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

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

Synopsis

Timetric’s 'Personal Accident and Health Insurance in Spain, Key Trends and Opportunities to 2020' report provides a detailed outlook by product category for the Spanish personal accident and health insurance segment, and a comparison of the Spanish 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 Spanish 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 Spain, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the Spanish personal accident and health insurance segment, including:

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

This report provides a comprehensive analysis of the personal accident and health insurance segment in Spain:
  • It provides historical values for the Spanish 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 Spanish personal accident and health insurance segment, and market forecasts to 2020.
  • It provides a comparison of the Spanish 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 Spain.
  • It profiles the top personal accident and health insurance companies in Spain, 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 Spanish personal accident and health insurance segment, and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the Spanish 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 Spanish insurance industry, and their impact on companies and the industry's future.
Key Highlights
  • The personal accident and health segment accounted for the lowest industry share of 16.2% in 2015, in terms of gross written premium.
  • The strong social security and healthcare system affects private health insurance; private healthcare expenditure as a percentage of GDP rose marginally, mainly due to the high quality of private healthcare.
  • The decreasing population will affect the demand for health insurance over the forecast period.
  • The penetration rate of the personal accident and health insurance segment stood at 0.8% of GDP in 2015.
  • According to Eurostat, the number of deaths due to road accidents in Spain fell by -70.6% between 1995 and 2015.


  • Key Facts and Highlights
    • Table Spanish Personal Accident and Health Insurance - Key Facts, 2015
  • Executive Summary
  • Economy and Demographics
    • Table Spanish Government Credit Ratings
  • Segment Outlook
    • Regional Comparison
    • Segment Indicators
      • Gross written premium and penetration
        • Table Spanish Personal Accident and Health Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Penetration (%), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2015-2020
        • Table Spanish Personal Accident and Health Insurance - Penetration (%), 2015-2020
        • Table Spanish Personal Accident and Health Insurance - Premium per Capita (EUR and US$), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Premium per Capita (EUR and US$), 2015-2020
      • Policies sold
        • Table Spanish Personal Accident and Health Insurance - Number of Policies Sold (Million), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Number of Policies Sold (Million), 2015-2020
      • Claims
        • Table Spanish Personal Accident and Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
      • Profitability
        • Table Spanish Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Profitability Ratio (%), 2015-2020
      • Assets and investments
        • Table Spanish Personal Accident and Health Insurance - Total Assets (EUR Billion and US$ Billion), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Total Assets (EUR Billion and US$ Billion), 2015-2020
        • Table Spanish Personal Accident and Health Insurance - Total Investment Income (EUR Million and US$ Million), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Total Investment Income (EUR Million and US$ Million), 2015-2020
        • Table Spanish Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2011-2015
        • Table Spanish Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2015-2020
  • Outlook by Category
    • Table Spanish Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2011-2015
    • Table Spanish Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2015-2020
    • Personal Accident Insurance
      • Premium
        • Table Spanish Personal Accident Insurance - Direct Written Premium (EUR Billion and US$ Billion), 2011-2015
        • Table Spanish Personal Accident Insurance - Direct Written Premium (EUR Billion and US$ Billion), 2015-2020
      • Policies
        • Table Spanish Personal Accident Insurance - Number of Policies Sold (Million), 2011-2015
        • Table Spanish Personal Accident Insurance - Number of Policies Sold (Million), 2015- 2020
      • Claims
        • Table Spanish Personal Accident Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
        • Table Spanish Personal Accident Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
      • Profitability
        • Table Spanish Personal Accident Insurance - Loss Ratio (%), 2011-2015
        • Table Spanish Personal Accident Insurance - Loss Ratio (%), 2015-2020
    • Health Insurance
      • Premium
        • Table Spanish Non-Life Health Insurance - Direct Written Premium (EUR Billion), 2011-2015
        • Table Spanish Non-Life Health Insurance - Direct Written Premium (EUR Billion), 2015-2020
      • Policies
        • Table Spanish Health Insurance - Number of Policies Sold by Sub-Category (Million), 2011-2015
        • Table Spanish Health Insurance - Number of Policies Sold by Sub-Category (Million), 2015-2020
      • Claims
        • Table Spanish Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
        • Table Spanish Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
      • Profitability
        • Table Spanish Health Insurance - Loss Ratio (%), 2011-2015
        • Table Spanish Health Insurance - Loss Ratio (%), 2015-2020
    • Travel Insurance
      • Premium
        • Table Spanish Travel Insurance - Direct Written Premium (EUR Million), 2011-2015
        • Table Spanish Travel Insurance - Direct Written Premium (EUR Million), 2015-2020
      • Policies
        • Table Spanish Travel Insurance - Number of Policies Sold (Million), 2011-2015
        • Table Spanish Travel Insurance - Number of Policies Sold (Million), 2015-2020
      • Claims
        • Table Spanish Travel Insurance - Paid Claims (EUR Million and US$ Million), 2011-2015
        • Table Spanish Travel Insurance - Paid Claims (EUR Million and US$ Million), 2015-2020
      • Profitability
        • Table Spanish Travel Insurance - Loss Ratio (%), 2011-2015
        • Table Spanish Travel Insurance - Loss Ratio (%), 2015-2020
  • Distribution Channel Outlook
    • Analysis by Distribution Channel
      • Table Spanish Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2015-2020
      • Table Spanish Personal Accident and Health Insurance - Percentage of Direct Written Premium, by Distribution Channel, 2011-2020
  • Competitive Landscape
    • Table Spanish Personal Accident and Health Insurance - Market Shares of Leading Insurers (%), 2015
    • Company Profiles
      • Segurcaixa Adeslas - company overview
        • Table Segurcaixa Adeslas - Key Facts
      • Sanitas - company overview
        • Table Sanitas - Key Facts
      • Asisa - company overview
        • Table Asisa - Key Facts
      • IMQ Seguro Medico - company overview
        • Table IMQ Seguro Medico - Key Facts
      • DKV Seguros Medicos - company overview
        • Table DKV Seguros Medicos - Key Facts
  • Governance, Risk and Compliance
    • Table Spain - 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 Spain - Life Insurance Regulatory Framework
      • Property insurance
        • Table Spain - Property Insurance Regulatory Framework
      • Motor insurance
        • Table Spain - Motor Insurance Regulatory Framework
      • Liability insurance
        • Table Spain - Liability Insurance Regulatory Framework
      • Marine, aviation and transit insurance
      • Personal accident and health insurance
    • Compulsory Insurance
      • Motor third-party liability insurance
      • Marine liability insurance
      • Marine passenger liability insurance
      • Social insurance system
      • Air carriers and aircraft operators insurance
        • Table Spain - Minimum Coverage for Aircraft Third-Party Liability per Accident Per Aircraft
      • Professional indemnity insurance for alternative investment fund managers
      • Liability for ships with respect to oil pollution
    • Supervision and Control
      • International Association of Insurance Supervisors
      • European Insurance and Occupational Pensions Authority
      • Federation of European Risk Management Associations
      • Directorate General of Insurance and Pension Funds
    • 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
      • Types of license
      • Capital requirements
      • Solvency margin
      • Reserve requirements
      • Investment regulations
      • Statutory return requirements
      • Fee structure
    • Taxation
      • Insurance premium or policy taxation
        • Table Spain - Insurance Premium Taxation
      • Withholding taxes on premium paid overseas
      • Corporate tax
        • Table Spain - Corporate Tax Rates for the Financial Year 2017
      • VAT
      • Captives
    • Legal System
      • Introduction
      • Access to court
      • Alternative dispute resolution
  • Databook
    • Policies and Premium
      • Table Spanish Personal Accident and Health Insurance Industry - Policies and Premium, 2011-2015
      • Table Spanish Personal Accident and Health Insurance Industry - Policies and Premium, 2015-2020
    • Claims and Expenses
      • Table Spanish Personal Accident and Health Insurance - Claims and Expenses, 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Claims and Expenses, 2015-2020
    • Assets and Investments
      • Table Spanish Personal Accident and Health Insurance - Assets and Investments, 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Assets and Investments, 2015-2020
    • Direct Marketing and E-Commerce
      • Table Spanish Personal Accident and Health Insurance - Direct Marketing and ECommerce,2011-2015
      • Table Spanish Personal Accident and Health Insurance - Direct Marketing and ECommerce, 2015-2020
    • Insurance Brokers and Agencies
      • Table Spanish Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2015-2020
    • Bancassurance and Other Distribution Channels
      • Table Spanish Personal Accident and Health Insurance - Bancassurance and Other Distribution Channels, 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Bancassurance and Other Distribution Channels, 2015-2020
    • Personal Accident Insurance
      • Table Spanish Personal Accident and Health Insurance - Personal Accident Insurance, 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Personal Accident Insurance, 2015-2020
    • Health Insurance
      • Table Spanish Personal Accident and Health Insurance - Health Insurance, 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Health Insurance, 2015-2020
    • Health Insurance by Product
      • Table Spanish Personal Accident and Health Insurance - Non-life Health, 2011-2015
      • Table Spanish Personal Accident and Health Insurance - Non-life Health, 2015-2020
    • Travel Insurance
      • Table Spanish Personal Accident and Health Insurance - Travel Insurance, 2011-2015
      • Table Spanish 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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