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

Published By :

Timetric

Published Date : Aug 2013

Category :

Health Insurance

No. of Pages : 228 Pages


Synopsis

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

  • The German personal accident and health insurance segment’s growth prospects by personal accident and health insurance categories
  • The various distribution channels in the German personal accident and health insurance segment
  • The competitive landscape in the personal accident and health insurance segment
  • A description of the personal accident and health reinsurance segment in Germany

Executive summary

The personal accident and health insurance segment accounted for the lowest of the German insurance industry’s written premiums in 2012, making it the smallest segment in the industry. During the review period (2008–2012), the main growth drivers were the country’s rising healthcare expenditure, an increase in GDP and the flexibility to purchase private health insurance. Health insurance was the largest category in the segment in 2012, and the German healthcare system includes both public and private healthcare services. Although the government provides mandatory health insurance, the German private health insurance category registered growth in terms of new business during 2011−2012.

Scope

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

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

Reasons to buy

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

Key highlights

  • The personal accident and health insurance segment is the smallest insurance segment in Germany in written premium terms. In 2012, the segment accounted for 23.3% of the industry’s total written premium value
  • The German health insurance category accounted for 83.6% of the segment’s written premiums, followed by the personal accident category which accounted for 15.5% and the travel insurance category which made up the remaining 0.9%
  • Germany’s changing demographics and inflation in medical costs increased the cost of healthcare significantly during the review period
  • The segment is highly fragmented and the leading companies include Allianz, Axa, Central DBV and DKV Deutsche
  • During the review period, an increasing number of outbound tourists supported the growth of travel-related insurance in Germany
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
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 German Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends and Drivers

6 Personal Accident and Health Insurance Segment Outlook
6.1 Personal Accident and Health Insurance Growth Prospects by Category
6.1.1 Personal accident insurance
6.1.2 Travel insurance
6.1.3 Health insurance

7 Analysis by Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-Commerce
7.5 Brokers
7.6 Other Channels

8 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 insurance regulations
8.3 Compulsory Insurance
8.3.1 Motor third-party liability insurance
8.3.2 Workmen’s compensation insurance
8.4 Supervision and Control
8.4.1 International Association of Insurance Supervisors
8.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
8.4.3 Federal Financial Supervisory Authority (BaFin)
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 Fee 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 – German Personal Accident and Health Insurance
9.1 Bargaining Power of Supplier: Low
9.2 Bargaining Power of Buyer: Medium to High
9.3 Barriers to Entry: Low
9.4 Intensity of Rivalry: Medium to High
9.5 Threat of Substitutes: Low

10 Reinsurance Growth Dynamics and Challenges
10.1 Reinsurance Segment Size, 2008–2017
10.2 Reinsurance Segment Size by Type of Insurance, 2008–2017

11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 AOK- Die Gesundheitskasse – Company Overview
11.2.1 AOK- Die Gesundheitskasse – key facts
11.3 Allianz Versicherungs-AG – Company Overview
11.3.1 Allianz Versicherungs-AG – key facts
11.4 Axa Krankenversicherung AG – Company Overview
11.4.1 Axa Krankenversicherung AG – key facts
11.5 Ergo Versicherung AG – Company Overview
11.5.1 Ergo Direct Insurance Ltd – key facts
11.6 R+V Allgemeine Versicherung AG – Company Overview
11.6.1 R+V Allgemeine Versicherung AG – key facts
11.7 Wuerttembergische Lebensversicherung AG – Company Overview
11.7.1 Wuerttembergische Lebensversicherung AG – key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Frankfurt Stock Exchange, Germany
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, fishing net output at current prices (EUR)
12.2.7 Agriculture, hunting, forestry, fishing net output at current prices (US$)
12.2.8 Agriculture net output at current prices as a percentage of GDP
12.2.9 Manufacturing net output at current prices (EUR)
12.2.10 Manufacturing net output at current prices (US$)
12.2.11 Manufacturing net output at current prices as a percentage of GDP
12.2.12 Mining, manufacturing and utilities net output at current prices (EUR)
12.2.13 Mining, manufacturing and utilities at current prices (US$)
12.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP
12.2.15 Construction net output at current prices (EUR)
12.2.16 Construction net output at current prices, (US$)
12.2.17 Construction net output at current prices as a percentage of GDP
12.2.18 Inflation rate
12.2.19 Exports as a percentage of GDP
12.2.20 Imports as a percentage of GDP
12.2.21 Exports growth
12.2.22 Imports growth
12.2.23 Annual average exchange rate EUR–US$
12.3 Infrastructure Quality and Availability
12.3.1 Commercial vehicles exports total value
12.3.2 Commercial vehicles 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 Us
13.3 About Timetric
13.4 Disclaimer

List of Table


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

List of Chart


Figure 1: Leading Global Insurance Markets – Economies and Populations, 2011
Figure 2: Leading Global Insurance Markets – Growth Trends in the Insurance Industry (%), 2007–2016
Figure 3: Leading Global Insurance Markets – Total Industry Values by Segment (US$ Billion), 2011
Figure 4: Leading Global Insurance Markets – Personal Accident and Health Insurance – Growth Trends (%), 2007–2016
Figure 5: Leading Global Insurance Markets – Personal Accident and Health Insurance – Gross Written Premiums (US$ Billion), 2007–2016
Figure 6: Leading Global Insurance Markets – Personal Accident and Health Insurance – Premiums Per Capita (US$), 2007–2016
Figure 7: Leading Global Insurance Markets – Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 8: Leading Global Insurance Markets – Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 9: Leading Global Insurance Markets – Personal Accident and Health Insurance – Gross Written Premium Capita Growth (%), 2007–2016
Figure 10: Leading Global Insurance Markets – Personal Accident and Health Insurance – Loss Ratios (%), 2011 and 2016
Figure 11: Leading Global Insurance Markets – Personal Accident and Health Insurance – Incurred Losses Per Capita (US$), 2011 and 2016
Figure 12: Leading Global Insurance Markets – Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 13: Leading Global Insurance Markets – Direct Marketing – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 14: Leading Global Insurance Markets – Bancassurance – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016.
Figure 15: Leading Global Insurance Markets – Agencies – Share of Personal Accident and Health insurance Gross Written Premium (%), 2007–2016
Figure 16: German Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2017
Figure 17: German Insurance – Dynamics by Segment, 2008–2017
Figure 18: German Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2008–2017
Figure 19: German Personal Accident and Health Insurance – Written Premium by Category (Percentage Share), 2012 and 2017
Figure 20: German Personal Accident and Health Insurance – Dynamics by Category, 2008–2017
Figure 21: German Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2008–2012
Figure 22: German Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2012–2017
Figure 23: German Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2008–2017
Figure 24: German Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2008–2017
Figure 25: German Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 26: German Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 27: German Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2008–2012
Figure 28: German Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2012–2017
Figure 29: German Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 30: German Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 31: German Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2008–2012
Figure 32: German Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2012–2017
Figure 33: German Personal Accident and Health Insurance – Total Assets (EUR Billion), 2008–2012
Figure 34: German Personal Accident and Health Insurance – Total Assets (EUR Billion), 2012–2017
Figure 35: German Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2008–2012
Figure 36: German Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2012–2017
Figure 37: German Personal Accident and Health Insurance – Retentions (EUR Billion), 2008–2012
Figure 38: German Personal Accident and Health Insurance – Retentions (EUR Billion), 2012–2017
Figure 39: German Personal Accident and Health Insurance – Investment Portfolio (EUR Billion), 2008–2012
Figure 40: German Personal Accident and Health Insurance – Investment Portfolio (Percentage Share), 2008 and 2012
Figure 41: German Personal Accident and Health Insurance Penetration (% of GDP), 2008–2012
Figure 42: German Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 43: German Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 44: German Personal Accident and Health Insurance – Premium Per Capita (EUR), 2008–2012
Figure 45: German Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 46: German Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 47: German Personal Accident Insurance – Written Premium (EUR Billion), 2008–2012
Figure 48: German Personal Accident Insurance – Written Premium (EUR Billion), 2012–2017
Figure 49: German Personal Accident Insurance – Loss Ratio (%), 2008–2012
Figure 50: German Personal Accident Insurance – Loss Ratio (%), 2012–2017
Figure 51: German Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 52: German Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 53: German Travel Insurance – Written Premium (EUR Billion), 2008–2012
Figure 54: German Travel Insurance – Written Premium (EUR Billion), 2012–2017
Figure 55: German Travel Insurance – Loss Ratio (%), 2008–2012
Figure 56: German Travel Insurance – Loss Ratio (%), 2012–2017
Figure 57: German Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 58: German Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 59: German Health Insurance – Written Premium (EUR Billion), 2008–2012
Figure 60: German Health Insurance – Written Premium (EUR Billion), 2012–2017
Figure 61: German Health Insurance – Loss Ratio (%), 2008–2012
Figure 62: German Health Insurance – Loss Ratio (%), 2012–2017
Figure 63: German Personal Accident and Health Insurance – Written Premium by Distribution Channel (Percentage Share), 2012 and 2017
Figure 64: German Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2008–2012
Figure 65: German Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2012–2017
Figure 66: German Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2008–2012
Figure 67: German Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2012–2017
Figure 68: German Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Figure 69: German Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Figure 70: German Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Figure 71: German Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Figure 72: German Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2008–2012
Figure 73: German Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2012–2017
Figure 74: German Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2008–2012
Figure 75: German Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2012–2017
Figure 76: German Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Figure 77: German Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Figure 78: German Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Figure 79: German Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Figure 80: German Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2008–2012
Figure 81: German Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2012–2017
Figure 82: German Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2008–2012
Figure 83: German Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2012–2017
Figure 84: German Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Figure 85: German Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Figure 86: German Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Figure 87: German Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Figure 88: German Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2008–2012
Figure 89: German Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2012–2017
Figure 90: German Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2008–2012
Figure 91: German Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2012–2017
Figure 92: German Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Figure 93: German Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Figure 94: German Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Figure 95: German Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Figure 96: German Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2008–2012
Figure 97: German Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2012–2017
Figure 98: German Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2008–2012
Figure 99: German Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2012–2017
Figure 100: German Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Figure 101: German Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Figure 102: German Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Figure 103: German Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Figure 104: German Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2008–2012
Figure 105: German Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2012–2017
Figure 106: German Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2008–2012
Figure 107: German Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2012–2017
Figure 108: German Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Figure 109: German Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Figure 110: German Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Figure 111: German Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Figure 112: Germany – Insurance Regulatory Framework
Figure 113: Germany – The Three Pillars of Solvency II
Figure 114: Germany – Insurance Supervision and Control at Various Levels
Figure 115: Germany – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 116: German Personal Accident and Health Insurance – Five Forces Analysis
Figure 117: German Premium Ceded to Reinsurance by Category (EUR Billion), 2008–2017
Figure 118: German Premium Ceded to Reinsurance by Category (% Share), 2012 and 2017
Figure 119: German Reinsurance – Dynamics by Category, 2008–2017
Figure 120: German Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2017
Figure 121: German Reinsurance – Dynamics by Type of Insurance, 2008–2017
Figure 122: German Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 123: German Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 124: Number of Insurance Companies in German Personal Accident and Health Insurance Segment, 2008-2011
Figure 125: German Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 126: German GDP at Constant Prices (US$ Billion), 2007–2011
Figure 127: German GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 128: German GDP at Current Prices (US$ Billion), 2007–2011
Figure 129: German GDP Per Capita at Current Prices (US$), 2007–2011
Figure 130: German GDP by Key Segments (%) 2009 and 2011
Figure 131: German Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices (EUR Billion), 2007–2011
Figure 132: German Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices (US$ Billion), 2007–2011
Figure 133: German Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices as a Percentage of GDP (%), 2007–2011
Figure 134: German Manufacturing Net Output at Current Prices (EUR Billion), 2007–2011
Figure 135: German Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 136: German Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 137: German Mining, Manufacturing and Utilities Net Output at Current Prices (EUR Billion), 2007–2011
Figure 138: German Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 139: German Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2007–2011
Figure 140: German Construction Net Output at Current Prices (EUR Billion), 2007–2011
Figure 141: German Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 142: German Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 143: German Inflation Rate (%), 2007–2011
Figure 144: German Exports as a Percentage of GDP (%), 2007–2011
Figure 145: German Imports as a Percentage of GDP (%), 2007–2011
Figure 146: German Exports Growth (%), 2007–2011
Figure 147: German Imports Growth (%), 2007–2011
Figure 148: German Annual Average Exchange Rate US$–EUR, 2007–2011
Figure 149: German Commercial Vehicles Exports Total Value (US$ Million), 2007–2011
Figure 150: German Commercial Vehicles Imports Total Value (US$ Million), 2007–2011
Figure 151: German Automotive Exports Total Value (US$ Million), 2007–2011
Figure 152: German Automotive Imports Total Value (US$ Million), 2007–2011
Figure 153: German Internet Subscriptions (Millions), 2007–2011
Figure 154: German Size of Labor Force in 15–59 Age Group (Million), 2007–2011
Figure 155: German Unemployment Rate (%), 2007–2011
Figure 156: German Gross National Disposable Income (US$ Billion), 2007–2011
Figure 157: German Total Population (Million), 2007–2011
Figure 158: German Urban and Rural Populations (%), 2007–2011
Figure 159: German Median Age of Population (Year), 2007–2011
Figure 160: German Population Distribution by Age (%), 2007–2011

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