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

Published By :

Timetric

Published Date : Sep 2014

Category :

Health Insurance

No. of Pages : 248 Pages

Synopsis

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

  • The Russian 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 Russian personal accident and health insurance segment
  • The detailed competitive landscape in the personal accident and health insurance segment in Russia
  • Detailed regulatory policies of the Russian insurance industry
  • A description of the personal accident and health reinsurance segment in Russia
  • Porter\'s Five Forces analysis of the personal accident and health insurance segment
  • A benchmarking section on the Russian personal accident and health insurance segment in comparison with other countries in the BRICS region

Executive summary

The Russian personal accident and health insurance segment registered strong growth during the review period (2009–2013). The segment’s gross written premium increased at a review-period CAGR of 24.7%. This was due to the country’s young population, compulsory lines of insurances, increased awareness of the need for insurance – especially among the younger population, an increase in employment, and competition among companies for higher market shares. The personal accident and health insurance segment is also expected to be more competitive in the presence of both domestic and foreign operators over the forecast period (2013–2018), mainly due to regulatory changes.

Scope

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

  • It provides historical values for the Russian personal accident and health insurance segment for the report’s 2009–2013 review period and forecast figures for the 2013–2018 forecast period.
  • It offers a detailed analysis of the key sub-segments in Russian 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 Russia.
  • Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Russia for the personal accident and health insurance segment.
  • It provides a detailed analysis of the reinsurance segment in Russia and its growth prospects.
  • It profiles the top personal accident and health insurance companies in Russia 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 Russian personal accident and health insurance segment and each category within it
  • Understand the demand-side dynamics, key market trends and growth opportunities within the Russian 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 Russian insurance segment and its impact on companies and the market\'s future
Key highlights

  • The personal accident and health segment accounted for 65.9% of the industry’s gross written premium in 2013.
  • During the review period (2009–2013) Russian personal accident and health insurance segment recorded a CAGR of 24.7%.
  • Increasing awareness about the benefits of personal accident and health insurance products drove growth of segment.
  • Personal accident insurance was the segment’s fastest-growing category during the review period, achieving a CAGR of 36.1%.
  • Health insurance was the segment’s largest category during the review period, having grown at a CAGR of 24.1%, driven by an increase in employers’ contributions, with significant levels of growth in the sale of VMI products. 
  • The personal accident category’s growth will be driven by growth in the residential property market over the forecast period, as it is mandatory to take out personal accident insurance with a mortgage.
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 – Regional Benchmarking
4.1 Overview
4.2 Scale and Penetration
4.2.1 Total market gross written premium
4.2.2 Premium per capita
4.2.3 Personal accident and health insurance penetration (as a percentage of GDP)
4.3 Growth
4.3.1 Gross written premium
4.3.2 Gross written premium per capita
4.4 Efficiency and Risk
4.4.1 Loss ratio
4.4.2 Incurred losses per capita
4.4.3 Incurred losses as a percentage of GDP
4.5 Distribution Channels
4.5.1 Direct marketing
4.5.2 Bancassurance
4.5.3 Agencies

5 Russian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2009–2018
5.2 Key Industry Trends and Drivers
5.3 Challenges
5.4 Recent Market Developments

6 Personal Accident and Health Insurance Segment Outlook
6.1 Consumer Segmentation
6.2 Product and Marketing Strategies
6.2.1 Product strategies
6.2.2 Marketing strategies
6.3 Personal Accident and Health Insurance Growth Prospects by Category
6.3.1 Personal accident insurance
6.3.2 Travel insurance
6.3.3 Health insurance

7 Analysis by Distribution Channel
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels

8 Porter’s Five Forces Analysis – Russian Personal Accident and Health Insurance Segment
8.1 Bargaining Power of Suppliers: Medium
8.2 Bargaining Power of Buyers: Medium to High
8.3 Barriers to Entry: Low to Medium
8.4 Intensity of Rivalry: Medium to High
8.5 Threat of Substitutes: Low

9 Reinsurance Growth Dynamics and Challenges
9.1 Reinsurance Segment Size, 2009–2018
9.2 Reinsurance Segment Size by Premium Ceded, 2009–2018

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 Liability insurance
10.2.5 Marine, aviation and transit insurance
10.2.6 Personal accident and health insurance
10.3 Compulsory Insurance
10.3.1 Health insurance
10.3.2 Motor liability insurance (OSAGO)
10.3.3 Third-party liability insurance for hazardous activities
10.3.4 Aviation liability insurance
10.4 Supervision and Control
10.4.1 International Association of Insurance Supervisors
10.4.2 Bank of Russia Financial Market Service (BRFMS)
10.4.3 All-Russian Insurance Association (ARIA)
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 in the Russia Personal Accident and Health Insurance Segment
11.3 MAKS-M – Company Overview
11.3.1 MAKS-M – key facts
11.4 OJSC Insurance Company SOGAZ-Med – Company Overview
11.4.1 OJSC Insurance Company SOGAZ-Med – key facts
11.5 OJSC Rosno-MS – Company Overview
11.5.1 OJSC Rosno-MS – key facts
11.6 Rosgosstrakh-Medicine – Company Overview
11.6.1 Rosgosstrakh-Medicine – key facts
11.7 Kapital Health Insurance – Company Overview
11.7.1 Kapital Health Insurance – key facts
11.8 Ingosstrakh-M Insurance Company – Company Overview
11.8.1 Ingosstrakh-M Insurance Company – key facts
11.9 Reso-Med – Company Overview
11.9.1 Reso-Med – key facts
11.10 Yugoriya-MED – Company Overview
11.10.1 Yugoriya-MED – key facts
11.11 Solidarity for Life ZAO – Company Overview
11.11.1 Solidarity for Life ZAO – key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Moscow Stock Exchange
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 GDP by key sector
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
12.2.9 Manufacturing net output at current prices as a percentage of GDP
12.2.10 Mining, manufacturing and utilities at current prices (US$)
12.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
12.2.12 Construction net output at current prices, (US$)
12.2.13 Construction net output at current prices as a percentage of GDP
12.2.14 Inflation rate
12.2.15 Exports as a percentage of GDP
12.2.16 Imports as a percentage of GDP
12.2.17 Merchandise exports growth
12.2.18 Merchandise imports growth
12.2.19 Annual average exchange rate RUB–US$
12.3 Infrastructure
12.3.1 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: Russian Insurance – Gross Written Premium by Segment (RUB Billion), 2009–2013
Table 3: Russian Insurance – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 4: Russian Insurance – Gross Written Premium by Segment (RUB Billion), 2013–2018
Table 5: Russian Insurance – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 6: Russian Insurance – Segmentation, Gross Written Premium (Percentage Share), 2009–2018
Table 7: Russian Insurance – Direct Written Premium by Segment (RUB Billion), 2009–2013
Table 8: Russian Insurance – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 9: Russian Insurance – Direct Written Premium by Segment (RUB Billion), 2013–2018
Table 10: Russian Insurance – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 11: Russian Insurance – Segmentation, Direct Written Premium (% Share), 2009–2018
Table 12: Russian Insurance – Medical Cases and Required Cover
Table 13: Russian Personal Accident and Health Insurance – Gross Written Premium by Category (RUB Billion), 2009–2013
Table 14: Russian Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2009–2013
Table 15: Russian Personal Accident and Health Insurance – Gross Written Premium by Category (RUB Billion), 2013–2018
Table 16: Russian Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2013–2018
Table 17: Russian Personal Accident and Health Insurance – Direct Written Premium by Category (RUB Billion), 2009–2013
Table 18: Russian Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2009–2013
Table 19: Russian Personal Accident and Health Insurance – Direct Written Premium by Category (RUB Billion), 2013–2018
Table 20: Russian Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2013–2018
Table 21: Russian Personal Accident and Health Insurance – Earned Premium (RUB Billion), 2009–2013
Table 22: Russian Personal Accident and Health Insurance – Earned Premium (RUB Billion), 2013–2018
Table 23: Russian Personal Accident and Health Insurance – Paid Claims by Category (RUB Billion), 2009–2013
Table 24: Russian Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2009–2013
Table 25: Russian Personal Accident and Health Insurance – Paid Claims by Category (RUB Billion), 2013–2018
Table 26: Russian Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2013–2018
Table 27: Russian Personal Accident and Health Insurance – Incurred Loss by Category (RUB Billion), 2009–2013
Table 28: Russian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2009–2013
Table 29: Russian Personal Accident and Health Insurance – Incurred Loss by Category (RUB Billion), 2013–2018
Table 30: Russian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2013–2018
Table 31: Russian Personal Accident and Health Insurance – Retention by Category (RUB Billion), 2009–2013
Table 32: Russian Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2009–2013
Table 33: Russian Personal Accident and Health Insurance – Retention by Category (RUB Billion), 2013–2018
Table 34: Russian Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2013–2018
Table 35: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Russian Personal Accident and Health Insurance – Commission and Expenses (RUB Billion), 2009–2013
Table 38: Russian Personal Accident and Health Insurance – Commission and Expenses (RUB Billion), 2013–2018
Table 39: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Russian Personal Accident and Health Insurance – Frauds and Crimes (RUB Billion), 2009–2013
Table 42: Russian Personal Accident and Health Insurance – Frauds and Crimes (RUB Billion), 2013–2018
Table 43: Russian Personal Accident and Health Insurance – Total Assets (RUB Billion), 2009–2013
Table 44: Russian Personal Accident and Health Insurance – Total Assets (RUB Billion), 2013–2018
Table 45: Russian Personal Accident and Health Insurance – Total Investment Income (RUB Billion), 2009–2013
Table 46: Russian Personal Accident and Health Insurance – Total Investment Income (RUB Billion), 2013–2018
Table 47: Russian Personal Accident and Health Insurance – Retentions (RUB Billion), 2009–2013
Table 48: Russian Personal Accident and Health Insurance – Retentions (RUB Billion), 2013–2018
Table 49: Russian Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 50: Russian Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 51: Russian Personal Accident Insurance – Gross Written Premium (RUB Billion), 2009–2013
Table 52: Russian Personal Accident Insurance – Gross Written Premium (RUB Billion), 2013–2018
Table 53: Russian Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Russian Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Russian Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 56: Russian Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 57: Russian Travel Insurance – Gross Written Premium (RUB Billion), 2009–2013
Table 58: Russian Travel Insurance – Gross Written Premium (RUB Million), 2013–2018
Table 59: Russian Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Russian Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Russian Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 62: Russian Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 63: Russian Health Insurance – Gross Written Premium (RUB Billion), 2009–2013
Table 64: Russian Health Insurance – Gross Written Premium (RUB Billion), 2013–2018
Table 65: Russian Health Insurance – Direct Written Premium (RUB Billion), 2009–2013
Table 66: Russian Health Insurance – Direct Written Premium (RUB Billion), 2013–2018
Table 67: Russian Health Insurance – Loss Ratio (%), 2009–2013
Table 68: Russian Health Insurance – Loss Ratio (%), 2013–2018
Table 69: Russian Health Insurance – Retention (RUB Billion), 2009–2013
Table 70: Russian Health Insurance – Retention (RUB Billion), 2013–2018
Table 71: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RUB Billion), 2009–2013
Table 72: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RUB Billion), 2013–2018
Table 73: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Direct Marketing (RUB Billion), 2009–2013
Table 74: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Direct Marketing (RUB Billion), 2013–2018
Table 75: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 76: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 77: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 78: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 79: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RUB Billion), 2009–2013
Table 80: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RUB Billion), 2013–2018
Table 81: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Bancassurance (RUB Billion), 2009–2013
Table 82: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Bancassurance (RUB Billion), 2013–2018
Table 83: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 84: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 85: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 86: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 87: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RUB Billion), 2009–2013
Table 88: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RUB Billion), 2013–2018
Table 89: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Agencies (RUB Billion), 2009–2013
Table 90: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Agencies (RUB Billion), 2013–2018
Table 91: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 92: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 93: Russian Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 94: Russian Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 95: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RUB Billion), 2009–2013
Table 96: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RUB Billion), 2013–2018
Table 97: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through E-Commerce (RUB Billion), 2009–2013
Table 98: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through E-Commerce (RUB Billion), 2013–2018
Table 99: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 100: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 101: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Table 102: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Table 103: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RUB Billion), 2009–2013
Table 104: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RUB Billion), 2013–2018
Table 105: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Brokers (RUB Billion), 2009–2013
Table 106: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Brokers (RUB Billion), 2013–2018
Table 107: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Table 108: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Table 109: Russian Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 110: Russian Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 111: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RUB Billion), 2009–2013
Table 112: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RUB Billion), 2013–2018
Table 113: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Other Channels (RUB Billion), 2009–2013
Table 114: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Other Channels (RUB Billion), 2013–2018
Table 115: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 116: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 117: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 118: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 119: Russian Reinsurance – Premium Accepted by Category (RUB Billion), 2009–2013
Table 120: Russian Reinsurance – Premium Accepted by Category (US$ Billion), 2009–2013
Table 121: Russian Reinsurance – Premium Accepted by Category (RUB Billion), 2013–2018
Table 122: Russian Reinsurance – Premium Accepted by Category (US$ Billion), 2013–2018
Table 123: Russian Reinsurance – Premium Ceded by Type of Insurance (RUB Billion), 2009–2013
Table 124: Russian Reinsurance – Premium Ceded by Type of Insurance (US$ Billion), 2009–2013
Table 125: Russian Reinsurance – Premium Ceded by Type of Insurance (RUB Billion), 2013–2018
Table 126: Russian Reinsurance – Premium Ceded by Type of Insurance (US$ Billion), 2013–2018
Table 127: Russian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2009–2013
Table 128: Russian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2013–2018
Table 129: Russia – Life Insurance Regulatory Framework
Table 130: Russia – Property Insurance Regulatory Framework
Table 131: Russia – Motor Insurance Regulatory Framework
Table 132: Russia – Liability Insurance Regulatory Framework
Table 133: Russia – Compensation Provided by the Insurer under OSAGO
Table 134: Russia – Compensation Provided by the Insurer in the Event of Accident by Domestic Air Carriage
Table 135: Russia – Minimum Capital Requirements
Table 136: Russia – Corporate Tax Rates in Russia for the Financial Year 2013
Table 137: Russian Personal Accident and Health Insurance Written Premiums by Leading Companies (% Share), 2013
Table 138: MAKS-M – Key Facts
Table 139: OJSC Insurance Company SOGAZ-Med – Key Facts
Table 140: OJSC Rosno-MS – Key Facts
Table 141: Rosgosstrakh-Medicine – Key Facts
Table 142: Kapital Health Insurance – Key Facts
Table 143: Ingosstrakh-M Insurance Company – Key Facts
Table 144: Reso-Med – Key Facts
Table 145: Yugoriya-MED – Key Facts
Table 146: Solidarity for Life ZAO – Key Facts

List of Chart

Figure 1: BRICS Region – A Snapshot of the Economies and Populations, 2011
Figure 2: BRICS Region – Growth Trends in the Insurance Industry
Figure 3: BRICS Region – GDP at Constant Prices (US$ Trillion) and Annual Per Capita Disposable Income (US$), 2007 and 2011
Figure 4: BRICS Region – Health Expenditure Per Capita (US$), 2007 and 2011
Figure 5: BRICS Insurance – Total Industry Values by Segment (US$ Billion), 2011
Figure 6: BRICS Personal Accident and Health Insurance – Growth Trends
Figure 7: BRICS Personal Accident and Health Insurance – Gross Written Premiums (US$ Billion), 2011
Figure 8: BRICS Personal Accident and Health Insurance – Premiums Per Capita (US$), 2011
Figure 9: BRICS Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 10: BRICS Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 11: BRICS Personal Accident and Health Insurance – Gross Written Premium Capita Growth (%), 2007–2016
Figure 12: BRICS Personal Accident and Health Insurance – Loss Ratios (%), 2011 and 2016
Figure 13: BRICS Personal Accident and Health Insurance – Incurred Losses per Capita (US$), 2011 and 2016
Figure 14: BRICS Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 15: BRICS Direct Marketing – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 16: BRICS Bancassurance – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016.
Figure 17: BRICS Agencies – Share of Personal Accident and Health insurance Gross Written Premium (%), 2007–2016
Figure 18: Russian Insurance – Overall Written Premium by Segment (RUB Billion), 2009–2018
Figure 19: Russian Insurance – Dynamics by Segment, Gross Written premium (2009–2018)
Figure 20: Russian Insurance – Direct Written Premium by Segment (RUB Billion), 2009–2018
Figure 21: Russian Insurance – Dynamics by Segment, Direct Written Premium (2009–2018)
Figure 22: Russian Personal Accident and Health Insurance – Gross Written Premium by Category (RUB Billion), 2009–2018
Figure 23: Russian Personal Accident and Health Insurance – Gross Written Premium by Category (% Share), 2013 and 2018
Figure 24: Russian Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 25: Russian Personal Accident and Health Insurance – Direct Written Premium by Category (RUB Billion), 2009–2018
Figure 26: Russian Personal Accident and Health Insurance – Direct Written Premium by Category (% Share), 2013 and 2018
Figure 27: Russian Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 28: Russian Personal Accident and Health Insurance – Earned Premium (RUB Billion), 2009–2013
Figure 29: Russian Personal Accident and Health Insurance – Earned Premium (RUB Billion), 2013–2018
Figure 30: Russian Personal Accident and Health Insurance – Paid Claims by Category (RUB Billion), 2009–2018
Figure 31: Russian Personal Accident and Health Insurance – Incurred Loss by Category (RUB Billion), 2009–2018
Figure 32: Russian Personal Accident and Health Insurance – Retention by Category (RUB Billion), 2009–2018
Figure 33: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 34: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 35: Russian Personal Accident and Health Insurance – Commission and Expenses (RUB Billion), 2009–2013
Figure 36: Russian Personal Accident and Health Insurance – Commission and Expenses (RUB Billion), 2013–2018
Figure 37: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 38: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 39: Russian Personal Accident and Health Insurance – Frauds and Crimes (RUB Billion), 2009–2013
Figure 40: Russian Personal Accident and Health Insurance – Frauds and Crimes (RUB Billion), 2013–2018
Figure 41: Russian Personal Accident and Health Insurance – Total Assets (RUB Billion), 2009–2013
Figure 42: Russian Personal Accident and Health Insurance – Total Assets (RUB Billion), 2013–2018
Figure 43: Russian Personal Accident and Health Insurance – Total Investment Income (RUB Billion), 2009–2013
Figure 44: Russian Personal Accident and Health Insurance – Total Investment Income (RUB Billion), 2013–2018
Figure 45: Russian Personal Accident and Health Insurance – Retentions (RUB Billion), 2009–2013
Figure 46: Russian Personal Accident and Health Insurance – Retentions (RUB Billion), 2013–2018
Figure 47: Russian Personal Accident and Health Insurance – Investment Portfolio (RUB Billion), 2009–2013
Figure 48: Russian Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013
Figure 49: Russian Personal Accident and Health Insurance – Penetration (% of GDP), 2009–2013
Figure 50: Russian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 51: Russian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 52: Russian Personal Accident and Health Insurance – Premium Per Capita (RUB), 2009–2013
Figure 53: Russian Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 54: Russian Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 55: Russian Personal Accident Insurance – Gross Written Premium (RUB Billion), 2009–2013
Figure 56: Russian Personal Accident Insurance – Gross Written Premium (RUB Billion), 2013–2018
Figure 57: Russian Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 58: Russian Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 59: Russian Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 60: Russian Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 61: Russian Travel Insurance – Gross Written Premium (RUB Billion), 2009–2013
Figure 62: Russian Travel Insurance – Gross Written Premium (RUB Million), 2013–2018
Figure 63: Russian Travel Insurance – Loss Ratio (%), 2009–2013
Figure 64: Russian Travel Insurance – Loss Ratio (%), 2013–2018
Figure 65: Russian Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 66: Russian Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 67: Russian Health Insurance – Gross Written Premium (RUB Billion), 2009–2013
Figure 68: Russian Health Insurance – Gross Written Premium (RUB Billion), 2013–2018
Figure 69: Russian Health Insurance – Direct Written Premium (RUB Billion), 2009–2013
Figure 70: Russian Health Insurance – Direct Written Premium (RUB Billion), 2013–2018
Figure 71: Russian Health Insurance – Loss Ratio (%), 2009–2013
Figure 72: Russian Health Insurance – Loss Ratio (%), 2013–2018
Figure 73: Russian Health Insurance – Retention (RUB Billion), 2009–2013
Figure 74: Russian Health Insurance – Retention (RUB Billion), 2013–2018
Figure 75: Russian Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2013 and 2018
Figure 76: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RUB Billion), 2009–2013
Figure 77: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RUB Billion), 2013–2018
Figure 78: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Direct Marketing (RUB Billion), 2009–2013
Figure 79: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Direct Marketing (RUB Billion), 2013–2018
Figure 80: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 81: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 82: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 83: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 84: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RUB Billion), 2009–2013
Figure 85: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RUB Billion), 2013–2018
Figure 86: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Bancassurance (RUB Billion), 2009–2013
Figure 87: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Bancassurance (RUB Billion), 2013–2018
Figure 88: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 89: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 90: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 91: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 92: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RUB Billion), 2009–2013
Figure 93: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RUB Billion), 2013–2018
Figure 94: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Agencies (RUB Billion), 2009–2013
Figure 95: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Agencies (RUB Billion), 2013–2018
Figure 96: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 97: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 98: Russian Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 99: Russian Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 100: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RUB Billion), 2009–2013
Figure 101: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RUB Billion), 2013–2018
Figure 102: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through E-Commerce (RUB Billion), 2009–2013
Figure 103: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through E-Commerce (RUB Billion), 2013–2018
Figure 104: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Figure 105: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Figure 106: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Figure 107: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Figure 108: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RUB Billion), 2009–2013
Figure 109: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RUB Billion), 2013–2018
Figure 110: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Brokers (RUB Billion), 2009–2013
Figure 111: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Brokers (RUB Billion), 2013–2018
Figure 112: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Figure 113: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Figure 114: Russian Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 115: Russian Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 116: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RUB Billion), 2009–2013
Figure 117: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RUB Billion), 2013–2018
Figure 118: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Other Channels (RUB Billion), 2009–2013
Figure 119: Russian Personal Accident and Health Insurance – Gross Written Premium New Business Through Other Channels (RUB Billion), 2013–2018
Figure 120: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 121: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 122: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 123: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 124: Russian Personal Accident and Health Insurance Segment – Five Forces Analysis
Figure 125: Russian Reinsurance Segment – Premium Accepted by Category (RUB Billion), 2009–2018
Figure 126: Russian Reinsurance Segment – Premium Accepted by Category (% Share), 2013 and 2018
Figure 127: Russian Reinsurance Segment – Premium Accepted Dynamics by Category, 2009–2018
Figure 128: Russian Reinsurance – Premium Ceded by Type of Insurance (RUB Billion), 2009–2018
Figure 129: Russian Reinsurance – Premium Ceded Dynamics by Type of Insurance, 2009–2018
Figure 130: Russian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2009–2013
Figure 131: Russian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2013–2018
Figure 132: Russia – Insurance Regulatory Framework
Figure 133: Russia – Insurance Supervision and Control at Various Levels
Figure 134: Russia – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 135: Russian Personal Accident and Health Insurance Written Premiums by Leading Companies (% Share), 2013
Figure 136: Moscow Stock Exchange - Market Capitalization (US$ Billion), 2008–2012
Figure 137: Russian GDP at Constant Prices (US$ Billion), 2008–2012
Figure 138: Russian GDP Per Capita at Constant Prices (US$), 2008–2012
Figure 139: Russian GDP at Current Prices (US$ Billion), 2008–2012
Figure 140: Russian GDP Per Capita at Current Prices (US$), 2008–2012
Figure 141: Russian GDP by Key Sector (%) 2007 and 2011
Figure 142: Russian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 143: Russian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 144: Russian Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 145: Russian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 146: Russian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 147: Russian Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2007–2011
Figure 148: Russian Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 149: Russian Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 150: Russian Inflation Rate (%), 2008–2012
Figure 151: Russian Exports as a Percentage of GDP (%), 2008–2012
Figure 152: Russian Imports as a Percentage of GDP (%), 2008–2012
Figure 153: Russian Merchandise Exports Growth (%), 2008–2012
Figure 154: Russian Merchandise Imports Growth (%), 2008–2012
Figure 155: Russian Annual Average Exchange Rate US$–RUB, 2008–2012
Figure 156: Russian Internet Subscriptions (Millions), 2008–2012
Figure 157: Russian Size of Labor Force (Million), 2008–2012
Figure 158: Russian Unemployment Rate (%), 2008–2012
Figure 159: Russian Gross National Disposable Income (US$ Billion), 2008–2012
Figure 160: Russian Household Consumption Expenditure (US$ Billion), 2008–2012
Figure 161: Russian Total Population (Million), 2008–2012
Figure 162: Russian Urban and Rural Populations (%), 2008–2012
Figure 163: Russian Population Distribution by Age (%), 2008–2012

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