonian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 45: Estonian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 46: Estonian Non-Life Health Insurance – Written Premium (EUR Million), 2008–2012
Figure 47: Estonian Non-Life Health Insurance – Written Premium (EUR Million), 2012–2017
Figure 48: Estonian Non-Life Health Insurance – Loss Ratio (%), 2008–2012
Figure 49: Estonian Non-Life Health Insurance – Loss Ratio (%), 2012–2017
Figure 50: Estonian Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 51: Estonian Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 52: Estonian Life Health Insurance – Written Premium (EUR Million), 2008–2012
Figure 53: Estonian Life Health Insurance – Written Premium (EUR Million), 2012–2017
Figure 54: Estonian Life Health Insurance – Loss Ratio (%), 2008–2012
Figure 55: Estonian Life Health Insurance – Loss Ratio (%), 2012–2017
Figure 56: Estonian Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 57: Estonian Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2008–2012
Figure 58: Estonian Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2012–2017
Figure 59: Estonian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Million), 2008–2012
Figure 60: Estonian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Million), 2012–2017
Figure 61: Estonian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Figure 62: Estonian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Figure 63: Estonian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Figure 64: Estonian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Figure 65: Estonian Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2008–2012
Figure 66: Estonian Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2012–2017
Figure 67: Estonian Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Million), 2008–2012
Figure 68: Estonian Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Million), 2012–2017
Figure 69: Estonian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Figure 70: Estonian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Figure 71: Estonian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Figure 72: Estonian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Figure 73: Estonian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2008–2012
Figure 74: Estonian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2012–2017
Figure 75: Estonian Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Million), 2008–2012
Figure 76: Estonian Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Million), 2012–2017
Figure 77: Estonian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Figure 78: Estonian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Figure 79: Estonian Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Figure 80: Estonian Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Figure 81: Estonian Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2008–2012
Figure 82: Estonian Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2012–2017
Figure 83: Estonian Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Million), 2008–2012
Figure 84: Estonian Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Million), 2012–2017
Figure 85: Estonian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Figure 86: Estonian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Figure 87: Estonian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Figure 88: Estonian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Figure 89: Estonian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2008–2012
Figure 90: Estonian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2012–2017
Figure 91: Estonian Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Million), 2008–2012
Figure 92: Estonian Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Million), 2012–2017
Figure 93: Estonian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Figure 94: Estonian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Figure 95: Estonian Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Figure 96: Estonian Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Figure 97: Estonian Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2008–2012
Figure 98: Estonian Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2012–2017
Figure 99: Estonian Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Million), 2008–2012
Figure 100: Estonian Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Million), 2012–2017
Figure 101: Estonian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Figure 102: Estonian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Figure 103: Estonian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Figure 104: Estonian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Figure 105: Estonia – Insurance Regulatory Framework
Figure 106: Estonia – Insurance Supervision and Control at Various Levels
Figure 107: Estonia – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 108: Estonian Personal Accident and Health Insurance Segment – Five Forces Analysis
Figure 109: Estonian Premium Ceded to Reinsurance by Category (EUR Million), 2008–2017
Figure 110: Estonian Premium Ceded to Reinsurance by Category (% Share), 2012 and 2017
Figure 111: Estonian Reinsurance Dynamics by Category (%), 2008–2017
Figure 112: Estonian Premium Ceded to Reinsurance by Insurance Segment (EUR Million), 2008–2017
Figure 113: Estonian Reinsurance – Dynamics by Insurance Segment (%), 2008–2017
Figure 114: Estonian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 115: Estonian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 116: Estonian Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 117: Estonian GDP at Constant Prices (US$ Billion), 2007–2011
Figure 118: Estonian GDP per Capita at Constant Prices (US$), 2007–2011
Figure 119: Estonian GDP at Current Prices (US$ Billion), 2007–2011
Figure 120: Estonian GDP Per Capita at Current Prices (US$), 2007–2011
Figure 121: Estonian GDP by Key Segments (%) 2009 and 2011
Figure 122: Estonian Agriculture, Hunting, Forestry, Fishing Net Output at Current Prices (EUR Billion), 2007–2011
Figure 123: Estonian Agriculture, Hunting, Forestry, Fishing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 124: Estonian Agriculture, Hunting, Forestry, Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 125: Estonian Manufacturing Net Output at Current Prices (EUR Billion), 2007–2011
Figure 126: Estonian Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 127: Estonian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 128: Estonian Mining, Manufacturing and Utilities Net Output at Current Prices (EUR Billion), 2007–2011
Figure 129: Estonian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 130: Estonian Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 131: Estonian Construction Net Output at Current Prices (EUR Billion), 2007–2011
Figure 132: Estonian Construction Net Output at Current Prices (US$ Billion), 2007–2011
Figure 133: Estonian Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 134: Estonian Inflation Rate (%), 2007–2011
Figure 135: Estonian Exports as a Percentage of GDP (%), 2007–2011
Figure 136: Estonian Imports as a Percentage of GDP (%), 2007–2011
Figure 137: Estonian Exports Growth (%), 2007–2011
Figure 138: Estonian Imports Growth (%), 2007–2011
Figure 139: Estonian Annual Average Exchange Rate US$–EUR, 2007–2011
Figure 140: Estonian Commercial Vehicles Exports Total Value (US$ Billion), 2007–2011
Figure 141: Estonian Commercial Vehicles Imports Total Value (US$ Billion), 2007–2011
Figure 142: Estonian Automotive Exports Total Value (US$ Billion), 2007–2011
Figure 143: Estonian Automotive Imports Total Value (US$ Billion), 2007–2011
Figure 144: Estonian Internet Subscriptions (Million), 2007–2011
Figure 145: Estonian Size of Labor Force in 15–59 Age Group (Million), 2007–2011
Figure 146: Estonian Unemployment Rate (%), 2007–2011
Figure 147: Estonian Gross National Disposable Income (US$ Billion), 2007–2011
Figure 148: Estonian Total Population (Million), 2007–2011
Figure 149: Estonian Urban and Rural Population (%), 2007–2011
Figure 150: Estonian Population Distribution by Age (%), 2007–2011

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