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

Published By :

Timetric

Published Date : Feb 2014

Category :

Health Insurance

No. of Pages : 223 Pages


Synopsis

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

  • The Norwegian personal accident and health insurance segment’s growth prospects by insurance categories
  • Key trends and drivers for the personal accident and health insurance segment
  • The various distribution channels in the Norwegian personal accident and health insurance segment
  • The detailed competitive landscape in the personal accident and health insurance segment in Norway
  • Detailed regulatory framework of the Norwegian insurance industry
  • A description of the personal accident and health reinsurance segment in Norway
  • Porter\'s Five Forces analysis of the personal accident and health insurance segment
  • A benchmarking section on the Norwegian life insurance segment in comparison with other countries in the Nordic Region

Executive summary

The Norwegian personal accident and health insurance segment recorded a compound annual growth rate (CAGR) of 9.0% during the review period (2008–2012), the fastest growth of all the segments in the Norwegian insurance industry. The growth was a result of strong growth in the health insurance category, which recorded a healthy CAGR of 19.4%. The growth was also supported by improved economic development and rising healthcare expenditure, factors that are also expected to support the segment over the forecast period (2012–2017). The written premium of the personal accident and health segment is expected to increase at a projected CAGR of 8.1%.

Scope

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

  • It provides historical values for the Norwegian personal accident and health insurance segment for the report’s 2008–2012 review period and forecast figures for the 2012–2017 forecast period.
  • It offers a detailed analysis of the key sub-segments in Norwegian 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 Norway.
  • Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Norway for the personal accident and health insurance segment.
  • It provides a detailed analysis of the reinsurance segment in Norway and its growth prospects.
  • It profiles the top personal accident and health insurance companies in Norway 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 Norwegian personal accident and health insurance segment and each category within it
  • Understand the demand-side dynamics, key market trends and growth opportunities within the Norwegian 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 Norwegian insurance industry and its impact on companies and the market\'s future

Key highlights

  • The Norwegian personal accident and health insurance segment recorded a CAGR of 9.0% during the review period, the fastest growth of all the segments in the Norwegian insurance industry
  • Favorable demographic factors, such as increased life expectancy and a growing population aged 65 and above, are likely to accelerate demand for health insurance
  • Norway is the second-highest spender when it comes to health expenditure per capita, spending US$5,700 a year per person
  • Sales through agencies accounted for 36.6% of the total personal accident and health written premium
  • The segment is highly concentrated, with the 10 leading companies collectively accounting for 92.2% of the segment’s written premiums in 2012
Table of contents

1 Executive Summary

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

3 Nordic Region Market Dynamics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size

4 Personal Accident and Health Insurance Segment – Regional Benchmarking
4.1 Overview
4.2 Scale and penetration
4.2.1 Total gross written premium
4.2.2 Premium per capita
4.2.3 Personal accident and health insurance penetration (% of GDP)
4.3 Growth
4.3.1 Gross written premium
4.3.2 Gross written premium per capita
4.4 Efficiency and risk
4.4.1 Loss ratio
4.4.2 Combined ratio
4.4.3 Incurred losses per capita
4.4.4 Incurred losses as a percentage of GDP
4.5 Distribution channels
4.5.1 Direct marketing
4.5.2 Bancassurance
4.5.3 Agencies
4.5.4 Brokers
4.5.5 Online channels

5 Norwegian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends and Drivers
5.2.1 Business 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 Porter’s Five Forces Analysis – Norwegian Personal Accident and Health Insurance
8.1 Bargaining Power of Suppliers: Low to Medium
8.2 Bargaining Power of Buyers: Medium
8.3 Barriers to Entry: Low to Medium
8.4 Intensity of Rivalry: Low
8.5 Threat of Substitutes: Medium

9 Reinsurance Growth Dynamics and Challenges
9.1 Reinsurance Segment Size by Type of Insurance, 2008–2017

10 Governance, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation Trends by Type of Insurance
10.2.1 Life insurance regulatory trends
10.2.2 Property insurance regulatory trends
10.2.3 Motor insurance regulatory trends
10.2.4 Marine, aviation and transit insurance regulatory trends
10.2.5 Personal accident insurance regulatory trends
10.3 Compulsory Insurance
10.3.1 Workers’ compensation insurance
10.3.2 Motor third party liability insurance
10.3.3 Natural disaster insurance for property cover
10.4 Supervision and Control
10.4.1 International Association of Insurance Supervisors
10.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
10.4.3 The Financial Supervisory Authority of Norway (FSA)
10.5 Non-Admitted Insurance Regulatory Trends
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market practices
10.5.4 Fines and penalties
10.6 Company Registration and Operations
10.6.1 Types of insurance organization
10.6.2 Establishing a local company
10.6.3 Foreign ownership
10.6.4 Types of license
10.6.5 Capital requirements
10.6.6 Solvency margins
10.6.7 Investment regulations
10.6.8 Statutory return requirements
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Corporate tax
10.7.3 VAT
10.7.4 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access to court
10.8.3 Alternative dispute resolution (ADR)

11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in the Norwegian Personal Accident and Health Insurance Segment
11.3 Gjensidige – Company Overview
11.3.1 Gjensidige Forsikring ASA – key facts
11.4 If Skadeforsikring – Company Overview
11.4.1 If Skadeforsikring – key facts
11.5 Sparebank 1 Forsikring – Company Overview
11.5.1 Sparebank 1 Forsikring – key facts
11.6 Storebrand – Company Overview
11.6.1 Storebrand – key facts
11.7 Tryg – Company Overview
11.7.1 Tryg – key facts
11.8 Codan – Company Overview
11.8.1 Codan – key facts
11.9 DNB – Company Overview
11.9.1 DNB Forsikring – key facts
11.10 Nordea – Company Overview
11.10.1 Nordea – key facts
11.11 AIG Europe – Company Overview
11.11.1 AIG Europe – key facts
11.12 Ace European Group – Company Overview
11.12.1 Ace European Group – key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Oslo Børs, Norway
12.2 Economic Performance
12.2.1 GDP at constant prices (US$)
12.2.2 GDP per capita at constant prices (US$)
12.2.3 GDP at current prices (US$)
12.2.4 GDP per capita at current prices (US$)
12.2.5 GDP by key segments
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
12.2.9 Manufacturing net output at current prices as a percentage of GDP
12.2.10 Mining, manufacturing and utilities at current prices (US$)
12.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
12.2.12 Construction net output at current prices, (US$)
12.2.13 Construction net output at current prices as a percentage of GDP
12.2.14 Inflation rate
12.2.15 Exports as a percentage of GDP
12.2.16 Imports as a percentage of GDP
12.2.17 Annual average exchange rate US$–JPY
12.3 Infrastructure
12.3.1 Commercial vehicles exports – total value
12.3.2 Commercial vehicles imports – total value
12.3.3 Automotive exports – total value
12.3.4 Automotive imports – total value
12.3.5 Total internet subscribers
12.4 Labor Force
12.4.1 Labor force
12.4.2 Unemployment rate
12.5 Demographics
12.5.1 Gross national disposable income (US$)
12.5.2 Household consumption expenditure (US$)
12.5.3 Total population
12.5.4 Urban and rural populations
12.5.5 Age distribution of the total population

13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer

List of Table

Table 1: Insurance Industry Definitions
Table 2: Norwegian Insurance – Overall Written Premium by Segment (NOK Billion), 2008–2012
Table 3: Norwegian Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012
Table 4: Norwegian Insurance – Overall Written Premium by Segment (NOK Billion), 2012–2017
Table 5: Norwegian Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017
Table 6: Norwegian Insurance – Segmentation (Percentage Share), 2008–2017
Table 7: Norwegian Personal Accident and Health Insurance – Written Premium by Category (NOK Billion), 2008–2012
Table 8: Norwegian Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2008–2012
Table 9: Norwegian Personal Accident and Health Insurance – Written Premium by Category (NOK Billion), 2012–2017
Table 10: Norwegian Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2012–2017
Table 11: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2008–2012
Table 12: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2012–2017
Table 13: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (NOK Billion), 2008–2012
Table 14: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2008–2012
Table 15: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (NOK Billion), 2012–2017
Table 16: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2012–2017
Table 17: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (NOK Billion), 2008–2012
Table 18: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2008–2012
Table 19: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (NOK Billion), 2012–2017
Table 20: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2012–2017
Table 21: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Table 22: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Table 23: Norwegian Personal Accident and Health Insurance – Commissions and Expenses (NOK Billion), 2008–2012
Table 24: Norwegian Personal Accident and Health Insurance – Commissions and Expenses (NOK Billion), 2012–2017
Table 25: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Table 26: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Table 27: Norwegian Personal Accident and Health Insurance – Frauds and Crimes (NOK Billion), 2008–2012
Table 28: Norwegian Personal Accident and Health Insurance – Fraud and Crimes (NOK Billion), 2012–2017
Table 29: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2008–2012
Table 30: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2012–2017
Table 31: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2008–2012
Table 32: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2012–2017
Table 33: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2008–2012
Table 34: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2012–2017
Table 35: Norwegian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 36: Norwegian Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 37: Norwegian Personal Accident Insurance – Written Premium (NOK Billion), 2008–2012
Table 38: Norwegian Personal Accident Insurance – Written Premium (NOK Billion), 2012–2017
Table 39: Norwegian Personal Accident Insurance – Loss Ratio (%), 2008–2012
Table 40: Norwegian Personal Accident Insurance – Loss Ratio (%), 2012–2017
Table 41: Norwegian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 42: Norwegian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 43: Norwegian Travel Insurance – Written Premium (NOK Billion), 2008–2012
Table 44: Norwegian Travel Insurance – Written Premium (NOK Billion), 2012–2017
Table 45: Norwegian Travel Insurance – Loss Ratio (%), 2008–2012
Table 46: Norwegian Travel Insurance – Loss Ratio (%), 2012–2017
Table 47: Norwegian Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 48: Norwegian Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 49: Norwegian Health Insurance – Written Premium (NOK Billion), 2008–2012
Table 50: Norwegian Health Insurance – Written Premium (NOK Billion), 2012–2017
Table 51: Norwegian Health Insurance – Loss Ratio (%), 2008–2012
Table 52: Norwegian Health Insurance – Loss Ratio (%), 2012–2017
Table 53: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Million), 2008–2012
Table 54: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Billion), 2012–2017
Table 55: Norwegian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (NOK Billion), 2008–2012
Table 56: Norwegian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (NOK Billion), 2012–2017
Table 57: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 58: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 59: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 60: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 61: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Billion), 2008–2012
Table 62: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Billion), 2012–2017
Table 63: Norwegian Personal Accident and Health Insurance – Written Premium Through Bancassurance (NOK Billion), 2008–2012
Table 64: Norwegian Personal Accident and Health Insurance – Written Premium Through Bancassurance (NOK Billion), 2012–2017
Table 65: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 66: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 67: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Table 68: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Table 69: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Billion), 2008–2012
Table 70: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Billion), 2012–2017
Table 71: Norwegian Personal Accident and Health Insurance – Written Premium Through Agencies (NOK Billion), 2008–2012
Table 72: Norwegian Personal Accident and Health Insurance – Written Premium Through Agencies (NOK Billion), 2012–2017
Table 73: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Table 74: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Table 75: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Table 76: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Table 77: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (NOK Billion), 2008–2012
Table 78: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (NOK Billion), 2012–2017
Table 79: Norwegian Personal Accident and Health Insurance – Written Premium Through E-Commerce (NOK Billion), 2008–2012
Table 80: Norwegian Personal Accident and Health Insurance – Written Premium Through E-Commerce (NOK Billion), 2012–2017
Table 81: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Table 82: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Table 83: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Table 84: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Table 85: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Billion), 2008–2012
Table 86: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Billion), 2012–2017
Table 87: Norwegian Personal Accident and Health Insurance – Written Premium Through Brokers (NOK Billion), 2008–2012
Table 88: Norwegian Personal Accident and Health Insurance – Written Premium Through Brokers (NOK Billion), 2012–2017
Table 89: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Table 90: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Table 91: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Table 92: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Table 93: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Billion), 2008–2012
Table 94: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Billion), 2012–2017
Table 95: Norwegian Personal Accident and Health Insurance – Written Premium Through Other Channels (NOK Billion), 2008–2012
Table 96: Norwegian Personal Accident and Health Insurance – Written Premium Through Other Channels (NOK Billion), 2012–2017
Table 97: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Table 98: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Table 99: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Table 100: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Table 101: Norwegian Premium Ceded to Reinsurance by Type of Insurance (NOK Billion), 2008–2012
Table 102: Norwegian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008–2012
Table 103: Norwegian Premium Ceded to Reinsurance by Type of Insurance (NOK Billion), 2012–2017
Table 104: Norwegian Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012–2017
Table 105: Norwegian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 106: Norwegian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 107: Norway – Corporation Tax Rates for the Financial Year 2013
Table 108: Shares of Key Insurers in the Norwegian Personal Accident and Health Insurance Segment (%), 2012
Table 109: Gjensidige Forsikring ASA , Key Facts
Table 110: If Skadeforsikring, Key Facts
Table 111: Sparebank 1 Forsikring, Key Facts
Table 112: Storebrand, Key Facts
Table 113: Tryg, Key Facts
Table 114: Codan, Key Facts
Table 115: DNB Forsikring, Key Facts
Table 116: Nordea, Key Facts
Table 117: AIG Europe, Key Facts
Table 118: Ace European Group, Key Facts

List of Chart

Figure 1: Nordic Region – Snapshot of the Economy and Population, 2012
Figure 2: Nordic Region – Growth Trends in the Insurance Industry (%), 2007–2016
Figure 3: Nordic Region – Aging Population by Country, 2012 and 2017
Figure 4: Nordic Region – Insurance Industry by Segment (US$ Billion), 2011
Figure 5: Nordic Personal Accident and Health Insurance – Growth (%), 2007–2016
Figure 6: Nordic Personal Accident and Health Insurance – Gross Written Premium (US$ Billion), 2011
Figure 7: Nordic Personal Accident and Health Insurance – Premium per Capita (US$), 2011
Figure 8: Nordic Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 9: Nordic Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 10: Nordic Personal Accident and Health Insurance – Gross Written Premium per Capita Growth (%), 2007–2016
Figure 11: Nordic Personal Accident and Health Insurance – Loss Ratio (%), 2011 and 2016
Figure 12: Nordic Personal Accident and Health Insurance – Combined Ratio (%), 2011 and 2016
Figure 13: Nordic Personal Accident and Health Insurance – Incurred Losses per Capita (US$), 2011 and 2016
Figure 14: Nordic Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 15: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Direct Marketing (%), 2007–2016
Figure 16: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Bancassurance (%), 2007–2016
Figure 17: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Agencies (%), 2007–2016
Figure 18: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Brokers (%), 2007–2016
Figure 19: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Online Channels (%), 2007–2016
Figure 20: Norwegian Insurance – Overall Written Premium by Segment (NOK Billion), 2008–2017
Figure 21: Norwegian Insurance – Dynamics by Segment (%), 2008–2017
Figure 22: Norwegian Personal Accident and Health Insurance – Written Premium by Category (NOK Billion), 2008–2017
Figure 23: Norwegian Personal Accident and Health Insurance – Written Premium by Category (% Share), 2012 and 2017
Figure 24: Norwegian Personal Accident and Health Insurance – Dynamics by Category (%), 2008–2017
Figure 25: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2008–2012
Figure 26: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2012–2017
Figure 27: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (NOK Billion), 2008–2017
Figure 28: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (NOK Billion), 2008–2017
Figure 29: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 30: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 31: Norwegian Personal Accident and Health Insurance – Commissions and Expenses (NOK Billion), 2008–2012
Figure 32: Norwegian Personal Accident and Health Insurance – Commissions and Expenses (NOK Billion), 2012–2017
Figure 33: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 34: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 35: Norwegian Personal Accident and Health Insurance – Frauds and Crimes (NOK Billion), 2008–2012
Figure 36: Norwegian Personal Accident and Health Insurance – Fraud and Crimes (NOK Billion), 2012–2017
Figure 37: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2008–2012
Figure 38: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2012–2017
Figure 39: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2008–2012
Figure 40: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2012–2017
Figure 41: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2008–2012
Figure 42: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2012–2017
Figure 43: Norwegian Personal Accident and Health Insurance – Investment Portfolio (NOK Billion), 2008–2012
Figure 44: Norwegian Personal Accident and Health Insurance – Investment Portfolio (% Share), 2012 and 2017
Figure 45: Norwegian Personal Accident and Health Insurance – Penetration (%), 2008–2012
Figure 46: Norwegian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 47: Norwegian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 48: Norwegian Personal Accident and Health Insurance – Premium per Capita (NOK), 2008–2012
Figure 49: Norwegian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 50: Norwegian Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 51: Norwegian Personal Accident Insurance – Written Premium (NOK Billion), 2008–2012
Figure 52: Norwegian Personal Accident Insurance – Written Premium (NOK Billion), 2012–2017
Figure 53: Norwegian Personal Accident Insurance – Loss Ratio (%), 2008–2012
Figure 54: Norwegian Personal Accident Insurance – Loss Ratio (%), 2012–2017
Figure 55: Norwegian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 56: Norwegian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 57: Norwegian Travel Insurance – Written Premium (NOK Billion), 2008–2012
Figure 58: Norwegian Travel Insurance – Written Premium (NOK Billion), 2012–2017
Figure 59: Norwegian Travel Insurance – Loss Ratio (%), 2008–2012
Figure 60: Norwegian Travel Insurance – Loss Ratio (%), 2012–2017
Figure 61: Norwegian Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 62: Norwegian Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 63: Norwegian Health Insurance – Written Premium (NOK Billion), 2008–2012
Figure 64: Norwegian Health Insurance – Written Premium (NOK Billion), 2012–2017
Figure 65: Norwegian Health Insurance – Loss Ratio (%), 2008–2012
Figure 66: Norwegian Health Insurance – Loss Ratio (%), 2012–2017
Figure 67: Norwegian Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 68: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Million), 2008–2012
Figure 69: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Million), 2012–2017
Figure 70: Norwegian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (NOK Billion), 2008–2012
Figure 71: Norwegian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (NOK Billion), 2012–2017
Figure 72: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Figure 73: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Figure 74: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Figure 75: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Figure 76: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Billion), 2008–2012
Figure 77: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Billion), 2012–2017
Figure 78: Norwegian Personal Accident and Health Insurance – Written Premium Through Bancassurance (NOK Billion), 2008–2012
Figure 79: Norwegian Personal Accident and Health Insurance – Written Premium Through Bancassurance (NOK Billion), 2012–2017
Figure 80: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Figure 81: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Figure 82: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Figure 83: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Figure 84: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Billion), 2008–2012
Figure 85: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Billion), 2012–2017
Figure 86: Norwegian Personal Accident and Health Insurance – Written Premium Through Agencies (NOK Billion), 2008–2012
Figure 87: Norwegian Personal Accident and Health Insurance – Written Premium Through Agencies (NOK Billion), 2012–2017
Figure 88: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Figure 89: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Figure 90: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Figure 91: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Figure 92: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (NOK Billion), 2008–2012
Figure 93: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (NOK Billion), 2012–2017
Figure 94: Norwegian Personal Accident and Health Insurance – Written Premium Through E-Commerce (NOK Billion), 2008–2012
Figure 95: Norwegian Personal Accident and Health Insurance – Written Premium Through E-Commerce (NOK Billion), 2012–2017
Figure 96: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Figure 97: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Figure 98: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Figure 99: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Figure 100: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Billion), 2008–2012
Figure 101: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Billion), 2012–2017
Figure 102: Norwegian Personal Accident and Health Insurance – Written Premium Through Brokers (NOK Billion), 2008–2012
Figure 103: Norwegian Personal Accident and Health Insurance – Written Premium Through Brokers (NOK Billion), 2012–2017
Figure 104: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Figure 105: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Figure 106: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Figure 107: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Figure 108: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Billion), 2008–2012
Figure 109: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Billion), 2012–2017
Figure 110: Norwegian Personal Accident and Health Insurance – Written Premium Through Other Channels (NOK Billion), 2008–2012
Figure 111: Norwegian Personal Accident and Health Insurance – Written Premium Through Other Channels (NOK Billion), 2012–2017
Figure 112: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Figure 113: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Figure 114: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Figure 115: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Figure 116: Norwegian Personal Accident and Health Insurance – Five Forces Analysis
Figure 117: Norwegian Premium Ceded to Reinsurance by Type of Insurance (NOK Billion), 2008–2017
Figure 118: Norwegian Reinsurance – Dynamics by Type of Insurance (%), 2008–2017
Figure 119: Norwegian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 120: Norwegian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 121: Norway – Insurance Regulatory Framework
Figure 122: Norway – Insurance Supervision and Control at Various Levels
Figure 123: Norway – Insurance Regulatory Framework for Company Registration and Operation
Figure 124: Shares of Key Insurers in the Norwegian Personal Accident and Health Insurance Segment (%), 2012
Figure 125: Norwegian Stock Exchange Market Capitalization (US$ Billion), 2008–2012
Figure 126: Norwegian GDP at Constant Prices (US$ Billion), 2008–2012
Figure 127: Norwegian GDP Per Capita at Constant Prices (US$), 2008–2012
Figure 128: Norwegian GDP at Current Prices (US$ Billion), 2008–2012
Figure 129: Norwegian GDP Per Capita at Current Prices (US$), 2008–2012
Figure 130: Norwegian GDP by Key Segments (%) 2007 and 2010
Figure 131: Norwegian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2007–2010
Figure 132: Norwegian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2010
Figure 133: Norwegian Manufacturing Net Output at Current Prices (US$ Billion), 2007–2010
Figure 134: Norwegian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2010
Figure 135: Norwegian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 136: Norwegian Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2007–2010
Figure 137: Norwegian Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 138: Norwegian Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 139: Norwegian Inflation Rate (%), 2008–2012
Figure 140: Norwegian Exports as a Percentage of GDP (%), 2007–2011
Figure 141: Norwegian Imports as a Percentage of GDP (%), 2007–2011
Figure 142: Norwegian Annual Average Exchange Rate US$–JPY, 2008–2012
Figure 143: Norwegian Commercial Vehicles Exports – Total Value (US$ Million), 2007–2011
Figure 144: Norwegian Commercial Vehicles Imports – Total Value (US$ Million), 2007–2011
Figure 145: Norwegian Automotive Exports – Total Value (US$ Million), 2007–2011
Figure 146: Norwegian Automotive Imports – Total Value (US$ Billion), 2007–2011
Figure 147: Norwegian Internet Subscriptions (Million), 2007–2011
Figure 148: Size of the Norwegian Labor Force (Million), 2007–2011
Figure 149: Norwegian Unemployment Rate (%), 2008–2012
Figure 150: Norwegian Gross National Disposable Income (US$ Billion), 2007–2011
Figure 151: Norwegian Household Consumption Expenditure (US$ Billion), 2007–2011
Figure 152: Norwegian Total Population (Million), 2008–2012
Figure 153: Norwegian Urban and Rural Populations (%), 2008–2012
Figure 154: Norwegian Population Distribution by Age (%), 2008–2012

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