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Personal Accident and Health Insurance in Lithuania, Key Trends and Opportunities to 2019

Published By :

Timetric

Published Date : Apr 2016

Category :

Health Insurance

No. of Pages : 149 Pages

Synopsis
Timetrics 'Personal Accident and Health Insurance in Lithuania, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers, challenges in the Lithuanian personal accident and health insurance segment.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (20102014) and forecast period (20142019).

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

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

Summary
Timetrics 'Personal Accident and Health Insurance in Lithuania, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the Lithuanian personal accident and health insurance segment, including:

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

Key trends, drivers and challenges for the personal accident and health insurance segment

A comprehensive overview of the Lithuanian economy and demographics

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

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

Details of regulatory policy applicable to the Lithuanian insurance industry

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

It provides historical values for the Lithuanian personal accident and health insurance segment for the reports 20102014 review period, and projected figures for the 20142019 forecast period.

It offers a detailed analysis of the key categories in the Lithuanian personal accident and health insurance segment, and market forecasts to 2019.

It profiles the top personal accident and health insurance companies in Lithuania, and outlines the key regulations affecting them.

Reasons To Buy
Make strategic business decisions using in-depth historic and forecast market data related to the Lithuanian personal accident and health insurance segment, and each category within it.

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

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

Identify growth opportunities and market dynamics in key product categories.

Gain insights into key regulations governing the Lithuanian insurance industry, and their impact on companies and the industry's future.

Key Highlights
The Lithuanian personal accident and health insurance segment accounted for 6.2% of the industrys gross written premium in 2014.

Insurance against critical illness is gaining in popularity.

Health insurance in Lithuania consists of both public and private insurance.

Personal accident insurance was the second-largest category, and accounted for 44.1% of the segments gross written premium in 2014.

Travel insurance was the fastest-growing category in terms of gross written premium during the review period.

Solvency II, a new regulatory framework for insurers in the EU, came into force in Lithuania on January 1, 2016. It is based on three pillars: risk-based quantitative requirements, governance and supervision, and disclosure and transparency.
Table of Contents
1 Key Facts and Highlights
2 Executive Summary
3 Economy and Demographics
4 Personal Accident and Health Insurance Segment Outlook
4.1 Key Drivers
4.2 Key Trends
4.3 Challenges
4.4 Personal Accident and Health Insurance Growth Prospects by Category
4.4.1 Personal accident insurance
4.4.2 Travel insurance
4.4.3 Health insurance
5 Analysis by Distribution Channel
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
5.4 Brokers
6 Competitive Landscape and Strategic Insights
6.1 Overview
6.2 Leading Companies in the Lithuanian Personal Accident and Health Insurance Segment
6.2.1 Lietuvos draudimas company overview
6.2.2 PZU Lietuva company overview
6.2.3 Ergo Life Insurance SE company overview
6.2.4 SEB Gyvybs draudimas, UAB company overview
6.2.5 Baltikums Draudimas, ADB company overview
7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Latest Changes in Regulations
7.3 Legislation and Market Practice by Type of Insurance
7.3.1 Life insurance
7.3.2 Property insurance
7.3.3 Motor insurance
7.3.4 Liability insurance
7.3.5 Marine, aviation and transit insurance
7.3.6 Personal accident and health insurance
7.4 Compulsory Insurance
7.4.1 Motor third-party liability insurance
7.4.2 Workers compensation
7.4.3 Civil liability insurance for construction designers
7.4.4 Civil liability insurance of contractor
7.4.5 Civil liability insurance on auditor firms
7.4.6 Air carriers and aircraft operators insurance
7.4.7 Professional indemnity insurance for alternative investment fund managers
7.5 Supervision and Control
7.5.1 International Association of Insurance Supervisors (IAIS)
7.5.2 European Insurance and Occupational Pensions Authority (EIOPA)
7.5.3 Bank of Lithuania
7.5.4 Federation of European Risk Management Associations (FERMA)
7.6 Non-Admitted Insurance Regulations
7.6.1 Overview
7.6.2 Intermediaries
7.6.3 Market practices
7.6.4 Fines and penalties
7.7 Company Registration and Operations
7.7.1 Types of insurance organization
7.7.2 Establishing a local company
7.7.3 Foreign ownership
7.7.4 Types of license
7.7.5 Capital requirements
7.7.6 Solvency margins
7.7.7 Reserve requirements
7.7.8 Investment regulations
7.7.9 Statutory return requirements
7.7.10 Fee structure
7.8 Taxation
7.8.1 Insurance premium or policy taxation
7.8.2 Withholding taxes on premium paid overseas
7.8.3 Corporate tax
7.8.4 VAT
7.8.5 Captives
7.9 Legal System
7.9.1 Introduction
7.9.2 Access to court
7.9.3 Alternative dispute resolution (ADR)
8 Definitions and Methodology
8.1 Definitions
8.2 Methodology
9 About Timetric
9.1 Contact Timetric
9.2 About Timetric
9.3 Timetrics Services
9.4 Disclaimer

List of Tables
Table 1: Lithuanian Personal Accident and Health Insurance Key Facts, 2014
Table 2: Lithuanian Personal Accident and Health Insurance Segment Shares of the Top Insurers, 2014
Table 3: Lithuanian Government Credit Ratings
Table 4: Lithuanian Personal Accident and Health Insurance Gross Written Premium by Category (EUR Million), 20102014
Table 5: Lithuanian Personal Accident and Health Insurance Gross Written Premium by Category (US$ Million), 20102014
Table 6: Lithuanian Personal Accident and Health Insurance Gross Written Premium by Category (EUR Million), 20142019
Table 7: Lithuanian Personal Accident and Health Insurance Gross Written Premium by Category (US$ Million), 20142019
Table 8: Lithuanian Personal Accident and Health Insurance Direct Written Premium by Category (EUR Million), 20102014
Table 9: Lithuanian Personal Accident and Health Insurance Direct Written Premium by Category (US$ Million), 20102014
Table 10: Lithuanian Personal Accident and Health Insurance Direct Written Premium by Category (EUR Million), 20142019
Table 11: Lithuanian Personal Accident and Health Insurance Direct Written Premium by Category (US$ Million), 20142019
Table 12: Lithuanian Personal Accident and Health Insurance Net Earned Premium (EUR Million), 20102014
Table 13: Lithuanian Personal Accident and Health Insurance Net Earned Premium (EUR Million), 20142019
Table 14: Lithuanian Personal Accident and Health Insurance Paid Claims by Category (EUR Million), 20102014
Table 15: Lithuanian Personal Accident and Health Insurance Paid Claims by Category (US$ Million), 20102014
Table 16: Lithuanian Personal Accident and Health Insurance Paid Claims by Category (EUR Million), 20142019
Table 17: Lithuanian Personal Accident and Health Insurance Paid Claims by Category (US$ Million), 20142019
Table 18: Lithuanian Personal Accident and Health Insurance Incurred Loss by Category (EUR Million), 20102014
Table 19: Lithuanian Personal Accident and Health Insurance Incurred Loss by Category (US$ Million), 20102014
Table 20: Lithuanian Personal Accident and Health Insurance Incurred Loss by Category (EUR Million), 20142019
Table 21: Lithuanian Personal Accident and Health Insurance Incurred Loss by Category (US$ Million), 20142019
Table 22: Lithuanian Personal Accident and Health Insurance Loss Ratio (%), 20102014
Table 23: Lithuanian Personal Accident and Health Insurance Loss Ratio (%), 20142019
Table 24: Lithuanian Personal Accident and Health Insurance Commission and Expenses (EUR Million), 20102014
Table 25: Lithuanian Personal Accident and Health Insurance Commission and Expenses (EUR Million), 20142019
Table 26: Lithuanian Personal Accident and Health Insurance Combined Ratio (%), 20102014
Table 27: Lithuanian Personal Accident and Health Insurance Combined Ratio (%), 20142019
Table 28: Lithuanian Personal Accident and Health Insurance Number of Policies per Capita, 20102014
Table 29: Lithuanian Personal Accident and Health Insurance Number of Policies per Capita, 20142019
Table 30: Lithuanian Personal Accident and Health Insurance Total Assets (EUR Million), 20102014
Table 31: Lithuanian Personal Accident and Health Insurance Total Assets (EUR Million), 20142019
Table 32: Lithuanian Personal Accident and Health Insurance Total Investment Income (EUR Thousand), 20102014
Table 33: Lithuanian Personal Accident and Health Insurance Total Investment Income (EUR Thousand), 20142019
Table 34: Lithuanian Personal Accident and Health Insurance Net Written Premium (% of GWP), 20102014
Table 35: Lithuanian Personal Accident and Health Insurance Net Written Premium (% of GWP), 20142019
Table 36: Lithuanian Personal Accident Insurance Number of Policies Sold (Thousand), 20102014
Table 37: Lithuanian Personal Accident Insurance Number of Policies Sold (Thousand), 20142019
Table 38: Lithuanian Personal Accident Insurance Direct Written Premium (EUR Million), 20102014
Table 39: Lithuanian Personal Accident Insurance Direct Written Premium (EUR Million), 20142019
Table 40: Lithuanian Personal Accident Insurance Loss Ratio (%), 20102014
Table 41: Lithuanian Personal Accident Insurance Loss Ratio (%), 20142019
Table 42: Lithuanian Travel Insurance Number of Policies Sold (Thousand), 20102014
Table 43: Lithuanian Travel Insurance Number of Policies Sold (Thousand), 20142019
Table 44: Lithuanian Travel Insurance Direct Written Premium (EUR Thousand), 20102014
Table 45: Lithuanian Travel Insurance Direct Written Premium (EUR Thousand), 20142019
Table 46: Lithuanian Travel Insurance Loss Ratio (%), 20102014
Table 47: Lithuanian Travel Insurance Loss Ratio (%), 20142019
Table 48: Lithuanian Health Insurance Number of Policies Sold (Thousand), 20102014
Table 49: Lithuanian Health Insurance Number of Policies Sold (Thousand), 20142019
Table 50: Lithuanian Health Insurance Direct Written Premium (EUR Million), 20102014
Table 51: Lithuanian Health Insurance Direct Written Premium (EUR Million), 20142019
Table 52: Lithuanian Health Insurance Paid Claims (EUR Million), 20102014
Table 53: Lithuanian Health Insurance Paid Claims (EUR Million), 20142019
Table 54: Lithuanian Health Insurance Loss Ratio (%), 20102014
Table 55: Lithuanian Health Insurance Loss Ratio (%), 20142019
Table 56: Lithuanian Personal Accident and Health Insurance Direct Marketing Value of Commission (EUR Million), 20102014
Table 57: Lithuanian Personal Accident and Health Insurance Direct Marketing Value of Commission (EUR Million), 20142019
Table 58: Lithuanian Personal Accident and Health Insurance Direct Marketing Direct Written Premium (EUR Million), 20102014
Table 59: Lithuanian Personal Accident and Health Insurance Direct Marketing Direct Written Premium (EUR Million), 20142019
Table 60: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Direct Marketing (Thousand), 20102014
Table 61: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Direct Marketing (Thousand), 20142019
Table 62: Lithuanian Personal Accident and Health Insurance Bancassurance Value of Commission (EUR Thousand), 20102014
Table 63: Lithuanian Personal Accident and Health Insurance Bancassurance Value of Commission (EUR Thousand), 20142019
Table 64: Lithuanian Personal Accident and Health Insurance Bancassurance Direct Written Premium (EUR Million), 20102014
Table 65: Lithuanian Personal Accident and Health Insurance Bancassurance Direct Written Premium (EUR Million), 20142019
Table 66: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Bancassurance (Thousand), 20102014
Table 67: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Bancassurance (Thousand), 20142019
Table 68: Lithuanian Personal Accident and Health Insurance Agencies Value of Commission (EUR Million), 20102014
Table 69: Lithuanian Personal Accident and Health Insurance Agencies Value of Commission (EUR Million), 20142019
Table 70: Lithuanian Personal Accident and Health Insurance Agencies Direct Written Premium (EUR Million), 20102014
Table 71: Lithuanian Personal Accident and Health Insurance Agencies Direct Written Premium (EUR Million), 20142019
Table 72: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Agencies (Thousand), 20102014
Table 73: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Agencies (Thousand), 20142019
Table 74: Lithuanian Personal Accident and Health Insurance Brokers Value of Commission (EUR Million), 20102014
Table 75: Lithuanian Personal Accident and Health Insurance Brokers Value of Commission (EUR Million), 20142019
Table 76: Lithuanian Personal Accident and Health Insurance Brokers Direct Written Premium (EUR Million), 20102014
Table 77: Lithuanian Personal Accident and Health Insurance Brokers Direct Written Premium (EUR Million), 20142019
Table 78: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Brokers (Thousand), 20102014
Table 79: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Brokers (Thousand), 20142019
Table 80: Lithuanian Personal Accident and Health Insurance Segment Shares (%), 2014
Table 81: Lietuvos draudimas, AB Key Facts
Table 82: Lietuvos draudimas, AB Key Financials (EUR Million), 20102014
Table 83: PZU Lietuva, UAB DK Key Facts
Table 84: PZU Lietuva, UAB DK Key Financials (EUR Million), 20102014
Table 85: Ergo Life Insurance SE Key Facts
Table 86: Ergo Life Insurance SE Key Financials (EUR Million), 20102014
Table 87: SEB Gyvybs draudimas, UAB Key Facts
Table 88: SEB Gyvybs draudimas, UAB Key Financials (EUR Million), 20102014
Table 89: Baltikums Draudimas, ADB Key Facts
Table 90: Lithuania Insurance Regulatory Framework Key Features
Table 91: Lithuania Life Insurance Regulatory Framework
Table 92: Lithuania Property Insurance Regulatory Framework
Table 93: Lithuania Motor Insurance Regulatory Framework
Table 94: Lithuania Liability Insurance Regulatory Framework
Table 95: Lithuania Minimum Cover for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 96: Lithuania Corporate Tax Rates for the Financial Year 2015
Table 97: Insurance Industry Definitions

List of Figures
Figure 1: Lithuanian GDP Contribution by Sector (%), 2014
Figure 2: Lithuanian Exports Imports (EUR Billion), 20102014
Figure 3: Lithuanian Real GDP (EUR Billion), 20102019
Figure 4: EUR US$ Exchange Rate, 20102019
Figure 5: Lithuanian Consumer Price Inflation, 20102019
Figure 6: Lithuanian Current Account Balance as a Percentage of GDP, 20102014
Figure 7: Lithuanian Unemployment Rate, 20102019
Figure 8: Lithuanian Population by Age Group, 19902025
Figure 9: Lithuanian Personal Accident and Health Insurance Gross Written Premium by Category (EUR Million), 20102019
Figure 10: Lithuanian Personal Accident and Health Insurance Gross Written Premium by Category (% Share), 2014 and 2019
Figure 11: Lithuanian Personal Accident and Health Insurance Gross Written Premium Dynamics by Category, 20102019
Figure 12: Lithuanian Personal Accident and Health Insurance Direct Written Premium by Category (EUR Million), 20102019
Figure 13: Lithuanian Personal Accident and Health Insurance Direct Written Premium by Category (% Share), 2014 and 2019
Figure 14: Lithuanian Personal Accident and Health Insurance Gross Written Premium Dynamics by Category, 20102019
Figure 15: Lithuanian Personal Accident and Health Insurance Net Earned Premium (EUR Million), 20102014
Figure 16: Lithuanian Personal Accident and Health Insurance Net Earned Premium (EUR Million), 20142019
Figure 17: Lithuanian Personal Accident and Health Insurance Paid Claims by Category (EUR Million), 20102019
Figure 18: Lithuanian Personal Accident and Health Insurance Incurred Loss by Category (EUR Million), 20102019
Figure 19: Lithuanian Personal Accident and Health Insurance Loss Ratio (%), 20102014
Figure 20: Lithuanian Personal Accident and Health Insurance Loss Ratio (%), 20142019
Figure 21: Lithuanian Personal Accident and Health Insurance Commission and Expenses (EUR Million), 20102014
Figure 22: Lithuanian Personal Accident and Health Insurance Commission and Expenses (EUR Million), 20142019
Figure 23: Lithuanian Personal Accident and Health Insurance Combined Ratio (%), 20102014
Figure 24: Lithuanian Personal Accident and Health Insurance Combined Ratio (%), 20142019
Figure 25: Lithuanian Personal Accident and Health Insurance Number of Policies per Capita, 20102014
Figure 26: Lithuanian Personal Accident and Health Insurance Number of Policies per Capita, 20142019
Figure 27: Lithuanian Personal Accident and Health Insurance Total Assets (EUR Million), 20102014
Figure 28: Lithuanian Personal Accident and Health Insurance Total Assets (EUR Million), 20142019
Figure 29: Lithuanian Personal Accident and Health Insurance Total Investment Income (EUR Thousand), 20102014
Figure 30: Lithuanian Personal Accident and Health Insurance Total Investment Income (EUR Thousand), 20142019
Figure 31: Lithuanian Personal Accident and Health Insurance Net Written Premium (% of GWP), 20102014
Figure 32: Lithuanian Personal Accident and Health Insurance Net Written Premium (% of GWP), 20142019
Figure 33: Lithuanian Personal Accident and Health Insurance Investment Portfolio (EUR Million), 20102014
Figure 34: Lithuanian Personal Accident and Health Insurance Investment Portfolio (% Share), 2010 and 2014
Figure 35: Lithuanian Personal Accident and Health Insurance Penetration (Ratio of Direct Premiums to GDP), 20102014
Figure 36: Lithuanian Personal Accident and Health Insurance Number of Policies Sold (Thousand), 20102014
Figure 37: Lithuanian Personal Accident and Health Insurance Number of Policies Sold (Thousand), 20142019
Figure 38: Lithuanian Personal Accident and Health Insurance Density (Direct Premium per Capita), 20102014
Figure 39: Lithuanian Personal Accident Insurance Number of Policies Sold (Thousand), 20102014
Figure 40: Lithuanian Personal Accident Insurance Number of Policies Sold (Thousand), 20142019
Figure 41: Lithuanian Personal Accident Insurance Direct Written Premium (EUR Million), 20102014
Figure 42: Lithuanian Personal Accident Insurance Direct Written Premium (EUR Million), 20142019
Figure 43: Lithuanian Personal Accident Insurance Loss Ratio (%), 20102014
Figure 44: Lithuanian Personal Accident Insurance Loss Ratio (%), 20142019
Figure 45: Lithuanian Travel Insurance Number of Policies Sold (Thousand), 20102014
Figure 46: Lithuanian Travel Insurance Number of Policies Sold (Thousand), 20142019
Figure 47: Lithuanian Travel Insurance Direct Written Premium (EUR Thousand), 20102014
Figure 48: Lithuanian Travel Insurance Direct Written Premium (EUR Thousand), 20142019
Figure 49: Lithuanian Travel Insurance Loss Ratio (%), 20102014
Figure 50: Lithuanian Travel Insurance Loss Ratio (%), 20142019
Figure 51: Lithuanian Health Insurance Number of Policies Sold (Thousand), 20102014
Figure 52: Lithuanian Health Insurance Number of Policies Sold (Thousand), 20142019
Figure 53: Lithuanian Health Insurance Direct Written Premium (EUR Million), 20102014
Figure 54: Lithuanian Health Insurance Direct Written Premium (EUR Million), 20142019
Figure 55: Lithuanian Health Insurance Paid Claims (EUR Million), 20102014
Figure 56: Lithuanian Health Insurance Paid Claims (EUR Million), 20142019
Figure 57: Lithuanian Health Insurance Loss Ratio (%), 20102014
Figure 58: Lithuanian Health Insurance Loss Ratio (%), 20142019
Figure 59: Lithuanian Personal Accident and Health Insurance Direct Written Premium by Distribution Channel (% Share), 2014 and 2019
Figure 60: Lithuanian Personal Accident and Health Insurance Direct Marketing Value of Commission (EUR Million), 20102014
Figure 61: Lithuanian Personal Accident and Health Insurance Direct Marketing Value of Commission (EUR Million), 20142019
Figure 62: Lithuanian Personal Accident and Health Insurance Direct Marketing Direct Written Premium (EUR Million), 20102014
Figure 63: Lithuanian Personal Accident and Health Insurance Direct Marketing Direct Written Premium (EUR Million), 20142019
Figure 64: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Direct Marketing (Thousand), 20102014
Figure 65: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Direct Marketing (Thousand), 20142019
Figure 66: Lithuanian Personal Accident and Health Insurance Bancassurance Value of Commission (EUR Thousand), 20102014
Figure 67: Lithuanian Personal Accident and Health Insurance Bancassurance Value of Commission (EUR Thousand), 20142019
Figure 68: Lithuanian Personal Accident and Health Insurance Bancassurance Direct Written Premium (EUR Million), 20102014
Figure 69: Lithuanian Personal Accident and Health Insurance Bancassurance Direct Written Premium (EUR Million), 20142019
Figure 70: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Bancassurance (Thousand), 20102014
Figure 71: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Bancassurance (Thousand), 20142019
Figure 72: Lithuanian Personal Accident and Health Insurance Agencies Value of Commission (EUR Million), 20102014
Figure 73: Lithuanian Personal Accident and Health Insurance Agencies Value of Commission (EUR Million), 20142019
Figure 74: Lithuanian Personal Accident and Health Insurance Agencies Direct Written Premium (EUR Million), 20102014
Figure 75: Lithuanian Personal Accident and Health Insurance Agencies Direct Written Premium (EUR Million), 20142019
Figure 76: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Agencies (Thousand), 20102014
Figure 77: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Agencies (Thousand), 20142019
Figure 78: Lithuanian Personal Accident and Health Insurance Brokers Value of Commission (EUR Million), 20102014
Figure 79: Lithuanian Personal Accident and Health Insurance Brokers Value of Commission (EUR Million), 20142019
Figure 80: Lithuanian Personal Accident and Health Insurance Brokers Direct Written Premium (EUR Million), 20102014
Figure 81: Lithuanian Personal Accident and Health Insurance Brokers Direct Written Premium (EUR Million), 20142019
Figure 82: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Brokers (Thousand), 20102014
Figure 83: Lithuanian Personal Accident and Health Insurance Number of Policies Sold Through Brokers (Thousand), 20142019
Figure 84: Lithuanian Personal Accident and Health Insurance Segment Shares (%), 2014
Figure 85: Lithuania The Three Pillars of Solvency II
Figure 86: Lithuania Insurance Supervision and Control at Various Levels
Figure 87: Lithuania Insurance Regulatory Frameworks for Company Registration and Operation

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