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

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

  • ID: 2781909
  • March 2014
  • Region: Bulgaria
  • 221 pages
  • Timetric

FEATURED COMPANIES

  • Armeec Insurance JSC
  • DZI General Insurance Plc
  • OZK Insurance
  • Uniqa Insurance Plc
  • MORE

The report provides in depth market analysis, information and insights into the Bulgarian personal accident and health insurance segment, including:
- The Bulgarian 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 Bulgarian personal accident and health insurance segment
- The detailed competitive landscape in the personal accident and health insurance segment in Bulgaria
- Detailed regulatory framework of the Bulgarian insurance industry
- A description of the personal accident and health reinsurance segment in Bulgaria
- Porter's Five Forces analysis of the personal accident and health insurance segment

Summary
The personal accident and health segment accounted for 3.9% of the industry’s gross written premium in 2012, the lowest share of all the insurance segments. Voluntary health insurance is overshadowed by the free public healthcare system, funded and administered by the NHIF. Bulgarians, whether employed, self-employed or unemployed, have to contribute a certain proportion READ MORE >

Note: Product cover images may vary from those shown

FEATURED COMPANIES

  • Armeec Insurance JSC
  • DZI General Insurance Plc
  • OZK Insurance
  • Uniqa Insurance Plc
  • MORE

1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Bulgarian Insurance Industry Attractiveness
3.1 Insurance Industry Size, 2008–2017
3.2 Key Industry Trends and Drivers
3.3 Challenges
3.4 Recent Market Developments
4 Personal Accident and Health Insurance Segment Outlook
4.1 Consumer Segmentation and Buying Behavior
4.2 Product and Marketing Strategies
4.3 Personal Accident and Health Insurance Growth Prospects by Category
4.3.1 Personal accident insurance
4.3.2 Travel insurance
4.3.3 Health insurance
4.3.4 Non-life health insurance
4.3.5 Life health insurance
5 Analysis by Distribution Channels
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
5.4 E-commerce
5.5 Brokers
5.6 Other Channels
6 Porter’s Five Forces Analysis – Bulgarian Personal Accident and Health Insurance
6.1 Bargaining Power of Suppliers: Low
6.2 Bargaining Power of Buyers: Medium to High
6.3 Barriers to Entry: Low
6.4 Intensity of Rivalry: Low
6.5 Threat of Substitutes: Medium
7 Reinsurance Segment Outlook
7.1 Reinsurance Segment Size, 2008–2017
7.2 Reinsurance Segment Size by Type of Insurance, 2008–2017
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Legislation Trends by Type of Insurance
8.2.1 Life insurance regulatory trends
8.2.2 Property insurance regulatory trends
8.2.3 Motor insurance regulatory trends
8.2.4 Liability insurance regulatory trends
8.2.5 Personal accident and health insurance regulatory trends
8.3 Compulsory Insurance
8.3.1 Third-party motor liability insurance
8.3.2 Compulsory personal accident insurance for passengers on public transport
8.3.3 Occupational accident insurance
8.4 Supervision and Control
8.4.1 International Association of Insurance Supervisors (IAIS)
8.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
8.4.3 Financial Supervision Commission
8.5 Non-Admitted Insurance Regulatory Trends
8.5.1 Overview
8.5.2 Intermediaries
8.5.3 Market practices
8.5.4 Fines and penalties
8.6 Company Registration and Operations
8.6.1 Types of insurance organization
8.6.2 Establishing a local company
8.6.3 Foreign ownership
8.6.4 Types of license
8.6.5 Capital requirements
8.6.6 Solvency margins
8.6.7 Reserve requirements
8.6.8 Investment regulations
8.6.9 Statutory return requirements
8.7 Taxation
8.7.1 Insurance premium or policy taxation
8.7.2 Corporate tax
8.7.3 VAT
8.7.4 Captives
8.8 Legal System
8.8.1 Introduction
8.8.2 Access to court
8.8.3 Alternative dispute resolution (ADR)
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the Bulgarian Personal Accident and Health Insurance Segment
9.3 DZI General Insurance Plc – Company Overview
9.3.1 DZI General Insurance Plc – key facts
9.4 Uniqa Insurance Plc – Company Overview
9.4.1 Uniqa Insurance Plc – key facts
9.5 Armeec Insurance JSC – Company Overview
9.5.1 Armeec Insurance JSC – key facts
9.6 Bulstrad Vienna Insurance Group – Company Overview
9.6.1 Bulstrad Vienna Insurance Group – key facts
9.7 Allianz Bulgaria Holding AD – Company Overview
9.7.1 Allianz Bulgaria Holding AD – key facts
9.8 UBB-Alico Life Insurance Company – Company Overview
9.8.1 UBB-Alico Life Insurance Company – key facts
9.9 Victoria Insurance Company Plc – Company Overview
9.9.1 Victoria Insurance Company Plc – key facts
9.1 OZK Insurance – Company Overview
9.10.1 OZK Insurance – key facts
9.11 Generali Life Insurance AD – Company Overview
9.11.1 Generali Life Insurance AD – key facts
9.12 Euroins Insurance Plc Bulgaria – Company Overview
9.12.1 Euroins Insurance Plc Bulgaria – key facts
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Market capitalization trend – Bulgarian Stock Exchange – Sofia, Bulgaria
10.2 Economic Performance
10.2.1 GDP at constant prices (US$)
10.2.2 GDP per capita at constant prices (US$)
10.2.3 GDP at current prices (US$)
10.2.4 GDP per capita at current prices (US$)
10.2.5 GDP by key segments
10.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
10.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
10.2.8 Manufacturing net output at current prices (US$)
10.2.9 Manufacturing net output at current prices as a percentage of GDP
10.2.10 Mining, manufacturing and utilities at current prices (US$)
10.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.12 Construction net output at current prices, (US$)
10.2.13 Construction net output at current prices as a percentage of GDP
10.2.14 Inflation rate
10.2.15 Exports as a percentage of GDP
10.2.16 Imports as a percentage of GDP
10.2.17 Merchandise exports growth
10.2.18 Merchandise imports growth
10.2.19 Annual average exchange rate BGN–US$
10.3 Infrastructure
10.3.1 Commercial vehicles exports – total value
10.3.2 Commercial vehicles imports – total value
10.3.3 Automotive exports – total value
10.3.4 Automotive imports – total value
10.3.5 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Gross national disposable income (US$)
10.5.2 Household consumption expenditure (US$)
10.5.3 Total population
10.5.4 Urban and rural populations
10.5.5 Age distribution of the total population
11 Appendix
11.1 Methodology
11.2 Contact Timetric
11.3 About Timetric
11.4 Timetric’s Services
11.5 Disclaimer

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

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

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DZI General Insurance Plc
Uniqa Insurance Plc
Armeec Insurance JSC
Bulstrad Vienna Insurance Group (Bulstrad)
Allianz Bulgaria Holding AD
UBB-Alico Life Insurance Company
Victoria Insurance Company Plc
OZK Insurance
Generali Life Insurance AD
Euroins Insurance Plc Bulgaria

Note: Product cover images may vary from those shown
Note: Product cover images may vary from those shown

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