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

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

  • ID: 2729379
  • December 2013
  • Region: Spain
  • 238 pages
  • Timetric

The report provides in depth market analysis, information and insights into the Spanish personal accident and health insurance segment, including:
- The Spanish 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 Spanish personal accident and health insurance segment
- The detailed competitive landscape in the personal accident and health insurance segment in Spain
- Regulatory policies of the Spanish insurance industry
- A description of the personal accident and health reinsurance segment in Spain
- Porter's Five Forces Analysis of the personal accident and health insurance segment
- A benchmarking section on the Spanish life insurance segment in comparison with other countries with US$60–US$150 billion in gross written premium

Summary
The Spanish personal accident and health insurance segment accounted for 14.3% of the insurance industry’s written premiums in 2012, the lowest share of all the segments. During the review period (2008–2012), increasing demand READ 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 Segment – 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 (as a percentage of GDP)
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 Insurance brokers
4.4.3 Bancassurance
4.4.4 Agencies
5 Spanish 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
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 – Spanish Personal Accident and Health Insurance
8.1 Bargaining Power of Supplier: Medium
8.2 Bargaining Power of Buyer: Medium to High
8.3 Barriers to Entry: Medium
8.4 Intensity of Rivalry: Medium to High
8.5 Threat of Substitutes: High
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 Marine liability insurance
10.3.3 Social insurance system
10.3.4 Air carriers and aircraft operators insurance
10.4 Supervision and Control
10.4.1 International Association of Insurance Supervisors (IAIS)
10.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
10.4.3 Directorate General of Insurance and Pension Funds (DGIPF)
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 Companies in the Spanish Personal Accident and Health Insurance Segment
11.3 Adeslas Segur Caixa – Company Overview
11.3.1 Adeslas Segur Caixa – key facts
11.4 Sanitas – Company Overview
11.4.1 Sanitas – key facts
11.5 Asisa Somos Medicos – Company Overview
11.5.1 Asisa Somos Medicos – key facts
11.6 Mapfre Caja Salud – Company Overview
11.6.1 Mapfre Caja Salud – key facts
11.7 DKV Seguros de Salud – Company Overview
11.7.1 DKV Seguros de Salud – key facts
11.8 Caser Seguros – Company Overview
11.8.1 Caser Seguros – key facts
11.9 Asistencia Sanitaria Colegial – Company Overview
11.9.1 Asistencia Sanitaria Colegial – key facts
11.1 Mutua Madrilena Aresa – Company Overview
11.10.1 Mutua Madrilena Aresa – key facts
11.11 Axa Winterthur Salud – Company Overview
11.11.1 Axa Winterthur Salud – key facts
12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Spanish Stock Market (Ibex 35), Spain
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, hunting, forestry and fishing net output at current prices (US$)
12.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
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 Quality and Availability
12.3.1 Commercial vehicles exports – total value
12.3.2 Commercial vehicle 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 Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer

List of Tables
Table 1: Insurance Industry Definitions
Table 2: Peer Group (US$60–US$150 Billion) Insurance Markets – Health Expenditure (% of GDP), 2008–2010
Table 3: Spanish Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2012
Table 4: Spanish Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012
Table 5: Spanish Insurance – Overall Written Premium by Segment (EUR Billion), 2012–2017
Table 6: Spanish Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017
Table 7: Spanish Insurance – Segmentation (Percentage Share), 2008–2017
Table 8: Spanish Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2008–2012
Table 9: Spanish Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2008–2012
Table 10: Spanish Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2012–2017
Table 11: Spanish Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2012–2017
Table 12: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2008–2012
Table 13: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2012–2017
Table 14: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2008–2012
Table 15: Spanish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2008–2012
Table 16: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2012–2017
Table 17: Spanish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2012–2017
Table 18: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2008–2012
Table 19: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2008–2012
Table 20: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2012–2017
Table 21: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2012–2017
Table 22: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Table 23: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Table 24: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2008–2012
Table 25: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2012–2017
Table 26: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Table 27: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Table 28: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2008–2012
Table 29: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2012–2017
Table 30: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2008–2012
Table 31: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2012–2017
Table 32: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2008–2012
Table 33: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2012–2017
Table 34: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2008–2012
Table 35: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2012–2017
Table 36: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 37: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 38: Spanish Personal Accident Insurance – Written Premium (EUR Billion), 2008–2012
Table 39: Spanish Personal Accident Insurance – Written Premium (EUR Billion), 2012–2017
Table 40: Spanish Personal Accident Insurance – Loss Ratio (%), 2008–2012
Table 41: Spanish Personal Accident Insurance – Loss Ratio (%), 2012–2017
Table 42: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 43: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 44: Spanish Travel Insurance – Written Premium (EUR Billion), 2008–2012
Table 45: Spanish Travel Insurance – Written Premium (EUR Billion), 2012–2017
Table 46: Spanish Travel Insurance – Loss Ratio (%), 2008–2012
Table 47: Spanish Travel Insurance – Loss Ratio (%), 2012–2017
Table 48: Spanish Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 49: Spanish Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 50: Spanish Health Insurance – Written Premium (EUR Billion), 2008–2012
Table 51: Spanish Health Insurance – Written Premium (EUR Billion), 2012–2017
Table 52: Spanish Health Insurance – Loss Ratio (%), 2008–2012
Table 53: Spanish Health Insurance – Loss Ratio (%), 2012–2017
Table 54: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2008–2012
Table 55: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2012–2017
Table 56: Spanish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2008–2012
Table 57: Spanish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2012–2017
Table 58: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 59: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 60: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 61: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 62: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2008–2012
Table 63: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2012–2017
Table 64: Spanish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2008–2012
Table 65: Spanish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2012–2017
Table 66: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 67: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 68: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Table 69: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Table 70: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2008–2012
Table 71: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2012–2017
Table 72: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2008–2012
Table 73: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2012–2017
Table 74: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Table 75: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Table 76: Spanish Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Table 77: Spanish Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Table 78: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2008–2012
Table 79: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2012–2017
Table 80: Spanish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2008–2012
Table 81: Spanish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2012–2017
Table 82: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Table 83: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Table 84: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Table 85: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Table 86: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2008–2012
Table 87: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2012–2017
Table 88: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2008–2012
Table 89: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2012–2017
Table 90: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Table 91: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Table 92: Spanish Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Table 93: Spanish Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Table 94: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2008–2012
Table 95: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2012–2017
Table 96: Spanish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2008–2012
Table 97: Spanish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2012–2017
Table 98: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Table 99: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Table 100: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Table 101: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Table 102: Reinsurance in Spain by Category (EUR Billion), 2008–2012
Table 103: Reinsurance in Spain by Category (US$ Billion), 2008–2012
Table 104: Reinsurance in Spain by Category (EUR Billion), 2012–2017
Table 105: Reinsurance in Spain by Category (US$ Billion), 2012–2017
Table 106: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2012
Table 107: Spanish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008–2012
Table 108: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2012–2017
Table 109: Spanish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012–2017
Table 110: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 111: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 112: Spain – Life Insurance Regulatory Framework
Table 113: Spain – Property Insurance Regulatory Framework
Table 114: Spain – Motor Insurance Regulatory Framework
Table 115: Spain – Minimum Coverage for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 116: Spain – Insurance Premium Taxation
Table 117: Spain – Corporate Tax Rates for the Financial Year 2013
Table 118: Companies Operating in the Spanish Personal Accident and Health Insurance Segment
Table 119: Adeslas Segur Caixa, Key Facts
Table 120: Sanitas, Key Facts
Table 121: Asisa Somos Medicos, Key Facts
Table 122: Mapfre Caja Salud, Key Facts
Table 123: DKV Seguros de Salud, Key Facts
Table 124: Caser Seguros, Key Facts
Table 125: Asistencia Sanitaria Colegial, Key Facts
Table 126: Mutua Madrilena Aresa, Key Facts
Table 127: Axa Winterthur Salud, Key Facts

List of Figures
Figure 1: Peer Group (US$60–US$150 Billion) Insurance Markets – A Snapshot of the Economies and Populations, 2011
Figure 2: Peer Group (US$60–US$150 Billion) Insurance Markets – Growth Trends in the Insurance Industry
Figure 3: Peer Group (US$60–US$150 Billion) Insurance Markets – Total Industry Values by Segment (US$ Billion), 2011
Figure 4: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Growth Trends
Figure 5: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Gross Written Premiums (US$ Billion), 2011
Figure 6: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Premiums Per Capita (US$), 2011
Figure 7: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 8: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 9: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Gross Written Premium Capita Growth (%), 2007–2016
Figure 10: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Loss Ratios (%), 2011 and 2016
Figure 11: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Incurred Losses per Capita (US$), 2011 and 2016
Figure 12: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Incurred Losses per Capita (US$), 2011 and 2016
Figure 13: Peer Group (US$60–US$150 Billion) Insurance Markets – Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 14: Peer Group (US$60–US$150 Billion) Insurance Markets – Direct Marketing – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 15: Peer Group (US$60–US$150 Billion) Insurance Markets – Bancassurance – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016
Figure 16: Peer Group (US$60–US$150 Billion) Insurance Markets – Bancassurance – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016.
Figure 17: Peer Group (US$60–US$150 Billion) Insurance Markets – Agencies – Share of Personal Accident and Health insurance Gross Written Premium (%), 2007–2016
Figure 18: Spanish Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2017
Figure 19: Spanish Insurance – Dynamics by Segment (%), 2008–2017
Figure 20: Spanish Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2008–2017
Figure 21: Spanish Personal Accident and Health Insurance – Written Premium by Category (% Share), 2012 and 2017
Figure 22: Spanish Personal Accident and Health Insurance – Dynamics by Category (%), 2008–2017
Figure 23: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2008–2012
Figure 24: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2012–2017
Figure 25: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2008–2017
Figure 26: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2008–2017
Figure 27: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 28: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 29: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2008–2012
Figure 30: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2012–2017
Figure 31: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 32: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 33: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2008–2012
Figure 34: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2012–2017
Figure 35: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2008–2012
Figure 36: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2012–2017
Figure 37: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2008–2012
Figure 38: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2012–2017
Figure 39: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2008–2012
Figure 40: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2012–2017
Figure 41: Spanish Personal Accident and Health Insurance – Investment Portfolio (EUR Billion), 2008–2012
Figure 42: Spanish Personal Accident and Health Insurance – Investment Portfolio (% Share), 2008 and 2012
Figure 43: Spanish Personal Accident and Health Insurance Penetration (% of GDP), 2008–2012
Figure 44: Spanish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 45: Spanish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 46: Spanish Personal Accident and Health Insurance – Premium per Capita (EUR), 2008–2012
Figure 47: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 48: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 49: Spanish Personal Accident Insurance – Written Premium (EUR Billion), 2008–2012
Figure 50: Spanish Personal Accident Insurance – Written Premium (EUR Billion), 2012–2017
Figure 51: Spanish Personal Accident Insurance – Loss Ratio (%), 2008–2012
Figure 52: Spanish Personal Accident Insurance – Loss Ratio (%), 2012–2017
Figure 53: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 54: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 55: Spanish Travel Insurance – Written Premium (EUR Billion), 2008–2012
Figure 56: Spanish Travel Insurance – Written Premium (EUR Billion), 2012–2017
Figure 57: Spanish Travel Insurance – Loss Ratio (%), 2008–2012
Figure 58: Spanish Travel Insurance – Loss Ratio (%), 2012–2017
Figure 59: Spanish Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 60: Spanish Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 61: Spanish Health Insurance – Written Premium (EUR Billion), 2008–2012
Figure 62: Spanish Health Insurance – Written Premium (EUR Billion), 2012–2017
Figure 63: Spanish Health Insurance – Loss Ratio (%), 2008–2012
Figure 64: Spanish Health Insurance – Loss Ratio (%), 2012–2017
Figure 65: Spanish Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 66: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2008–2012
Figure 67: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2012–2017
Figure 68: Spanish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2008–2012
Figure 69: Spanish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2012–2017
Figure 70: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Figure 71: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Figure 72: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Figure 73: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Figure 74: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2008–2012
Figure 75: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2012–2017
Figure 76: Spanish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2008–2012
Figure 77: Spanish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2012–2017
Figure 78: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Figure 79: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Figure 80: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Figure 81: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Figure 82: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2008–2012
Figure 83: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2012–2017
Figure 84: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2008–2012
Figure 85: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2012–2017
Figure 86: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Figure 87: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Figure 88: Spanish Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Figure 89: Spanish Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Figure 90: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2008–2012
Figure 91: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2012–2017
Figure 92: Spanish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2008–2012
Figure 93: Spanish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2012–2017
Figure 94: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Figure 95: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Figure 96: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Figure 97: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Figure 98: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2008–2012
Figure 99: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2012–2017
Figure 100: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2008–2012
Figure 101: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2012–2017
Figure 102: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Figure 103: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Figure 104: Spanish Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Figure 105: Spanish Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Figure 106: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2008–2012
Figure 107: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2012–2017
Figure 108: Spanish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2008–2012
Figure 109: Spanish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2012–2017
Figure 110: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Figure 111: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Figure 112: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Figure 113: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Figure 114: Spanish Personal Accident and Health Insurance – Five Forces Analysis
Figure 115: Spanish Premium Ceded to Reinsurance by Category (EUR Billion), 2008–2017
Figure 116: Spanish Premium Ceded to Reinsurance by Category (% Share), 2012 and 2017
Figure 117: Spanish Reinsurance – Dynamics by Category (%), 2008–2017
Figure 118: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2017
Figure 119: Spanish Reinsurance – Dynamics by Type of Insurance (%), 2008–2017
Figure 120: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 121: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 122: Spain – Insurance Regulatory Framework
Figure 123: Spain – The Three Pillars of Solvency II
Figure 124: Spain – Insurance Supervision and Control at Various Levels
Figure 125: Spain – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 126: Spanish Stock Market (Ibex 35) Market Capitalization (US$ Billion), 2008–2012
Figure 127: Spanish GDP at Constant Prices (US$ Billion), 2008–2012
Figure 128: Spanish GDP Per Capita at Constant Prices (US$), 2008–2012
Figure 129: Spanish GDP at Current Prices (US$ Billion), 2008–2012
Figure 130: Spanish GDP Per Capita at Current Prices (US$), 2008–2012
Figure 131: Spanish GDP by Key Segments (%) 2007 and 2011
Figure 132: Spanish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 133: Spanish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 134: Spanish Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 135: Spanish Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 136: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 137: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2007–2011
Figure 138: Spanish Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 139: Spanish Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 140: Spanish Inflation Rate (%), 2008–2012
Figure 141: Spanish Exports as a Percentage of GDP (%), 2007–2011
Figure 142: Spanish Imports as a Percentage of GDP (%), 2007–2011
Figure 143: Spanish Exports Growth (%), 2008–2011
Figure 144: Spanish Imports Growth (%), 2008–2011
Figure 145: Spanish An

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