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

Published By :

Timetric

Published Date : Dec 2013

Category :

Health Insurance

No. of Pages : 217 Pages


Synopsis

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

  • The Portuguese 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 Portuguese personal accident and health insurance segment
  • Detailed competitive landscape in the personal accident and health insurance segment in Portugal
  • Detailed regulatory framework of the Portuguese insurance industry
  • A description of the personal accident and health reinsurance segment in Portugal
  • Porter\'s Five Forces Analysis of the personal accident and health insurance segment
  • Benchmarking section on the Portuguese personal accident and health insurance segment in comparison to other countries with gross written premium in the range of US$10 billion to US$40 billion

Executive summary

The Portuguese healthcare system is well developed and is characterized by a mix of public and private systems. The written premium of the Portuguese personal accident and health insurance segment declined from EUR1.4 billion (US$2.0 billion) in 2008 to EUR1.2 billion (US$1.5 billion) in 2012, at a compound annual growth rate (CAGR) of -3.4% during the review period (2008–2012). The troubled state of the economy, rising unemployment and a decline in disposable income has led to a decline in demand for personal accident and health insurance products. Over the forecast period (2012–2017), declining government health spending, rising healthcare costs and an aging population will act as catalysts for the growth of the personal accident and health segment.

Scope

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

  • It provides historical values for the Portuguese 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 the Portuguese 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 Portugal
  • Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Portugal for the personal accident and health insurance segment
  • It provides a detailed analysis of the reinsurance segment in Portugal and its growth prospects
  • It profiles the top personal accident and health insurance companies in Portugal 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 Portuguese personal accident and health insurance segment and each category within it
  • Understand the demand-side dynamics, key market trends and growth opportunities within the Portuguese 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 Portuguese insurance segment and its impact on companies and the market\'s future

Key highlights

  • According to the Portuguese Health Regulatory Authority, around 30% of total healthcare expenditure is from the private sector, and mainly consists of out-of-pocket payments such as co-payments and direct payments by the patient
  • The ongoing government austerity measures and decline in disposable income have led to a decline in demand for personal accident and health insurance products
  • The segment registered a review-period CAGR of -3.4%, with gross written premiums declining from EUR1.4 billion (US$2.0 billion) in 2008 to EUR1.2 billion (US$1.5 billion) in 2012
  • Agencies recorded the largest share of total commission with 61.0% at the end of 2012
  • The Portuguese personal accident and health insurance segment is highly concentrated, with the 10-leading companies accounting for 83.9% of the total 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 Regional Market Dynamics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size

4 Personal Accident and Health Insurance
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
4.4 Distribution Channels
4.4.1 Direct marketing
4.4.2 Brokers
4.4.3 Bancassurance
4.4.4 Agencies

5 Portuguese Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends and Drivers

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

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

8 Porter’s Five Forces Analysis – Portuguese Personal Accident and Health Insurance
8.1 Bargaining Power of Supplier: Low to Medium
8.2 Bargaining Power of Buyer: Medium
8.3 Barriers to Entry: Low to Medium
8.4 Intensity of Rivalry: Medium
8.5 Threat of Substitutes: Medium

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

10 Governance, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation and Market Practice by Type of Insurance
10.2.1 Life insurance
10.2.2 Property insurance
10.2.3 Motor insurance
10.2.4 Marine, aviation and transit insurance
10.2.5 Personal accident and health insurance
10.3 Compulsory Insurance
10.3.1 Motor vehicle third-party liability insurance
10.3.2 Air carriers and aircraft operators insurance
10.4 Supervision and Control
10.4.1 International regulatory authority
10.4.2 European Insurance and Occupational Pensions Authority
10.4.3 Portugal Insurance Institute
10.4.4 Portuguese Association of Insurers
10.5 Non-Admitted Insurance Regulations
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
10.6.10 Fee structure
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Withholding taxes on premium paid overseas
10.7.3 Corporate tax
10.7.4 VAT
10.7.5 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’ Personal Accident and Health Insurance Segment in Portugal
11.3 Companhia de Seguros Fidelidade Mundial SA – Company Overview
11.3.1 Companhia de Seguros Fidelidade Mundial SA – key facts
11.4 Ocidental Companhia Portuguesa de Seguros, SA – Company Overview
11.4.1 Ocidental Companhia Portuguesa de Seguros, SA – key facts
11.5 Companhia de Seguros Allianz Portugal SA – Company Overview
11.5.1 Companhia de Seguros Allianz Portugal SA – key facts
11.6 Companhia de Seguros Tranquilidade, SA – Company Overview
11.6.1 Companhia de Seguros Tranquilidade SA – key facts
11.7 Companhia de Seguros Açoreana, SA – Company Overview
11.7.1 Companhia de Seguros Açoreana, SA – key facts
11.8 Axa Portugal Companhia de Seguros, SA – Company Overview
11.8.1 Axa Portugal Companhia de Seguros, SA – key facts
11.9 Lusitania, Companhia de Seguros SA – Company Overview
11.9.1 Lusitania, Companhia de Seguros SA – key facts
11.10 Zurich Insurance Plc – Sucursal em Portugal – Company Overview
11.10.1 Zurich Insurance Plc – Sucursal em Portugal – key facts
11.11 Generali Companhia de Seguros, SpA – Company Overview
11.11.1 Generali Companhia de Seguros SpA  – key facts
11.12 Victoria Seguros de Vida, SA – Company Overview
11.12.1 Victoria Seguros de Vida, SA – key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Lisbon Stock Exchange, Portugal
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 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.7 Manufacturing net output at current prices (US$)
12.2.8 Manufacturing net output at current prices as a percentage of GDP
12.2.9 Mining, manufacturing and utilities at current prices (US$)
12.2.10 Mining, manufacturing and utilities at current prices, as a percentage of GDP
12.2.11 Construction net output at current prices, (US$)
12.2.12 Construction net output at current prices as a percentage of GDP
12.2.13 Inflation rate
12.2.14 Merchandise exports as a percentage of GDP
12.2.15 Goods imports as a percentage of GDP
12.2.16 Exports growth
12.2.17 Imports growth
12.2.18 Annual average exchange rate EUR–US$
12.3 Infrastructure Quality and Availability
12.3.1 Commercial vehicle exports – total value
12.3.2 Commercial vehicle 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: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2012
Table 3: Portuguese Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012
Table 4: Portuguese Insurance – Overall Written Premium by Segment (EUR Billion), 2012–2017
Table 5: Portuguese Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017
Table 6: Portuguese Insurance – Segmentation (Percentage Share), 2008–2017
Table 7: Portuguese Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2008–2012
Table 8: Portuguese Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2008–2012
Table 9: Portuguese Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2012–2017
Table 10: Portuguese Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2012–2017
Table 11: Portuguese Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2008–2012
Table 12: Portuguese Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2012–2017
Table 13: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2008–2012
Table 14: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2008–2012
Table 15: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2012–2017
Table 16: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2012–2017
Table 17: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2008–2012
Table 18: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2008–2012
Table 19: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2012–2017
Table 20: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2012–2017
Table 21: Portuguese Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Table 22: Portuguese Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Table 23: Portuguese Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2008–2012
Table 24: Portuguese Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2012–2017
Table 25: Portuguese Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Table 26: Portuguese Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Table 27: Portuguese Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2008–2012
Table 28: Portuguese Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2012–2017
Table 29: Portuguese Personal Accident and Health Insurance – Total Assets (EUR Billion), 2008–2012
Table 30: Portuguese Personal Accident and Health Insurance – Total Assets (EUR Billion), 2012–2017
Table 31: Portuguese Personal Accident and Health Insurance – Retentions (EUR Billion), 2008–2012
Table 32: Portuguese Personal Accident and Health Insurance – Retentions (EUR Billion), 2012–2017
Table 33: Portuguese Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 34: Portuguese Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 35: Portuguese Personal Accident Insurance – Written Premium (EUR Billion), 2008–2012
Table 36: Portuguese Personal Accident Insurance – Written Premium (EUR Billion), 2012–2017
Table 37: Portuguese Personal Accident Insurance – Loss Ratio (%), 2008–2012
Table 38: Portuguese Personal Accident Insurance – Loss Ratio (%), 2012–2017
Table 39: Portuguese Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 40: Portuguese Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 41: Portuguese Travel Insurance – Written Premium (EUR Million), 2008–2012
Table 42: Portuguese Travel Insurance – Written Premium (EUR Million), 2012–2017
Table 43: Portuguese Travel Insurance – Loss Ratio (%), 2008–2012
Table 44: Portuguese Travel Insurance – Loss Ratio (%), 2012–2017
Table 45: Portuguese Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 46: Portuguese Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 47: Portuguese Non-Life Health Insurance – Written Premium (EUR Billion), 2008–2012
Table 48: Portuguese Non-Life Health Insurance – Written Premium (EUR Billion), 2012–2017
Table 49: Portuguese Non-Life Health Insurance – Loss Ratio (%), 2008–2012
Table 50: Portuguese Non-Life Health Insurance – Loss Ratio (%), 2012–2017
Table 51: Portuguese Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2008–2012
Table 52: Portuguese Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2012–2017
Table 53: Portuguese Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2008–2012
Table 54: Portuguese Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2012–2017
Table 55: Portuguese Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 56: Portuguese Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 57: Portuguese Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 58: Portuguese Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 59: Portuguese Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2008–2012
Table 60: Portuguese Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2012–2017
Table 61: Portuguese Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2008–2012
Table 62: Portuguese Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2012–2017
Table 63: Portuguese Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 64: Portuguese Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 65: Portuguese Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Table 66: Portuguese Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Table 67: Portuguese Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2008–2012
Table 68: Portuguese Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2012–2017
Table 69: Portuguese Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2008–2012
Table 70: Portuguese Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2012–2017
Table 71: Portuguese Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Table 72: Portuguese Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Table 73: Portuguese Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Table 74: Portuguese Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Table 75: Portuguese Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2008–2012
Table 76: Portuguese Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2012–2017
Table 77: Portuguese Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2008–2012
Table 78: Portuguese Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2012–2017
Table 79: Portuguese Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Table 80: Portuguese Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Table 81: Portuguese Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Table 82: Portuguese Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Table 83: Portuguese Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2008–2012
Table 84: Portuguese Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2012–2017
Table 85: Portuguese Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Million), 2008–2012
Table 86: Portuguese Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Million), 2012–2017
Table 87: Portuguese Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Table 88: Portuguese Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Table 89: Portuguese Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Table 90: Portuguese Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Table 91: Reinsurance in Portugal by Category (EUR Billion), 2008–2012
Table 92: Reinsurance in Portugal by Category (US$ Billion), 2008–2012
Table 93: Reinsurance in Portugal by Category (EUR Billion), 2012–2017
Table 94: Reinsurance in Portugal by Category (US$ Billion), 2012–2017
Table 95: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2012
Table 96: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008–2012
Table 97: Portuguese Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2012–2017
Table 98: Portuguese Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012–2017
Table 99: Portuguese Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 100: Portuguese Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 101: Portugal – Life Insurance Regulatory Framework
Table 102: Portugal – Property Insurance Regulatory Framework
Table 103: Portugal – Motor Insurance Regulatory Framework
Table 104: Portugal – Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
Table 105: Portugal – Stamp Duty on Insurance Premium
Table 106: Portugal – Corporate Tax Rates for the Financial Year 2013
Table 107: Share of Key Insurers in Portuguese Personal Accident and Health Insurance Segment, 2012
Table 108: Companhia de Seguros Fidelidade Mundial SA, Key Facts
Table 109: Ocidental Companhia Portuguesa de Seguros, SA, Key Facts
Table 110: Companhia de Seguros Allianz Portugal SA, Key Facts
Table 111: Companhia de Seguros Tranquilidade SA, Key Facts
Table 112: Companhia de Seguros Açoreana, SA, Key Facts
Table 113: Axa Portugal Companhia de Seguros, SA, Key Facts
Table 114: Lusitania, Companhia de Seguros SA, Key Facts
Table 115: Zurich Insurance Plc - Sucursal em Portugal, Key Facts
Table 116: Generali Companhia de Seguros, SpA , Key Facts
Table 117: Victoria Seguros de Vida, SA, Key Facts

List of Chart


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

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