Germany Insurance Report 2014

Date: December 4, 2013
Pages: 73
US$ 1,295.00
Report type: Strategic Report
Delivery: E-mail Delivery (PDF), Download

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Includes 3 FREE quarterly updates

BMI View: The newsflow from late 2012 highlights two major themes. One is the resilience of the German insurance sector in the face of challenging economic conditions. Non-life premiums appear to have risen by around 3% in the first half of the year. This is partly thanks to a firming in rates for car insurance and partly because of the passing on to customers of the higher claims costs associated with catastrophes in 2011. As was the case in 2011, combined ratios have been improving: underwriting discipline and cost control continue to come to the fore. In the life segment, a decline in single premium product sales in 2011 was partially offset by a rise in more profitable recurring premium lines. The leading life insurance companies have indicated that these trends continued in H112.

In short, it remains clear that Germany has a clear competitive advantage as a provider of insurance solutions. This is the second major theme. Germany's leadership in insurance has been developed over the long-term as a result of the key protagonists working together to leverage the country's key strengths. An obvious advantage is the long-established concept that insurance is a useful vehicle for reducing the risks associated with unemployment or illness. Within Germany's Social-Market economy, the basic concept is that individuals must pay out of their own pocket in order to ensure that risks are defrayed - even if there is substantial public sector participation as well.
BMI Industry View
  Table: Germany's Total Premiums, 2010-2017
Business Environment
Industry Forecast
  Table: Germany's Life Premiums, 2010-2017
Non Life
  Table: Germany's Non-Life Premiums, 2010-2017
Industry Risk Reward Ratings
Germany Insurance Risk/Reward Ratings
  Table: Germany's Insurance Risk/Reward Ratings
Developed States Insurance Risk/Reward Ratings
  Table: Developed States Insurance Risk/Reward Ratings
Market Overview
Life Sector Update
Non Life Sector Update
Industry Trends And Developments
Life Growth Drivers and Risk Management Projections
  Table: Insurance Key Drivers, Demographics 2010-2017
Non Life Growth Drivers and Risk Management Projections
Macroeconomic Forecast
  Table: Germany - Economic Activity
Political Outlook
  Table: Developed States Regional Security Ratings (scores out of 100, with 100 the best)
Healthcare Sector
  Table: Insurance Key Drivers, Disease Adjusted Life Years 2010-2017
  Table: Insurance Key Drivers, Autos 2010-2017
Competitive Landscape
Company Profile
Generali Deutschland
Munich Re
Talanx AG
Zurich Insurance Group
Regional Overview
Developed States Life Sector Overview
  Table: Developed States Life Premiums, 2010-2017
Developed States Non Life Sector Overview
  Table: Developed States Non Life Premiums, 2010-2017 (US$mn)
Demographic Forecast
Demographic Outlook
  Table: Germany's Population By Age Group, 1990-2020 ('000)
  Table: Germany's Population By Age Group, 1990-2020 (% of total)
  Table: Germany's Key Population Ratios, 1990-2020
  Table: Germany's Rural And Urban Population, 1990-2020
Industry Forecast Methodology
Risk/Reward Rating Methodology
  Table: Insurance Risk/Reward Ratings Indicators
  Table: Weighting Of Indicators
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