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

Published By :

Timetric

Published Date : Feb 2015

Category :

Health Insurance

No. of Pages : 225 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 category
  • Key trends, drivers and challenges 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 policies of the Norwegian insurance industry
  • Analysis of various consumer segments in Norwegian personal accident and health insurance
  • Key developments in the Norwegian personal accident and health insurance segment
  • New products launched by Norwegian personal accident and health insurers

Executive summary

The Norwegian personal and health insurance segment posted a review-period CAGR of 3.4%, and accounted for 5.0% of the industry’s gross written premium in 2013. The segment was supported by strong economic growth and rising healthcare expenditure; a trend which is anticipated to continue over the forecast period. A rise in life expectancy, healthcare expenditure and the aging population supported the growthof the segment.The gross written premium of the Norwegian health insurance category increased , at a CAGR of 17.3% during the review period. Travel insurance accounted for 42.4% of the personal accident and health gross written premium in 2013.The personal accident and health segment’s gross written premium is expected to increase in 2018, at a forecast-period CAGR of 4.6%..

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 2009–2013 review period, and projected figures for the 2013–2018 forecast period.
  • It offers a detailed analysis of the key categories in the Norwegian personal accident and health insurance segment, along with market forecasts until 2018.
  • It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions.
  • It analyses the various distribution channels for personal accident and health insurance products in Norway.
  • 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 Norwegian personal accident and health insurance segment and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the Norwegian personal accident and health insurance segment.
  • Assess the competitive dynamics in the personal accident and health insurance segment.
  • Identify the growth opportunities and market dynamics in key product categories.
  • Gain insights into key regulations governing the Norwegian insurance industry and their impact on companies and the industry's future.

Key highlights

  • The Norwegian personal accident and health insurance segment posted a review-period CAGR of 3.4%, and accounted for 5.0% of the industry’s gross written premium in 2013. 
  • Travel insurance accounted for 42.4% of the personal accident and health gross written premium in 2013. 
  • The health category, accounted for 36.3% of the segment’s gross written premium in 2013. 
  • Travel insurance accounted for 42.4% of the personal accident and health gross written premium in 2013. 
  • Strategic alliances during the review period enabled insurers to strengthen their positions in the Nordic region. 
  • Agencies recorded growth during the review period, and accounted for 35.6% of the total gross written premium by distribution channel in the personal accident and health segment in 2013.
Table of Contents

1 Key Facts and Events

2 Executive Summary

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

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

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

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

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

8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Norwegian Personal Accident and Health Insurance Segment
8.3 Leading Personal Accident and Health Insurers – New Product Launches
8.4 Leading Personal Accident and Health Insurers – Key Developments
8.5 Gjensidige Forsikring ASA – Company Overview
8.5.1 Gjensidige Forsikring ASA – key facts
8.6 If Skadeforsikring NUF – Company Overview
8.6.1 If Skadeforsikring NUF – key facts
8.7 Sparebank 1 Forsikring – Company Overview
8.7.1 Sparebank 1 Forsikring – key facts
8.8 Storebrand – Company Overview
8.8.1 Storebrand – key facts
8.9 Tryg Forsikring – Company Overview
8.9.1 Tryg Forsikring – key facts
8.10 Codan Forsikring – Company Overview
8.10.1 Codan Forsikring – key facts
8.11 DNB Forsikring ASA – Company Overview
8.11.1 DNB Forsikring ASA – key facts
8.12 Nordea Livsforsikring – Company Overview
8.12.1 Nordea Livsforsikring – key facts
8.13 Eika Forsikring AS – Company Overview
8.13.1 Eika Forsikring AS – key facts

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

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

List of Table

Table 1: Norwegian Personal Accident and Health Insurance – Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Norwegian Insurance Industry – Gross Written Premium by Segment (NOK Billion), 2009–2013
Table 4: Norwegian Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 5: Norwegian Insurance Industry – Gross Written Premium by Segment (NOK Billion), 2013–2018
Table 6: Norwegian Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 7: Norwegian Insurance Industry – Gross Written Premium by Segment (Percentage Share), 2009–2018
Table 8: Norwegian Insurance Industry – Direct Written Premium by Segment (NOK Billion), 2009–2013
Table 9: Norwegian Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 10: Norwegian Insurance Industry – Direct Written Premium by Segment (NOK Billion), 2013–2018
Table 11: Norwegian Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 12: Norwegian Insurance Industry – Direct Written Premium by Segment (Percentage Share), 2009–2018
Table 13: Norwegian Personal Accident and Health Insurance – Gross Written Premium by Category (NOK Billion), 2009–2013
Table 14: Norwegian Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2009–2013
Table 15: Norwegian Personal Accident and Health Insurance – Gross Written Premium by Category (NOK Billion), 2013–2018
Table 16: Norwegian Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2013–2018
Table 17: Norwegian Personal Accident and Health Insurance – Direct Written Premium by Category (NOK Billion), 2009–2013
Table 18: Norwegian Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2009–2013
Table 19: Norwegian Personal Accident and Health Insurance – Direct Written Premium by Category (NOK Billion), 2013–2018
Table 20: Norwegian Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2013–2018
Table 21: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2009–2013
Table 22: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2013–2018
Table 23: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (NOK Billion), 2009–2013
Table 24: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2009–2013
Table 25: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (NOK Billion), 2013–2018
Table 26: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2013–2018
Table 27: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (NOK Billion), 2009–2013
Table 28: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2009–2013
Table 29: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (NOK Billion), 2013–2018
Table 30: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2013–2018
Table 31: Norwegian Personal Accident and Health Insurance – Retentions by Category (NOK Billion), 2009–2013
Table 32: Norwegian Personal Accident and Health Insurance – Retentions by Category (US$ Billion), 2009–2013
Table 33: Norwegian Personal Accident and Health Insurance – Retentions by Category (NOK Billion), 2013–2018
Table 34: Norwegian Personal Accident and Health Insurance – Retentions by Category (US$ Billion), 2013–2018
Table 35: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Norwegian Personal Accident and Health Insurance – Commission and Expenses (NOK Billion), 2009–2013
Table 38: Norwegian Personal Accident and Health Insurance – Commission and Expenses (NOK Billion), 2013–2018
Table 39: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Norwegian Personal Accident and Health Insurance – Frauds and Crimes (NOK Billion), 2009–2013
Table 42: Norwegian Personal Accident and Health Insurance – Frauds and Crimes (NOK Million), 2013–2018
Table 43: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2009–2013
Table 44: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2013–2018
Table 45: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2009–2013
Table 46: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2013–2018
Table 47: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2009–2013
Table 48: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2013–2018
Table 49: Norwegian Personal Accident Insurance – Number of Policies Sold (Million), 2009–2013
Table 50: Norwegian Personal Accident Insurance – Number of Policies Sold (Million), 2013–2018
Table 51: Norwegian Personal Accident Insurance – Gross Written Premium (NOK Billion), 2009–2013
Table 52: Norwegian Personal Accident Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 53: Norwegian Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Norwegian Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Norwegian Travel Insurance – Number of Policies Sold (Million), 2009–2013
Table 56: Norwegian Travel Insurance – Number of Policies Sold (Million), 2013–2018
Table 57: Norwegian Travel Insurance – Gross Written Premium (NOK Billion), 2009–2013
Table 58: Norwegian Travel Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 59: Norwegian Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Norwegian Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Norwegian Health Insurance – Gross Written Premium by Sub-Category (NOK Billion), 2009–2013
Table 62: Norwegian Health Insurance – Gross Written Premium by Sub-Category (US$ Billion), 2009–2013
Table 63: Norwegian Health Insurance – Gross Written Premium by Sub-Category (NOK Billion), 2013–2018
Table 64: Norwegian Health Insurance – Gross Written Premium by Sub-Category (US$ Billion), 2013–2018
Table 65: Norwegian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 66: Norwegian Non-Life Health Insurance – Number of Policies Sold (Million), 2013–2018
Table 67: Norwegian Non-Life Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Table 68: Norwegian Non-Life Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 69: Norwegian Non-Life Health Insurance – Direct Written Premium (NOK Billion), 2009–2013
Table 70: Norwegian Non-Life Health Insurance – Direct Written Premium (NOK Billion), 2013–2018
Table 71: Norwegian Non-Life Health Insurance – Loss Ratio (%), 2009–2013
Table 72: Norwegian Non-Life Health Insurance – Loss Ratio (%), 2013–2018
Table 73: Norwegian Non-Life Health Insurance – Retentions (NOK Billion), 2009–2013
Table 74: Norwegian Non-Life Health Insurance – Retentions (NOK Billion), 2013–2018
Table 75: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Million), 2009–2013
Table 76: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Million), 2013–2018
Table 77: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2009–2013
Table 78: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 79: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Million), 2009–2013
Table 80: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Million), 2013–2018
Table 81: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 82: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 83: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Million), 2009–2013
Table 84: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Million), 2013–2018
Table 85: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Table 86: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 87: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Million), 2009–2013
Table 88: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Million), 2013–2018
Table 89: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 90: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 91: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Million), 2009–2013
Table 92: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Million), 2013–2018
Table 93: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Table 94: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 95: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2009–2013
Table 96: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2013–2018
Table 97: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 98: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 99: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (Million), 2009–2013
Table 100: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (NOK Million), 2013–2018
Table 101: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2009–2013
Table 102: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2013–2018
Table 103: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 104: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 105: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Table 106: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Table 107: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Million), 2009–2013
Table 108: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Million), 2013–2018
Table 109: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Table 110: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 111: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Million), 2009–2013
Table 112: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Million), 2013–2018
Table 113: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 114: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 115: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Million), 2009–2013
Table 116: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Million), 2013–2018
Table 117: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2009–2013
Table 118: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Table 119: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 120: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 121: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 122: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 123: Norway – Life Insurance Regulatory Framework
Table 124: Norway – Property Insurance Regulatory Framework
Table 125: Norway – Motor Insurance Regulatory Framework
Table 126: Norway – Liability Insurance Regulatory Framework
Table 127: Norway – Corporate Tax Rates for the Financial Year 2013
Table 128: Norwegian Personal Accident and Health Insurance – Segment Shares (%), 2013
Table 129: Gjensidige Forsikring ASA, Key Facts
Table 130: If Skadeforsikring NUF, Key Facts
Table 131: Sparebank 1 Forsikring, Key Facts
Table 132: Storebrand, Key Facts
Table 133: Tryg Forsikring, Key Facts
Table 134: Codan Forsikring, Key Facts
Table 135: DNB Forsikring ASA, Key Facts
Table 136: Nordea Livsforsikring, Key Facts
Table 137: Eika Forsikring AS, Key Facts

List of Chart

Figure 1: Norwegian Insurance Industry – Gross Written Premium by Segment (NOK Billion), 2009–2018
Figure 2: Norwegian Insurance Industry – Gross Written Premium Dynamics by Segment, (2009–2018)
Figure 3: Norwegian Insurance Industry – Direct Written Premium by Segment (NOK Billion), 2009–2018
Figure 4: Norwegian Insurance Industry – Direct Written Premium Dynamics by Segment (2009–2018)
Figure 5: Norway – Gross Written Premium and Health Expenditure, 2008−2012
Figure 6: Norway – Distribution of Employment by Sector (%), 2010–2012
Figure 7: Norway – Population Distribution by Gender and Age Group
Figure 8: Norway – International Tourist Departure (%), 2009-2013
Figure 9: Norwegian Personal Accident and Health Insurance – Gross Written Premium by Category (NOK Billion), 2009–2018
Figure 10: Norwegian Personal Accident and Health Insurance – Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 11: Norwegian Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 12: Norwegian Personal Accident and Health Insurance – Direct Written Premium by Category (NOK Billion), 2009–2018
Figure 13: Norwegian Personal Accident and Health Insurance – Direct Written Premium by Category (%), 2013 and 2018
Figure 14: Norwegian Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 15: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2009–2013
Figure 16: Norwegian Personal Accident and Health Insurance – Earned Premium (NOK Billion), 2013–2018
Figure 17: Norwegian Personal Accident and Health Insurance – Paid Claims by Category (NOK Billion), 2009–2018
Figure 18: Norwegian Personal Accident and Health Insurance – Incurred Loss by Category (NOK Billion), 2009–2018
Figure 19: Norwegian Personal Accident and Health Insurance – Retentions by Category (NOK Billion), 2009–2018
Figure 20: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 21: Norwegian Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 22: Norwegian Personal Accident and Health Insurance – Commission and Expenses (NOK Billion), 2009–2013
Figure 23: Norwegian Personal Accident and Health Insurance – Commission and Expenses (NOK Billion), 2013–2018
Figure 24: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 25: Norwegian Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 26: Norwegian Personal Accident and Health Insurance – Frauds and Crimes (NOK Billion), 2009–2013
Figure 27: Norwegian Personal Accident and Health Insurance – Frauds and Crimes (NOK Million), 2013–2018
Figure 28: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2009–2013
Figure 29: Norwegian Personal Accident and Health Insurance – Total Assets (NOK Billion), 2013–2018
Figure 30: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2009–2013
Figure 31: Norwegian Personal Accident and Health Insurance – Total Investment Income (NOK Billion), 2013–2018
Figure 32: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2009–2013
Figure 33: Norwegian Personal Accident and Health Insurance – Retentions (NOK Billion), 2013–2018
Figure 34: Norwegian Personal Accident and Health Insurance – Investment Portfolio (NOK Billion), 2009–2013
Figure 35: Norwegian Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013
Figure 36: Norwegian Personal Accident and Health Insurance – Penetration (%), 2009–2013
Figure 37: Norwegian Personal Accident and Health Insurance – Number of Policies Sold (Million), 2009–2013
Figure 38: Norwegian Personal Accident and Health Insurance – Number of Policies Sold (Million), 2013–2018
Figure 39: Norwegian Personal Accident and Health Insurance – Premium per Capita (NOK), 2009–2013
Figure 40: Norwegian Personal Accident Insurance – Number of Policies Sold (Million), 2009–2013
Figure 41: Norwegian Personal Accident Insurance – Number of Policies Sold (Million), 2013–2018
Figure 42: Norwegian Personal Accident Insurance – Gross Written Premium (NOK Billion), 2009–2013
Figure 43: Norwegian Personal Accident Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 44: Norwegian Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 45: Norwegian Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 46: Norwegian Travel Insurance – Number of Policies Sold (Million), 2009–2013
Figure 47: Norwegian Travel Insurance – Number of Policies Sold (Million), 2013–2018
Figure 48: Norwegian Travel Insurance – Gross Written Premium (NOK Billion), 2009–2013
Figure 49: Norwegian Travel Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 50: Norwegian Travel Insurance – Loss Ratio (%), 2009–2013
Figure 51: Norwegian Travel Insurance – Loss Ratio (%), 2013–2018
Figure 52: Norwegian Health Insurance – Gross Written Premium by Sub-Category (NOK Billion), 2009–2018
Figure 53: Norwegian Health Insurance – Gross Written Premium Dynamics by Sub-Category, 2009–2018
Figure 54: Norwegian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 55: Norwegian Non-Life Health Insurance – Number of Policies Sold (Million), 2013–2018
Figure 56: Norwegian Non-Life Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Figure 57: Norwegian Non-Life Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 58: Norwegian Non-Life Health Insurance – Direct Written Premium (NOK Billion), 2009–2013
Figure 59: Norwegian Non-Life Health Insurance – Direct Written Premium (NOK Billion), 2013–2018
Figure 60: Norwegian Non-Life Health Insurance – Loss Ratio (%), 2009–2013
Figure 61: Norwegian Non-Life Health Insurance – Loss Ratio (%), 2013–2018
Figure 62: Norwegian Non-Life Health Insurance – Retentions (NOK Billion), 2009–2013
Figure 63: Norwegian Non-Life Health Insurance – Retentions (NOK Billion), 2013–2018
Figure 64: Norwegian Personal Accident and Health Insurance – Gross Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 65: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Million), 2009–2013
Figure 66: Norwegian Personal Accident and Health Insurance – Direct Marketing Commission Paid (NOK Million), 2013–2018
Figure 67: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2009–2013
Figure 68: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 69: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Million), 2009–2013
Figure 70: Norwegian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Million), 2013–2018
Figure 71: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 72: Norwegian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 73: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Million), 2009–2013
Figure 74: Norwegian Personal Accident and Health Insurance – Bancassurance Commission Paid (NOK Billion), 2013–2018
Figure 75: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Figure 76: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 77: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Million), 2009–2013
Figure 78: Norwegian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Million), 2013–2018
Figure 79: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 80: Norwegian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 81: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Million), 2009–2013
Figure 82: Norwegian Personal Accident and Health Insurance – Commission Paid to Agencies (NOK Million), 2013–2018
Figure 83: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Figure 84: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 85: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2009–2013
Figure 86: Norwegian Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2013–2018
Figure 87: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 88: Norwegian Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 89: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (Million), 2009–2013
Figure 90: Norwegian Personal Accident and Health Insurance – E-Commerce Commission Paid (NOK Million), 2013–2018
Figure 91: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2009–2013
Figure 92: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2013–2018
Figure 93: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Figure 94: Norwegian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Figure 95: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Figure 96: Norwegian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Figure 97: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Million), 2009–2013
Figure 98: Norwegian Personal Accident and Health Insurance – Commission Paid to Brokers (NOK Million), 2013–2018
Figure 99: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2009–2013
Figure 100: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 101: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Million), 2009–2013
Figure 102: Norwegian Personal Accident and Health Insurance – Policies Sold Through Brokers (Million), 2013–2018
Figure 103: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 104: Norwegian Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 105: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Million), 2009–2013
Figure 106: Norwegian Personal Accident and Health Insurance – Commission Paid to Other Channels (NOK Million), 2013–2018
Figure 107: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Million), 2009–2013
Figure 108: Norwegian Personal Accident and Health Insurance – Gross Written Premium (NOK Billion), 2013–2018
Figure 109: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 110: Norwegian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 111: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 112: Norwegian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 113: Norway – Insurance Regulatory Framework
Figure 114: Norway – The Three Pillars of Solvency II
Figure 115: Norway – Insurance Supervision and Control at Various Levels
Figure 116: Norway – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 117: Norwegian Personal Accident and Health Insurance – Segment Shares (%), 2013
Figure 118:, Norway Oslo Stock Exchange (OBX) Market Capitalization (US$ Billion), 2008–2012
Figure 119: Norwegian GDP at Constant Prices (US$ Billion), 2009–2013
Figure 120: Norwegian GDP Per Capita at Constant Prices (US$), 2009–2013
Figure 121: Norwegian GDP at Current Prices (US$ Billion), 2009–2013
Figure 122: Norwegian GDP Per Capita at Current Prices (US$), 2009–2013
Figure 123: Norwegian GDP by Key Segments (%) 2008 and 2012
Figure 124: Norwegian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 125: Norwegian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 126: Norwegian Manufacturing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 127: Norwegian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 128: Norwegian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008–2012
Figure 129: Norwegian Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2008–2012
Figure 130: Norwegian Construction Net Output at Current Prices (US$ Billion), 2008 – 2012
Figure 131: Norwegian Construction Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 132: Norwegian Inflation Rate (%), 2009–2013
Figure 133: Norwegian Exports as a Percentage of GDP (%), 2008–2012
Figure 134: Norwegian Imports as a Percentage of GDP (%), 2008–2012
Figure 135: Norwegian Merchandise Export Growth (%), 2009–2012
Figure 136: Norwegian Merchandise Import Growth (%), 2009–2012
Figure 137: Norwegian Annual Average Exchange Rate US$–NOK 2009–2013
Figure 138: Norwegian Commercial Vehicles Exports – Total Value (US$ Million), 2009–2013
Figure 139: Norwegian Commercial Vehicles Imports – Total Value (US$ Million), 2009–2013
Figure 140: Norwegian Automotive Exports – Total Value (US$ Million), 2009–2013
Figure 141: Norwegian Automotive Imports – Total Value (US$ Billion), 2009–2013
Figure 142: Norwegian Internet Subscriptions (Millions), 2009–2013
Figure 143: Norwegian Size of Labor Force (Million), 2008–2012
Figure 144: Norwegian Unemployment Rate (%), 2009–2013
Figure 145: Norwegian Gross National Disposable Income (US$ Billion), 2008–2012
Figure 146: Norwegian Household Consumption Expenditure (US$ Billion), 2009–2013
Figure 147: Norwegian Total Population (Million), 2009–2013
Figure 148: Norwegian Urban and Rural Population (%), 2009–2013
Figure 149: Norwegian Population Distribution by Age (%), 2009–2013
Figure 150: Norwegian Life Expectancy (Number of Years), 2009–2013

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