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

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

Synopsis

Timetric’s 'Personal Accident and Health Insurance in Brazil Key Trends and Opportunities to 2020' report provides a detailed outlook by product category for the Brazilian life insurance segment, and a comparison of the Brazilian insurance industry with its regional counterparts.

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 (2011–2015) and forecast period (2015–2020).

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

The report brings together Timetric’s 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

Timetric’s 'Personal Accident and Health Insurance in Brazil Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the Brazilian personal accident and health insurance segment, including:

  • An overview of the Brazilian personal accident and health insurance segment
  • The Brazilian personal accident and health insurance segment’s growth prospects by category
  • A comprehensive overview of the Brazilian economy and demographics
  • A comparison of the Brazilian personal accident and health insurance segment with its regional counterparts
  • Overview of various distribution channels in the Brazilian personal accident and health insurance segment
  • Details of the competitive landscape in the personal accident and health insurance segment in Brazil
  • Details of regulatory policy applicable to the Brazilian insurance industry
Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in Brazil:
  • It provides historical values for the Brazilian personal accident and health insurance segment for the report’s 2011–2015 review period, and projected figures for the 2015–2020 forecast period.
  • It offers a detailed analysis of the key categories in the Brazilian personal accident and health insurance segment, and market forecasts to 2020.
  • It provides a comparison of the Brazilian personal accident and health insurance segment with its regional counterparts
  • It provides an overview of the various distribution channels for personal accident and health insurance products in Brazil.
  • It profiles the top personal accident and health insurance companies in Brazil, and outlines the key regulations affecting them.
Reasons To Buy
    Key Highlights
    • The Brazilian personal accident and health segment grew at a review-period CAGR of 17.6%.
    • The expansion of health and travel insurance primarily drove the segment’s growth during the review period.
    • Services provided by the public healthcare system are not of a high quality, and many affluent Brazilians are increasingly opting for private health cover.
    • Private health insurers which offer policies covering congenital complications are likely to record increased claims due to the Zika outbreak.
    • Cost-effective channels such as direct marketing and channels driven by technology are expanding quickly.
    • Healthcare and dental services, which are not covered by the public healthcare system, are expected to support growth in private health insurance over the forecast period.


    • Key Facts and Highlights
      • Table Brazilian Personal Accident and Health Insurance – Key Facts, 2014
      • Table Brazilian Personal Accident and Health Insurance – Segment Shares of the Top Insurers, 2015
    • Executive Summary
    • Economy and Demographics
      • Table BRICS Region – Real GDP (US$ Billion), 2015
      • Table Brazilian Government Credit Ratings
    • Segment Outlook
      • Regional Comparison
      • Segment Indicators
        • Gross written premium and penetration
          • Table Brazilian Personal Accident and Health Insurance – Gross Written Premium (BRL Billion and US$ Billion), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Penetration (%), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Gross Written Premium (BRL Billion and US$ Billion), 2015–2020
          • Table Brazilian Personal Accident and Health Insurance – Penetration (%), 2015–2020
          • Table Brazilian Personal Accident and Health Insurance – Premium per Capita (BRL and US$), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Premium per Capita (BRL and US$), 2015–2020
        • Claims
          • Table Brazilian Personal Accident and Health Insurance – Paid Claims (BRL Billion and US$ Billion), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Paid Claims (BRL Billion and US$ Billion), 2015–2020
        • Profitability
          • Table Brazilian Personal Accident and Health Insurance – Profitability Ratio (%), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Profitability Ratio (%), 2015–2020
        • Assets and investments
          • Table Brazilian Personal Accident and Health Insurance – Total Assets (BRL Billion and US$ Billion), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Total Assets (BRL Billion and US$ Billion), 2015–2020
          • Table Brazilian Personal Accident and Health Insurance – Total Investment Income (BRL Million and US$ Million), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Total Investment Income (BRL Million and US$ Million), 2015–2020
          • Table Brazilian Personal Accident and Health Insurance – Investment Portfolio (BRL Billion), 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Investment Portfolio (BRL Billion), 2015–2020
    • Outlook by Category
      • Table Brazilian Personal Accident and Health Insurance – Direct Written Premium by Category (BRL Million), 2011–2015
      • Table Brazilian Personal Accident and Health Insurance – Direct Written Premium by Category (BRL Billion), 2015–2020
      • Personal Accident Insurance
        • Premium
          • Table Brazilian Personal Accident Insurance – Direct Written Premium (BRL Billion and US$ Billion), 2011–2015
          • Table Brazilian Personal Accident Insurance – Direct Written Premium (BRL Billion and US$ Billion), 2015–2020
        • Claims
          • Table Brazilian Personal Accident Insurance – Paid Claims (BRL Million and US$ Million), 2011–2015
          • Table Brazilian Personal Accident Insurance – Paid Claims (BRL Million and US$ Million), 2015–2020
        • Profitability
          • Table Brazilian Personal Accident Insurance – Loss Ratio (%), 2011–2015
          • Table Brazilian Personal Accident Insurance – Loss Ratio (%), 2015–2020
      • Health Insurance
        • Premium
          • Table Brazilian Health Insurance – Direct Written Premium by Sub-Category (BRL Billion), 2011–2015
          • Table Brazilian Health Insurance – Direct Written Premium by Sub-Category (BRL Billion), 2015–2020
        • Claims
          • Table Brazilian Health Insurance – Paid Claims (BRL Billion and US$ Billion), 2011–2015
          • Table Brazilian Health Insurance – Paid Claims (BRL Billion and US$ Billion), 2015–2020
        • Profitability
          • Table Brazilian Health Insurance – Loss Ratio (%), 2011–2015
          • Table Brazilian Health Insurance – Loss Ratio (%), 2015–2020
      • Travel Insurance
        • Premium
          • Table Brazilian Travel Insurance – Direct Written Premium (BRL Million), 2011–2015
          • Table Brazilian Travel Insurance – Direct Written Premium (BRL Million), 2015–2020
        • Claims
          • Table Brazilian Travel Insurance – Paid Claims (BRL Million and US$ Million), 2011–2015
          • Table Brazilian Travel Insurance – Paid Claims (BRL Million and US$ Million), 2015–2020
        • Profitability
          • Table Brazilian Travel Insurance – Loss Ratio (%), 2011–2015
          • Table Brazilian Travel Insurance – Loss Ratio (%), 2015–2020
    • Distribution Channel Outlook
    • Natural and Man-Made Hazards
      • Table Average Annual Loss by Hazard (1990–2015)
      • Flooding
      • Droughts
      • Landslides
      • Storms
      • Epidemics
      • Man-Made Disasters
      • Exposure
    • Competitive Landscape
      • Table Brazilian Personal Accident and Health Insurance – Segment Shares of the Leading Insurers (%), 2015
      • Company Profiles
        • Itaú Seguros SA – company overview
          • Table Itaú Seguros SA – Key Facts
        • Bradesco Vida e Previdência SA – company overview
          • Table Bradesco Vida e Previdência SA – Key Facts
        • Zurich Santander Brasil Seguros e Previdência SA – company overview
          • Table Zurich Santander Brasil Seguros e Previdência SA – Key Facts
        • Companhia de Seguros Aliança do Brasil – company overview
          • Table Companhia de Seguros Aliança do Brasil – Key Facts
        • Metropolitan Life Seguros e Previdência – company overview
          • Table Metropolitan Life Seguros e Previdência – Key Facts
    • Governance, Risk and Compliance
      • Table Brazil – Insurance Regulatory Framework Key Features
      • Legislation Overview and Historical Evolution
      • Latest Changes in Regulation
      • Legislation and Market Practice by Type of Insurance
        • Life Insurance
          • Table Brazil – Life Insurance Regulatory Framework
        • Property Insurance
          • Table Brazil – Property Insurance Regulatory Framework
        • Motor Insurance
          • Table Brazil – Motor Insurance Regulatory Framework
        • Liability insurance
          • Table Brazil – Liability Insurance Regulatory Framework
        • Marine, aviation and transit insurance
        • Personal accident and health insurance
      • Compulsory Insurance
        • Motor third-party liability insurance
          • Table Brazil – Compensation Provided by the Insurer in the Event of an Accident
        • Insurance for personal injury caused by ships or cargos
          • Table Brazil – Compensation Provided by the Insurer in the Event of an Accident
        • Social security scheme
        • Domestic credit insurance
      • Supervision and Control
        • International Association of Insurance Supervisors
        • Association of Insurance Supervisors Latin America
        • National Private Insurance Council
        • Superintendent of Private Insurance
        • National Confederation of General Insurance, Private Pension and Life, Supplementary Health and Capitalization Companies
        • National Federation of General Insurance
        • National Federation of Open Private Pension and Life
        • National Federation of Supplementary Health
        • National Federation of Capitalization
      • Non-Admitted Insurance Regulations
        • Overview
        • Intermediaries
        • Market practices
        • Fines and penalties
      • Company Registration and Operations
        • Type of insurance organization
        • Establishing a local company
        • Foreign ownership
          • Table Brazil – Ratings Required For Registration Of Reinsurance Business
          • Table Brazil – Ratings Required For Registration Of Occasional Business
        • Types of license
        • Capital requirements
          • Table Brazil – Base Capital – Variable Component by Region
        • Solvency margin
          • Table Brazil – Risks Correlation Factor
        • Reserve requirements
        • Investment regulations
        • Statutory return requirements
        • Fee structure
      • Taxation
        • Insurance premium or policy taxations
        • Withholding taxes on premium paid overseas.
        • Corporate tax
          • Table Brazil – Corporate Tax Rates for the Financial Year 2016
        • VAT
        • Captives
      • Legal System
        • Introduction
        • Access to court
        • Alternative dispute resolution (ADR)
    • Databook
      • Policies and Premium
        • Table Brazilian Personal Accident and Health Insurance Industry – Policies and Premium, 2011–2015
        • Table Brazilian Personal Accident and Health Insurance Industry – Policies and Premium, 2015–2020
        • Claims and expenses
          • Table Brazilian Personal Accident and Health Insurance – Claims and Expenses, 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Claims and Expenses, 2015–2020
        • Assets and investments
          • Table Brazilian Personal Accident and Health Insurance – Assets and Investments, 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Assets and Investments, 2015–2020
        • Personal accident insurance
          • Table Brazilian Personal Accident and Health Insurance – Personal Accident Insurance, 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Personal Accident Insurance, 2015–2020
        • Health insurance
          • Table Brazilian Personal Accident and Health Insurance – Health Insurance, 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Health Insurance, 2015–2020
        • Health insurance by product
          • Table Brazilian Personal Accident and Health Insurance – Health by Product, 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Health by Product, 2015–2020
        • Travel insurance
          • Table Brazilian Personal Accident and Health Insurance – Travel Insurance, 2011–2015
          • Table Brazilian Personal Accident and Health Insurance – Travel Insurance, 2015–2020
    • Definitions and Methodology
      • Definitions
        • Table Insurance Industry Definitions
      • Methodology
    • About Timetric
      • Contact Timetric
      • About Timetric
      • Timetric's Services
      • Disclaimer

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