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

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

  • Published: April 2014
  • Region: Latvia
  • 239 Pages
  • Timetric

FEATURED COMPANIES

  • AAS Balta
  • AAS Gjensidige Baltic
  • Baltikums
  • BTA Insurance Company SE
  • Ergo Latvija Dziviba
  • MetLife Amplico
  • MORE

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

- The Latvian 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 Latvian personal accident and health insurance segment

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

- Detailed regulatory policies of the Latvian insurance industry

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

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

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

Summary

The Latvian personal accident and health segment declined significantly during the review period (2008–2012), at a compound annual growth rate (CAGR) of -6.4%, primarily due to economic contraction following 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 - 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 Latvian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008-2017
5.2 Key Industry Trends and Drivers
5.3 Challenges
5.4 Recent Market Developments

6 Personal Accident and Health Insurance Segment Outlook
6.1 Segmentation
6.2 Product and Marketing Strategies
6.2.1 Product strategies
6.2.2 Marketing strategies
6.3 Personal Accident and Health Insurance Growth Prospects by Category
6.3.1 Personal accident insurance
6.3.2 Travel insurance
6.3.3 Health insurance
6.3.4 Non-life health insurance
6.3.5 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 - Latvian Personal Accident and Health Insurance
8.1 Bargaining Power of Suppliers: Low to Medium
8.2 Bargaining Power of Buyers: Medium
8.3 Barriers to Entry: Low to Medium
8.4 Intensity of Rivalry: High
8.5 Threat of Substitutes: Low

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 Regulations by Type of Insurance
10.2.1 Life insurance regulations
10.2.2 Property insurance regulations
10.2.3 Motor insurance regulations
10.2.4 Marine, aviation and transit insurance regulations
10.2.5 Personal accident and health insurance regulations
10.3 Compulsory Insurance
10.3.1 Motor third-party liability insurance
10.3.2 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 Financial and Capital Market Commission (FCMC)
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 Latvian Personal Accident and Health Insurance Segment
11.3 Ergo Latvija Dziviba - Company Overview
11.3.1 Ergo Latvija Dziviba - key facts
11.3.2 Ergo Latvija Dziviba - key financials
11.4 AAS Balta - Company Overview
11.4.1 AAS Balta - key facts
11.4.2 AAS Balta - key financials
11.5 BTA Insurance Company SE - Company Overview
11.5.1 BTA Insurance Company SE - key facts
11.5.2 BTA Insurance Company SE - key financials
11.6 Baltikums - Company Overview
11.6.1 Baltikums - key facts
11.7 AAS Gjensidige Baltic - Company Overview
11.7.1 AAS Gjensidige Baltic - key facts
11.7.2 AAS Gjensidige Baltic - key financials
11.8 Compensa Life Vienna Insurance Group SE - Company Overview
11.8.1 Compensa Life Vienna Insurance Group SE - key facts
11.9 Mandatum Life Insurance Baltic SE - Company Overview
11.9.1 Mandatum Life Insurance Baltic SE - key facts
11.1 MetLife Amplico - Company Overview
11.10.1 MetLife Amplico - key facts
11.11 SEB Dzivibas Apdrošinašana - Company Overview
11.11.1 SEB Dzivibas Apdrošinašana - key facts

12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend - Riga Stock Exchange, Latvia
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$)
12.2.7 Agriculture, hunting, forestry and fishing‘s net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
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$)
12.2.11 Mining, manufacturing and utilities at current prices, as a percentage of GDP
12.2.12 Construction net output at current prices (US$)
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 LVL-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 Total population
12.5.3 Urban and rural populations
12.5.4 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: Latvian Insurance - Overall Written Premium by Segment (LVL Million), 2008-2012
Table 3: Latvian Insurance - Overall Written Premium by Segment (US$ Million), 2008-2012
Table 4: Latvian Insurance - Overall Written Premium by Segment (LVL Million), 2012-2017
Table 5: Latvian Insurance - Overall Written Premium by Segment (US$ Million), 2012-2017
Table 6: Latvian Insurance - Segmentation (% Share), 2008-2017
Table 7: Latvian Personal Accident and Health Insurance - Written Premium by Category (LVL Million), 2008-2012
Table 8: Latvian Personal Accident and Health Insurance - Written Premium by Category (US$ Million), 2008-2012
Table 9: Latvian Personal Accident and Health Insurance - Written Premium by Category (LVL Million), 2012-2017
Table 10: Latvian Personal Accident and Health Insurance - Written Premium by Category (US$ Million), 2012-2017
Table 11: Latvian Personal Accident and Health Insurance - Earned Premium (LVL Million), 2008-2012
Table 12: Latvian Personal Accident and Health Insurance - Earned Premium (LVL Million), 2012-2017
Table 13: Latvian Personal Accident and Health Insurance - Paid Claims by Category (LVL Million), 2008-2012
Table 14: Latvian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2008-2012
Table 15: Latvian Personal Accident and Health Insurance - Paid Claims by Category (LVL Million), 2012-2017
Table 16: Latvian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2012-2017
Table 17: Latvian Personal Accident and Health Insurance - Incurred Loss by Category (LVL Million), 2008-2012
Table 18: Latvian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2008-2012
Table 19: Latvian Personal Accident and Health Insurance - Incurred Loss by Category (LVL Million), 2012-2017
Table 20: Latvian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2012-2017
Table 21: Latvian Personal Accident and Health Insurance - Loss Ratio (%), 2008-2012
Table 22: Latvian Personal Accident and Health Insurance - Loss Ratio (%), 2012-2017
Table 23: Latvian Personal Accident and Health Insurance - Commissions and Expenses (LVL Million), 2008-2012
Table 24: Latvian Personal Accident and Health Insurance - Commissions and Expenses (LVL Million), 2012-2017
Table 25: Latvian Personal Accident and Health Insurance - Combined Ratio (%), 2008-2012
Table 26: Latvian Personal Accident and Health Insurance - Combined Ratio (%), 2012-2017
Table 27: Latvian Personal Accident and Health Insurance - Fraud and Crimes (LVL Million), 2008-2012
Table 28: Latvian Personal Accident and Health Insurance - Fraud and Crimes (LVL Million), 2012-2017
Table 29: Latvian Personal Accident and Health Insurance - Total Assets (LVL Million), 2008-2012
Table 30: Latvian Personal Accident and Health Insurance - Total Assets (LVL Million), 2012-2017
Table 31: Latvian Personal Accident and Health Insurance - Total Investment Income (LVL Million), 2008-2012
Table 32: Latvian Personal Accident and Health Insurance - Total Investment Income (LVL Million), 2012-2017
Table 33: Latvian Personal Accident and Health Insurance - Retentions (LVL Million), 2008-2012
Table 34: Latvian Personal Accident and Health Insurance - Retentions (LVL Million), 2012-2017
Table 35: Latvian Personal Accident Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 36: Latvian Personal Accident Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 37: Latvian Personal Accident Insurance - Written Premium (LVL Million), 2008-2012
Table 38: Latvian Personal Accident Insurance - Written Premium (LVL Million), 2012-2017
Table 39: Latvian Personal Accident Insurance - Loss Ratio (%), 2008-2012
Table 40: Latvian Personal Accident Insurance - Loss Ratio (%), 2012-2017
Table 41: Latvian Travel Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 42: Latvian Travel Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 43: Latvian Travel Insurance - Written Premium (LVL Million), 2008-2012
Table 44: Latvian Travel Insurance - Written Premium (LVL Million), 2012-2017
Table 45: Latvian Travel Insurance - Loss Ratio (%), 2008-2012
Table 46: Latvian Travel Insurance - Loss Ratio (%), 2012-2017
Table 47: Latvian Health Insurance - Written Premium by Sub-Category (LVL Million), 2008-2012
Table 48: Latvian Health Insurance - Written Premium by Sub-Category (US$ Million), 2008-2012
Table 49: Latvian Health Insurance - Written Premium by Sub-Category (LVL Million), 2012-2017
Table 50: Latvian Health Insurance - Written Premium by Sub-Category (US$ Million), 2012-2017
Table 51: Latvian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 52: Latvian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 53: Latvian Non-Life Health Insurance - Written Premium (LVL Million), 2008-2012
Table 54: Latvian Non-Life Health Insurance - Written Premium (LVL Million), 2012-2017
Table 55: Latvian Non-Life Health Insurance - Loss Ratio (%), 2008-2012
Table 56: Latvian Non-Life Health Insurance - Loss Ratio (%), 2012-2017
Table 57: Latvian Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 58: Latvian Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 59: Latvian Life Health Insurance - Written Premium (LVL Million), 2008-2012
Table 60: Latvian Life Health Insurance - Written Premium (LVL Million), 2012-2017
Table 61: Latvian Life Health Insurance - Loss Ratio (%), 2008-2012
Table 62: Latvian Life Health Insurance - Loss Ratio (%), 2012-2017
Table 63: Latvian Personal Accident and Health Insurance - Direct Marketing Commission Paid (LVL Million), 2008-2012
Table 64: Latvian Personal Accident and Health Insurance - Direct Marketing Commission Paid (LVL Million), 2012-2017
Table 65: Latvian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (LVL Million), 2008-2012
Table 66: Latvian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (LVL Million), 2012-2017
Table 67: Latvian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2008-2012
Table 68: Latvian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2012-2017
Table 69: Latvian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2008-2012
Table 70: Latvian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2012-2017
Table 71: Latvian Personal Accident and Health Insurance - Bancassurance Commission Paid (LVL Million), 2008-2012
Table 72: Latvian Personal Accident and Health Insurance - Bancassurance Commission Paid (LVL Million), 2012-2017
Table 73: Latvian Personal Accident and Health Insurance - Written Premium Through Bancassurance (LVL Million), 2008-2012
Table 74: Latvian Personal Accident and Health Insurance - Written Premium Through Bancassurance (LVL Million), 2012-2017
Table 75: Latvian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2008-2012
Table 76: Latvian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2012-2017
Table 77: Latvian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2008-2012
Table 78: Latvian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2012-2017
Table 79: Latvian Personal Accident and Health Insurance - Commission Paid to Agencies (LVL Million), 2008-2012
Table 80: Latvian Personal Accident and Health Insurance - Commission Paid to Agencies (LVL Million), 2012-2017
Table 81: Latvian Personal Accident and Health Insurance - Written Premium Through Agencies (LVL Million), 2008-2012
Table 82: Latvian Personal Accident and Health Insurance - Written Premium Through Agencies (LVL Million), 2012-2017
Table 83: Latvian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2008-2012
Table 84: Latvian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2012-2017
Table 85: Latvian Personal Accident and Health Insurance - Number of Agencies, 2008-2012
Table 86: Latvian Personal Accident and Health Insurance - Number of Agencies, 2012-2017
Table 87: Latvian Personal Accident and Health Insurance - E-Commerce Commission Paid (LVL Million), 2008-2012
Table 88: Latvian Personal Accident and Health Insurance - E-Commerce Commission Paid (LVL Million), 2012-2017
Table 89: Latvian Personal Accident and Health Insurance - Written Premium Through E-Commerce (LVL Million), 2008-2012
Table 90: Latvian Personal Accident and Health Insurance - Written Premium Through E-Commerce (LVL Million), 2012-2017
Table 91: Latvian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2008-2012
Table 92: Latvian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2012-2017
Table 93: Latvian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2008-2012
Table 94: Latvian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2012-2017
Table 95: Latvian Personal Accident and Health Insurance - Commission Paid to Brokers (LVL Million), 2008-2012
Table 96: Latvian Personal Accident and Health Insurance - Commission Paid to Brokers (LVL Million), 2012-2017
Table 97: Latvian Personal Accident and Health Insurance - Written Premium Through Brokers (LVL Million), 2008-2012
Table 98: Latvian Personal Accident and Health Insurance - Written Premium Through Brokers (LVL Million), 2012-2017
Table 99: Latvian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2008-2012
Table 100: Latvian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2012-2017
Table 101: Latvian Personal Accident and Health Insurance - Number of Brokers, 2008-2012
Table 102: Latvian Personal Accident and Health Insurance - Number of Brokers, 2012-2017
Table 103: Latvian Personal Accident and Health Insurance - Commission Paid to Other Channels (LVL Million), 2008-2012
Table 104: Latvian Personal Accident and Health Insurance - Commission Paid to Other Channels (LVL Million), 2012-2017
Table 105: Latvian Personal Accident and Health Insurance - Written Premium Through Other Channels (LVL Million), 2008-2012
Table 106: Latvian Personal Accident and Health Insurance - Written Premium Through Other Channels (LVL Million), 2012-2017
Table 107: Latvian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2008-2012
Table 108: Latvian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2012-2017
Table 109: Latvian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2008-2012
Table 110: Latvian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2012-2017
Table 111: Reinsurance in Latvia by Category (LVL Million), 2008-2012
Table 112: Reinsurance in Latvia by Category (US$ Million), 2008-2012
Table 113: Reinsurance in Latvia by Category (LVL Million), 2012-2017
Table 114: Reinsurance in Latvia by Category (US$ Million), 2012-2017
Table 115: Latvian Premium Ceded to Reinsurance by Type of Insurance (LVL Million), 2008-2012
Table 116: Latvian Premium Ceded to Reinsurance by Type of Insurance (US$ Million), 2008-2012
Table 117: Latvian Premium Ceded to Reinsurance by Type of Insurance (LVL Million), 2012-2017
Table 118: Latvian Premium Ceded to Reinsurance by Type of Insurance (US$ Million), 2012-2017
Table 119: Latvian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2008-2012
Table 120: Latvian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2012-2017
Table 121: Latvia - Life Insurance Regulatory Framework
Table 122: Latvia - Property Insurance Regulatory Framework
Table 123: Latvia - Motor Insurance Regulatory Framework
Table 124: Latvia - Minimum Cover for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 125: Latvia - Corporate Tax Rates for the Financial Year 2013
Table 126: Companies Operating in the Latvian Personal Accident and Health Insurance Segment
Table 127: Ergo Latvija Dziviba, Key Facts
Table 128: Ergo Latvija Dziviba, Key Financials (LVL Million), 2008-2012
Table 129: AAS Balta, Key Facts
Table 130: AAS Balta, Key Financials (LVL Million), 2008-2012
Table 131: BTA Insurance Company SE, Key Facts
Table 132: BTA Insurance Company SE, Key Financials (LVL Million), 2008-2012
Table 133: Baltikums, Key Facts
Table 134: AAS Gjensidige Baltic, Key Facts
Table 135: AAS Gjensidige Baltic, Key Financials (LVL Million), 2008-2012
Table 136: Compensa Life Vienna Insurance Group SE, Key Facts
Table 137: Mandatum Life Insurance Baltic SE, Key Facts
Table 138: MetLife Amplico, Key Facts
Table 139: SEB Dzivibas Apdrošinašana, 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: Latvian Insurance - Overall Written Premium by Segment (LVL Million), 2008-2017
Figure 20: Latvian Insurance - Dynamics by Segment, 2008-2017
Figure 21: Latvian Personal Accident and Health Insurance - Written Premium by Category (LVL Million), 2008-2017
Figure 22: Latvian Personal Accident and Health Insurance - Written Premium by Category (% Share), 2012 and 2017
Figure 23: Latvian Personal Accident and Health Insurance - Dynamics by Category (%), 2008-2017
Figure 24: Latvian Personal Accident and Health Insurance - Earned Premium (LVL Million), 2008-2012
Figure 25: Latvian Personal Accident and Health Insurance - Earned Premium (LVL Million), 2012-2017
Figure 26: Latvian Personal Accident and Health Insurance - Paid Claims by Category (LVL Million), 2008-2017
Figure 27: Latvian Personal Accident and Health Insurance - Incurred Loss by Category (LVL Million), 2008-2017
Figure 28: Latvian Personal Accident and Health Insurance - Loss Ratio (%), 2008-2012
Figure 29: Latvian Personal Accident and Health Insurance - Loss Ratio (%), 2012-2017
Figure 30: Latvian Personal Accident and Health Insurance - Commissions and Expenses (LVL Million), 2008-2012
Figure 31: Latvian Personal Accident and Health Insurance - Commissions and Expenses (LVL Million), 2012-2017
Figure 32: Latvian Personal Accident and Health Insurance - Combined Ratio (%), 2008-2012
Figure 33: Latvian Personal Accident and Health Insurance - Combined Ratio (%), 2012-2017
Figure 34: Latvian Personal Accident and Health Insurance - Fraud and Crimes (LVL Million), 2008-2012
Figure 35: Latvian Personal Accident and Health Insurance - Fraud and Crimes (LVL Million), 2012-2017
Figure 36: Latvian Personal Accident and Health Insurance - Total Assets (LVL Million), 2008-2012
Figure 37: Latvian Personal Accident and Health Insurance - Total Assets (LVL Million), 2012-2017
Figure 38: Latvian Personal Accident and Health Insurance - Total Investment Income (LVL Million), 2008-2012
Figure 39: Latvian Personal Accident and Health Insurance - Total Investment Income (LVL Million), 2012-2017
Figure 40: Latvian Personal Accident and Health Insurance - Retentions (LVL Million), 2008-2012
Figure 41: Latvian Personal Accident and Health Insurance - Retentions (LVL Million), 2012-2017
Figure 42: Latvian Personal Accident and Health Insurance - Investment Portfolio (LVL Million), 2008-2012
Figure 43: Latvian Personal Accident and Health Insurance - Investment Portfolio (% Share), 2008 and 2012
Figure 44: Latvian Personal Accident and Health Insurance - Penetration (%), 2008-2012
Figure 45: Latvian Personal Accident and Health Insurance - Number of Policies Sold (Million), 2008-2012
Figure 46: Latvian Personal Accident and Health Insurance - Number of Policies Sold (Million), 2012-2017
Figure 47: Latvian Personal Accident and Health Insurance - Premium per Capita (LVL), 2008-2012
Figure 48: Latvian Personal Accident Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 49: Latvian Personal Accident Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 50: Latvian Personal Accident Insurance - Written Premium (LVL Million), 2008-2012
Figure 51: Latvian Personal Accident Insurance - Written Premium (LVL Million), 2012-2017
Figure 52: Latvian Personal Accident Insurance - Loss Ratio (%), 2008-2012
Figure 53: Latvian Personal Accident Insurance - Loss Ratio (%), 2012-2017
Figure 54: Latvian Travel Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 55: Latvian Travel Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 56: Latvian Travel Insurance - Written Premium (LVL Million), 2008-2012
Figure 57: Latvian Travel Insurance - Written Premium (LVL Million), 2012-2017
Figure 58: Latvian Travel Insurance - Loss Ratio (%), 2008-2012
Figure 59: Latvian Travel Insurance - Loss Ratio (%), 2012-2017
Figure 60: Latvian Health Insurance - Written Premium by Sub-Category (LVL Million), 2008-2017
Figure 61: Latvian Health Insurance - Dynamics by Sub-Category (%), 2008-2017
Figure 62: Latvian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 63: Latvian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 64: Latvian Non-Life Health Insurance - Written Premium (LVL Million), 2008-2012
Figure 65: Latvian Non-Life Health Insurance - Written Premium (LVL Million), 2012-2017
Figure 66: Latvian Non-Life Health Insurance - Loss Ratio (%), 2008-2012
Figure 67: Latvian Non-Life Health Insurance - Loss Ratio (%), 2012-2017
Figure 68: Latvian Life Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Figure 69: Latvian Life Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Figure 70: Latvian Life Health Insurance - Written Premium (LVL Million), 2008-2012
Figure 71: Latvian Life Health Insurance - Written Premium (LVL Million), 2012-2017
Figure 72: Latvian Life Health Insurance - Loss Ratio (%), 2008-2012
Figure 73: Latvian Life Health Insurance - Loss Ratio (%), 2012-2017
Figure 74: Latvian Personal Accident and Health Insurance - Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 75: Latvian Personal Accident and Health Insurance - Direct Marketing Commission Paid (LVL Million), 2008-2012
Figure 76: Latvian Personal Accident and Health Insurance - Direct Marketing Commission Paid (LVL Million), 2012-2017
Figure 77: Latvian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (LVL Million), 2008-2012
Figure 78: Latvian Personal Accident and Health Insurance - Written Premium Through Direct Marketing (LVL Million), 2012-2017
Figure 79: Latvian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2008-2012
Figure 80: Latvian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2012-2017
Figure 81: Latvian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2008-2012
Figure 82: Latvian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2012-2017
Figure 83: Latvian Personal Accident and Health Insurance - Bancassurance Commission Paid (LVL Million), 2008-2012
Figure 84: Latvian Personal Accident and Health Insurance - Bancassurance Commission Paid (LVL Million), 2012-2017
Figure 85: Latvian Personal Accident and Health Insurance - Written Premium Through Bancassurance (LVL Million), 2008-2012
Figure 86: Latvian Personal Accident and Health Insurance - Written Premium Through Bancassurance (LVL Million), 2012-2017
Figure 87: Latvian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2008-2012
Figure 88: Latvian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2012-2017
Figure 89: Latvian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2008-2012
Figure 90: Latvian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2012-2017
Figure 91: Latvian Personal Accident and Health Insurance - Commission Paid to Agencies (LVL Million), 2008-2012
Figure 92: Latvian Personal Accident and Health Insurance - Commission Paid to Agencies (LVL Million), 2012-2017
Figure 93: Latvian Personal Accident and Health Insurance - Written Premium Through Agencies (LVL Million), 2008-2012
Figure 94: Latvian Personal Accident and Health Insurance - Written Premium Through Agencies (LVL Million), 2012-2017
Figure 95: Latvian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2008-2012
Figure 96: Latvian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2012-2017
Figure 97: Latvian Personal Accident and Health Insurance - Number of Agencies, 2008-2012
Figure 98: Latvian Personal Accident and Health Insurance - Number of Agencies, 2012-2017
Figure 99: Latvian Personal Accident and Health Insurance - E-Commerce Commission Paid (LVL Million), 2008-2012
Figure 100: Latvian Personal Accident and Health Insurance - E-Commerce Commission Paid (LVL Million), 2012-2017
Figure 101: Latvian Personal Accident and Health Insurance - Written Premium Through E-Commerce (LVL Million), 2008-2012
Figure 102: Latvian Personal Accident and Health Insurance - Written Premium Through E-Commerce (LVL Million), 2012-2017
Figure 103: Latvian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2008-2012
Figure 104: Latvian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2012-2017
Figure 105: Latvian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2008-2012
Figure 106: Latvian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2012-2017
Figure 107: Latvian Personal Accident and Health Insurance - Commission Paid to Brokers (LVL Million), 2008-2012
Figure 108: Latvian Personal Accident and Health Insurance - Commission Paid to Brokers (LVL Million), 2012-2017
Figure 109: Latvian Personal Accident and Health Insurance - Written Premium Through Brokers (LVL Million), 2008-2012
Figure 110: Latvian Personal Accident and Health Insurance - Written Premium Through Brokers (LVL Million), 2012-2017
Figure 111: Latvian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2008-2012
Figure 112: Latvian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2012-2017
Figure 113: Latvian Personal Accident and Health Insurance - Number of Brokers, 2008-2012
Figure 114: Latvian Personal Accident and Health Insurance - Number of Brokers, 2012-2017
Figure 115: Latvian Personal Accident and Health Insurance - Commission Paid to Other Channels (LVL Million), 2008-2012
Figure 116: Latvian Personal Accident and Health Insurance - Commission Paid to Other Channels (LVL Million), 2012-2017
Figure 117: Latvian Personal Accident and Health Insurance - Written Premium Through Other Channels (LVL Million), 2008-2012
Figure 118: Latvian Personal Accident and Health Insurance - Written Premium Through Other Channels (LVL Million), 2012-2017
Figure 119: Latvian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2008-2012
Figure 120: Latvian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2012-2017
Figure 121: Latvian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2008-2012
Figure 122: Latvian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2012-2017
Figure 123: Latvian Personal Accident and Health Insurance - Five Forces Analysis
Figure 124: Latvian Premium Ceded to Reinsurance by Category (LVL Million), 2008-2017
Figure 125: Latvian Premium Ceded to Reinsurance by Category (% Share), 2012 and 2017
Figure 126: Latvian Reinsurance - Dynamics by Category, 2008-2017
Figure 127: Latvian Premium Ceded to Reinsurance by Type of Insurance (LVL Million), 2008-2017
Figure 128: Latvian Reinsurance - Dynamics by Type of Insurance, 2008-2017
Figure 129: Latvian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2008-2012

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