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Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017 - Product Image

Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017

  • ID: 2847984
  • May 2014
  • Region: Romania
  • 243 Pages
  • Timetric

FEATURED COMPANIES

  • Astra SA
  • Axa Life Insurance SA
  • Eureko Asigurari SA
  • Generali Asigurari SA
  • Omniasig VIG
  • MORE

The report provides in depth market analysis, information and insights into the Romanian personal accident and health insurance segment, including:

- The Romanian 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 Romanian personal accident and health insurance segment

- The detailed competitive landscape in the personal accident and health insurance segment in Romania

- Detailed regulatory policies of the Romanian insurance industry

- A description of the personal accident and health reinsurance segment in Romania

- Porter's Five Forces analysis of the personal accident and health insurance segment

- A benchmarking section on the Romanian life insurance segment in comparison with other countries in the Central and Eastern European Region

Summary

The personal accident and health segment is the smallest in the country’s insurance industry, accounting for 4.8% of the gross written premium in 2012. Despite Romania being adversely affected by the READ MORE >

FEATURED COMPANIES

  • Astra SA
  • Axa Life Insurance SA
  • Eureko Asigurari SA
  • Generali Asigurari SA
  • Omniasig VIG
  • MORE

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 - 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
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 Combined ratio
4.3.3 Incurred losses per capita
4.3.4 Incurred losses as a percentage of GDP
4.4 Distribution Channels
4.4.1 Direct marketing
4.4.2 E-commerce
4.4.3 Brokers
4.4.4 Bancassurance
4.4.5 Agencies

5 Romanian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008-2017
5.2 Key Industry Trends and Drivers

6 Personal Accident and Health Insurance Segment Outlook
6.1 Personal Accident and Health Insurance Growth Prospects by Category
6.1.1 Personal accident insurance
6.1.2 Travel insurance
6.1.3 Health insurance
6.1.4 Non-life health insurance
6.1.5 Life 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 - Romanian Personal Accident and Health Insurance
8.1 Bargaining Power of Suppliers: Low
8.2 Bargaining Power of Buyers: Medium to High
8.3 Barriers to Entry: Low
8.4 Intensity of Rivalry: Medium to High
8.5 Threat of Substitutes: Low to Medium

9 Reinsurance Growth Dynamics and Challenges
9.1 Reinsurance Segment Size, 2008-2017
9.2 Reinsurance Segment Size by Type of Insurance, 2008-2017

10 Governance, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation and Market Practice by Type of Insurance
10.2.1 Life insurance
10.2.2 Property insurance
10.2.3 Motor insurance
10.2.4 Marine, aviation and transit insurance
10.2.5 Personal accident and health insurance
10.3 Compulsory Insurance
10.3.1 Motor third-party liability insurance
10.3.2 Insurance of dwellings against earthquakes, landslides and flooding
10.3.3 Nuclear liability insurance
10.3.4 Social security insurance
10.4 Supervision and Control
10.4.1 International Association of Insurance Supervisors
10.4.2 European Insurance and Occupational Pensions Authority
10.4.3 Insurance Supervisory Commission
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 Withholding taxes on premium paid overseas
10.7.3 Corporate tax
10.7.4 VAT
10.7.5 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 Romanian Personal Accident and Health Segment
11.3 Astra SA - Company Overview
11.3.1 Astra SA - key facts
11.4 Alico Asigurari Romania SA - Company Overview
11.4.1 Alico Asigurari Romania SA - key facts
11.5 Allianz-Tiriac Asigurari SA - Company Overview
11.5.1 Allianz-Tiriac Asigurari SA - key facts
11.6 Generali Romania SA - Company Overview
11.6.1 Generali Romania SA - key facts
11.7 Credit Europe Asigurari-Reasigurari SA - Company Overview
11.7.1 Credit Europe Asigurari-Reasigurari SA - key facts
11.8 Omniasig VIG - Company Overview
11.8.1 Omniasig VIG - key facts
11.9 BCR Asigurari de Viata Vienna Insurance Group SA - Company Overview
11.9.1 BCR Asigurari de Viata Vienna Insurance Group SA - key facts
11.1 Eureko Asigurari SA - Company Overview
11.10.1 Eureko Asigurari SA - key facts
11.11 Signal Iduna Asigurari de Viata SA - Company Overview
11.11.1 Signal Iduna Asigurari de Viata SA - key facts
11.12 Axa Life Insurance SA - Company Overview
11.12.1 Axa Life Insurance SA - key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend - Bucharest Stock Exchange, Romania
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 net output at current prices (US$)
12.2.7 Agriculture net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
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
13.3 About
13.4 Services
13.5 Disclaimer

List of Tables

Table 1: Insurance Industry Definitions
Table 2: Romanian Insurance - Overall Written Premium by Segment (RON Billion), 2008-2012
Table 3: Romanian Insurance - Overall Written Premium by Segment (US$ Billion), 2008-2012
Table 4: Romanian Insurance - Overall Written Premium by Segment (RON Billion), 2012-2017
Table 5: Romanian Insurance - Overall Written Premium by Segment (US$ Billion), 2012-2017
Table 6: Romanian Insurance - Segmentation (Percentage Share), 2008-2017
Table 7: Romanian Personal Accident and Health Insurance - Written Premium by Category (RON Million), 2008-2012
Table 8: Romanian Personal Accident and Health Insurance - Written Premium by Category (US$ Million), 2008-2012
Table 9: Romanian Personal Accident and Health Insurance - Written Premium by Category (RON Million), 2012-2017
Table 10: Romanian Personal Accident and Health Insurance - Written Premium by Category (US$ Million), 2012-2017
Table 11: Romanian Personal Accident and Health Insurance - Earned Premium (RON Billion), 2008-2012
Table 12: Romanian Personal Accident and Health Insurance - Earned Premium (RON Billion), 2012-2017
Table 13: Romanian Personal Accident and Health Insurance - Paid Claims by Category (RON Million), 2008-2012
Table 14: Romanian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2008-2012
Table 15: Romanian Personal Accident and Health Insurance - Paid Claims by Category (RON Million), 2012-2017
Table 16: Romanian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2012-2017
Table 17: Romanian Personal Accident and Health Insurance - Incurred Loss by Category (RON Million), 2008-2012
Table 18: Romanian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2008-2012
Table 19: Romanian Personal Accident and Health Insurance - Incurred Loss by Category (RON Million), 2012-2017
Table 20: Romanian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2012-2017
Table 21: Romanian Personal Accident and Health Insurance - Loss Ratio (%), 2008-2012
Table 22: Romanian Personal Accident and Health Insurance - Loss Ratio (%), 2012-2017
Table 23: Romanian Personal Accident and Health Insurance - Commission and Expenses (RON Million), 2008-2012
Table 24: Romanian Personal Accident and Health Insurance - Commission and Expenses (RON Billion), 2012-2017
Table 25: Romanian Personal Accident and Health Insurance - Combined Ratio (%), 2008-2012
Table 26: Romanian Personal Accident and Health Insurance - Combined Ratio (%), 2012-2017
Table 27: Romanian Personal Accident and Health Insurance - Frauds and Crimes (RON Million), 2008-2012
Table 28: Romanian Personal Accident and Health Insurance - Frauds and Crimes (RON Million), 2012-2017
Table 29: Romanian Personal Accident and Health Insurance - Total Assets (RON Billion), 2008-2012
Table 30: Romanian Personal Accident and Health Insurance - Total Assets (RON Billion), 2012-2017
Table 31: Romanian Personal Accident and Health Insurance - Total Investment Income (RON Million), 2008-2012
Table 32: Romanian Personal Accident and Health Insurance - Total Investment Income (RON Million), 2012-2017
Table 33: Romanian Personal Accident and Health Insurance - Retentions (RON Billion), 2008-2012
Table 34: Romanian Personal Accident and Health Insurance - Retentions (RON Billion), 2012-2017
Table 35: Romanian Personal Accident Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 36: Romanian Personal Accident Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 37: Romanian Personal Accident Insurance - Written Premium (RON Million), 2008-2012
Table 38: Romanian Personal Accident Insurance - Written Premium (RON Billion), 2012-2017
Table 39: Romanian Personal Accident Insurance - Loss Ratio (%), 2008-2012
Table 40: Romanian Personal Accident Insurance - Loss Ratio (%), 2012-2017
Table 41: Romanian Travel Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 42: Romanian Travel Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 43: Romanian Travel Insurance - Written Premium (RON Million), 2008-2012
Table 44: Romanian Travel Insurance - Written Premium (RON Million), 2012-2017
Table 45: Romanian Travel Insurance - Loss Ratio (%), 2008-2012
Table 46: Romanian Travel Insurance - Loss Ratio (%), 2012-2017
Table 47: Romanian Health Insurance - Written Premium by Sub-Category (RON Million), 2008-2012
Table 48: Romanian Health Insurance - Written Premium by Sub-Category (US$ Million), 2008-2012
Table 49: Romanian Health Insurance - Written Premium by Sub-Category (RON Million), 2012-2017
Table 50: Romanian Health Insurance - Written Premium by Sub-Category (US$ Million), 2012-2017
Table 51: Romanian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 52: Romanian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 53: Romanian Non-Life Health Insurance - Written Premium (RON Million), 2008-2012
Table 54: Romanian Non-Life Health Insurance - Written Premium (RON Million), 2012-2017
Table 55: Romanian Non-Life Health Insurance - Loss Ratio (%), 2008-2012
Table 56: Romanian Non-Life Health Insurance - Loss Ratio (%), 2012-2017
Table 57: Romanian Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 58: Romanian Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 59: Romanian Life Health Insurance - Written Premium (RON Million), 2008-2012
Table 60: Romanian Life Health Insurance - Written Premium (RON Million), 2012-2017
Table 61: Romanian Life Health Insurance - Loss Ratio (%), 2008-2012
Table 62: Romanian Life Health Insurance - Loss Ratio (%), 2012-2017
Table 63: Romanian Personal Accident and Health Insurance - Direct Marketing Commission Paid (RON Million), 2008-2012
Table 64: Romanian Personal Accident and Health Insurance - Direct Marketing Commission Paid (RON Million), 2012-2017
Table 65: Romanian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (RON Million), 2008-2012
Table 66: Romanian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (RON Million), 2012-2017
Table 67: Romanian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2008-2012
Table 68: Romanian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2012-2017
Table 69: Romanian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2008-2012
Table 70: Romanian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2012-2017
Table 71: Romanian Personal Accident and Health Insurance - Bancassurance Commission Paid (RON Million), 2008-2012
Table 72: Romanian Personal Accident and Health Insurance - Bancassurance Commission Paid (RON Million), 2012-2017
Table 73: Romanian Personal Accident and Health Insurance - Written Premium Through Bancassurance (RON Million), 2008-2012
Table 74: Romanian Personal Accident and Health Insurance - Written Premium Through Bancassurance (RON Million), 2012-2017
Table 75: Romanian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2008-2012
Table 76: Romanian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2012-2017
Table 77: Romanian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2008-2012
Table 78: Romanian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2012-2017
Table 79: Romanian Personal Accident and Health Insurance - Commission Paid to Agencies (RON Million), 2008-2012
Table 80: Romanian Personal Accident and Health Insurance - Commission Paid to Agencies (RON Million), 2012-2017
Table 81: Romanian Personal Accident and Health Insurance - Written Premium Through Agencies (RON Million), 2008-2012
Table 82: Romanian Personal Accident and Health Insurance - Written Premium Through Agencies (RON Billion), 2012-2017
Table 83: Romanian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2008-2012
Table 84: Romanian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2012-2017
Table 85: Romanian Personal Accident and Health Insurance - Number of Agencies, 2008-2012
Table 86: Romanian Personal Accident and Health Insurance - Number of Agencies, 2012-2017
Table 87: Romanian Personal Accident and Health Insurance - E-Commerce Commission Paid (RON Million), 2008-2012
Table 88: Romanian Personal Accident and Health Insurance - E-Commerce Commission Paid (RON Million), 2012-2017
Table 89: Romanian Personal Accident and Health Insurance - Written Premium Through E-Commerce (RON Million), 2008-2012
Table 90: Romanian Personal Accident and Health Insurance - Written Premium Through E-Commerce (RON Million), 2012-2017
Table 91: Romanian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2008-2012
Table 92: Romanian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2012-2017
Table 93: Romanian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2008-2012
Table 94: Romanian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2012-2017
Table 95: Romanian Personal Accident and Health Insurance - Commission Paid to Brokers (RON Million), 2008-2012
Table 96: Romanian Personal Accident and Health Insurance - Commission Paid to Brokers (RON Million), 2012-2017
Table 97: Romanian Personal Accident and Health Insurance - Written Premium Through Brokers (RON Million), 2008-2012
Table 98: Romanian Personal Accident and Health Insurance - Written Premium Through Brokers (RON Billion), 2012-2017
Table 99: Romanian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2008-2012
Table 100: Romanian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2012-2017
Table 101: Romanian Personal Accident and Health Insurance - Number of Brokers, 2008-2012
Table 102: Romanian Personal Accident and Health Insurance - Number of Brokers, 2012-2017
Table 103: Romanian Personal Accident and Health Insurance - Commission Paid to Other Channels (RON Million), 2008-2012
Table 104: Romanian Personal Accident and Health Insurance - Commission Paid to Other Channels (RON Million), 2012-2017
Table 105: Romanian Personal Accident and Health Insurance - Written Premium Through Other Channels (RON Million), 2008-2012
Table 106: Romanian Personal Accident and Health Insurance - Written Premium Through Other Channels (RON Million), 2012-2017
Table 107: Romanian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2008-2012
Table 108: Romanian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2012-2017
Table 109: Romanian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2008-2012
Table 110: Romanian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2012-2017
Table 111: Reinsurance in Romania by Category (RON Million), 2008-2012
Table 112: Reinsurance in Romania by Category (US$ Million), 2008-2012
Table 113: Reinsurance in Romania by Category (RON Million), 2012-2017
Table 114: Reinsurance in Romania by Category (US$ Million), 2012-2017
Table 115: Romanian Premium Ceded to Reinsurance by Type of Insurance (RON Million), 2008-2012
Table 116: Romanian Premium Ceded to Reinsurance by Type of Insurance (US$ Million), 2008-2012
Table 117: Romanian Premium Ceded to Reinsurance by Type of Insurance (RON Million), 2012-2017
Table 118: Romanian Premium Ceded to Reinsurance by Type of Insurance (US$ Million), 2012-2017
Table 119: Romanian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2008-2012
Table 120: Romanian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2012-2017
Table 121: Romania - Life Insurance Regulatory Framework
Table 122: Romania - Property Insurance Regulatory Framework
Table 123: Romania - Motor Insurance Regulatory Framework
Table 124: Romania- Corporate Taxes for Financial Year 2013
Table 125: Shares of Key Insurers in the Romanian Personal Accident and Health Insurance Segment (%), 2012
Table 126: Astra SA, Key Facts
Table 127: Alico Asigurari Romania SA, Key Facts
Table 128: Allianz-Tiriac Asigurari SA, Key Facts
Table 129: Generali Romania SA, Key Facts
Table 130: Credit Europe Asigurari-Reasigurari SA, Key Facts
Table 131: Omniasig VIG , Key Facts
Table 132: BCR Asigurari de Viata Vienna Insurance Group SA, Key Facts
Table 133: Eureko Asigurari SA, Key Facts
Table 134: Signal Iduna Asigurari de Viata SA, Key Facts
Table 135: Axa Life Insurance SA, Key Facts

List of Figures

Figure 1: Central and Eastern European Region - Economies and Populations, 2012
Figure 2: Central and Eastern European Region - Growth Trends in the Insurance Industry (%), 2007-2017
Figure 3: Central and Eastern European Region - Total Industry Values by Segment (US$ Billion), 2012
Figure 4: Central and Eastern European Region - Personal Accident and Health Insurance Growth Trends (%), 2007-2017
Figure 5: Central and Eastern European Region - Personal Accident and Health Insurance Gross Written Premiums (US$ Billion), 2007-2017
Figure 6: Central and Eastern European Region - Personal Accident and Health Insurance Premiums Per Capita (US$), 2007-2017
Figure 7: Central and Eastern European Region - Personal Accident and Health Insurance Penetration (%), 2012 and 2017
Figure 8: Central and Eastern European Region - Personal Accident and Health Insurance Gross Written Premium Growth (%), 2008-2017
Figure 9: Central and Eastern European Region - Personal Accident and Health Insurance Gross Written Premium Capita Growth (%), 2008-2017
Figure 10: Central and Eastern European Region - Personal Accident and Health Insurance Loss Ratios (%), 2012 and 2017
Figure 11: Central and Eastern European Region - Personal Accident and Health Insurance Combined Ratios (%), 2012 and 2017
Figure 12: Central and Eastern European Region - Personal Accident and Health Insurance Incurred Losses per Capita (US$), 2012 and 2017
Figure 13: Central and Eastern European Region - Personal Accident and Health Insurance Incurred Losses as a Percentage of GDP (%), 2012 and 2017
Figure 14: Central and Eastern European Region - Direct Marketing’s Share of Personal Accident and Health Insurance Gross Written Premium (%), 2008-2017
Figure 15: Central and Eastern European Region - E-Commerce’s Share of Personal Accident and Health Insurance Gross Written Premium (%), 2008-2017
Figure 16: Central and Eastern European Region - Insurance Brokers’ Share of Personal Accident and Health Insurance Gross Written Premium (%), 2008-2017
Figure 17: Central and Eastern European Region - Bancassurance’s Share of Personal Accident and Health Insurance Gross Written Premium (%), 2008-2017
Figure 18: Central and Eastern European Region - Agencies’ Share of Personal Accident and Health insurance Gross Written Premium (%), 2008-2017
Figure 19: Romanian Insurance - Overall Written Premium by Segment (RON Billion), 2008-2017
Figure 20: Romanian Insurance - Dynamics by Segment (%), 2008-2017
Figure 21: Romanian Personal Accident and Health Insurance - Written Premium by Category (RON Million), 2008-2017
Figure 22: Romanian Personal Accident and Health Insurance - Written Premium by Category (% Share), 2012 and 2017
Figure 23: Romanian Personal Accident and Health Insurance - Dynamics by Category, 2008-2017
Figure 24: Romanian Personal Accident and Health Insurance - Earned Premium (RON Billion), 2008-2012
Figure 25: Romanian Personal Accident and Health Insurance - Earned Premium (RON Billion), 2012-2017
Figure 26: Romanian Personal Accident and Health Insurance - Paid Claims by Category (RON Million), 2008-2017
Figure 27: Romanian Personal Accident and Health Insurance - Incurred Loss by Category (RON Million), 2008-2017
Figure 28: Romanian Personal Accident and Health Insurance - Loss Ratio (%), 2008-2012
Figure 29: Romanian Personal Accident and Health Insurance - Loss Ratio (%), 2012-2017
Figure 30: Romanian Personal Accident and Health Insurance - Commission and Expenses (RON Million), 2008-2012
Figure 31: Romanian Personal Accident and Health Insurance - Commission and Expenses (RON Billion), 2012-2017
Figure 32: Romanian Personal Accident and Health Insurance - Combined Ratio (%), 2008-2012
Figure 33: Romanian Personal Accident and Health Insurance - Combined Ratio (%), 2012-2017
Figure 34: Romanian Personal Accident and Health Insurance - Frauds and Crimes (RON Million), 2008-2012
Figure 35: Romanian Personal Accident and Health Insurance - Frauds and Crimes (RON Million), 2012-2017
Figure 36: Romanian Personal Accident and Health Insurance - Total Assets (RON Billion), 2008-2012
Figure 37: Romanian Personal Accident and Health Insurance - Total Assets (RON Billion), 2012-2017
Figure 38: Romanian Personal Accident and Health Insurance - Total Investment Income (RON Million), 2008-2012
Figure 39: Romanian Personal Accident and Health Insurance - Total Investment Income (RON Million), 2012-2017
Figure 40: Romanian Personal Accident and Health Insurance - Retentions (RON Billion), 2008-2012
Figure 41: Romanian Personal Accident and Health Insurance - Retentions (RON Billion), 2012-2017
Figure 42: Romanian Personal Accident and Health Insurance - Investment Portfolio (RON Billion), 2008-2012
Figure 43: Romanian Personal Accident and Health Insurance - Investment Portfolio (% Share), 2008 and 2012
Figure 44: Romanian Personal Accident and Health Insurance - Penetration (%), 2008-2012
Figure 45: Romanian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 46: Romanian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 47: Romanian Personal Accident and Health Insurance - Premium per Capita (RON), 2008-2012
Figure 48: Romanian Personal Accident Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 49: Romanian Personal Accident Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 50: Romanian Personal Accident Insurance - Written Premium (RON Million), 2008-2012
Figure 51: Romanian Personal Accident Insurance - Written Premium (RON Billion), 2012-2017
Figure 52: Romanian Personal Accident Insurance - Loss Ratio (%), 2008-2012
Figure 53: Romanian Personal Accident Insurance - Loss Ratio (%), 2012-2017
Figure 54: Romanian Travel Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 55: Romanian Travel Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 56: Romanian Travel Insurance - Written Premium (RON Million), 2008-2012
Figure 57: Romanian Travel Insurance - Written Premium (RON Million), 2012-2017
Figure 58: Romanian Travel Insurance - Loss Ratio (%), 2008-2012
Figure 59: Romanian Travel Insurance - Loss Ratio (%), 2012-2017
Figure 60: Romanian Health Insurance - Written Premium by Sub-Category (RON Million), 2008-2017
Figure 61: Romanian Health Insurance - Dynamics by Sub-Category, 2008-2017
Figure 62: Romanian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 63: Romanian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 64: Romanian Non-Life Health Insurance - Written Premium (RON Million), 2008-2012
Figure 65: Romanian Non-Life Health Insurance - Written Premium (RON Million), 2012-2017
Figure 66: Romanian Non-Life Health Insurance - Loss Ratio (%), 2008-2012
Figure 67: Romanian Non-Life Health Insurance - Loss Ratio (%), 2012-2017
Figure 68: Romanian Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 69: Romanian Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 70: Romanian Life Health Insurance - Written Premium (RON Million), 2008-2012
Figure 71: Romanian Life Health Insurance - Written Premium (RON Million), 2012-2017
Figure 72: Romanian Life Health Insurance - Loss Ratio (%), 2008-2012
Figure 73: Romanian Life Health Insurance - Loss Ratio (%), 2012-2017
Figure 74: Romanian Personal Accident and Health Insurance - Written Premium by Distribution Channel (Percentage Share), 2012 and 2017
Figure 75: Romanian Personal Accident and Health Insurance - Direct Marketing Commission Paid (RON Million), 2008-2012
Figure 76: Romanian Personal Accident and Health Insurance - Direct Marketing Commission Paid (RON Million), 2012-2017
Figure 77: Romanian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (RON Million), 2008-2012
Figure 78: Romanian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (RON Million), 2012-2017
Figure 79: Romanian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2008-2012
Figure 80: Romanian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2012-2017
Figure 81: Romanian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2008-2012
Figure 82: Romanian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2012-2017
Figure 83: Romanian Personal Accident and Health Insurance - Bancassurance Commission Paid (RON Million), 2008-2012
Figure 84: Romanian Personal Accident and Health Insurance - Bancassurance Commission Paid (RON Million), 2012-2017
Figure 85: Romanian Personal Accident and Health Insurance - Written Premium Through Bancassurance (RON Million), 2008-2012
Figure 86: Romanian Personal Accident and Health Insurance - Written Premium Through Bancassurance (RON Million), 2012-2017
Figure 87: Romanian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2008-2012
Figure 88: Romanian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2012-2017
Figure 89: Romanian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2008-2012
Figure 90: Romanian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2012-2017
Figure 91: Romanian Personal Accident and Health Insurance - Commission Paid to Agencies (RON Million), 2008-2012
Figure 92: Romanian Personal Accident and Health Insurance - Commission Paid to Agencies (RON Million), 2012-2017
Figure 93: Romanian Personal Accident and Health Insurance - Written Premium Through Agencies (RON Million), 2008-2012
Figure 94: Romanian Personal Accident and Health Insurance - Written Premium Through Agencies (RON Billion), 2012-2017
Figure 95: Romanian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2008-2012
Figure 96: Romanian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2012-2017
Figure 97: Romanian Personal Accident and Health Insurance - Number of Agencies, 2008-2012
Figure 98: Romanian Personal Accident and Health Insurance - Number of Agencies, 2012-2017
Figure 99: Romanian Personal Accident and Health Insurance - E-Commerce Commission Paid (RON Million), 2008-2012
Figure 100: Romanian Personal Accident and Health Insurance - E-Commerce Commission Paid (RON Million), 2012-2017
Figure 101: Romanian Personal Accident and Health Insurance - Written Premium Through E-Commerce (RON Million), 2008-2012
Figure 102: Romanian Personal Accident and Health Insurance - Written Premium Through E-Commerce (RON Million), 2012-2017
Figure 103: Romanian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2008-2012
Figure 104: Romanian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2012-2017
Figure 105: Romanian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2008-2012
Figure 106: Romanian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2012-2017
Figure 107: Romanian Personal Accident and Health Insurance - Commission Paid to Brokers (RON Million), 2008-2012
Figure 108: Romanian Personal Accident and Health Insurance - Commission Paid to Brokers (RON Million), 2012-2017
Figure 109: Romanian Personal Accident and Health Insurance - Written Premium Through Brokers (RON Million), 2008-2012
Figure 110: Romanian Personal Accident and Health Insurance - Written Premium Through Brokers (RON Billion), 2012-2017
Figure 111: Romanian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2008-2012
Figure 112: Romanian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2012-2017
Figure 113: Romanian Personal Accident and Health Insurance - Number of Brokers, 2008-2012
Figure 114: Romanian Personal Accident and Health Insurance - Number of Brokers, 2012-2017
Figure 115: Romanian Personal Accident and Health Insurance - Commission Paid to Other Channels (RON Million), 2008-2012
Figure 116: Romanian Personal Accident and Health Insurance - Commission Paid to Other Channels (RON Million), 2012-2017
Figure 117: Romanian Personal Accident and Health Insurance - Written Premium Through Other Channels (RON Million), 2008-2012
Figure 118: Romanian Personal Accident and Health Insurance - Written Premium Through Other Channels (RON Million), 2012-2017
Figure 119: Romanian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2008-2012
Figure 120: Romanian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2012-2017
Figure 121: Romanian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2008-2012
Figure 122: Romanian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2012-2017
Figure 123: Romanian Personal Accident and Health Insurance - Five Forces Analysis
Figure 124: Romanian Premium Ceded to Reinsurance by Category (RON Million), 2008-2017
Figure 125: Romanian Premium Ceded to Reinsurance by Category (Percentage Share), 2012 and 2017
Figure 126: Romanian Reinsurance - Dynamics by Category (%), 2008-2017
Figure 127: Romanian Premium Ceded to Reinsurance by Type of Insurance (RON Million), 2008-2017
Figure 128: Romanian Reinsurance - Dynamics by Type of Insurance (%), 2008-2017
Figure 129: Romanian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2008-2012
Figure 130: Romanian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2012-2017

- Alico Asigurari Romania SA
- Allianz-Tiriac Asigurari SA
- Astra SA
- Axa Life Insurance SA
- BCR Asigurari de Viata Vienna Insurance Group SA
- Credit Europe Asigurari-Reasigurari SA
- Eureko Asigurari SA
- Generali Asigurari SA
- Omniasig VIG
- Signal Iduna Asigurari de Viata SA

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