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Personal Accident and Health Insurance in Finland, Key Trends and Opportunities to 2018

Published By :

Timetric

Published Date : Jan 2015

Category :

Health Insurance

No. of Pages : 217 Pages

Synopsis

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

  • The Finnish personal accident and health insurance segment’s growth prospects by insurance category
  • Key trends, drivers and challenges for the personal accident and health insurance segment
  • The various distribution channels in the Finnish personal accident and health insurance segment
  • The detailed competitive landscape in the personal accident and health insurance segment in Finland
  • Detailed regulatory policies of the Finnish insurance industry
  • Analysis of various consumer segments in Finnish personal accident and health insurance
  • Key developments in the Finnish personal accident and health insurance segment
  • New products launched by Finnish personal accident and health insurers


Executive summary

Personal accident and health insurance accounted for 2.0% of the Finnish insurance industry’s gross written premium in 2013, making it the smallest segment in the industry. Increases in the health and personal accident categories supported the segment’s growth during the review period (2009–2013). The segment’s gross written premium registered a compound annual growth rate (CAGR) of 10.3% during the review period. Health insurance accounted for the highest share with 61.5% of the segment’s gross written premium in 2013. Although the government provides mandatory health insurance for all Finns, private health insurance registered a review-period CAGR of 10.3%, mainly due to the better quality of healthcare generally provided by private companies.

Scope

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

  • It provides historical values for the Finnish personal accident and health insurance segment for the report’s 2009–2013 review period, and projected figures for the 2013–2018 forecast period.
  • It offers a detailed analysis of the key categories in the Finnish personal accident and health insurance segment, along with market forecasts until 2018.
  • 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 Finland.
  • It profiles the top personal accident and health insurance companies in Finland and outlines the key regulations affecting them.

Reasons to buy

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

Key highlights

  • The segment accounted for the lowest share of the insurance industry’s gross written premium in 2013, with just 2.0%.
  • Health insurance dominated the personal accident and health segment with a 61.5% share in 2013.
  • Personal accident and health insurance penetration increased from 0.18% in 2009 to 0.23% in 2013.
  • The personal accident and health segment is highly consolidated and dominated by domestic operators.
  • Leading personal accident and health insurers are extending their product portfolios to offer better services.

1 Key Facts and Events

2 Executive Summary

3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology

4 Finnish Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009–2018

5 Personal Accident and Health Insurance Segment Outlook
5.1 Consumer Segmentation
5.2 Key Drivers
5.3 Key Trends
5.4 Challenges
5.5 Personal Accident and Health Insurance Growth Prospects by Category
5.5.1 Personal accident insurance
5.5.2 Travel insurance
5.5.3 Health insurance

6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-Commerce
6.5 Brokers
6.6 Other Channels

7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Regulations by Type of Insurance
7.2.1 Life insurance regulations
7.2.2 Property insurance regulations
7.2.3 Motor insurance regulations
7.2.4 Marine, aviation and transit insurance regulations
7.2.5 Personal accident and health insurance regulations
7.3 Compulsory Insurance
7.3.1 Motor third-party liability insurance
7.3.2 Workers’ compensation insurance
7.3.3 Air carriers and aircraft operators insurance
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 European Insurance and Occupational Pension Authority (EIOPA)
7.4.3 Financial Supervisory Authority (FSA)
7.5 Non-Admitted Insurance Regulations
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Withholding tax on insurance premium paid overseas
7.7.3 Corporate tax
7.7.4 VAT
7.7.5 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)

8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in Finnish Personal Accident and Health Insurance Segment
8.3 Leading Personal accident and health Insurers – New Product Launches
8.4 Leading Personal accident and health Insurers – Key Developments
8.5 Pohjola Insurance Ltd – Company Overview
8.5.1 Pohjola Insurance Ltd – key facts
8.6 If P&C Insurance Company Ltd – Company Overview
8.6.1 If P&C Insurance Company Ltd – key facts
8.7 LocalTapiola General Mutual Insurance Company – Company Overview
8.7.1 LocalTapiola General Mutual Insurance Company – key facts
8.8 Eurooppalainen Insurance Company Ltd – Company Overview
8.8.1 Eurooppalainen Insurance Company Ltd – key facts
8.9 Fennia Mutual Insurance Company – Company Overview
8.9.1 Fennia Mutual Insurance Company – key facts
8.10 Pohjantähti Mutual Insurance Company – Company Overview
8.10.1 Pohjantähti Mutual Insurance Company – key facts
8.11 Turva Mutual Insurance Company – Company Overview
8.11.1 Turva Mutual Insurance Company – key facts
8.12 Folksam Non-Life Insurance Company Ltd – Company Overview
8.12.1 Folksam Non-Life Insurance Company Ltd – key facts
8.13 Försäkringsaktiebolaget Alandia – Company Overview
8.13.1 Försäkringsaktiebolaget Alandia – key facts
8.14 Local Insurance Mutual Company – Company Overview
8.14.1 Local Insurance Mutual Company – key facts

9 Appendix – 1
9.1 Business Confidence
9.1.1 Market capitalization trend – Helsinki Stock Exchange (HSE), Finland
9.2 Economic Performance
9.2.1 GDP at constant prices (US$)
9.2.2 GDP per capita at constant prices (US$)
9.2.3 GDP at current prices (US$)
9.2.4 GDP per capita at current prices (US$)
9.2.5 GDP by key sector
9.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
9.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
9.2.8 Manufacturing net output at current prices (US$)
9.2.9 Manufacturing net output at current prices as a percentage of GDP
9.2.10 Mining, manufacturing and utilities at current prices (US$)
9.2.11 Mining, manufacturing and utilities at current prices as percentage of GDP
9.2.12 Construction net output at current prices (US$)
9.2.13 Construction net output at current prices as a percentage of GDP
9.2.14 Inflation rate
9.2.15 Exports as a percentage of GDP
9.2.16 Imports as a percentage of GDP
9.2.17 Merchandise exports growth
9.2.18 Merchandise imports growth
9.2.19 Annual average exchange rate US$-EUR
9.3 Infrastructure
9.3.1 Commercial vehicle exports – total value
9.3.2 Commercial vehicle imports – total value
9.3.3 Automotive exports – total value
9.3.4 Automotive imports – total value
9.3.5 Total internet subscribers
9.4 Labor Force
9.4.1 Labor force
9.4.2 Unemployment rate
9.5 Demographics
9.5.1 Household consumption expenditure (US$)
9.5.2 Total population
9.5.3 Urban and rural populations
9.5.4 Age distribution of the total population
9.5.5 Life expectancy

10 Appendix – 2
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric’s Services
10.5 Disclaimer

List of Table

Table 1: Finnish Personal Accident and Heath Insurance – Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Finnish Insurance – Gross Written Premium by Segment (EUR Billion), 2009–2013
Table 4: Finnish Insurance – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 5: Finnish Insurance – Gross Written Premium by Segment (EUR Billion), 2013–2018
Table 6: Finnish Insurance – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 7: Finnish Insurance – Segmentation, Gross Written Premium (% Share), 2009–2018
Table 8: Finnish Insurance – Direct Written Premium by Segment (EUR Billion), 2009–2013
Table 9: Finnish Insurance – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 10: Finnish Insurance – Direct Written Premium by Segment (EUR Billion), 2013–2018
Table 11: Finnish Insurance – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 12: Finnish Insurance – Segmentation, Direct Written Premium (% Share), 2009–2018
Table 13: Finnish Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Million), 2009–2013
Table 14: Finnish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2009–2013
Table 15: Finnish Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Million), 2013–2018
Table 16: Finnish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2013–2018
Table 17: Finnish Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Million), 2009–2013
Table 18: Finnish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2009–2013
Table 19: Finnish Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Million), 2013–2018
Table 20: Finnish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2013–2018
Table 21: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Million), 2009–2013
Table 22: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Million), 2013–2018
Table 23: Finnish Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2009–2013
Table 24: Finnish Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2009–2013
Table 25: Finnish Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2013–2018
Table 26: Finnish Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2013–2018
Table 27: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2009–2013
Table 28: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2009–2013
Table 29: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2013–2018
Table 30: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2013–2018
Table 31: Finnish Personal Accident and Health Insurance – Retention by Category (EUR Million), 2009–2013
Table 32: Finnish Personal Accident and Health Insurance – Retention by Category (US$ Million), 2009–2013
Table 33: Finnish Personal Accident and Health Insurance – Retention by Category (EUR Million), 2013–2018
Table 34: Finnish Personal Accident and Health Insurance – Retention by Category (US$ Million), 2013–2018
Table 35: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2009–2013
Table 38: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2013–2018
Table 39: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Finnish Personal Accident and Health Insurance – Fraud and Crimes (EUR Million), 2009–2013
Table 42: Finnish Personal Accident and Health Insurance – Fraud and Crimes (EUR Million), 2013–2018
Table 43: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Table 44: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Table 45: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2009–2013
Table 46: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2013–2018
Table 47: Finnish Personal Accident and Health Insurance – Retentions (EUR Million), 2009–2013
Table 48: Finnish Personal Accident and Health Insurance – Retentions (EUR Million), 2013–2018
Table 49: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 50: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 51: Finnish Personal Accident Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 52: Finnish Personal Accident Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 53: Finnish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Finnish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 56: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 57: Finnish Travel Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 58: Finnish Travel Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 59: Finnish Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Finnish Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Finnish Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 62: Finnish Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 63: Finnish Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 64: Finnish Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 65: Finnish Health Insurance – Direct Written Premium (EUR Million), 2009–2013
Table 66: Finnish Health Insurance – Direct Written Premium (EUR Million), 2013–2018
Table 67: Finnish Health Insurance – Loss Ratio (%), 2009–2013
Table 68: Finnish Health Insurance – Loss Ratio (%), 2013–2018
Table 69: Finnish Health Insurance – Retention (EUR Million), 2009–2013
Table 70: Finnish Health Insurance – Retention (EUR Million), 2013–2018
Table 71: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Table 72: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Table 73: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Million), 2009–2013
Table 74: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Million), 2013–2018
Table 75: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 76: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 77: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 78: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 79: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Table 80: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Table 81: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (EUR Million), 2009–2013
Table 82: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (EUR Million), 2013–2018
Table 83: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 84: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 85: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 86: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 87: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2009–2013
Table 88: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2013–2018
Table 89: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Million), 2009–2013
Table 90: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Million), 2013–2018
Table 91: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 92: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 93: Finnish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 94: Finnish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 95: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2009–2013
Table 96: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2013–2018
Table 97: Finnish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (EUR Million), 2009–2013
Table 98: Finnish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (EUR Million), 2013–2018
Table 99: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 100: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 101: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Table 102: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Table 103: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2009–2013
Table 104: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2013–2018
Table 105: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Million), 2009–2013
Table 106: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Million), 2013–2018
Table 107: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Table 108: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Table 109: Finnish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 110: Finnish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 111: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2009–2013
Table 112: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2013–2018
Table 113: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2009–2013
Table 114: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2013–2018
Table 115: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 116: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 117: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 118: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 119: Finland – Life Insurance Regulatory Framework
Table 120: Finland – Property Insurance Regulatory Framework
Table 121: Finland – Motor Insurance Regulatory Framework
Table 122: Finland – Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft
Table 123: Finland – Minimum Capital Requirements
Table 124: Finland – Insurance Premium Taxation
Table 125: Finland – Corporate Tax Rates for the Financial Year 2013
Table 126: Finnish Personal Accident and Health Insurance – Market Shares (%), 2013
Table 127: Pohjola Insurance Ltd, Key Facts
Table 128: If P&C Insurance Company Ltd, Key Facts
Table 129: LocalTapiola General Mutual Insurance Company, Key Facts
Table 130: Eurooppalainen Insurance Company Ltd, Key Facts
Table 131: Fennia Mutual Insurance Company, Key Facts
Table 132: Pohjantähti Mutual Insurance Company, Key Facts
Table 133: Turva Mutual Insurance Company, Key Facts
Table 134: Folksam Non-Life Insurance Company Ltd, Key Facts
Table 135: Försäkringsaktiebolaget Alandia, Key Facts
Table 136: Local Insurance Mutual Company, Key Facts

List of Chart

Figure 1: Finnish Insurance – Gross Written Premium by Segment (EUR Billion), 2009–2018
Figure 2: Finnish Insurance – Dynamics by Segment, Gross Written Premium (2009–2018)
Figure 3: Finnish Insurance – Direct Written Premium by Segment (EUR Billion), 2009–2018
Figure 4: Finnish Insurance – Dynamics by Segment, Direct Written premium (2009–2018)
Figure 5: Finnish Gross Written Premium and Health Expenditure, 2008−2012
Figure 6: Finnish Distribution of Employment by Sector (%), 2010–2012
Figure 7: Finnish Population Distribution by Gender and Age Group
Figure 8: Finnish Rural and Urban Populations (%) and Outbound Tourism (Million), 2009–2013
Figure 9: Finnish Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Million), 2009–2018
Figure 10: Finnish Personal Accident and Health Insurance – Gross Written Premium by Category (% Share), 2013 and 2018
Figure 11: Finnish Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 12: Finnish Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Million), 2009–2018
Figure 13: Finnish Personal Accident and Health Insurance – Direct Written Premium by Category (% Share), 2013 and 2018
Figure 14: Finnish Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 15: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Million), 2009–2013
Figure 16: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Million), 2013–2018
Figure 17: Finnish Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2009–2018
Figure 18: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2009–2018
Figure 19: Finnish Personal Accident and Health Insurance – Retention by Category (EUR Million), 2009–2018
Figure 20: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 21: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 22: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2009–2013
Figure 23: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2013–2018
Figure 24: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 25: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 26: Finnish Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2009–2013
Figure 27: Finnish Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2013–2018
Figure 28: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Figure 29: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Figure 30: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2009–2013
Figure 31: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2013–2018
Figure 32: Finnish Personal Accident and Health Insurance – Retentions (EUR Million), 2009–2013
Figure 33: Finnish Personal Accident and Health Insurance – Retentions (EUR Million), 2013–2018
Figure 34: Finnish Personal Accident and Health Insurance – Investment Portfolio (EUR Million), 2009–2013
Figure 35: Finnish Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013
Figure 36: Finnish Personal Accident and Health Insurance Penetration (% of GDP), 2009–2013
Figure 37: Finnish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 38: Finnish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 39: Finnish Personal Accident and Health Insurance – Premium Per Capita (EUR), 2009–2013
Figure 40: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 41: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 42: Finnish Personal Accident Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 43: Finnish Personal Accident Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 44: Finnish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 45: Finnish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 46: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 47: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 48: Finnish Travel Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 49: Finnish Travel Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 50: Finnish Travel Insurance – Loss Ratio (%), 2009–2013
Figure 51: Finnish Travel Insurance – Loss Ratio (%), 2013–2018
Figure 52: Finnish Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 53: Finnish Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 54: Finnish Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 55: Finnish Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 56: Finnish Health Insurance – Direct Written Premium (EUR Million), 2009–2013
Figure 57: Finnish Health Insurance – Direct Written Premium (EUR Million), 2013–2018
Figure 58: Finnish Health Insurance – Loss Ratio (%), 2009–2013
Figure 59: Finnish Health Insurance – Loss Ratio (%), 2013–2018
Figure 60: Finnish Health Insurance – Retention (EUR Million), 2009–2013
Figure 61: Finnish Health Insurance – Retention (EUR Million), 2013–2018
Figure 62: Finnish Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2013 and 2018
Figure 63: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Figure 64: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Figure 65: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Million), 2009–2013
Figure 66: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Million), 2013–2018
Figure 67: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 68: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 69: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 70: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 71: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Figure 72: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Figure 73: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (EUR Million), 2009–2013
Figure 74: Finnish Personal Accident and Health Insurance – Gross Written Premium New Through Bancassurance (EUR Million), 2013–2018
Figure 75: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 76: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 77: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 78: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 79: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2009–2013
Figure 80: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2013–2018
Figure 81: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Million), 2009–2013
Figure 82: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Million), 2013–2018
Figure 83: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 84: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 85: Finnish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 86: Finnish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 87: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2009–2013
Figure 88: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2013–2018
Figure 89: Finnish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (EUR Million), 2009–2013
Figure 90: Finnish Personal Accident and Health Insurance – Gross Written Premium New Through E-Commerce (EUR Million), 2013–2018
Figure 91: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Figure 92: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Figure 93: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Figure 94: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Figure 95: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2009–2013
Figure 96: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2013–2018
Figure 97: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Million), 2009–2013
Figure 98: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Million), 2013–2018
Figure 99: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Figure 100: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Figure 101: Finnish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 102: Finnish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 103: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2009–2013
Figure 104: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2013–2018
Figure 105: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2009–2013
Figure 106: Finnish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2013–2018
Figure 107: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 108: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 109: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 110: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 111: Finland – Insurance Regulatory Framework
Figure 112: Finland – The Three Pillars of Solvency II
Figure 113: Finland – Insurance Supervision and Control at Various Levels
Figure 114: Finland – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 115: Finnish Personal Accident and Health Insurance – Segment Shares (%), 2013
Figure 116: Finland, Helsinki Stock Exchange (HSE) Market Capitalization (US$ Billion), 2008–2012
Figure 117: Finnish GDP at Constant Prices (US$ Billion), 2009–2013
Figure 118: Finnish GDP Per Capita at Constant Prices (US$), 2009–2013
Figure 119: Finnish GDP at Current Prices (US$ Billion), 2009–2013
Figure 120: Finnish GDP Per Capita at Current Prices (US$), 2009–2013
Figure 121: Finnish GDP by Key Sector (%) 2008 and 2012
Figure 122: Finnish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 123: Finnish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 124: Finnish Manufacturing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 125: Finnish Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 126: Finnish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008–2012
Figure 127: Finnish Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 128: Finnish Construction Net Output at Current Prices (US$ Billion), 2008 – 2012
Figure 129: Finnish Construction Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 130: Finnish Inflation Rate (%), 2009–2013
Figure 131: Finnish Exports as a Percentage of GDP (%), 2008–2012
Figure 132: Finnish Imports as a Percentage of GDP (%), 2008–2012
Figure 133: Finnish Merchandise Exports Growth (%), 2009–2012
Figure 134: Finnish Merchandise Imports Growth (%), 2009–2012
Figure 135: Finnish Annual Average Exchange Rate US$–EUR, 2009–2013
Figure 136: Finnish Commercial Vehicle Exports – Total Value (US$ Million), 2009–2013
Figure 137: Finnish Commercial Vehicle Imports – Total Value (US$ Million), 2009–2013
Figure 138: Finnish Automotive Exports – Total Value (US$ Million), 2009–2013
Figure 139: Finnish Automotive Imports – Total Value (US$ Billion), 2009–2013
Figure 140: Finnish Internet Subscriptions (Million), 2009–2013
Figure 141: Finnish Size of Labor Force (Million), 2008–2012
Figure 142: Finnish Unemployment Rate (%), 2009–2013
Figure 143: Finnish Household Consumption Expenditure (US$ Billion), 2009–2013
Figure 144: Finnish Total Population (Million), 2009–2013
Figure 145: Finnish Urban and Rural Populations (%), 2009–2013
Figure 146: Finnish Population Distribution by Age (%), 2009–2013
Figure 147: Finnish Life Expectancy (Number of Years), 2009–2013

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