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

Published By :

Timetric

Published Date : Jun 2013

Category :

Health Insurance

No. of Pages : 224 Pages


Synopsis

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

  • The Romanian personal accident and health insurance market’s growth prospects by insurance categories
  • Key trends and drivers for the personal accident and health insurance segment
  • The various distribution channels in the Romanian personal accident and health insurance segment
  • Detailed competitive landscape in the personal accident and health insurance segment in Romania
  • A description of the personal accident and health reinsurance segment in Romania
  • Porter\'s Five Forces Analysis of the personal accident and health insurance segment

Executive summary

The Romanian personal accident and health insurance segment is small in terms of the total Romanian insurance industry’s gross written premium in 2012. Negative automotive output, global financial troubles and sovereign debt crises in the EU had an impact on the overall growth of the segment. Despite these limiting factors, the segment demonstrated significant growth during the review period. Innovative product strategies by insurers, rising healthcare expenditure and a favorable regulatory framework contributed to this growth.

Scope

This report provides a comprehensive analysis of the personal accident and health insurance market in Romania:

  • It provides historical values for Romania\'s personal accident and health insurance market 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 Romania\'s personal accident and health insurance market, 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 Romania
  • Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Romania for the personal accident and health insurance business
  • It provides a detailed analysis of the reinsurance market in Romania and its growth prospects
  • It profiles the top personal accident and health insurance companies in Romania and outlines the key regulations affecting them

Reasons to buy

  • Make strategic business decisions using historic and forecast market data related to the Romanian personal accident and health insurance market and each sector within it
  • Understand the demand-side dynamics, key market trends and growth opportunities within the Romanian personal accident and health insurance market
  • Assess the competitive dynamics in the personal accident and health insurance market, along with the reinsurance segment
  • Identify the growth opportunities and market dynamics within key product categories
  • Gain insights into key regulations governing the Romanian insurance market and its impact on companies and the market\'s future

Key highlights

  • The Romanian personal accident and health insurance segment is small, accounting for just 2.3% of the total Romanian insurance industry’s gross written premium in 2012.
  • Favorable demographic factors such as increased life expectancy and a growing urban population are expected to improve consumer confidence in, and accelerate demand for, health and travel insurance products over the forecast period.
  • The Romanian government introduced the health insurance card in January 2013, which all Romanians aged over 18 years are expected to maintain.
  • The implementation of Solvency II is likely to have little impact in Romania, as the industry consists primarily of smaller insurance providers which are expected to take quick measures to comply with its requirements.
  • Consumer awareness plays a critical role in the development of the insurance industry and has been a key focus of the National Association of the Insurance and Reinsurance Companies (UNSAR).
Table of contents

1 Executive Summary 

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

3 Romanian Insurance Industry Attractiveness 
3.1 Insurance Industry Market Size, 2008–2017 
3.2 Key Industry Trends and Drivers 
3.2.1 Business drivers 
3.2.2 Product and targeting strategies 

4 Personal Accident and Health Insurance Outlook 
4.1 Personal Accident and Health Insurance Growth Prospects 
4.1.1 Personal accident 
4.1.2 Travel insurance 
4.1.3 Health insurance 
4.1.4 Non-life health insurance 
4.1.5 Life health insurance 

5 Analysis by Distribution Channels 
5.1 Direct Marketing 
5.2 Bancassurance 
5.3 Agencies 
5.4 E-Commerce 
5.5 Brokers 
5.6 Other channels 

6 Governance, Risk and Compliance 
6.1 Legislation Overview and Historical Evolution 
6.2 Legislation Trends by Type of Insurance 
6.2.1 Life insurance regulatory trends 
6.2.2 Property insurance regulatory trends 
6.2.3 Motor insurance regulatory trends 
6.2.4 Liability insurance regulatory trends 
6.2.5 Marine, aviation and transit insurance regulatory trends 
6.2.6 Health insurance regulatory trends 
6.3 Compulsory Insurance 
6.3.1 Compulsory motor third-party liability insurance 
6.3.2 Compulsory insurance of dwellings against earthquakes, landslides and flooding 
6.4 Supervision and Control 
6.4.1 International Association of Insurance Supervisors 
6.4.2 European Insurance and Occupational Pensions Authority 
6.4.3 Insurance Supervisory Commission 
6.5 Non-Admitted Insurance Regulatory Trends 
6.5.1 Overview 
6.5.2 Intermediaries 
6.5.3 Market practices 
6.5.4 Fines and penalties 
6.6 Company Registration and Operations 
6.6.1 Types of insurance organization 
6.6.2 Establishing a local company 
6.6.3 Foreign ownership 
6.6.4 Types of license 
6.6.5 Capital requirements 
6.6.6 Solvency margins 
6.6.7 Reserve requirements 
6.6.8 Investment regulations 
6.6.9 Statutory return requirements 
6.7 Taxation 
6.7.1 Insurance premium or policy taxation 
6.7.2 Corporate tax 
6.7.3 VAT 
6.7.4 Captives 
6.8 Legal System 
6.8.1 Introduction 
6.8.2 Access to court 
6.8.3 Alternative dispute resolution (ADR) 

7 Porter’s Five Forces Analysis – Romanian Personal Accident and Health Insurance 
7.1 Bargaining Power of Supplier: Low to Medium 
7.2 Bargaining Power of Buyer: Medium 
7.3 Barriers to Entry: Low to Medium 
7.4 Intensity of Rivalry: Low 
7.5 Threat of Substitutes: Medium 

8 Reinsurance Growth Dynamics and Challenges 
8.1 Reinsurance Segment Size, 2008–2017 
8.2 Reinsurance Segment Size by Type of Insurance, 2008–2012 

9 Competitive Landscape and Strategic Insight 
9.1 Overview 
9.2 Leading Companies in the Romanian Personal Accident and Health Insurance Segment 
9.3 BCR Asigurări de Viaţă – Company Overview 
9.3.1 BCR Asigurări de Viaţă – key facts 
9.4 Eureko Romania – Company Overview 
9.4.1 Eureko Romania – key facts 
9.4.2 Eureko Romania – key financials 
9.5 Allianz-Å¢iriac Asigurări S.A. – Company Overview 
9.5.1 Allianz-Å¢iriac Asigurări S.A. – key facts 
9.5.2 Allianz-Å¢iriac Asigurări S.A. – key financials 
9.6 Omniasig Vig S.A – Company Overview 
9.6.1 Omniasig Vig S.A – key facts 
9.6.2 Omniasig Vig S.A – key financials 
9.7 AXA Asigurări – Company Overview 
9.7.1 AXA Asigurări – key facts 
9.7.2 AXA Asigurări – key financials 
9.8 UNIQA Asigurări S.A. – Company Overview 
9.8.1 UNIQA Asigurări S.A. – key facts 
9.8.2 UNIQA Asigurări S.A. – key financials 
9.9 Astra Asigurări – Company Overview 
9.9.1 Astra Asigurări – key facts 
9.9.2 Astra Asigurări – key financials 
9.1 Asirom Vienna Insurance Group S.A. – Company Overview 
9.10.1 Asirom Vienna Insurance Group S.A. – key facts 
9.10.2 Asirom Vienna Insurance Group S.A. – key financials 
9.11 Guarantee Insurance S.A. – Company Overview 
9.11.1 Guarantee Insurance S.A. – key facts 
9.11.2 Guarantee Insurance S.A. – key financials 

10 Business Environment and Country Risk 
10.1 Business Confidence 
10.1.1 Market capitalization trend – Bucharest Stock Exchange, Romania 
10.2 Economic Performance 
10.2.1 GDP at constant prices (US$) 
10.2.2 GDP per capita at constant prices (US$) 
10.2.3 GDP at current prices (US$) 
10.2.4 GDP per capita at current prices (US$) 
10.2.5 GDP by key segments 
10.2.6 Agriculture, hunting, forestry, fishing net output at current prices (RON) 
10.2.7 Agriculture, hunting, forestry, fishing net output at current prices (US$) 
10.2.8 Agriculture, hunting, forestry, fishing net output at current prices as a percentage of GDP 
10.2.9 Manufacturing net output at current prices (RON) 
10.2.10 Manufacturing net output at current prices (US$) 
10.2.11 Manufacturing net output at current prices as a percentage of GDP 
10.2.12 Mining, manufacturing and utilities net output at current prices (RON) 
10.2.13 Mining, manufacturing and utilities at current prices (US$) 
10.2.14 Mining, manufacturing and utilities at current prices as a percentage of GDP 
10.2.15 Construction net output at current prices (RON) 
10.2.16 Construction net output at current prices (US$) 
10.2.17 Construction net output at current prices as a percentage of GDP 
10.2.18 Inflation rate 
10.2.19 Exports as a percentage of GDP 
10.2.20 Imports as a percentage of GDP 
10.2.21 Exports growth 
10.2.22 Imports growth 
10.2.23 Annual average exchange rate (RON–US$) 
10.3 Infrastructure 
10.3.1 Commercial vehicles exports total value 
10.3.2 Commercial vehicles imports total value 
10.3.3 Automotive exports total value 
10.3.4 Automotive imports total value 
10.3.5 Total internet subscribers 
10.4 Labor Force 
10.4.1 Labor force 
10.4.2 Unemployment rate 
10.5 Demographics 
10.5.1 Gross national disposable income (US$) 
10.5.2 Total population 
10.5.3 Urban and rural populations 
10.5.4 Median age of the population 
10.5.5 Age distribution of the total population 

11 Appendix 
11.1 Methodology 
11.2 Contact Us 
11.3 About Timetric 
11.4 Disclaimer

List of Table


Table 1: Insurance Industry Definitions 
Table 2: Romanian Insurance – Overall Written Premium by Segment (RON Billion), 2008–2012 
Table 3: Romanian Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012 
Table 4: Romanian Insurance – Overall Written Premium by Segment (RON Billion), 2012–2017 
Table 5: Romanian Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017 
Table 6: Romanian Insurance – Segmentation (% Share), 2008–2017 
Table 7: Romanian Personal Accident and Health Insurance – Written Premium by Category (RON Million), 2008–2012 
Table 8: Romanian Personal Accident and Health Insurance – Written Premium by Category (US$ Million), 2008–2012 
Table 9: Romanian Personal Accident and Health Insurance – Written Premium by Category (RON Million), 2012–2017 
Table 10: Romanian Personal Accident and Health Insurance – Written Premium by Category (US$ Million), 2012–2017 
Table 11: Romanian Personal Accident and Health Insurance – Earned Premium (RON Million), 2008–2012 
Table 12: Romanian Personal Accident and Health Insurance – Earned Premium (RON Million), 2012–2017 
Table 13: Romanian Personal Accident and Health Insurance – Paid Claims by Category (RON Million), 2008–2012 
Table 14: Romanian Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2008–2012 
Table 15: Romanian Personal Accident and Health Insurance – Paid Claims by Category (RON Million), 2012–2017 
Table 16: Romanian Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2012–2017 
Table 17: Romanian Personal Accident and Health Insurance – Incurred Loss by Category (RON Million), 2008–2012 
Table 18: Romanian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2008–2012 
Table 19: Romanian Personal Accident and Health Insurance – Incurred Loss by Category (RON Million), 2012–2017 
Table 20: Romanian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2012–2017 
Table 21: Romanian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012 
Table 22: Romanian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017 
Table 23: Romanian Personal Accident and Health Insurance – Commission and Expenses (RON Million), 2008–2012 
Table 24: Romanian Personal Accident and Health Insurance – Commission and Expenses (RON Million), 2012–2017 
Table 25: Romanian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012 
Table 26: Romanian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017 
Table 27: Romanian Personal Accident and Health Insurance – Frauds and Crimes (RON Million), 2008–2012
Table 28: Romanian Personal Accident and Health Insurance – Frauds and Crimes (RON Million), 2012–2017
Table 29: Romanian Personal Accident and Health Insurance – Total Assets (RON Million), 2008–2012 
Table 30: Romanian Personal Accident and Health Insurance – Total Assets (RON Million), 2012–2017 
Table 31: Romanian Personal Accident and Health Insurance – Total Investment Income (RON Million), 2008–2012 
Table 32: Romanian Personal Accident and Health Insurance – Total Investment Income (RON Million), 2012–2017 
Table 33: Romanian Personal Accident and Health Insurance – Retentions (RON Million), 2008–2012 
Table 34: Romanian Personal Accident and Health Insurance – Retentions (RON Million), 2012–2017 
Table 35: Romanian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012 
Table 36: Romanian Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017 
Table 37: Romanian Personal Accident Insurance – Written Premium (RON Million), 2008–2012 
Table 38: Romanian Personal Accident Insurance – Written Premium (RON Million), 2012–2017 
Table 39: Romanian Personal Accident Insurance – Loss Ratio (%), 2008–2012 
Table 40: Romanian Personal Accident Insurance – Loss Ratio (%), 2012–2017 
Table 41: Romanian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012 
Table 42: Romanian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017 
Table 43: Romanian Travel Insurance – Written Premium (RON Million), 2008–2012 
Table 44: Romanian Travel Insurance – Written Premium (RON Million), 2012–2017 
Table 45: Romanian Travel Insurance – Loss Ratio (%), 2008–2012 
Table 46: Romanian Travel Insurance – Loss Ratio (%), 2012–2017 
Table 47: Romanian Health Insurance – Written Premium by Sub-Category (RON Million), 2008–2012 
Table 48: Romanian Health Insurance – Written Premium by Sub-Category (US$ Million), 2008–2012 
Table 49: Romanian Health Insurance – Written Premium by Sub-Category (RON Million), 2012–2017 
Table 50: Romanian Health Insurance – Written Premium by Sub-Category (US$ Million), 2012–2017 
Table 51: Romanian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012 
Table 52: Romanian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017 
Table 53: Romanian Non-Life Health Insurance – Written Premium (RON Million), 2008–2012 
Table 54: Romanian Non-Life Health Insurance – Written Premium (RON Million), 2012–2017 
Table 55: Romanian Non-Life Health Insurance – Loss Ratio (%), 2008–2012 
Table 56: Romanian Non-Life Health Insurance – Loss Ratio (%), 2012–2017 
Table 57: Romanian Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012 
Table 58: Romanian Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017 
Table 59: Romanian Life Health Insurance – Written Premium (RON Million), 2008–2012 
Table 60: Romanian Life Health Insurance – Written Premium (RON Million), 2012–2017 
Table 61: Romanian Life Health Insurance – Loss Ratio (%), 2008–2012 
Table 62: Romanian Life Health Insurance – Loss Ratio (%), 2012–2017 
Table 63: Romanian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RON Million), 2008–2012 
Table 64: Romanian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RON Million), 2012–2017 
Table 65: Romanian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RON Million), 2008–2012 
Table 66: Romanian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RON Million), 2012–2017 
Table 67: Romanian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012 
Table 68: Romanian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017 
Table 69: Romanian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012 
Table 70: Romanian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017 
Table 71: Romanian Personal Accident and Health Insurance – Bancassurance Commission Paid (RON Million), 2008–2012 
Table 72: Romanian Personal Accident and Health Insurance – Bancassurance Commission Paid (RON Million), 2012–2017 
Table 73: Romanian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RON Million), 2008–2012 
Table 74: Romanian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RON Million), 2012–2017 
Table 75: Romanian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012 
Table 76: Romanian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017 
Table 77: Romanian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012 
Table 78: Romanian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017 
Table 79: Romanian Personal Accident and Health Insurance – Commission Paid to Agencies (RON Million), 2008–2012 
Table 80: Romanian Personal Accident and Health Insurance – Commission Paid to Agencies (RON Million), 2012–2017 
Table 81: Romanian Personal Accident and Health Insurance – Written Premium Through Agencies (RON Million), 2008–2012 
Table 82: Romanian Personal Accident and Health Insurance – Written Premium Through Agencies (RON Million), 2012–2017 
Table 83: Romanian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012 
Table 84: Romanian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017 
Table 85: Romanian Personal Accident and Health Insurance – Number of Agencies, 2008–2012 
Table 86: Romanian Personal Accident and Health Insurance – Number of Agencies, 2012–2017 
Table 87: Romanian Personal Accident and Health Insurance – E-Commerce Commission Paid (RON Million), 2008–2012 
Table 88: Romanian Personal Accident and Health Insurance – E-Commerce Commission Paid (RON Million), 2012–2017 
Table 89: Romanian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RON Million), 2008–2012 
Table 90: Romanian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RON Million), 2012–2017 
Table 91: Romanian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012 
Table 92: Romanian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017 
Table 93: Romanian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012 
Table 94: Romanian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017 
Table 95: Romanian Personal Accident and Health Insurance – Commission Paid to Brokers (RON Million), 2008–2012 
Table 96: Romanian Personal Accident and Health Insurance – Commission Paid to Brokers (RON Million), 2012–2017 
Table 97: Romanian Personal Accident and Health Insurance – Written Premium Through Brokers (RON Million), 2008–2012 
Table 98: Romanian Personal Accident and Health Insurance – Written Premium Through Brokers (RON Million), 2012–2017 
Table 99: Romanian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012 
Table 100: Romanian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017 
Table 101: Romanian Personal Accident and Health Insurance – Number of Brokers, 2008–2012 
Table 102: Romanian Personal Accident and Health Insurance – Number of Brokers, 2012–2017 
Table 103: Romanian Personal Accident and Health Insurance – Commission Paid to Other Channels (RON Million), 2008–2012 
Table 104: Romanian Personal Accident and Health Insurance – Commission Paid to Other Channels (RON Million), 2012–2017 
Table 105: Romanian Personal Accident and Health Insurance – Written Premium Through Other Channels (RON Million), 2008–2012 
Table 106: Romania Personal Accident and Health Insurance – Written Premium Through Other Channels (RON Million), 2012–2017 
Table 107: Romanian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012 
Table 108: Romanian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017 
Table 109: Romanian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012 
Table 110: Romanian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017 
Table 111: Insurance Premium Tax in Romania 
Table 112: Corporate Tax Rates Applicable For Insurance Companies in Romania 
Table 113: Reinsurance in Romania by Category (RON Billion), 2008–2012 
Table 114: Reinsurance in Romania by Category (US$ Billion), 2008–2012 
Table 115: Reinsurance in Romania by Category (RON Billion), 2012–2017 
Table 116: Reinsurance in Romania by Category (US$ Billion), 2012–2017 
Table 117: Romanian Premium Ceded to Reinsurance by Insurance Segment (RON Billion), 2008–2012 
Table 118: Romanian Premium Ceded to Reinsurance by Insurance Segment (US$ Billion), 2008–2012 
Table 119: Romanian Premium Ceded to Reinsurance by Insurance Segment (RON Billion), 2012–2017 
Table 120: Romanian Premium Ceded to Reinsurance by Insurance Segment (US$ Billion), 2012–2017 
Table 121: Romanian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012 
Table 122: Romanian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017 
Table 123: Romanian Personal Accident and Health Insurance – Segment Shares (%), 2011 
Table 124: BCR Asigurări de Viaţă, Key Facts 
Table 125: Eureko Romania, Key Facts 
Table 126: Eureko Romania, Key Financials (RON Million), 2009–2012 
Table 127: Allianz-Å¢iriac Asigurări S.A., Key Facts 
Table 128: Allianz Å¢iriac Asigurări S.A., Key Financials (RON Million), 2008–2012 
Table 129: Omniasig Vig S.A, Key Facts 
Table 130: Omniasig Vig S.A, Key Financials (RON Million), 2008–2012 
Table 131: AXA Asigurări, Key Facts 
Table 132: AXA Asigurări, Key Financials (RON Million), 2010–2012 
Table 133: UNIQA Asigurări S.A., Key Facts 
Table 134: UNIQA Asigurări S.A., Key Financials (RON Million), 2008–2012 
Table 135: Astra Asigurări, Key Facts 
Table 136: Astra Asigurări, Key Financials (RON Million), 2008–2011 
Table 137: Asirom Vienna Insurance Group S.A., Key Facts 
Table 138: Asirom Vienna Insurance Group S.A., Key Financials (RON Million), 2008–2012 
Table 139: Guarantee Insurance S.A., Key Facts 
Table 140: Guarantee Insurance S.A., Key Financials (RON Million)

List of Chart


Figure 1: Romanian Insurance – Overall Written Premium by Segment (RON Billion), 2008–2017
Figure 2: Romanian Insurance – Dynamics by Segment (%), 2008–2017
Figure 3: Romanian Personal Accident and Health Insurance – Written Premium by Category (RON Million), 2008–2017
Figure 4: Romanian Personal Accident and Health Insurance – Written Premium by Category (% Share), 2012 and 2017
Figure 5: Romanian Personal Accident and Health Insurance – Dynamics by Category (%), 2008–2017
Figure 6: Romanian Personal Accident and Health Insurance – Earned Premium (RON Million), 2008–2012
Figure 7: Romanian Personal Accident and Health Insurance – Earned Premium (RON Million), 2012–2017
Figure 8: Romanian Personal Accident and Health Insurance – Paid Claims by Category (RON Million), 2008–2017
Figure 9: Romanian Personal Accident and Health Insurance – Incurred Loss by Category (RON Million), 2008–2017
Figure 10: Romanian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 11: Romanian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 12: Romanian Personal Accident and Health Insurance – Commission and Expenses (RON Million), 2008–2012
Figure 13: Romanian Personal Accident and Health Insurance – Commission and Expenses (RON Million), 2012–2017
Figure 14: Romanian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 15: Romanian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 16: Romanian Personal Accident and Health Insurance – Frauds and Crimes (RON Million), 2008–2012
Figure 17: Romanian Personal Accident and Health Insurance – Frauds and Crimes (RON Million), 2012–2017
Figure 18: Romanian Personal Accident and Health Insurance – Total Assets (RON Million), 2008–2012
Figure 19: Romanian Personal Accident and Health Insurance – Total Assets (RON Million), 2012–2017
Figure 20: Romanian Personal Accident and Health Insurance – Total Investment Income (RON Million), 2008–2012
Figure 21: Romanian Personal Accident and Health Insurance – Total Investment Income (RON Million), 2012–2017
Figure 22: Romanian Personal Accident and Health Insurance – Retentions (RON Million), 2008–2012
Figure 23: Romanian Personal Accident and Health Insurance – Retentions (RON Million), 2012–2017
Figure 24: Romanian Personal Accident and Health Insurance – Investment Portfolio (RON Million), 2008–2012
Figure 25: Romanian Personal Accident and Health Insurance – Investment Portfolio (% Share), 2008 and 2012
Figure 26: Romanian Personal Accident and Health Insurance – Penetration (% of GDP), 2008–2012
Figure 27: Romanian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 28: Romanian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 29: Romanian Personal Accident and Health Insurance – Premium per Capita (RON), 2008–2012
Figure 30: Romanian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 31: Romanian Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 32: Romanian Personal Accident Insurance – Written Premium (RON Million), 2008–2012
Figure 33: Romanian Personal Accident Insurance – Written Premium (RON Million), 2012–2017
Figure 34: Romanian Personal Accident Insurance – Loss Ratio (%), 2008–2012
Figure 35: Romanian Personal Accident Insurance – Loss Ratio (%), 2012–2017
Figure 36: Romanian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 37: Romanian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 38: Romanian Travel Insurance – Written Premium (RON Million), 2008–2012
Figure 39: Romanian Travel Insurance – Written Premium (RON Million), 2012–2017
Figure 40: Romanian Travel Insurance – Loss Ratio (%), 2008–2012
Figure 41: Romanian Travel Insurance – Loss Ratio (%), 2012–2017
Figure 42: Romanian Health Insurance – Written Premium by Sub-Category (RON Million), 2008–2017
Figure 43: Romanian Health Insurance – Dynamics by Sub-Category (%), 2008–2017
Figure 44: Romanian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 45: Romanian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 46: Romanian Non-Life Health Insurance – Written Premium (RON Million), 2008–2012
Figure 47: Romanian Non-Life Health Insurance – Written Premium (RON Million), 2012–2017
Figure 48: Romanian Non-Life Health Insurance – Loss Ratio (%), 2008–2012
Figure 49: Romanian Non-Life Health Insurance – Loss Ratio (%), 2012–2017
Figure 50: Romanian Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 51: Romanian Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 52: Romanian Life Health Insurance – Written Premium (RON Million), 2008–2012
Figure 53: Romanian Life Health Insurance – Written Premium (RON Million), 2012–2017
Figure 54: Romanian Life Health Insurance – Loss Ratio (%), 2008–2012
Figure 55: Romanian Life Health Insurance – Loss Ratio (%), 2012–2017
Figure 56: Romanian Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 57: Romanian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RON Million), 2008–2012
Figure 58: Romanian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RON Million), 2012–2017
Figure 59: Romanian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RON Million), 2008–2012
Figure 60: Romanian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RON Million), 2012–2017
Figure 61: Romanian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Figure 62: Romanian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Figure 63: Romanian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Figure 64: Romanian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Figure 65: Romanian Personal Accident and Health Insurance – Bancassurance Commission Paid (RON Million), 2008–2012
Figure 66: Romanian Personal Accident and Health Insurance – Bancassurance Commission Paid (RON Million), 2012–2017
Figure 67: Romanian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RON Million), 2008–2012
Figure 68: Romanian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RON Million), 2012–2017
Figure 69: Romanian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Figure 70: Romanian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Figure 71: Romanian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Figure 72: Romanian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Figure 73: Romanian Personal Accident and Health Insurance – Commission Paid to Agencies (RON Million), 2008–2012
Figure 74: Romanian Personal Accident and Health Insurance – Commission Paid to Agencies (RON Million), 2012–2017
Figure 75: Romanian Personal Accident and Health Insurance – Written Premium Through Agencies (RON Million), 2008–2012
Figure 76: Romanian Personal Accident and Health Insurance – Written Premium Through Agencies (RON Million), 2012–2017
Figure 77: Romanian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Figure 78: Romanian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Figure 79: Romanian Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Figure 80: Romanian Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Figure 81: Romanian Personal Accident and Health Insurance – E-Commerce Commission Paid (RON Million), 2008–2012
Figure 82: Romanian Personal Accident and Health Insurance – E-Commerce Commission Paid (RON Million), 2012–2017
Figure 83: Romanian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RON Million), 2008–2012
Figure 84: Romanian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RON Million), 2012–2017
Figure 85: Romanian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Figure 86: Romanian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Figure 87: Romanian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Figure 88: Romanian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Figure 89: Romanian Personal Accident and Health Insurance – Commission Paid to Brokers (RON Million), 2008–2012
Figure 90: Romanian Personal Accident and Health Insurance – Commission Paid to Brokers (RON Million), 2012–2017
Figure 91: Romanian Personal Accident and Health Insurance – Written Premium Through Brokers (RON Million), 2008–2012
Figure 92: Romanian Personal Accident and Health Insurance – Written Premium Through Brokers (RON Million), 2012–2017
Figure 93: Romanian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Figure 94: Romanian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Figure 95: Romanian Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Figure 96: Romanian Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Figure 97: Romanian Personal Accident and Health Insurance – Commission Paid to Other Channels (RON Million), 2008–2012
Figure 98: Romanian Personal Accident and Health Insurance – Commission Paid to Other Channels (RON Million), 2012–2017
Figure 99: Romanian Personal Accident and Health Insurance – Written Premium Through Other Channels (RON Million), 2008–2012
Figure 100: Romanian Personal Accident and Health Insurance – Written Premium Through Other Channels (RON Million), 2012–2017
Figure 101: Romanian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Figure 102: Romanian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Figure 103: Romanian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Figure 104: Romanian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Figure 105: Insurance Regulatory Framework for Romania
Figure 106: The Three Pillars of Solvency II
Figure 107: Insurance Supervision and Control in Romania
Figure 108: Insurance Regulatory Framework for Company Registration and Operation in Romania
Figure 109: Romanian Personal Accident and Health Insurance – Five Forces Analysis
Figure 110: Romanian Premium Ceded to Reinsurance by Category (RON Billion), 2008–2017
Figure 111: Romanian Premium Ceded to Reinsurance by Category (% Share), 2012 and 2017
Figure 112: Romanian Reinsurance Dynamics by Category (%), 2008–2017
Figure 113: Romanian Premium Ceded to Reinsurance by Type of Insurance (RON Billion), 2008–2017
Figure 114: Romanian Reinsurance – Dynamics by Type of Insurance (%), 2008–2017
Figure 115: Romanian Personal Accident and Health – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 116: Romanian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 117: Romanian Personal Accident and Health Insurance – Segment Shares (%), 2011
Figure 118: Romanian Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 119: Romanian GDP at Constant Prices (US$ Billion), 2007–2011
Figure 120: Romanian GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 121: Romanian GDP at Current Prices (US$ Billion), 2007–2011
Figure 122: Romanian GDP per Capita at Current Prices (US$), 2007–2011
Figure 123: Romanian GDP by Key Segments (%) 2009 and 2011
Figure 124: Romanian Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices (RON Billion), 2007–2011
Figure 125: Romanian Agriculture, Hunting, Forestry, Fishing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 126: Romanian Agriculture, Hunting, Forestry, Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 127: Romanian Manufacturing Net Output at Current Prices (RON Billion), 2007–2011
Figure 128: Romanian Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 129: Romanian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 130: Romanian Mining, Manufacturing and Utilities Net Output at Current Prices (RON Billion), 2007–2011
Figure 131: Romanian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 132: Romanian Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 133: Romanian Construction Net Output at Current Prices (RON Billion), 2007–2011
Figure 134: Romanian Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 135: Romanian Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 136: Romanian Inflation Rate (%), 2007–2011
Figure 137: Romanian Exports as a Percentage of GDP (%), 2007–2011
Figure 138: Romanian Imports as a Percentage of GDP (%), 2007–2011
Figure 139: Romanian Exports Growth (%), 2007–2011
Figure 140: Romanian Imports Growth (%), 2007–2011
Figure 141: Romanian Annual Average Exchange Rate (US$–RON), 2007–2011
Figure 142: Romanian Commercial Vehicles Exports Total Value (US$ Billion), 2007–2011
Figure 143: Romanian Commercial Vehicles Imports Total Value (US$ Billion), 2007–2011
Figure 144: Romanian Automotive Exports Total Value (US$ Billion), 2007–2011
Figure 145: Romanian Automotive Imports Total Value (US$ Billion), 2007–2011
Figure 146: Romanian Internet Subscriptions (Millions), 2007–2011
Figure 147: Size of the Romanian Labor Force in the 15–59 Age Group (Million), 2007–2011
Figure 148: Romanian Unemployment Rate (%), 2007–2011
Figure 149: Romanian Gross National Disposable Income (US$ Billion), 2007–2011
Figure 150: Romanian Total Population (Million), 2007–2011
Figure 151: Romanian Urban and Rural Populations (%), 2007–2011
Figure 152: Romanian Median Age of Population (Year), 2007–2011
Figure 153: Romanian Population Distribution by Age (%), 2007–2011

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