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

Published By :

Timetric

Published Date : Mar 2015

Category :

Health Insurance

No. of Pages : 216 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 category
  • Key trends, drivers and challenges for the personal accident and health insurance segment
  • The various distribution channels in the Portuguese personal accident and health insurance segment
  • The detailed competitive landscape in the personal accident and health insurance segment in Portugal
  • Detailed regulatory policies of the Portuguese insurance industry
  • Analysis of various consumer segments in Portuguese personal accident and health insurance
  • Key developments in the Portuguese personal accident and health insurance segment
  • New products launched by Portuguese personal accident and health insurers
Executive summary

  • Personal accident and health insurance was the smallest segment in 2013. Health insurance was the dominant category during the review period (2009–2013), followed by personal accident and travel insurance. The sales of health and travel policies increased during the review period, while personal accident sales declined. In order to decrease the financial deficit, the government implemented certain austerity measures to reduce public spending, due to which public healthcare spending was also reduced. This increased the demand for private health insurers to have health cover. 
  • The health insurance category registered a compounded annual growth rate (CAGR) of 3.5% during the review period. Increases in disposable income and the benefits of private health insurers are expected to increase demand over the forecast period (2013–2018). The gross written premium of the health insurance category is expected to increase at a forecast-period CAGR of 2.3%. Travel insurance was the fastest-growing category during the review period, with a CAGR of 11.7%, primarily due to the increasing number of thefts targeting travelers’ luggage. This category is expected to register a CAGR of 6.9% over the forecast period.

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 2009–2013 review period, and projected figures for the 2013–2018 forecast period.
  • It offers a detailed analysis of the key categories in the Portuguese 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 Portugal.
  • 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 Portuguese personal accident and health insurance segment and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the Portuguese 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 Portuguese insurance industry and their impact on companies and the industry's future.
Key highlights

  • Personal accident and health insurance was the smallest segment in 2013. Health insurance was the dominant category during the review period (2009–2013), followed by personal accident and travel insurance.
  • The sales of health and travel policies increased during the review period, while personal accident sales declined.
  • The Portuguese government implemented various austerity measures to control the budget deficit arising due to the recession, leading to a cut in public health expenditure.
  • This encouraged people to take out private health insurance to maintain coverage, which propelled the growth of private health insurers.
  • The demand for personal accident insurance declined during the review period, due to the overall decreasing number of accidents.
  • The increasing demand for travel insurance is due to the increasing number of crimes targeting tourists.
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 Portuguese Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009–2018

5 Personal Accident and Health Insurance Segment 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

6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 Brokers
6.5 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 Motor vehicle third-party liability insurance
7.3.2 Fire insurance for property damage
7.3.3 Air carriers and aircraft operators insurance
7.4 Supervision and Control
7.4.1 International regulatory authority
7.4.2 European Insurance and Occupational Pensions Authority
7.4.3 Portugal Insurance Institute
7.4.4 Portuguese Association of Insurers
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 Portuguese Personal Accident and Health Insurance Segment
8.3 Leading Personal Accident and Health Insurers – Product Launches
8.4 Leading Personal Accident and Health Insurers – Key Developments
8.5 Fidelidade Companhia de Seguros SA – Company Overview
8.5.1 Fidelidade Companhia de Seguros SA – key facts
8.6 Ocidental - Companhia Portuguesa de Seguros SA – Company Overview
8.6.1 Ocidental - Companhia Portuguesa de Seguros SA – key facts
8.7 Companhia de Seguros Allianz Portugal SA – Company Overview
8.7.1 Companhia de Seguros Allianz Portugal SA – key facts
8.8 Companhia de Seguros Tranquilidade SA – Company Overview
8.8.1 Companhia de Seguros Tranquilidade SA – key facts
8.9 Companhia de Seguros Açoreana SA – Company Overview
8.9.1 Companhia de Seguros Açoreana SA – key facts
8.10 Axa Portugal Companhia de Seguros SA – Company Overview
8.10.1 Axa Portugal Companhia de Seguros SA – key facts
8.11 Generali – Companhia de Seguros SA – Company Overview
8.11.1 Generali – Companhia de Seguros SA – key facts
8.12 Zurich Insurance Plc – Sucursal em Portugal – Company Overview
8.12.1 Zurich Insurance Plc – Sucursal em Portugal – key facts
8.13 Lusitania, Companhia de Seguros SA – Company Overview
8.13.1 Lusitania, Companhia de Seguros SA – key facts
8.14 Victoria Seguros de Vida SA – Company Overview
8.14.1 Victoria Seguros de Vida SA – key facts

9 Appendix – 1
9.1 Business Confidence
9.1.1 Market capitalization trend – Euronext Lisbon, Portugal
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$)
9.2.11 Mining, manufacturing and utilities at current prices as a percentage of GDP
9.2.12 Construction net output at current prices (US$)
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 exports growth
9.2.18 Merchandise imports growth
9.2.19 Annual average exchange rate EUR–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 Household consumption expenditure (US$)
9.5.2 Total population
9.5.3 Urban and rural population
9.5.4 Age distribution of the total population
9.5.5 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: Portuguese Personal Accident and Health Insurance – Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Portuguese Insurance Industry – Gross Written Premium by Segment (EUR Billion), 2009–2013
Table 4: Portuguese Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 5: Portuguese Insurance Industry – Gross Written Premium by Segment (EUR Billion), 2013–2018
Table 6: Portuguese Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 7: Portuguese Insurance Industry – Gross Written Premium by Segment (Percentage Share), 2009–2018
Table 8: Portuguese Insurance Industry – Direct Written Premium by Segment (EUR Billion), 2009–2013
Table 9: Portuguese Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 10: Portuguese Insurance Industry – Direct Written Premium by Segment (EUR Billion), 2013–2018
Table 11: Portuguese Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 12: Portuguese Insurance Industry – Direct Written Premium by Segment (Percentage Share), 2009–2018
Table 13: Portuguese Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Million), 2009–2013
Table 14: Portuguese Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2009–2013
Table 15: Portuguese Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Million), 2013–2018
Table 16: Portuguese Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2013–2018
Table 17: Portuguese Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2009–2013
Table 18: Portuguese Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2009–2013
Table 19: Portuguese Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Million), 2013–2018
Table 20: Portuguese Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2013–2018
Table 21: Portuguese Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2009–2013
Table 22: Portuguese Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2013–2018
Table 23: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2009–2013
Table 24: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2009–2013
Table 25: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2013–2018
Table 26: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2013–2018
Table 27: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2009–2013
Table 28: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2009–2013
Table 29: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2013–2018
Table 30: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2013–2018
Table 31: Portuguese Personal Accident and Health Insurance – Retentions by Category (EUR Million), 2009–2013
Table 32: Portuguese Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2009–2013
Table 33: Portuguese Personal Accident and Health Insurance – Retentions by Category (EUR Million), 2013–2018
Table 34: Portuguese Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2013–2018
Table 35: Portuguese Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Portuguese Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Portuguese Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2009–2013
Table 38: Portuguese Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2013–2018
Table 39: Portuguese Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Portuguese Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Portuguese Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2009–2013
Table 42: Portuguese Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2013–2018
Table 43: Portuguese Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Table 44: Portuguese Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Table 45: Portuguese Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2009–2013
Table 46: Portuguese Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2013–2018
Table 47: Portuguese Personal Accident and Health Insurance – Retentions (EUR Billion), 2009–2013
Table 48: Portuguese Personal Accident and Health Insurance – Retentions (EUR Billion), 2013–2018
Table 49: Portuguese Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 50: Portuguese Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 51: Portuguese Personal Accident Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 52: Portuguese Personal Accident Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 53: Portuguese Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Portuguese Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Portuguese Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 56: Portuguese Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 57: Portuguese Travel Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 58: Portuguese Travel Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 59: Portuguese Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Portuguese Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Portuguese Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 62: Portuguese Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 63: Portuguese Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 64: Portuguese Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 65: Portuguese Health Insurance – Direct Written Premium (EUR Million), 2009–2013
Table 66: Portuguese Health Insurance – Direct Written Premium (EUR Million), 2013–2018
Table 67: Portuguese Health Insurance – Loss Ratio (%), 2009–2013
Table 68: Portuguese Health Insurance – Loss Ratio (%), 2013–2018
Table 69: Portuguese Health Insurance – Retentions (EUR Million), 2009–2013
Table 70: Portuguese Health Insurance – Retentions (EUR Million), 2013–2018
Table 71: Portuguese Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Table 72: Portuguese Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Table 73: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 74: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 75: Portuguese Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 76: Portuguese Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 77: Portuguese Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 78: Portuguese Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 79: Portuguese Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Table 80: Portuguese Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Table 81: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 82: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 83: Portuguese Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 84: Portuguese Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 85: Portuguese Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 86: Portuguese Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 87: Portuguese Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2009–2013
Table 88: Portuguese Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2013–2018
Table 89: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 90: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 91: Portuguese Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 92: Portuguese Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 93: Portuguese Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 94: Portuguese Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 95: Portuguese Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2009–2013
Table 96: Portuguese Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2013–2018
Table 97: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 98: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 99: Portuguese Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Table 100: Portuguese Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Table 101: Portuguese Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 102: Portuguese Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 103: Portuguese Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2009–2013
Table 104: Portuguese Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2013–2018
Table 105: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 106: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 107: Portuguese Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 108: Portuguese Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 109: Portuguese Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 110: Portuguese Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 111: Portugal – Life Insurance Regulatory Framework
Table 112: Portugal – Property Insurance Regulatory Framework
Table 113: Portugal – Motor Insurance Regulatory Framework
Table 114: Portugal – Liability Insurance Regulatory Framework
Table 115: Portugal – Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
Table 116: Portugal – Stamp Duty on Insurance Premium
Table 117: Portugal – Corporate Tax Rates for the Financial Year 2014
Table 118: Share of Key Insurers in Portuguese Personal Accident and Health Insurance Segment, 2013
Table 119: Fidelidade Companhia de Seguros SA – Key Facts
Table 120: Ocidental - Companhia Portuguesa de Seguros SA – Key Facts
Table 121: Companhia de Seguros Allianz Portugal SA – Key Facts
Table 122: Companhia de Seguros Tranquilidade SA – Key Facts
Table 123: Companhia de Seguros Açoreana SA – Key Facts
Table 124: Axa Portugal Companhia de Seguros SA – Key Facts
Table 125: Generali – Companhia de Seguros SA – Key Facts
Table 126: Zurich Insurance Plc – Sucursal em Portugal – Key Facts
Table 127: Lusitania, Companhia de Seguros SA – Key Facts
Table 128: Victoria Seguros de Vida SA – Key Facts

List of Chart

Figure 1: Portuguese Insurance Industry – Gross Written Premium by Segment (EUR Billion), 2009–2018
Figure 2: Portuguese Insurance Industry – Gross Written Premium Dynamics by Segment (2009–2018)
Figure 3: Portuguese Insurance Industry – Direct Written Premium by Segment (EUR Billion), 2009–2018
Figure 4: Portuguese Insurance Industry – Direct Written Premium Dynamics by Segment (2009–2018)
Figure 5: Portuguese Insurance Industry – Gross Written Premium and Health Expenditure Statistics, 2009−2013
Figure 6: Portuguese Insurance Industry – Distribution of Employment by Sector (%), 2010–2012
Figure 7: Portuguese Insurance Industry – Population Distribution by Gender and Age Group, 2014
Figure 8: Portuguese Insurance Industry – Outbound Tourism (Million), 2009–2013
Figure 9: Portuguese Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Million), 2009–2018
Figure 10: Portuguese Personal Accident and Health Insurance – Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 11: Portuguese Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 12: Portuguese Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Million), 2009–2018
Figure 13: Portuguese Personal Accident and Health Insurance – Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 14: Portuguese Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 15: Portuguese Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2009–2013
Figure 16: Portuguese Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2013–2018
Figure 17: Portuguese Personal Accident and Health Insurance – Paid Claims by Category (EUR Million), 2009–2018
Figure 18: Portuguese Personal Accident and Health Insurance – Incurred Loss by Category (EUR Million), 2009–2018
Figure 19: Portuguese Personal Accident and Health Insurance – Retentions by Category (EUR Million), 2009–2018
Figure 20: Portuguese Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 21: Portuguese Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 22: Portuguese Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2009–2013
Figure 23: Portuguese Personal Accident and Health Insurance – Commission and Expenses (EUR Million), 2013–2018
Figure 24: Portuguese Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 25: Portuguese Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 26: Portuguese Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2009–2013
Figure 27: Portuguese Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2013–2018
Figure 28: Portuguese Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Figure 29: Portuguese Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Figure 30: Portuguese Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2009–2013
Figure 31: Portuguese Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2013–2018
Figure 32: Portuguese Personal Accident and Health Insurance – Retentions (EUR Billion), 2009–2013
Figure 33: Portuguese Personal Accident and Health Insurance – Retentions (EUR Billion), 2013–2018
Figure 34: Portuguese Personal Accident and Health Insurance – Investment Portfolio (EUR Million), 2009–2013
Figure 35: Portuguese Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013
Figure 36: Portuguese Personal Accident and Health Insurance – Penetration (%), 2009–2013
Figure 37: Portuguese Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 38: Portuguese Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 39: Portuguese Personal Accident and Health Insurance – Premium Per Capita (EUR), 2009–2013
Figure 40: Portuguese Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 41: Portuguese Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 42: Portuguese Personal Accident Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 43: Portuguese Personal Accident Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 44: Portuguese Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 45: Portuguese Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 46: Portuguese Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 47: Portuguese Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 48: Portuguese Travel Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 49: Portuguese Travel Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 50: Portuguese Travel Insurance – Loss Ratio (%), 2009–2013
Figure 51: Portuguese Travel Insurance – Loss Ratio (%), 2013–2018
Figure 52: Portuguese Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 53: Portuguese Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 54: Portuguese Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 55: Portuguese Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 56: Portuguese Health Insurance – Direct Written Premium (EUR Million), 2009–2013
Figure 57: Portuguese Health Insurance – Direct Written Premium (EUR Million), 2013–2018
Figure 58: Portuguese Health Insurance – Loss Ratio (%), 2009–2013
Figure 59: Portuguese Health Insurance – Loss Ratio (%), 2013–2018
Figure 60: Portuguese Health Insurance – Retentions (EUR Million), 2009–2013
Figure 61: Portuguese Health Insurance – Retentions (EUR Million), 2013–2018
Figure 62: Portuguese Personal Accident and Health Insurance – Gross Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 63: Portuguese Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Figure 64: Portuguese Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Figure 65: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 66: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 67: Portuguese Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 68: Portuguese Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 69: Portuguese Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 70: Portuguese Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 71: Portuguese Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Figure 72: Portuguese Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Figure 73: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 74: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 75: Portuguese Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 76: Portuguese Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 77: Portuguese Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 78: Portuguese Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 79: Portuguese Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2009–2013
Figure 80: Portuguese Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2013–2018
Figure 81: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 82: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 83: Portuguese Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 84: Portuguese Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 85: Portuguese Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 86: Portuguese Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 87: Portuguese Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2009–2013
Figure 88: Portuguese Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2013–2018
Figure 89: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 90: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 91: Portuguese Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Figure 92: Portuguese Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Figure 93: Portuguese Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 94: Portuguese Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 95: Portuguese Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2009–2013
Figure 96: Portuguese Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2013–2018
Figure 97: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 98: Portuguese Personal Accident and Health Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 99: Portuguese Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 100: Portuguese Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 101: Portuguese Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 102: Portuguese Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 103: Portugal – Insurance Regulatory Framework
Figure 104: Portugal – The Three Pillars of Solvency II
Figure 105: Portugal – Insurance Supervision and Control at Various Levels
Figure 106: Portugal – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 107: Share of Key Insurers in Portuguese Personal Accident and Health Insurance Segment, 2013
Figure 108: Portugal, Euronext Lisbon Market Capitalization (US$ Billion), 2008–2012
Figure 109: Portuguese GDP at Constant Prices (US$ Billion), 2009–2013
Figure 110: Portuguese GDP Per Capita at Constant Prices (US$), 2009–2013
Figure 111: Portuguese GDP at Current Prices (US$ Billion), 2009–2013
Figure 112: Portuguese GDP Per Capita at Current Prices (US$), 2009–2013
Figure 113: Portuguese GDP by Key Segments (%), 2008 and 2012
Figure 114: Portuguese Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 115: Portuguese Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 116: Portuguese Manufacturing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 117: Portuguese Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 118: Portuguese Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008–2012
Figure 119: Portuguese Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 120: Portuguese Construction Net Output at Current Prices (US$ Billion), 2008–2012
Figure 121: Portuguese Construction Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 122: Portuguese Inflation Rate (%), 2009–2013
Figure 123: Portuguese Exports as a Percentage of GDP (%), 2008–2012
Figure 124: Portuguese Imports as a Percentage of GDP (%), 2008–2012
Figure 125: Portuguese Merchandise Exports Growth (%), 2009–2012
Figure 126: Portuguese Merchandise Imports Growth (%), 2009–2012
Figure 127: Portuguese Annual Average Exchange Rate US$–EUR, 2009–2013
Figure 128: Portuguese Commercial Vehicles Exports – Total Value (US$ Million), 2009–2013
Figure 129: Portuguese Commercial Vehicles Imports – Total Value (US$ Million), 2009–2013
Figure 130: Portuguese Automotive Exports – Total Value (US$ Billion), 2009–2013
Figure 131: Portuguese Automotive Imports – Total Value (US$ Billion), 2009–2013
Figure 132: Portuguese Internet Subscriptions (Millions), 2009–2013
Figure 133: Portuguese Size of Labor Force (Million), 2008–2012
Figure 134: Portuguese Unemployment Rate (%), 2009–2013
Figure 135: Portuguese Household Consumption Expenditure (US$ Billion), 2009–2013
Figure 136: Portuguese Total Population (Million), 2009–2013
Figure 137: Portuguese Urban and Rural Population (%), 2009–2013
Figure 138: Portuguese Population Distribution by Age (%), 2008–2012
Figure 139: Portuguese Life Expectancy (Number of Years), 2009–2013

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