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

Date: July 15, 2014
Pages: 264
Price:
US$ 1,950.00
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Publisher: Timetric
Report type: Strategic Report
Delivery: E-mail Delivery (PDF)
ID: P325C2089FDEN
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Personal Accident and Health Insurance in Germany, Key Trends and Opportunities to 2018
SYNOPSIS

The report provides in-depth market analysis, information and insights into the German personal accident and health insurance segment, including:
  • The German 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 German personal accident and health insurance segment
  • The detailed competitive landscape in the personal accident and health insurance segment in Germany
  • Detailed regulatory policies of the German insurance industry
  • A description of the personal accident and health reinsurance segment in Germany
  • Porter's Five Forces analysis of the personal accident and health insurance segment
  • A benchmarking section on the German life insurance segment in comparison with other countries with GWP>$150bn
SUMMARY

The personal accident and health segment accounted for 22.2% of the German insurance industry’s gross written premium in 2013, making it the smallest segment in the industry. During the review period (2009–2013), the main growth drivers were a rise in GDP and the flexibility to purchase private health insurance. Consequently, the segment increased at review-period compound annual growth rate (CAGR) of 3.0%. Health insurance accounted for 83.3% of the segment’s gross written premium that year, with the German healthcare system including both public and private healthcare services. Although the government provides mandatory health insurance, the German private health insurance category registered a review-period CAGR of 3.5%. This was mainly a result of the government’s abolition of a three-year waiting period for individuals to enroll for private health insurance in December 2010. Increasing public awareness of the benefits of private health insurance, and flexibility in accessing private health insurance services, are both expected to support the segment’s growth over the forecast period.

SCOPE

This report provides a comprehensive analysis of the personal accident and health insurance segment in Germany:
  • It provides historical values for the German 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 German 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 Germany.
  • Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Germany for the personal accident and health insurance segment.
  • It provides a detailed analysis of the reinsurance segment in Germany and its growth prospects.
  • It profiles the top personal accident and health insurance companies in Germany 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 German personal accident and health insurance segment and each category within it
  • Understand the demand-side dynamics, key market trends and growth opportunities within the German 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 German insurance segment and its impact on companies and the market's future
KEY HIGHLIGHTS
  • The personal accident and health segment accounted for 22.2% of the German insurance industry’s gross written premium in 2013, making it the smallest segment in the industry.
  • The German personal accident and health segment’s penetration rate declined from 1.60% of GDP in 2009 to 1.57% of GDP in 2013.
  • The government’s abolition of a three-year waiting period for an individual to move from state-regulated to private health insurance enabled more Germans to purchase private health cover.
  • The aging population was an important driver of the personal accident and health segment during the review period, a trend that is expected to continue over the forecast period.
  • The German health insurance category accounted for 83.3% of the segment’s gross written premiums, followed by the personal accident category which accounted for 15.8%.
  • The segment is fragmented, with top 10 companies accounting for 64.2% of the total written premium in 2012.
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 SEGMENT – REGIONAL BENCHMARKING

4.1 Scale and Penetration
  4.1.1 Total market gross written premium
  4.1.2 Premium per capita
  4.1.3 Personal accident and health insurance penetration (as a percentage of GDP)
4.2 Growth
  4.2.1 Gross written premium
  4.2.2 Gross written premium per capita
4.3 Efficiency and Risk
  4.3.1 Loss ratio
  4.3.2 Incurred losses per capita
  4.3.3 Incurred losses as a percentage of GDP
4.4 Distribution Channels
  4.4.1 Direct marketing
  4.4.2 Bancassurance
  4.4.3 Agencies

5 GERMAN 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 and Buying Behavior
6.2 Product and 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 CHANNELS

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 – GERMAN PERSONAL ACCIDENT AND HEALTH INSURANCE

8.1 Bargaining Power of Supplier: Low
8.2 Bargaining Power of Buyer: Medium to High
8.3 Barriers to Entry: Low
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 Regulations by Type of Insurance
  10.2.1 Life insurance regulations
  10.2.2 Property insurance regulations
  10.2.3 Motor insurance regulations
  10.2.4 Liability insurance
  10.2.5 Marine, aviation and transit insurance regulations
  10.2.6 Personal accident insurance regulations
10.3 Compulsory Insurance
  10.3.1 Motor third-party liability insurance
  10.3.2 Workmen’s compensation insurance
10.4 Supervision and Control
  10.4.1 International Association of Insurance Supervisors
  10.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
  10.4.3 Federal Financial Supervisory Authority (BaFin)
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 Corporate tax
  10.7.3 VAT
  10.7.4 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 German Personal Accident and Health Insurance Segment
11.3 Allianz Versicherung AG – Company Overview
  11.3.1 Allianz Versicherung AG – key facts
11.4 Ergo Versicherung AG – Company Overview
  11.4.1 Ergo Versicherung AG – key facts
11.5 R+V Allgemeine Versicherung AG – Company Overview
  11.5.1 R+V Allgemeine Versicherung AG – key facts
11.6 Signal Iduna Allgemeine Versicherung AG – Company Overview
  11.6.1 Signal Iduna Allgemeine Versicherung AG – key facts
11.7 AachenMünchener Lebensversicherung AG – Company Overview
  11.7.1 AachenMünchener Lebensversicherung AG – key facts
11.8 Debeka Allgemeine Versicherung – Company Overview
  11.8.1 Debeka Allgemeine Versicherung – key facts
11.9 Generali Versicherung AG – Company Overview
  11.9.1 Generali Versicherung AG – key facts
11.1 Axa Versicherung AG – Company Overview
  11.10.1 Axa Versicherung AG – key facts
11.11 LVM Sachversicherung AG – Company Overview
  11.11.1 Landwirtschaftliche Versicherungsverein Muenster AG – key facts
11.12 ADAC-Schutzbrief Versicherung – Company Overview
  11.12.1 ADAC-Schutzbrief Versicherung – key facts

12 BUSINESS ENVIRONMENT AND COUNTRY RISK

12.1 Business Confidence
  12.1.1 Market capitalization trend – Frankfurt Stock Exchange, Germany
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 segments
  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 EUR–US$
12.3 Infrastructure
  12.3.1 Commercial vehicles exports – total value
  12.3.2 Commercial vehicles imports – total value
  12.3.3 Automotive exports – total value
  12.3.4 Automotive imports – total value
  12.3.5 Total internet subscribers
12.4 Labor Force
  12.4.1 Labor force
  12.4.2 Unemployment rate
12.5 Demographics
  12.5.1 Gross national disposable income (US$)
  12.5.2 Household consumption expenditure (US$)
  12.5.3 Total population
  12.5.4 Urban and rural populations
  12.5.5 Age distribution of the total population

13 APPENDIX

13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer

LIST OF TABLES

Table 1: Insurance Industry Definitions
Table 2: German Insurance – Gross Written Premium by Segment (EUR Billion), 2009–2013
Table 3: German Insurance – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 4: German Insurance – Gross Written Premium by Segment (EUR Billion), 2013–2018
Table 5: German Insurance – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 6: German Insurance – Gross Written Premium by Segment (% Share), 2009–2018
Table 7: German Insurance – Direct Written Premium by Segment (EUR Billion), 2009–2013
Table 8: German Insurance – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 9: German Insurance – Direct Written Premium by Segment (EUR Billion), 2013–2018
Table 10: German Insurance – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 11: German Insurance – Segmentation, Direct Written Premium (% Share), 2009–2018
Table 12: German Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Billion), 2009–2013
Table 13: German Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2009–2013
Table 14: German Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Billion), 2013–2018
Table 15: German Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2013–2018
Table 16: German Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2009–2013
Table 17: German Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2009–2013
Table 18: German Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2013–2018
Table 19: German Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2013–2018
Table 20: German Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2009–2013
Table 21: German Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2013–2018
Table 22: German Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2009–2013
Table 23: German Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2009–2013
Table 24: German Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2013–2018
Table 25: German Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2013–2018
Table 26: German Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2009–2013
Table 27: German Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2009–2013
Table 28: German Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2013–2018
Table 29: German Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2013–2018
Table 30: German Personal Accident and Health Insurance – Retention by Category (EUR Billion), 2009–2013
Table 31: German Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2009–2013
Table 32: German Personal Accident and Health Insurance – Retention by Category (EUR Billion), 2013–2018
Table 33: German Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2013–2018
Table 34: German Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 35: German Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 36: German Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2009–2013
Table 37: German Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2013–2018
Table 38: German Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 39: German Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 40: German Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2009–2013
Table 41: German Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2013–2018
Table 42: German Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Table 43: German Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Table 44: German Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2009–2013
Table 45: German Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2013–2018
Table 46: German Personal Accident and Health Insurance – Retentions (EUR Billion), 2009–2013
Table 47: German Personal Accident and Health Insurance – Retentions (EUR Billion), 2013–2018
Table 48: German Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 49: German Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 50: German Personal Accident Insurance – Gross Written Premium (EUR Billion), 2009–2013
Table 51: German Personal Accident Insurance – Gross Written Premium (EUR Billion), 2013–2018
Table 52: German Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 53: German Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 54: German Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 55: German Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 56: German Travel Insurance – Gross Written Premium (EUR Billion), 2009–2013
Table 57: German Travel Insurance – Gross Written Premium (EUR Billion), 2013–2018
Table 58: German Travel Insurance – Loss Ratio (%), 2009–2013
Table 59: German Travel Insurance – Loss Ratio (%), 2013–2018
Table 60: German Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 61: German Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 62: German Health Insurance – Gross Written Premium (EUR Billion), 2009–2013
Table 63: German Health Insurance – Gross Written Premium (EUR Billion), 2013–2018
Table 64: German Health Insurance – Direct Written Premium (EUR Billion), 2009–2013
Table 65: German Health Insurance – Direct Written Premium (EUR Billion), 2013–2018
Table 66: German Health Insurance – Loss Ratio (%), 2009–2013
Table 67: German Health Insurance – Loss Ratio (%), 2013–2018
Table 68: German Health Insurance – Retention (EUR Billion), 2009–2013
Table 69: German Health Insurance – Retention (EUR Billion), 2013–2018
Table 70: German Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Table 71: German Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Table 72: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Direct Marketing (EUR Billion), 2009–2013
Table 73: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Direct Marketing (EUR Billion), 2013–2018
Table 74: German Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 75: German Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 76: German Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 77: German Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 78: German Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Table 79: German Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Table 80: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Bancassurance (EUR Billion), 2009–2013
Table 81: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Bancassurance (EUR Billion), 2013–2018
Table 82: German Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 83: German Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 84: German Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 85: German Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 86: German Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2009–2013
Table 87: German Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2013–2018
Table 88: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Agencies (EUR Billion), 2009–2013
Table 89: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Agencies (EUR Billion), 2013–2018
Table 90: German Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 91: German Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 92: German Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 93: German Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 94: German Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2009–2013
Table 95: German Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2013–2018
Table 96: German Personal Accident and Health Insurance – New Business Gross Written Premium Through E-Commerce (EUR Billion), 2009–2013
Table 97: German Personal Accident and Health Insurance – New Business Gross Written Premium Through E-Commerce (EUR Billion), 2013–2018
Table 98: German Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 99: German Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 100: German Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
...

LIST OF FIGURES

Figure 1: Leading Global Insurance Markets – Economies and Populations, 2011
Figure 2: Leading Global Insurance Markets – Growth Trends in the Insurance Industry (%), 2007–2016
Figure 3: Leading Global Insurance Markets – Total Industry Values by Segment (US$ Billion), 2011
Figure 4: Leading Global Insurance Markets – Personal Accident and Health Insurance – Growth Trends (%), 2007–2016
Figure 5: Leading Global Insurance Markets – Personal Accident and Health Insurance – Gross Written Premiums (US$ Billion), 2007–2016
Figure 6: Leading Global Insurance Markets – Personal Accident and Health Insurance – Premiums Per Capita (US$), 2007–2016
Figure 7: Leading Global Insurance Markets – Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 8: Leading Global Insurance Markets – Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 9: Leading Global Insurance Markets – Personal Accident and Health Insurance – Gross Written Premium Capita Growth (%), 2007–2016
Figure 10: Leading Global Insurance Markets – Personal Accident and Health Insurance – Loss Ratios (%), 2011 and 2016
Figure 11: Leading Global Insurance Markets – Personal Accident and Health Insurance – Incurred Losses Per Capita (US$), 2011 and 2016
Figure 12: Leading Global Insurance Markets – Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 13: Leading Global Insurance Markets – Direct Marketing – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 14: Leading Global Insurance Markets – Bancassurance – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016.
Figure 15: Leading Global Insurance Markets – Agencies – Share of Personal Accident and Health insurance Gross Written Premium (%), 2007–2016
Figure 16: German Insurance – Gross Written Premium by Segment (EUR Billion), 2009–2018
Figure 17: German Insurance – Gross Written Premium Dynamics by Segment, (2009–2018)
Figure 18: German Insurance – Direct Written Premium by Segment (EUR Billion), 2009–2018
Figure 19: German Insurance – Dynamics by Segment, Direct Written Premium (2009–2018)
Figure 20: German Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Billion), 2009–2018
Figure 21: German Personal Accident and Health Insurance – Gross Written Premium by Category (% Share), 2013 and 2018
Figure 22: German Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 23: German Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2009–2018
Figure 24: German Personal Accident and Health Insurance – Direct Written Premium by Category (% Share), 2013 and 2018
Figure 25: German Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 26: German Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2009–2013
Figure 27: German Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2013–2018
Figure 28: German Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2009–2018
Figure 29: German Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2009–2018
Figure 30: German Personal Accident and Health Insurance – Retention by Category (EUR Billion), 2009–2018
Figure 31: German Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 32: German Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 33: German Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2009–2013
Figure 34: German Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2013–2018
Figure 35: German Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 36: German Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 37: German Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2009–2013
Figure 38: German Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2013–2018
Figure 39: German Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Figure 40: German Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Figure 41: German Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2009–2013
Figure 42: German Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2013–2018
Figure 43: German Personal Accident and Health Insurance – Retentions (EUR Billion), 2009–2013
Figure 44: German Personal Accident and Health Insurance – Retentions (EUR Billion), 2013–2018
Figure 45: German Personal Accident and Health Insurance – Total Investment (EUR Billion), 2009–2013
Figure 46: German Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013
Figure 47: German Personal Accident and Health Insurance – Penetration (%), 2009–2013
Figure 48: German Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 49: German Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 50: German Personal Accident and Health Insurance – Premium Per Capita (EUR), 2009–2013
Figure 51: German Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 52: German Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 53: German Personal Accident Insurance – Gross Written Premium (EUR Billion), 2009–2013
Figure 54: German Personal Accident Insurance – Gross Written Premium (EUR Billion), 2013–2018
Figure 55: German Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 56: German Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 57: German Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 58: German Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 59: German Travel Insurance – Gross Written Premium (EUR Billion), 2009–2013
Figure 60: German Travel Insurance – Gross Written Premium (EUR Billion), 2013–2018
Figure 61: German Travel Insurance – Loss Ratio (%), 2009–2013
Figure 62: German Travel Insurance – Loss Ratio (%), 2013–2018
Figure 63: German Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 64: German Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 65: German Non-Life Health Insurance – Gross Written Premium (EUR Billion), 2009–2013
Figure 66: German Health Insurance – Gross Written Premium (EUR Billion), 2013–2018
Figure 67: German Health Insurance – Direct Written Premium (EUR Billion), 2009–2013
Figure 68: German Health Insurance – Direct Written Premium (EUR Billion), 2013–2018
Figure 69: German Health Insurance – Loss Ratio (%), 2009–2013
Figure 70: German Health Insurance – Loss Ratio (%), 2013–2018
Figure 71: German Health Insurance – Retention (EUR Billion), 2009–2013
Figure 72: German Health Insurance – Retention (EUR Billion), 2013–2018
Figure 73: German Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2013 and 2018
Figure 74: German Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Figure 75: German Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Figure 76: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Direct Marketing (EUR Billion), 2009–2013
Figure 77: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Direct Marketing (EUR Billion), 2013–2018
Figure 78: German Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 79: German Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 80: German Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 81: German Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 82: German Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Figure 83: German Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Figure 84: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Bancassurance (EUR Billion), 2009–2013
Figure 85: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Bancassurance (EUR Billion), 2013–2018
Figure 86: German Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 87: German Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 88: German Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 89: German Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 90: German Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2009–2013
Figure 91: German Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2013–2018
Figure 92: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Agencies (EUR Billion), 2009–2013
Figure 93: German Personal Accident and Health Insurance – New Business Gross Written Premium Through Agencies (EUR Billion), 2013–2018
Figure 94: German Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 95: German Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 96: German Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 97: German Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 98: German Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2009–2013
Figure 99: German Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2013–2018
Figure 100: German Personal Accident and Health Insurance – New Business Gross Written Premium Through E-Commerce (EUR Billion), 2009–2013
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COMPANIES MENTIONED

Allianz Versicherung AG
Ergo Versicherung AG
R+V Allgemeine Versicherung AG
Signal Iduna Allgemeine Versicherung AG
AachenMünchener Lebensversicherung AG
Debeka Allgemeine Versicherung
Generali Versicherung AG
Axa Versicherung AG
LVM Sachversicherung AG
ADAC-Schutzbrief Versicherung

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