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Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2020

Published By :

Timetric

Published Date : Jul 2017

Category :

Insurance

No. of Pages : 112 Pages

Synopsis
Timetrics 'Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2020' report provides detailed analysis of the trends, drivers, challenges in the French personal accident and health insurance segment.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (20112015) and forecast period (20152020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the French economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetrics research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary
Timetrics 'Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the French personal accident and health insurance segment, including:

The French personal accident and health insurance segments growth prospects by insurance category

Key trends, drivers and challenges for the personal accident and health insurance segment

A comprehensive overview of the French economy and demographics

The various distribution channels in the French personal accident and health insurance segment

Details of the competitive landscape in the personal accident and health insurance segment in France

Details of regulatory policy applicable to the French insurance industry

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

It provides historical values for the French personal accident and health insurance segment for the reports 20112015 review period, and projected figures for the 20152020 forecast period.

It offers a detailed analysis of the key categories in the French personal accident and health insurance segment, and market forecasts to 2020.

It profiles the top personal accident and health insurance companies in France, 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 French personal accident and health insurance segment, and each category within it.

Understand the demand-side dynamics, key market trends and growth opportunities in the French personal accident and health insurance segment.

Assess the competitive dynamics in the personal accident and health insurance segment.

Identify growth opportunities and market dynamics in key product categories.

Gain insights into key regulations governing the French insurance industry, and their impact on companies and the industry's future.

Key Highlights
In October 2016, the first online-only health insurer, named Alan, was established in France.

Effective January 2016, supplementary health insurance was made compulsory for all private sector companies, regardless of size, area of activity, turnover and employee strength.

Effective January 2016, a Healthcare System Modernization Bill was implemented, which enables third party payments using private insurance and does not require patients to make up-front payments.

The Insurance Code, which governs insurance activity in France, was updated in January 2016.

In July 2016, the French Federation of Insurance Companies (FFSA) and the Pool of Mutual Insurance Companies (GEMA) merged to form the French Federation of Insurance (FFA).
Table of Contents
1 Key Facts and Highlights
2 Executive Summary
3 Economy and Demographics
4 Segment Outlook
4.1 Regional Comparison
4.2 Segment Indicators
4.2.1 Gross written premium and penetration
4.2.2 Claims
4.2.3 Profitability
4.2.4 Assets and investments
5 Outlook by Category
5.1 Personal Accident Insurance
5.1.1 Premium
5.2 Health Insurance
5.2.1 Premium
5.3 Travel Insurance
5.3.1 Premium
5.3.2 Claims
5.3.3 Profitability
6 Distribution Channel Outlook
7 Competitive Landscape
7.1 Company Profiles
7.1.1 Axa France Assurance-company overview
7.1.2 Groupama SA-company overview
7.1.3 Allianz France SA-company overview
7.1.4 CNP Assurances SA-company overview
7.1.5 Generali France Assurances SA-company overview
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Latest Changes in Regulation
8.3 Legislation and Market Practice by Type of Insurance
8.3.1 Life insurance
8.3.2 Property insurance
8.3.3 Motor insurance
8.3.4 Liability insurance
8.3.5 Marine, aviation and transit insurance
8.3.6 Personal accident and health insurance
8.4 Compulsory Insurance
8.4.1 Motor third-party liability (MTPL) insurance
8.4.2 Workers compensation
8.4.3 Air carriers and aircraft operators insurance
8.4.4 Professional indemnity insurance for alternative investment fund managers
8.4.5 Liability insurance for health professionals
8.4.6 Clinical trials liability insurance
8.4.7 Liability insurance for construction contractors (decennial liability insurance)
8.5 Supervision and Control
8.5.1 International Association of Insurance Supervisors
8.5.2 European Insurance and Occupational Pensions Authority
8.5.3 Autorit de Contrle Prudentiel
8.5.4 Autorit des Marchs Financiers
8.5.5 Federation of European Risk Management Associations
8.6 Non-Admitted Insurance Regulations
8.6.1 Overview
8.6.2 Intermediaries
8.6.3 Market practices
8.6.4 Fines and Penalties
8.7 Company Registration and Operations
8.7.1 Type of insurance organization
8.7.2 Establishing a local company
8.7.3 Foreign ownership
8.7.4 Types of license
8.7.5 Capital requirements
8.7.6 Solvency margin
8.7.7 Reserve requirements
8.7.8 Investment regulations
8.7.9 Statutory return requirements
8.7.10 Fee structure
8.8 Taxation
8.8.1 Insurance premium or policy taxation
8.8.2 Withholding taxes on premium paid overseas
8.8.3 Corporate tax
8.8.4 VAT
8.8.5 Captives
8.9 Legal System
8.9.1 Introduction
8.9.2 Access to court
8.9.3 Alternative dispute resolution
9 Databook
9.1 Policies and Premium
9.1.1 Claims and expenses
9.1.2 Assets and investments
9.1.3 Personal accident insurance
9.1.4 Health insurance
9.1.5 Travel insurance
10 Definitions and Methodology
10.1 Definitions
10.2 Methodology
11 About Timetric
11.1 Contact Timetric
11.2 About Timetric
11.3 Timetrics Services
11.4 Disclaimer


List of Tables
Table 1: French Personal Accident and Health Insurance-Key Facts, 2015
Table 2: French Personal Accident and Health Insurance-Segment Shares of the Top Insurers, 2015
Table 3: French Government Credit Ratings
Table 4: French Personal Accident and Health Insurance-Gross Written Premium (EUR Billion and US$ Billion), 20112015
Table 5: French Personal Accident and Health Insurance-Penetration (%), 20112015
Table 6: French Personal Accident and Health Insurance-Gross Written Premium (EUR Billion and US$ Billion), 20152020
Table 7: French Personal Accident and Health Insurance-Penetration (%), 20152020
Table 8: French Personal Accident and Health Insurance-Premium per Capita (EUR and US$), 20112015
Table 9: French Personal Accident and Health Insurance-Premium per Capita (EUR and US$), 20152020
Table 10: French Personal Accident and Health Insurance-Paid Claims (EUR Billion and US$ Billion), 20112015
Table 11: French Personal Accident and Health Insurance-Paid Claims (EUR Billion and US$ Billion), 20152020
Table 12: French Personal Accident and Health Insurance-Profitability Ratio (%), 20112015
Table 13: French Personal Accident and Health Insurance-Profitability Ratio (%), 20152020
Table 14: French Personal Accident and Health Insurance-Total Assets (EUR Billion and US$ Billion), 20112015
Table 15: French Personal Accident and Health Insurance-Total Assets (EUR Billion and US$ Billion), 20152020
Table 16: French Personal Accident and Health Insurance-Total Investment Income (EUR Billion and US$ Billion), 20112015
Table 17: French Personal Accident and Health Insurance-Total Investment Income (EUR Billion and US$ Billion), 20152020
Table 18: French Personal Accident and Health Insurance-Direct Written Premium by Category (EUR Billion), 20112015
Table 19: French Personal Accident and Health Insurance-Direct Written Premium by Category (EUR Billion), 20152020
Table 20: French Personal Accident Insurance-Direct Written Premium (EUR Billion and US$ Billion), 20112015
Table 21: French Personal Accident Insurance-Direct Written Premium (EUR Billion and US$ Billion), 20152020
Table 22: French Health Insurance-Direct Written Premium by Category (EUR Billion), 20112015
Table 23: French Health Insurance-Direct Written Premium by Category (EUR Billion), 20152020
Table 24: French Travel Insurance-Direct Written Premium (EUR Billion), 20112015
Table 25: French Travel Insurance-Direct Written Premium (EUR Billion), 20152020
Table 26: French Travel Insurance-Paid Claims (EUR Million and US$ Million), 20112015
Table 27: French Travel Insurance-Paid Claims (EUR Million and US$ Million), 20152020
Table 28: French Travel Insurance-Loss Ratio (%), 20112015
Table 29: French Travel Insurance-Loss Ratio (%), 20152020
Table 30: French Personal Accident and Health Insurance-Segment Shares of Leading Insurers (%), 2015
Table 31: Axa France Assurance-Key Facts
Table 32: Groupama SA-Key Facts
Table 33: Allianz France SA-Key Facts
Table 34: CNP Assurances SA-Key Facts
Table 35: Generali France Assurances SA-Key Facts
Table 36: France Insurance Regulatory Framework Key Features
Table 37: FranceLife Insurance Regulatory Framework
Table 38: FranceProperty Insurance Regulatory Framework
Table 39: FranceMotor Insurance Regulatory Framework
Table 40: FranceLiability Insurance Regulatory Framework
Table 41: FranceMinimum Cover for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 42: FranceMotor Insurance Regulatory Framework
Table 43: FranceCorporate Tax Rates for the Financial Year 2017
Table 44: French Personal Accident and Health Insurance Industry-Policies and Premium, 20112015
Table 45: French Personal Accident and Health Insurance Industry-Policies and Premium, 20152020
Table 46: French Personal Accident and Health Insurance-Claims and Expenses, 20112015
Table 47: French Personal Accident and Health Insurance-Claims and Expenses, 20152020
Table 48: French Personal Accident and Health Insurance-Assets and Investments, 20112015
Table 49: French Personal Accident and Health Insurance-Assets and Investments, 20152020
Table 50: French Personal Accident and Health Insurance-Personal Accident Insurance, 20112015
Table 51: French Personal Accident and Health Insurance-Personal Accident Insurance, 20152020
Table 52: French Personal Accident and Health Insurance-Health Insurance, 20112015
Table 53: French Personal Accident and Health Insurance-Health Insurance, 20152020
Table 54: French Personal Accident and Health Insurance-Travel Insurance, 20112015
Table 55: French Personal Accident and Health Insurance-Travel Insurance, 20152020
Table 56: Insurance Industry Definitions


List of Figures
Figure 1: French Economic Transition, by GDP components (% of GDP), 19902015
Figure 2: French Real GDP (EUR Trillion), 20112020
Figure 3: French Consumer Price Inflation (%), 20112020
Figure 4: French Current Account Balance as Percentage of GDP (%), 20112020
Figure 5: French Unemployment Rate, 20112020
Figure 6: French Population by Age Group, 19902025
Figure 7: French Personal Accident and Health Insurance Penetration-Regional Comparison (%), 2015
Figure 8: French Insurance Segment Direct Written Premium Shares-Regional Comparison (%), 2015
Figure 9: French Personal Accident and Health Insurance-Gross Written Premium (EUR Billion), 20112020
Figure 10: French Personal Accident and Health Insurance-Penetration (%), 20112020
Figure 11: French Personal Accident and Health Insurance-Premium per Capita (EUR), 20112020
Figure 12: French Personal Accident and Health Insurance-Paid Claims (EUR Billion), 20112020
Figure 13: French Personal Accident and Health Insurance-Profitability Ratio (%), 20112020
Figure 14: French Personal Accident and Health Insurance-Total Assets (EUR Billion), 20112020
Figure 15: French Personal Accident and Health Insurance-Total Investment Income (EUR Billion), 20112020
Figure 16: French Personal Accident and Health Insurance-Direct Written Premium by Category (EUR Billion), 20112020
Figure 17: French Personal Accident and Health Insurance-Direct Written Premium Dynamics by Category, 20112020
Figure 18: French Personal Accident Insurance-Direct Written Premium (EUR Billion), 20112020
Figure 19: French Health Insurance-Direct Written Premium by Category (EUR Billion), 20112020
Figure 20: French Travel Insurance-Direct Written Premium (EUR Billion), 20112020
Figure 21: French Travel Insurance-Paid Claims (EUR Million), 20112020
Figure 22: French Travel Insurance-Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 20112020
Figure 23: French Personal Accident and Health Insurance-Segment Shares of Leading Insurers (%), 2015
Figure 24: France-The Three Pillars of Solvency II
Figure 25: France Insurance Supervision and Control at Various Levels
Figure 26: France Insurance Regulatory Frameworks for Company Registration and Operation

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