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

Published By :

Timetric

Published Date : Oct 2013

Category :

Health Insurance

No. of Pages : 215 Pages


Synopsis

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

  • The Pakistani personal accident and health insurance segments growth prospects by insurance categories 
  • Key trends and drivers for the personal accident and health insurance segment 
  • The various distribution channels in the Pakistani personal accident and health insurance segment
  • Detailed competitive landscape in the personal accident and health insurance segment in Pakistan
  • Detailed regulatory framework of the Pakistani insurance industry
  • A description of the personal accident and health reinsurance segment in Pakistan
  • Porter\'s Five Forces Analysis of the personal accident and health insurance segment
  • Benchmarking section on the Pakistani personal accident and health insurance segment in comparison to other countries in the South Asian region

Summary

The Pakistani personal accident and health insurance segment demonstrated a robust performance during the review period. The written premium of the segment increased at a CAGR of 22.7% during the review period (20082012). Growth in the segment was driven by improved economic growth following the global financial crisis, rising healthcare expenditure in the country and increasing government initiatives. Pakistani GDP at constant prices increased from US$107.6 billion in 2008 to US$123.3 billion in 2012, at a review-period CAGR of 3.5%. This is expected to remain buoyant over the forecast period. The increasing macroeconomic fundamentals are expected to improve the income levels of Pakistanis, resulting in a rise in volume of personal accident and health insurance products. As such, the personal accident and health segment is projected to grow at a CAGR of 16.3% over the forecast period (20122017).

Scope

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

  • It provides historical values for Pakistan\'s personal accident and health insurance segment for the reports 20082012 review period and forecast figures for the 20122017 forecast period 
  • It offers a detailed analysis of the key sub-segments in Pakistan\'s personal accident and health insurance segment, along with market forecasts until 2017
  • It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions
  • It analyses the various distribution channels for personal accident and health insurance products in Pakistan
  • Using Porters industry-standard Five Forces analysis, it details the competitive landscape in Pakistan for the personal accident and health insurance segment
  • It provides a detailed analysis of the reinsurance segment in Pakistan and its growth prospects
  • It profiles the top personal accident and health insurance companies in Pakistan 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 Pakistani personal accident and health insurance segment and each category within it
  • Understand the demand-side dynamics, key market trends and growth opportunities within the Pakistani 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 Pakistani insurance segment and its impact on companies and the market\'s future

Key Highlights

  • The written premium of the segment increased from PKR1.5 billion (US$22.2 million) in 2008 to PKR3.5 billion (US$37.8 million) in 2012, at a CAGR of 22.7% during the review period
  • The inadequate public healthcare system, together with the rising number of infectious diseases and the increasing cost of medical treatments, is expected to encourage people to opt for private health insurance over the forecast period
  • The penetration of the Pakistani personal accident and health segment is very low when compared to other Asian countries
  • Despite these growth opportunities, the personal accident and health segment is expected to be impacted by terrorist activity, discouraging global investors and increasing insurance fraud
  • The written premium of Pakistani health insurance is expected to reach PKR3.6 billion (US$39.2 million) in 2017, after registering a forecast-period CAGR of 19.4%
Table of Content

1 Executive Summary

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

3 Regional Market Dynamics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size

4 Personal Accident and Health Insurance Regional Benchmarking
4.1 Scale and Penetration
4.1.1 Total market gross written premium
4.1.2 Premium per capita
4.1.3 Personal accident and health insurance penetration
4.2 Growth
4.2.1 Gross written premium
4.2.2 Gross written premium per capita
4.3 Efficiency and Risk
4.3.1 Loss ratio
4.3.2 Combined ratio
4.3.3 Incurred losses per capita
4.3.4 Incurred losses as a percentage of GDP

5 Pakistan Insurance Industry Attractiveness
5.1 Insurance Industry Size, 20082017
5.2 Key Industry Trends and Drivers

6 Personal Accident and Health Insurance Segment Outlook
6.1 Personal Accident and Health Insurance Growth Prospects by Category
6.1.1 Personal accident
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 Porters Five Forces Analysis Personal Accident and Health Insurance
8.1 Bargaining Power of Supplier: Medium to High
8.2 Bargaining Power of Buyer: Medium
8.3 Barriers to Entry: Medium
8.4 Intensity of Rivalry: Medium
8.5 Threat of Substitutes: Low

9 Reinsurance Growth Dynamics and Challenges
9.1 Reinsurance Segment Size, 20082017
9.2 Reinsurance Segment Size by Type of Insurance, 20082017

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 and health insurance regulatory trends
10.3 Compulsory Insurance
10.3.1 Motor third-party liability insurance
10.3.2 Workmens compensation insurance
10.4 Supervision and Control
10.4.1 International Association of Insurance Supervisors
10.4.2 The Securities and Exchange Commission of Pakistan (SECP)
10.4.3 The Insurance Association of Pakistan (IAP)
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 Reserve requirements
10.6.8 Investment regulations
10.6.9 Statutory return requirements
10.7 Taxation
10.7.1 Withholding taxes on premium paid overseas
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 Pakistan Personal Accident and Health Insurance Segment
11.3 Allianz EFU Health Insurance Ltd Company Overview
11.3.1 Allianz EFU Health Insurance Ltd key facts
11.4 AsiaCare Health & Life Insurance Company Ltd Company Overview
11.4.1 AsiaCare Health & Life Insurance Company Ltd key facts
11.5 Adamjee Insurance Company Ltd Company Overview
11.5.1 Adamjee Insurance Company Ltd key facts
11.6 East West Life Assurance Company Ltd Company Overview
11.6.1 East West Life Assurance Company Ltd key facts
11.7 EFU General Insurance Ltd Company Overview
11.7.1 EFU General Insurance Ltd key facts
11.8 IGI Insurance Ltd Company Overview
11.8.1 IGI Insurance Ltd key facts
11.9 Askari General Insurance Company Ltd Company Overview
11.9.1 Askari General Insurance Company Ltd key facts
11.10 Jubilee General Insurance Company Ltd Company Overview
11.10.1 Jubilee General Insurance Company Ltd key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend Karachi Stock Exchange, Pakistan
12.2 Economic Performance
12.2.1 GDP at constant prices (US dollars)
12.2.2 GDP per capita at constant prices (US dollars)
12.2.3 GDP at current prices (US dollars)
12.2.4 GDP per capita at current prices (US dollars)
12.2.5 GDP by key segments
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US dollars)
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$)
12.2.13 Construction net output at current prices as a percentage of GDP
12.2.14 Inflation rate
12.2.15 Exports as a percentage of GDP
12.2.16 Imports as a percentage of GDP
12.2.17 Exports growth
12.2.18 Imports growth
12.2.19 Annual average exchange rate INRUS$
12.3 Infrastructure Quality and Availability
12.3.1 Commercial vehicles exports total value
12.3.2 Commercial vehicles imports total value
12.3.3 Automotive exports total value
12.3.4 Automotive imports total value
12.3.5 Total internet subscribers
12.4 Labor Force
12.4.1 Labor force
12.5 Demographics
12.5.1 Household consumption expenditure (US$)
12.5.2 Total population
12.5.3 Urban and rural populations
12.5.4 Age distribution of the total population

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

List of Table

Table 1: Insurance Industry Definitions
Table 2: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 20082012
Table 3: Pakistani Insurance Overall Written Premium by Segment (US$ Billion), 20082012
Table 4: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 20122017
Table 5: Pakistani Insurance Overall Written Premium by Segment (US$ Billion), 20122017
Table 6: Pakistani Insurance Segmentation (Percentage Share), 20082017
Table 7: Pakistani Personal Accident and Health Insurance Written Premium by Category (PKR Billion), 20082012
Table 8: Pakistani Personal Accident and Health Insurance Written Premium by Category (US$ Billion), 20082012
Table 9: Pakistani Personal Accident and Health Insurance Written Premium by Category (PKR Billion), 20122017
Table 10: Pakistani Personal Accident and Health Insurance Written Premium by Category (US$ Billion), 20122017
Table 11: Pakistani Personal Accident and Health Insurance Earned Premium (PKR Billion), 20082012
Table 12: Pakistani Personal Accident and Health Insurance Earned Premium (PKR Billion), 20122017
Table 13: Pakistani Personal Accident and Health Insurance Paid Claims by Category (PKR Billion), 20082012
Table 14: Pakistani Personal Accident and Health Insurance Paid Claims by Category (US$ Billion), 20082012
Table 15: Pakistani Personal Accident and Health Insurance Paid Claims by Category (PKR Billion), 20122017
Table 16: Pakistani Personal Accident and Health Insurance Paid Claims by Category (US$ Billion), 20122017
Table 17: Pakistani Personal Accident and Health Insurance Incurred Loss by Category (PKR Billion), 20082012
Table 18: Pakistani Personal Accident and Health Insurance Incurred Loss by Category (US$ Billion), 20082012
Table 19: Pakistani Personal Accident and Health Insurance Incurred Loss by Category (PKR Billion), 20122017
Table 20: Pakistani Personal Accident and Health Insurance Incurred Loss by Category (US$ Billion), 20122017
Table 21: Pakistani Personal Accident and Health Insurance Loss Ratio (%), 20082012
Table 22: Pakistani Personal Accident and Health Insurance Loss Ratio (%), 20122017
Table 23: Pakistani Personal Accident and Health Insurance Commission and Expenses (PKR Billion), 20082012
Table 24: Pakistani Personal Accident and Health Insurance Commission and Expenses (PKR Billion), 20122017
Table 25: Pakistani Personal Accident and Health Insurance Combined Ratio (%), 20082012
Table 26: Pakistani Personal Accident and Health Insurance Combined Ratio (%), 20122017
Table 27: Pakistani Personal Accident and Health Insurance Total Assets (PKR Billion), 20082012
Table 28: Pakistani Personal Accident and Health Insurance Total Assets (PKR Billion), 20122017
Table 29: Pakistani Personal Accident and Health Insurance Total Investment Income (PKR Billion), 20082012
Table 30: Pakistani Personal Accident and Health Insurance Total Investment Income (PKR Billion), 20122017
Table 31: Pakistani Personal Accident and Health Insurance Retentions (PKR Billion), 20082012
Table 32: Pakistani Personal Accident and Health Insurance Retentions (PKR Billion), 20122017
Table 33: Pakistani Personal Accident Insurance Number of Policies Sold (Thousand), 20082012
Table 34: Pakistani Personal Accident Insurance Number of Policies Sold (Thousand), 20122017
Table 35: Pakistani Personal Accident Insurance Written Premium (PKR Billion), 20082012
Table 36: Pakistani Personal Accident Insurance Written Premium (PKR Billion), 20122017
Table 37: Pakistani Personal Accident Insurance Loss Ratio (%), 20082012
Table 38: Pakistani Personal Accident Insurance Loss Ratio (%), 20122017
Table 39: Pakistani Travel Insurance Number of Policies Sold (Thousand), 20082012
Table 40: Pakistani Travel Insurance Number of Policies Sold (Thousand), 20122017
Table 41: Pakistani Travel Insurance Written Premium (PKR Billion), 20082012
Table 42: Pakistani Travel Insurance Written Premium (PKR Billion), 20122017
Table 43: Pakistani Travel Insurance Loss Ratio (%), 20082012
Table 44: Pakistani Travel Insurance Loss Ratio (%), 20122017
Table 45: Pakistani Health Insurance Number of Policies Sold (Thousand), 20082012
Table 46: Pakistani Health Insurance Number of Policies Sold (Thousand), 20122017
Table 47: Pakistani Health Insurance Written Premium (PKR Billion), 20082012
Table 48: Pakistani Health Insurance Written Premium (PKR Billion), 20122017
Table 49: Pakistani Health Insurance Loss Ratio (%), 20082012
Table 50: Pakistani Health Insurance Loss Ratio (%), 20122017
Table 51: Pakistani Personal Accident and Health Insurance Direct Marketing Commission Paid (PKR Billion), 20082012
Table 52: Pakistani Personal Accident and Health Insurance Direct Marketing Commission Paid (PKR Billion), 20122017
Table 53: Pakistani Personal Accident and Health Insurance Written Premium Through Direct Marketing (PKR Billion), 20082012
Table 54: Pakistani Personal Accident and Health Insurance Written Premium Through Direct Marketing (PKR Billion), 20122017
Table 55: Pakistani Personal Accident and Health Insurance Policies Sold Through Direct Marketing (Thousand), 20082012
Table 56: Pakistani Personal Accident and Health Insurance Policies Sold Through Direct Marketing (Thousand), 20122017
Table 57: Pakistani Personal Accident and Health Insurance Number of Direct Marketing Distributors, 20082012
Table 58: Pakistani Personal Accident and Health Insurance Number of Direct Marketing Distributors, 20122017
Table 59: Pakistani Personal Accident and Health Insurance Bancassurance Commission Paid (PKR Billion), 20082012
Table 60: Pakistani Personal Accident and Health Insurance Bancassurance Commission Paid (PKR Billion), 20122017
Table 61: Pakistani Personal Accident and Health Insurance Written Premium Through Bancassurance (PKR Billion), 20082012
Table 62: Pakistani Personal Accident and Health Insurance Written Premium Through Bancassurance (PKR Billion), 20122017
Table 63: Pakistani Personal Accident and Health Insurance Policies Sold Through Bancassurance (Thousand), 20082012
Table 64: Pakistani Personal Accident and Health Insurance Policies Sold Through Bancassurance (Thousand), 20122017
Table 65: Pakistani Personal Accident and Health Insurance Number of Bancassurance Distributors, 20082012
Table 66: Pakistani Personal Accident and Health Insurance Number of Bancassurance Distributors, 20122017
Table 67: Pakistani Personal Accident and Health Insurance Commission Paid to Agencies (PKR Billion), 20082012
Table 68: Pakistani Personal Accident and Health Insurance Commission Paid to Agencies (PKR Billion), 20122017
Table 69: Pakistani Personal Accident and Health Insurance Written Premium Through Agencies (PKR Billion), 20082012
Table 70: Pakistani Personal Accident and Health Insurance Written Premium Through Agencies (PKR Billion), 20122017
Table 71: Pakistani Personal Accident and Health Insurance Policies Sold Through Agencies (Thousand), 20082012
Table 72: Pakistani Personal Accident and Health Insurance Policies Sold Through Agencies (Thousand), 20122017
Table 73: Pakistani Personal Accident and Health Insurance Number of Agencies, 20082012
Table 74: Pakistani Personal Accident and Health Insurance Number of Agencies, 20122017
Table 75: Pakistani Personal Accident and Health Insurance E-Commerce Commission Paid (PKR Billion), 20082012
Table 76: Pakistani Personal Accident and Health Insurance E-Commerce Commission Paid (PKR Billion), 20122017
Table 77: Pakistani Personal Accident and Health Insurance Written Premium Through E-Commerce (PKR Billion), 20082012
Table 78: Pakistani Personal Accident and Health Insurance Written Premium Through E-Commerce (PKR Billion), 20122017
Table 79: Pakistani Personal Accident and Health Insurance Policies Sold Through E-Commerce (Thousand), 20082012
Table 80: Pakistani Personal Accident and Health Insurance Policies Sold Through E-Commerce (Thousand), 20122017
Table 81: Pakistani Personal Accident and Health Insurance Number of E-Commerce Distributors, 20082012
Table 82: Pakistani Personal Accident and Health Insurance Number of E-Commerce Distributors, 20122017
Table 83: Pakistani Personal Accident and Health Insurance Commission Paid to Brokers (PKR Billion), 20082012
Table 84: Pakistani Personal Accident and Health Insurance Commission Paid to Brokers (PKR Billion), 20122017
Table 85: Pakistani Personal Accident and Health Insurance Written Premium Through Brokers (PKR Billion), 20082012
Table 86: Pakistani Personal Accident and Health Insurance Written Premium Through Brokers (PKR Billion), 20122017
Table 87: Pakistani Personal Accident and Health Insurance Policies Sold Through Brokers (Thousand), 20082012
Table 88: Pakistani Personal Accident and Health Insurance Policies Sold Through Brokers (Thousand), 20122017
Table 89: Pakistani Personal Accident and Health Insurance Number of Brokers, 20082012
Table 90: Pakistani Personal Accident and Health Insurance Number of Brokers, 20122017
Table 91: Pakistani Personal Accident and Health Insurance Commission Paid to Other Channels (PKR Billion), 20082012
Table 92: Pakistani Personal Accident and Health Insurance Commission Paid to Other Channels (PKR Billion), 20122017
Table 93: Pakistani Personal Accident and Health Insurance Written Premium Through Other Channels (PKR Billion), 20082012
Table 94: Pakistani Personal Accident and Health Insurance Written Premium Through Other Channels (PKR Billion), 20122017
Table 95: Pakistani Personal Accident and Health Insurance Policies Sold Through Other Channels (Thousand), 20082012
Table 96: Pakistani Personal Accident and Health Insurance Policies Sold Through Other Channels (Thousand), 20122017
Table 97: Pakistani Personal Accident and Health Insurance Number of Distributors in Other Channels, 20082012
Table 98: Pakistani Personal Accident and Health Insurance Number of Distributors in Other Channels, 20122017
Table 99: Reinsurance in Pakistan by Category (PKR Billion), 20082012
Table 100: Reinsurance in Pakistan by Category (US$ Billion), 20082012
Table 101: Reinsurance in Pakistan by Category (PKR Billion), 20122017
Table 102: Reinsurance in Pakistan by Category (US$ Billion), 20122017
Table 103: Pakistani Premium Ceded to Reinsurance by Type of Insurance (PKR Billion), 20082012
Table 104: Pakistani Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 20082012
Table 105: Pakistani Premium Ceded to Reinsurance by Type of Insurance (PKR Billion), 20122017
Table 106: Pakistani Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 20122017
Table 107: Pakistani Personal Accident and Health Insurance Percentage of Reinsurance Ceded (%), 20082012
Table 108: Pakistani Personal Accident and Health Insurance Percentage of Reinsurance Ceded (%), 20122017
Table 109: Pakistan Corporate Tax Rates for the Financial Year 2013
Table 110: Pakistani Personal Accident and Health Insurers, 2012
Table 111: Allianz EFU Health Insurance Ltd, Key Facts
Table 112: Pakistani AsiaCare Health & Life Insurance Company Ltd, Key Facts
Table 113: Adamjee Insurance Company Ltd, Key Facts
Table 114: Pakistani East West Life Assurance Company Ltd, Key Facts
Table 115: EFU General Insurance Ltd, Key Facts
Table 116: lGI Insurance Ltd, Key Facts
Table 117: Askari General Insurance Company Ltd, Key Facts
Table 118: Jubilee General Insurance Company Ltd, Key Facts

List of Chart

Figure 1: South Asia Region Snapshot of the Economies and Population, 2011
Figure 2: South Asia Region Growth Trends in the Insurance Industry (%), 20072016
Figure 3: South Asia Region Total Industry Values by Segment (US$ Million), 2011
Figure 4: South Asia Region Personal Accident and Health Insurance Gross Written Premiums (US$ Million), 20072016
Figure 5: South Asia Region Personal Accident and Health Insurance Premium per Capita (US$), 20072016
Figure 6: South Asia Region Personal Accident and Health Insurance Penetration (%), 2011 and 2016
Figure 7: South Asia Region Personal Accident and Health Insurance Gross Written Premium Growth (%), 20072016
Figure 8: South Asia Region Personal Accident and Health Insurance Gross Written Premium per Capita Growth (%), 20072016
Figure 9: South Asia Region Personal Accident and Health Insurance Loss Ratios (%), 2011 and 2016
Figure 10: South Asia Region Personal Accident and Health Insurance Combined Ratios (%), 2011 and 2016
Figure 11: South Asia Region Personal Accident and Health Insurance Incurred Losses per Capita (US$), 2011 and 2016
Figure 12: South Asia Region Personal Accident and Health Insurance Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 13: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 20082017
Figure 14: Pakistani Insurance Dynamics by Segment (%), 20082017
Figure 15: Pakistani Personal Accident and Health Insurance Written Premium by Category (PKR Billion), 20082017
Figure 16: Pakistani Personal Accident and Health Insurance Written Premium by Category (% Share), 2012 and 2017
Figure 17: Pakistani Personal Accident and Health Insurance Dynamics by Category (%), 20082017
Figure 18: Pakistani Personal Accident and Health Insurance Earned Premium (PKR Billion), 20082012
Figure 19: Pakistani Personal Accident and Health Insurance Earned Premium (PKR Billion), 20122017
Figure 20: Pakistani Personal Accident and Health Insurance Paid Claims by Category (PKR Billion), 20082017
Figure 21: Pakistani Personal Accident and Health Insurance Incurred Loss by Category (PKR Billion), 20082017
Figure 22: Pakistani Personal Accident and Health Insurance Loss Ratio (%), 20082012
Figure 23: Pakistani Personal Accident and Health Insurance Loss Ratio (%), 20122017
Figure 24: Pakistani Personal Accident and Health Insurance Commission and Expenses (PKR Billion), 20082012
Figure 25: Pakistani Personal Accident and Health Insurance Commission and Expenses (PKR Billion), 20122017
Figure 26: Pakistani Personal Accident and Health Insurance Combined Ratio (%), 20082012
Figure 27: Pakistani Personal Accident and Health Insurance Combined Ratio (%), 20122017
Figure 28: Pakistani Personal Accident and Health Insurance Total Assets (PKR Billion), 20082012
Figure 29: Pakistani Personal Accident and Health Insurance Total Assets (PKR Billion), 20122017
Figure 30: Pakistani Personal Accident and Health Insurance Total Investment Income (PKR Billion), 20082012
Figure 31: Pakistani Personal Accident and Health Insurance Total Investment Income (PKR Billion), 20122017
Figure 32: Pakistani Personal Accident and Health Insurance Retentions (PKR Billion), 20082012
Figure 33: Pakistani Personal Accident and Health Insurance Retentions (PKR Billion), 20122017
Figure 34: Pakistani Personal Accident and Health Insurance Investment Portfolio (PKR Billion), 20082012
Figure 35: Pakistani Personal Accident and Health Insurance Investment Portfolio (% Share), 2008 and 2012
Figure 36: Pakistani Personal Accident and Health Insurance Penetration (% of GDP), 20082012
Figure 37: Pakistani Personal Accident and Health Insurance Number of Policies Sold (Thousand), 20082012
Figure 38: Pakistani Personal Accident and Health Insurance Number of Policies Sold (Thousand), 20122017
Figure 39: Pakistani Personal Accident and Health Insurance Premium Per Capita (PKR), 20082012
Figure 40: Pakistani Personal Accident Insurance Number of Policies Sold (Thousand), 20082012
Figure 41: Pakistani Personal Accident Insurance Number of Policies Sold (Thousand), 20122017
Figure 42: Pakistani Personal Accident Insurance Written Premium (PKR Billion), 20082012
Figure 43: Pakistani Personal Accident Insurance Written Premium (PKR Billion), 20122017
Figure 44: Pakistani Personal Accident Insurance Loss Ratio (%), 20082012
Figure 45: Pakistani Personal Accident Insurance Loss Ratio (%), 20122017
Figure 46: Pakistani Travel Insurance Number of Policies Sold (Thousand), 20082012
Figure 47: Pakistani Travel Insurance Number of Policies Sold (Thousand), 20122017
Figure 48: Pakistani Travel Insurance Written Premium (PKR Billion), 20082012
Figure 49: Pakistani Travel Insurance Written Premium (PKR Billion), 20122017
Figure 50: Pakistani Travel Insurance Loss Ratio (%), 20082012
Figure 51: Pakistani Travel Insurance Loss Ratio (%), 20122017
Figure 52: Pakistani Health Insurance Number of Policies Sold (Thousand), 20082012
Figure 53: Pakistani Health Insurance Number of Policies Sold (Thousand), 20122017
Figure 54: Pakistani Health Insurance Written Premium (PKR Billion), 20082012
Figure 55: Pakistani Health Insurance Written Premium (PKR Billion), 20122017
Figure 56: Pakistani Health Insurance Loss Ratio (%), 20082012
Figure 57: Pakistani Health Insurance Loss Ratio (%), 20122017
Figure 58: Pakistani Personal Accident and Health Insurance Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 59: Pakistani Personal Accident and Health Insurance Direct Marketing Commission Paid (PKR Billion), 20082012
Figure 60: Pakistani Personal Accident and Health Insurance Direct Marketing Commission Paid (PKR Billion), 20122017
Figure 61: Pakistani Personal Accident and Health Insurance Written Premium Through Direct Marketing (PKR Billion), 20082012
Figure 62: Pakistani Personal Accident and Health Insurance Written Premium Through Direct Marketing (PKR Billion), 20122017
Figure 63: Pakistani Personal Accident and Health Insurance Policies Sold Through Direct Marketing (Thousand), 20082012
Figure 64: Pakistani Personal Accident and Health Insurance Policies Sold Through Direct Marketing (Thousand), 20122017
Figure 65: Pakistani Personal Accident and Health Insurance Number of Direct Marketing Distributors, 20082012
Figure 66: Pakistani Personal Accident and Health Insurance Number of Direct Marketing Distributors, 20122017
Figure 67: Pakistani Personal Accident and Health Insurance Bancassurance Commission Paid (PKR Billion), 20082012
Figure 68: Pakistani Personal Accident and Health Insurance Bancassurance Commission Paid (PKR Billion), 20122017
Figure 69: Pakistani Personal Accident and Health Insurance Written Premium Through Bancassurance (PKR Billion), 20082012
Figure 70: Pakistani Personal Accident and Health Insurance Written Premium Through Bancassurance (PKR Billion), 20122017
Figure 71: Pakistani Personal Accident and Health Insurance Policies Sold Through Bancassurance (Thousand), 20082012
Figure 72: Pakistani Personal Accident and Health Insurance Policies Sold Through Bancassurance (Thousand), 20122017
Figure 73: Pakistani Personal Accident and Health Insurance Number of Bancassurance Distributors, 20082012
Figure 74: Pakistani Personal Accident and Health Insurance Number of Bancassurance Distributors, 20122017
Figure 75: Pakistani Personal Accident and Health Insurance Commission Paid to Agencies (PKR Billion), 20082012
Figure 76: Pakistani Personal Accident and Health Insurance Commission Paid to Agencies (PKR Billion), 20122017
Figure 77: Pakistani Personal Accident and Health Insurance Written Premium Through Agencies (PKR Billion), 20082012
Figure 78: Pakistani Personal Accident and Health Insurance Written Premium Through Agencies (PKR Billion), 20122017
Figure 79: Pakistani Personal Accident and Health Insurance Policies Sold Through Agencies (Thousand), 20082012
Figure 80: Pakistani Personal Accident and Health Insurance Policies Sold Through Agencies (Thousand), 20122017
Figure 81: Pakistani Personal Accident and Health Insurance Number of Agencies, 20082012
Figure 82: Pakistani Personal Accident and Health Insurance Number of Agencies, 20122017
Figure 83: Pakistani Personal Accident and Health Insurance E-Commerce Commission Paid (PKR Billion), 20082012
Figure 84: Pakistani Personal Accident and Health Insurance E-Commerce Commission Paid (PKR Billion), 20122017
Figure 85: Pakistani Personal Accident and Health Insurance Written Premium Through E-Commerce (PKR Billion), 20082012
Figure 86: Pakistani Personal Accident and Health Insurance Written Premium Through E-Commerce (PKR Billion), 20122017
Figure 87: Pakistani Personal Accident and Health Insurance Policies Sold Through E-Commerce (Thousand), 20082012
Figure 88: Pakistani Personal Accident and Health Insurance Policies Sold Through E-Commerce (Thousand), 20122017
Figure 89: Pakistani Personal Accident and Health Insurance Number of E-Commerce Distributors, 20082012
Figure 90: Pakistani Personal Accident and Health Insurance Number of E-Commerce Distributors, 20122017
Figure 91: Pakistani Personal Accident and Health Insurance Commission Paid to Brokers (PKR Billion), 20082012
Figure 92: Pakistani Personal Accident and Health Insurance Commission Paid to Brokers (PKR Billion), 20122017
Figure 93: Pakistani Personal Accident and Health Insurance Written Premium Through Brokers (PKR Billion), 20082012
Figure 94: Pakistani Personal Accident and Health Insurance Written Premium Through Brokers (PKR Billion), 20122017
Figure 95: Pakistani Personal Accident and Health Insurance Policies Sold Through Brokers (Thousand), 20082012
Figure 96: Pakistani Personal Accident and Health Insurance Policies Sold Through Brokers (Thousand), 20122017
Figure 97: Pakistani Personal Accident and Health Insurance Number of Brokers, 20082012
Figure 98: Pakistani Personal Accident and Health Insurance Number of Brokers, 20122017
Figure 99: Pakistani Personal Accident and Health Insurance Commission Paid to Other Channels (PKR Billion), 20082012
Figure 100: Pakistani Personal Accident and Health Insurance Commission Paid to Other Channels (PKR Billion), 20122017
Figure 101: Pakistani Personal Accident and Health Insurance Written Premium Through Other Channels (PKR Billion), 20082012
Figure 102: Pakistani Personal Accident and Health Insurance Written Premium Through Other Channels (PKR Billion), 20122017
Figure 103: Pakistani Personal Accident and Health Insurance Policies Sold Through Other Channels (Thousand), 20082012
Figure 104: Pakistani Personal Accident and Health Insurance Policies Sold Through Other Channels (Thousand), 20122017
Figure 105: Pakistani Personal Accident and Health Insurance Number of Distributors in Other Channels, 20082012
Figure 106: Pakistani Personal Accident and Health Insurance Number of Distributors in Other Channels, 20122017
Figure 107: Pakistani Personal Accident and Health Insurance Segment Five Forces Analysis
Figure 108: Pakistani Premium Ceded to Reinsurance by Category (PKR Billion), 20082017
Figure 109: Pakistani Premium Ceded to Reinsurance by Category (Percentage Share), 2012 and 2017
Figure 110: Pakistani Reinsurance Dynamics by Category, 20082017
Figure 111: Pakistani Premium Ceded to Reinsurance by Type of Insurance (PKR Billion), 20082017
Figure 112: Pakistani Reinsurance Dynamics by Type of Insurance (%), 20082017
Figure 113: Pakistani Personal Accident and Health Insurance Percentage of Reinsurance Ceded (%), 20082012
Figure 114: Pakistani Personal Accident and Health Insurance Percentage of Reinsurance Ceded (%), 20122017
Figure 115: Pakistan Insurance Regulatory Framework
Figure 116: Pakistan Insurance Supervision and Control at Various Levels
Figure 117: Pakistan Insurance Regulatory Framework For Company Registration and Operation
Figure 118: Pakistani Stock Exchange Market Capitalization (US$ Billion), 20082012
Figure 119: Pakistani GDP at Constant Prices (US$ Billion), 20082012
Figure 120: Pakistani GDP per Capita at Constant Prices (US$), 20082012
Figure 121: Pakistani GDP at Current Prices (US$ Billion), 20082012
Figure 122: Pakistani GDP Per Capita at Current Prices (US$), 20082012
Figure 123: Pakistani GDP by Key Segments (%) 2007 and 2011
Figure 124: Pakistani Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 20072011
Figure 125: Pakistani Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 20072011
Figure 126: Pakistani Manufacturing Net Output at Current Prices (US$ Billion), 20072011
Figure 127: Pakistani Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 20072011
Figure 128: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 20072011
Figure 129: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 20072011
Figure 130: Pakistani Construction Net Output at Current Prices (US$ Billion), 20072011
Figure 131: Pakistani Construction Output at Current Prices as a Percentage of GDP (%), 20072011
Figure 132: Pakistani Inflation Rate (%), 20082012
Figure 133: Pakistani Exports as a Percentage of GDP (%), 20072011
Figure 134: Pakistani Imports as a Percentage of GDP (%), 20072011
Figure 135: Pakistani Exports Growth (%), 20072010
Figure 136: Pakistani Imports Growth (%), 20072010
Figure 137: Pakistani Annual Average Exchange Rate US$RON, 20082012
Figure 138: Pakistani Commercial Vehicles Exports Total Value (US$ Billion), 20072010
Figure 139: Pakistani Commercial Vehicles Imports Total Value (US$ Billion), 20072010
Figure 140: Pakistani Automotive Exports Total Value (US$ Billion), 20072010
Figure 141: Pakistani Automotive Imports Total Value (US$ Billion), 20072010
Figure 142: Pakistani Internet Subscriptions (Millions), 20072011
Figure 143: Pakistani Size of Labor Force in the 1559 Age Group (Million), 20072011
Figure 144: Pakistani Household Consumption Expenditure (US$ Billion), 20072011
Figure 145: Pakistani Total Population (Million), 20082012
Figure 146: Pakistani Urban and Rural Populations (%), 20082012
Figure 147: Pakistani Population Distribution by Age (%), 20082012

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