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

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

Synopsis

Timetric’s 'Personal Accident and Health Insurance in Croatia, Key Trends and Opportunities to 2020' report provides detailed analysis of the trends, drivers, challenges in the Croatian 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 (2011–2015) and forecast period (2015–2020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Croatian 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 Croatia, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the Croatian personal accident and health insurance segment, including:

  • The Croatian personal accident and health insurance segment’s growth prospects by insurance category
  • Key trends, drivers and challenges for the personal accident and health insurance segment
  • A comprehensive overview of the Croatian economy and demographics
  • The various distribution channels in the Croatian personal accident and health insurance segment
  • Details of the competitive landscape in the personal accident and health insurance segment in Croatia
  • Details of regulatory policy applicable to the Croatian insurance industry
Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in Croatia:
  • It provides historical values for the Croatian 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 Croatian personal accident and health insurance segment, and market forecasts to 2020.
  • It profiles the top personal accident and health insurance companies in Croatia, 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 Croatian personal accident and health insurance segment, and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the Croatian 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 Croatian insurance industry, and their impact on companies and the industry's future.
Key Highlights
  • In June 2017, Croatia Osiguranje d.d. received approval from Hrvatska Agencija Za Nadzor Financijskih Usluga (HANFA) to merge with Croatia Zdravstveno d.d., the private health insurance unit of Croatia Osiguranje.
  • On February 26, 2016, Uniqa Osiguranje d.d. issued a primary health insurance card by signing a contract with the Croatian Institute for Health Insurance.
  • In May 2016, Croatia Osiguranje obtained the regulatory approval to acquire more than a 10% stake in VELEBIT Osiguranje and VELEBIT Zivotno Osiguranje.


  • Key Facts and Highlights
    • Table Croatian Personal Accident and Health Insurance - Key Facts, 2015
    • Table Croatian Personal Accident and Health Insurance - Top Insurers, 2015
  • Executive Summary
  • Economy and Demographics
    • Table Croatian Government Credit Ratings
  • Segment Outlook
    • Regional Comparison
    • Segment Indicators
      • Gross written premium and penetration
        • Table Croatian Personal Accident and Health Insurance - Gross Written Premium (HRK Million and US$ Million), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Gross Written Premium (HRK Million and US$ Million), 2015-2020
        • Table Croatian Personal Accident and Health Insurance - Penetration (%), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Penetration (%), 2015-2020
        • Table Croatian Personal Accident and Health Insurance - Premium per Capita (HRK and US$), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Premium per Capita (HRK and US$), 2015-2020
      • Policies sold
        • Table Croatian Personal Accident and Health Insurance - Number of Policies Sold (Million), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Number of Policies Sold (Million), 2015-2020
      • Claims
        • Table Croatian Personal Accident and Health Insurance - Paid Claims (HRK Million and S$ Million), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Paid Claims (HRK Million and S$ Million), 2015-2020
      • Profitability
        • Table Croatian Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Profitability Ratio (%), 2015-2020
      • Assets and investments
        • Table Croatian Personal Accident and Health Insurance - Total Assets (HRK Billion and US$ Billion), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Total Assets (HRK Billion and US$ Billion), 2015-2020
        • Table Croatian Personal Accident and Health Insurance - Investment Portfolio (HRK Million), 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Investment Portfolio (HRK Million), 2015-2020
  • Outlook by Category
    • Personal Accident Insurance
      • Policies
        • Table Croatian Personal Accident Insurance - Number of Policies Sold (Million), 2011-2015
        • Table Croatian Personal Accident Insurance - Number of Policies Sold (Million), 2015-2020
      • Claims
        • Table Croatian Personal Accident Insurance - Paid Claims (HRK Million and US$ Million), 2011-2015
        • Table Croatian Personal Accident Insurance - Paid Claims (HRK Million and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Personal Accident Insurance - Loss Ratio (%), 2011-2015
        • Table Croatian Personal Accident Insurance - Loss Ratio (%), 2015-2020
    • Health Insurance
      • Policies
        • Table Croatian Health Insurance - Number of Policies Sold by Sub-Category (Thousand), 2011-2015
        • Table Croatian Health Insurance - Number of Policies Sold by Sub-Category (Thousand), 2015-2020
      • Claims
        • Table Croatian Health Insurance - Paid Claims (HRK Million and US$ Million), 2011-2015
        • Table Croatian Health Insurance - Paid Claims (HRK Million and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Health Insurance - Loss Ratio (%), 2011-2015
        • Table Croatian Health Insurance - Loss Ratio (%), 2015-2020
    • Travel Insurance
      • Policies
        • Table Croatian Travel Insurance - Number of Policies Sold (Thousand), 2011-2015
        • Table Croatian Travel Insurance - Number of Policies Sold (Thousand), 2015-2020
      • Claims
        • Table Croatian Travel Insurance - Paid Claims (HRK Million and US$ Million), 2011-2015
        • Table Croatian Travel Insurance - Paid Claims (HRK Million and US$ Million), 2015-2020
      • Profitability
        • Table Croatian Travel Insurance - Loss Ratio (%), 2011-2015
        • Table Croatian Travel Insurance - Loss Ratio (%), 2015-2020
  • Distribution Channel Outlook
    • Analysis by Distribution Channel
      • Table Croatian Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (HRK Million), 2011-2015
      • Table Croatian Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (HRK Million), 2015-2020
      • Table Croatian Personal Accident and Health Insurance - Percentage of Direct Written Premium Ceded, by Distribution Channel, 2011-2020
  • Competitive Landscape
    • Table Croatian Personal Accident and Health Insurance - Leading Insurers, 2015
    • Company Profiles
      • Croatia Osiguranje d.d. - company overview
        • Table Croatia Osiguranje d.d. - Key Facts
      • Euroherc Osiguranje d.d. - company overview
        • Table Euroherc Osiguranje d.d. - Key Facts
      • Allianz Zagreb d.d. - company overview
        • Table Allianz Zagreb d.d. - Key Facts
      • Jadransko Osiguranje d.d. - company overview
        • Table Jadransko Osiguranje d.d. - Key Facts
      • Triglav Osiguranje d.d. - company overview
        • Table Triglav Osiguranje d.d. - Key Facts
  • Governance, Risk and Compliance
    • Table Croatia - 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 Croatia - Life Insurance Regulatory Framework
      • Property insurance
        • Table Croatia - Property Insurance Regulatory Framework
      • Motor insurance
        • Table Croatia - Motor Insurance Regulatory Framework
      • Liability insurance
        • Table Croatia - Liability Insurance Regulatory Framework
      • Marine, aviation and transit insurance
      • Personal accident and health insurance
    • Compulsory Insurance
      • Personal accident insurance for passengers on public transport
      • Motor third-party liability insurance
      • Third-party liability insurance for boats and yachts
      • Health insurance
      • Unemployment insurance
      • Air carriers and aircraft operators insurance
        • Table Croatia - Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft
      • Professional indemnity insurance for alternative investment fund managers
      • Professional indemnity insurance for insurance brokers and agencies
      • Clinical trials liability insurance
      • Liability insurance for oil pollution
    • Supervision and Control
      • International Association of Insurance Supervisors
      • European Insurance and Occupational Pensions Authority
      • Croatian Financial Services Supervisory Agency
      • Federation of European Risk Management Associations
    • Non-Admitted Insurance Regulation
      • Overview
      • Intermediaries
      • Market practices
      • Fines and penalties
    • Company Registration and Operations
      • Type of insurance organization
      • Establishing a local company
      • Foreign ownership
      • Types of license
      • Capital requirements
      • Solvency margin
      • Reserve requirements
      • Investment regulations
      • Statutory return requirements
      • Fee structure
    • Taxation
      • Insurance premium or policy taxation
        • Table Croatia - Parafiscal Taxes on Insurance Premium
      • Withholding taxes on premium paid overseas
      • Corporate tax
        • Table Croatia ¬ Corporate Tax Rates for Financial Year 2017
      • VAT
      • Captives
    • Legal System
      • Introduction
      • Access to court
      • Alternative dispute resolution
  • Databook
    • Policies and Premium
      • Table Croatian Personal Accident and Health Insurance Industry - Policies and Premium, 2011-2015
      • Table Croatian Personal Accident and Health Insurance Industry - Policies and Premium, 2015-2020
      • Claims and expenses
        • Table Croatian Personal Accident and Health Insurance - Claims and Expenses, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Claims and Expenses, 2015-2020
      • Assets and investments
        • Table Croatian Personal Accident and Health Insurance - Assets and Investments, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Assets and Investments, 2015-2020
      • Direct marketing and e-commerce
        • Table Croatian Personal Accident and Health Insurance - Direct Marketing and E- Commerce, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Direct Marketing and ECommerce, 2015-2020
      • Insurance brokers and agencies
        • Table Croatian Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2015-2020
      • Bancassurance and other distribution channels
        • Table Croatian Personal Accident and Health Insurance - Bancassurance and Other Distribution Channels, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Bancassurance and Other Distribution Channels, 2015-2020
      • Personal accident insurance
        • Table Croatian Personal Accident and Health Insurance - Personal Accident Insurance, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Personal Accident Insurance, 2015-2020
      • Health insurance
        • Table Croatian Personal Accident and Health Insurance - Health Insurance, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Health Insurance, 2015-2020
      • Health insurance by product
        • Table Croatian Personal Accident and Health Insurance - Health by Product, 2011-2015
        • Table Croatian Personal Accident and Health Insurance - Health by Product, 2015-2020
      • Travel insurance
        • Table Croatian Personal Accident and Health Insurance - Travel Insurance, 2011-2015
        • Table Croatian 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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