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The Insurance Industry in Kyrgyzstan, Key Trends and Opportunities to 2017 - Product Image

The Insurance Industry in Kyrgyzstan, Key Trends and Opportunities to 2017

  • Published: January 2014
  • Region: Kyrgyzstan
  • 144 pages
  • Timetric

FEATURED COMPANIES

  • CJSC IC ‘Amanatpolis’
  • JSC ‘Inkompolis’
  • JSC IC Belrosstrah
  • JSIC ‘ATN Policy’
  • OJSC IC ‘Dos-Invest’
  • SBA CJSIC Midsummer
  • MORE

The report provides in depth industry analysis, information and insights into the insurance industry in Kyrgyzstan, including:
- The Kyrgyzstani insurance industry’s growth prospects by insurance segments and sub-segments
- The competitive landscape in the Kyrgyzstani insurance industry
- The current trends and drivers of the Kyrgyzstani insurance industry
- The challenges facing the Kyrgyzstani insurance industry
- The regulatory framework of the Kyrgyzstani insurance industry
- Benchmarking section on the Kyrgyzstani insurance industry in comparison to other countries in the CIS region

Summary
The Kyrgyzstani insurance industry is underdeveloped and recorded a penetration rate of 0.36% in 2012, lower than neighboring countries Kazakhstan (0.65%) and Uzbekistan (0.50%). Nevertheless, the industry expanded at a review-period CAGR of 40.8%, with gross written premium increasing from KGS276.9 million (US$7.6 million) in 2008 to KGS1.1 billion (US$23.2 million) in 2012.The non-life segment valued KGS1.06 billion (US$22.5 million) in 2012, accounting for 97.3% of the industry’s gross written premium. Improving economic conditions and infrastructural 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 Life Insurance – Regional Benchmarking
4.1 Scale and Penetration
4.1.1 Total gross written premium
4.1.2 Premium per capita
4.1.3 Life 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
5 Non-Life Insurance – Regional Benchmarking
5.1 Scale and Penetration
5.1.1 Total market gross written premium
5.1.2 Premium per capita
5.1.3 Non-life insurance penetration (as a percentage of GDP)
5.2 Growth
5.2.1 Gross written premium
5.2.2 Gross written premium per capita
5.3 Efficiency and Risk
5.3.1 Loss ratio
5.3.2 Combined ratio
5.3.3 Incurred losses per capita
5.3.4 Incurred losses as a percentage of GDP
6 Personal Accident and Health Insurance – Regional Benchmarking
6.1 Scale and Penetration
6.1.1 Total market gross written premium
6.1.2 Premium per capita
6.1.3 Personal accident and health insurance penetration (as a percentage of GDP)
6.2 Growth
6.2.1 Gross written premium
6.2.2 Gross written premium per capita
6.3 Efficiency and Risk
6.3.1 Loss ratio
6.3.2 Combined ratio
6.3.3 Incurred losses per capita
6.3.4 Incurred losses as a percentage of GDP
7 Kyrgyzstan Insurance Industry Overview
7.1 Kyrgyzstan Insurance Industry
7.2 Key Industry Trends and Drivers
7.3 Challenges
8 Industry Segmentation
8.1 Life Insurance
8.2 Non-Life Insurance
8.2.1 Property insurance
8.2.2 Motor insurance
8.2.3 Liability insurance
8.2.4 Marine, aviation and transit insurance
8.3 Personal Accident and Health Insurance
8.4 Regulation
8.5 Reinsurance
9 Competitive Landscape
9.1 Overview
9.2 Insurance Companies Operating in Kyrgyzstan
10 Economic and Business Environment
10.1 Market capitalization trend – Kyrgyz Stock Exchange
10.2 Economic Performance
10.2.1 GDP at constant prices (US$)
10.2.2 GDP per capita at constant prices (US dollar)
10.2.3 GDP at current prices (US dollar)
10.2.4 GDP per capita at current prices (US dollar)
10.2.5 GDP by key segments
10.2.6 Mining, manufacturing and utilities at current prices (US$)
10.2.7 Construction net output at current prices (US$)
10.2.8 Inflation rate
10.2.9 Unemployment rate
10.2.10 Exports as a percentage of GDP
10.2.11 Imports as a percentage of GDP
10.2.12 Gross national disposable income (US$)
10.2.13 Total population
10.2.14 Life Expectancy
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: Kyrgyzstani Insurance – Overall Written Premium by Segment (KGS Million), 2008–2012
Table 3: Kyrgyzstani Insurance – Overall Written Premium by Segment (US$ Million), 2008–2012
Table 4: Kyrgyzstani Insurance – Overall Written Premium by Segment (KGS Million), 2012–2017
Table 5: Kyrgyzstani Insurance – Overall Written Premium by Segment (US$ Million), 2012–2017
Table 6: Kyrgyzstani Insurance – Segmentation (Percentage Share), 2008–2017
Table 7: Ongoing Infrastructure Development Projects in Kyrgyzstan
Table 8: Kyrgyzstani Life Insurance – Written Premium (KGS Million), 2008–2012
Table 9: Kyrgyzstani Life Insurance – Written Premium (KGS Million), 2012–2017
Table 10: Kyrgyzstani Life Insurance – Paid Claims (KGS Million), 2008–2012
Table 11: Kyrgyzstani Life Insurance – Paid Claims (KGS Million), 2012–2017
Table 12: Kyrgyzstani Life Insurance – Incurred Loss (KGS Million), 2008–2012
Table 13: Kyrgyzstani Life Insurance – Incurred Loss (KGS Million), 2012–2017
Table 14: Kyrgyzstani Life Insurance – Loss Ratio (%), 2008–2012
Table 15: Kyrgyzstani Life Insurance – Loss Ratio (%), 2012–2017
Table 16: Kyrgyzstani Life Insurance – Combined Ratio (%), 2008–2012
Table 17: Kyrgyzstani Life Insurance – Combined Ratio (%), 2012–2017
Table 18: Kyrgyzstani Life Insurance – Total Assets (KGS Million), 2008–2012
Table 19: Kyrgyzstani Life Insurance – Total Assets (KGS Million), 2012–2017
Table 20: Kyrgyzstani Life Insurance – Retentions (KGS Million), 2008–2012
Table 21: Kyrgyzstani Life Insurance – Retentions (KGS Million), 2012–2017
Table 22: Kyrgyzstani Non-Life Insurance – Written Premium by Category (KGS Million), 2008–2012
Table 23: Kyrgyzstani Non-Life Insurance – Written Premium by Category (US$ Million), 2008–2012
Table 24: Kyrgyzstani Non-Life Insurance – Written Premium by Category (KGS Million), 2012–2017
Table 25: Kyrgyzstani Non-Life Insurance – Written Premium by Category (US$ Million), 2012–2017
Table 26: Kyrgyzstani Non-Life Insurance – Paid Claims (KGS Million), 2008–2012
Table 27: Kyrgyzstani Non-Life Insurance – Paid Claims (KGS Million), 2012–2017
Table 28: Kyrgyzstani Non-Life Insurance – Incurred Loss (KGS Million), 2008–2012
Table 29: Kyrgyzstani Non-Life Insurance – Incurred Loss (KGS Million), 2012–2017
Table 30: Kyrgyzstani Non-Life Insurance – Loss Ratio (%), 2008–2012
Table 31: Kyrgyzstani Non-Life Insurance – Loss Ratio (%), 2012–2017
Table 32: Kyrgyzstani Non-Life Insurance – Combined Ratio (%), 2008–2012
Table 33: Kyrgyzstani Non-Life Insurance – Combined Ratio (%), 2012–2017
Table 34: Kyrgyzstani Non-Life Insurance – Total Assets (KGS Million), 2008–2012
Table 35: Kyrgyzstani Non-Life Insurance – Total Assets (KGS Million), 2012–2017
Table 36: Kyrgyzstani Non-Life Insurance – Retentions (KGS Million), 2008–2012
Table 37: Kyrgyzstani Non-Life Insurance – Retentions (KGS Million), 2012–2017
Table 38: Kyrgyzstani Property Insurance – Written Premium (KGS Million), 2008–2012
Table 39: Kyrgyzstani Property Insurance – Written Premium (KGS Million), 2012–2017
Table 40: Kyrgyzstani Motor Insurance – Written Premium (KGS Million), 2008–2012
Table 41: Kyrgyzstani Motor Insurance – Written Premium (KGS Million), 2012–2017
Table 42: Kyrgyzstani Liability Insurance – Written Premium (KGS Million), 2008–2012
Table 43: Kyrgyzstani Liability Insurance – Written Premium (KGS Million), 2012–2017
Table 44: Kyrgyzstani Marine, Aviation and Transit Insurance – Written Premium (KGS Million), 2008–2012
Table 45: Kyrgyzstani Marine, Aviation and Transit Insurance – Written Premium (KGS Million), 2012–2017
Table 46: Kyrgyzstani Personal Accident and Health Insurance – Written Premium (KGS Million), 2008–2012
Table 47: Kyrgyzstani Personal Accident and Health Insurance – Written Premium (KGS Million), 2012–2017
Table 48: Kyrgyzstani Personal Accident and Health Insurance – Paid Claims (KGS Million), 2008–2012
Table 49: Kyrgyzstani Personal Accident and Health Insurance – Paid Claims (KGS Million), 2012–2017
Table 50: Kyrgyzstani Personal Accident and Health Insurance – Incurred Loss (KGS Million), 2008–2012
Table 51: Kyrgyzstani Personal Accident and Health Insurance – Incurred Loss (KGS Million), 2012–2017
Table 52: Kyrgyzstani Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Table 53: Kyrgyzstani Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Table 54: Kyrgyzstani Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Table 55: Kyrgyzstani Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Table 56: Kyrgyzstani Personal Accident and Health Insurance – Total Assets (KGS Million), 2008–2012
Table 57: Kyrgyzstani Personal Accident and Health Insurance – Total Assets (KGS Million), 2012–2017
Table 58: Kyrgyzstani Personal Accident and Health Insurance – Retentions (KGS Million), 2008–2012
Table 59: Kyrgyzstani Personal Accident and Health Insurance – Retentions (KGS Million), 2012–2017
Table 60: Kyrgyzstani Reinsurance Ceded by Insurance Segment (KGS Million), 2008–2012
Table 61: Kyrgyzstani Reinsurance Ceded by Insurance Segment (US$ Million), 2008–2012
Table 62: Kyrgyzstani Reinsurance Ceded by Insurance Segment (KGS Million), 2012–2017
Table 63: Kyrgyzstani Reinsurance Ceded by Insurance Segment (US$ Million), 2012–2017
Table 64: Kyrgyzstani Life Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 65: Kyrgyzstani Life Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 66: Kyrgyzstani Non-Life Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 67: Kyrgyzstani Non-Life Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 68: Kyrgyzstani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 69: Kyrgyzstani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 70: List of Insurance Companies

List of Figures
Figure 1: CIS Region – Economies and Population, 2011
Figure 2: CIS Region – Growth Trends in the Insurance Industry (%), 2007–2016
Figure 3: CIS Region – Total Industry Values by Segment (US$ Million), 2011
Figure 4: CIS Region – Life Insurance – Gross Written Premiums (%), 2007–2016
Figure 5: CIS Region – Life Insurance – Premium Per Capita (%), 2007–2016
Figure 6: CIS Region – Life Insurance – Penetration as a Percentage of GDP (%), 2011 and 2016
Figure 7: CIS Region – Life Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 8: CIS Region – Life Insurance – Gross Written Premium Per Capita Growth (%), 2007–2016
Figure 9: CIS Region – Life Insurance – Loss Ratio (%), 2011 and 2016
Figure 10: CIS Region – Life Insurance – Combined Ratios (%), 2011 and 2016
Figure 11: CIS Region – Life Insurance – Incurred Losses Per Capita (US$), 2011 and 2016
Figure 12: CIS Region – Life Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 13: CIS Region – Non-Life Insurance – Growth Trends (%), 2007–2016
Figure 14: CIS Region – Non-Life Insurance – Gross Written Premiums (%), 2007–2016
Figure 15: CIS Region – Non-Life Insurance – Premium Per Capita (%), 2007–2016
Figure 16: CIS Region – Non-Life Insurance – Penetration (% of GDP), 2011 and 2016
Figure 17: CIS Region – Non-Life Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 18: CIS Region – Non-Life Insurance – Gross Written Premium Per Capita Growth (%), 2007–2016
Figure 19: CIS Region – Non-Life Insurance – Loss Ratios (%), 2011 and 2016
Figure 20: CIS Region – Non-Life Insurance – Combined Ratios (%), 2011 and 2016
Figure 21: CIS Region – Non-Life Insurance – Incurred Losses per Capita (US$), 2011 and 2016
Figure 22: CIS Region – Non-Life Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 23: CIS Region – Personal Accident and Health Insurance – Growth Trends (%), 2007–2016
Figure 24: CIS Region – Personal Accident and Health Insurance – Gross Written Premiums (%), 2007–2016
Figure 25: CIS Region – Personal Accident and Health Insurance – Premiums Per Capita (US$), 2007–2016
Figure 26: CIS Region – Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 27: CIS Region – Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 28: CIS Region – Personal Accident and Health Insurance – Gross Written Premium Per Capita Growth (%), 2007–2016
Figure 29: CIS Region – Personal Accident and Health Insurance – Loss Ratios (%), 2011 and 2016
Figure 30: CIS Region – Personal Accident and Health Insurance – Combined Ratios (%), 2011 and 2016
Figure 31: CIS Region – Personal Accident and Health Insurance – Incurred Losses Per Capita (US$), 2011 and 2016
Figure 32: CIS Region – Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 33: Kyrgyzstani Insurance Overall Written Premium by Segment (KGS Million), 2008–2017
Figure 34: Kyrgyzstani Insurance – Dynamics by Segment (%), 2008–2017
Figure 35: Kyrgyzstani Life Insurance – Written Premium (KGS Million), 2008–2012
Figure 36: Kyrgyzstani Life Insurance – Written Premium (KGS Million), 2012–2017
Figure 37: Kyrgyzstani Life Insurance – Paid Claims (KGS Million), 2008–2012
Figure 38: Kyrgyzstani Life Insurance – Paid Claims (KGS Million), 2012–2017
Figure 39: Kyrgyzstani Life Insurance – Incurred Loss (KGS Million), 2008–2012
Figure 40: Kyrgyzstani Life Insurance – Incurred Loss (KGS Million), 2012–2017
Figure 41: Kyrgyzstani Life Insurance – Loss Ratio (%), 2008–2012
Figure 42: Kyrgyzstani Life Insurance – Loss Ratio (%), 2012–2017
Figure 43: Kyrgyzstani Life Insurance – Combined Ratio (%), 2008–2012
Figure 44: Kyrgyzstani Life Insurance – Combined Ratio (%), 2012–2017
Figure 45: Kyrgyzstani Life Insurance – Total Assets (KGS Million), 2008–2012
Figure 46: Kyrgyzstani Life Insurance – Total Assets (KGS Million), 2012–2017
Figure 47: Kyrgyzstani Life Insurance – Retentions (KGS Million), 2008–2012
Figure 48: Kyrgyzstani Life Insurance – Retentions (KGS Million), 2012–2017
Figure 49: Kyrgyzstani Life Insurance – Penetration (%), 2008–2012
Figure 50: Kyrgyzstani Life Insurance – Premium per Capita (KGS), 2008–2012
Figure 51: Kyrgyzstani Non-Life Insurance – Written Premium by Category (KGS Million), 2008–2017
Figure 52: Kyrgyzstani Non-Life Insurance – Written Premium by Category (%), 2012 and 2017
Figure 53: Kyrgyzstani Non-Life Insurance – Dynamics by Category (%), 2008–2017
Figure 54: Kyrgyzstani Non-Life Insurance – Paid Claims (KGS Million), 2008–2012
Figure 55: Kyrgyzstani Non-Life Insurance – Paid Claims (KGS Million), 2012–2017
Figure 56: Kyrgyzstani Non-Life Insurance – Incurred Loss (KGS Million), 2008–2012
Figure 57: Kyrgyzstani Non-Life Insurance – Incurred Loss (KGS Million), 2012–2017
Figure 58: Kyrgyzstani Non-Life Insurance – Loss Ratio (%), 2008–2012
Figure 59: Kyrgyzstani Non-Life Insurance – Loss Ratio (%), 2012–2017
Figure 60: Kyrgyzstani Non-Life Insurance – Combined Ratio (%), 2008–2012
Figure 61: Kyrgyzstani Non-Life Insurance – Combined Ratio (%), 2012–2017
Figure 62: Kyrgyzstani Non-Life Insurance – Total Assets (KGS Million), 2008–2012
Figure 63: Kyrgyzstani Non-Life Insurance – Total Assets (KGS Million), 2012–2017
Figure 64: Kyrgyzstani Non-Life Insurance – Retentions (KGS Million), 2008–2012
Figure 65: Kyrgyzstani Non-Life Insurance – Retentions (KGS Million), 2012–2017
Figure 66: Kyrgyzstani Non-Life Insurance – Penetration (%), 2008–2012
Figure 67: Kyrgyzstani Non-Life Insurance – Premium per Capita (KGS), 2008–2012
Figure 68: Kyrgyzstani Property Insurance – Written Premium (KGS Million), 2008–2012
Figure 69: Kyrgyzstani Property Insurance – Written Premium (KGS Million), 2012–2017
Figure 70: Kyrgyzstani Motor Insurance – Written Premium (KGS Million), 2008–2012
Figure 71: Kyrgyzstani Motor Insurance – Written Premium (KGS Million), 2012–2017
Figure 72: Kyrgyzstani Liability Insurance – Written Premium (KGS Million), 2008–2012
Figure 73: Kyrgyzstani Liability Insurance – Written Premium (KGS Million), 2012–2017
Figure 74: Kyrgyzstani Marine, Aviation and Transit Insurance – Written Premium (KGS Million), 2008–2012
Figure 75: Kyrgyzstani Marine, Aviation and Transit Insurance – Written Premium (KGS Million), 2012–2017
Figure 76: Kyrgyzstani Personal Accident and Health Insurance – Written Premium (KGS Million), 2008–2012
Figure 77: Kyrgyzstani Personal Accident and Health Insurance – Written Premium (KGS Million), 2012–2017
Figure 78: Kyrgyzstani Personal Accident and Health Insurance – Paid Claims (KGS Million), 2008–2012
Figure 79: Kyrgyzstani Personal Accident and Health Insurance – Paid Claims (KGS Million), 2012–2017
Figure 80: Kyrgyzstani Personal Accident and Health Insurance – Incurred Loss (KGS Million), 2008–2012
Figure 81: Kyrgyzstani Personal Accident and Health Insurance – Incurred Loss (KGS Million), 2012–2017
Figure 82: Kyrgyzstani Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 83: Kyrgyzstani Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 84: Kyrgyzstani Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 85: Kyrgyzstani Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 86: Kyrgyzstani Personal Accident and Health Insurance – Total Assets (KGS Million), 2008–2012
Figure 87: Kyrgyzstani Personal Accident and Health Insurance – Total Assets (KGS Million), 2012–2017
Figure 88: Kyrgyzstani Personal Accident and Health Insurance – Retentions (KGS Million), 2008–2012
Figure 89: Kyrgyzstani Personal Accident and Health Insurance – Retentions (KGS Million), 2012–2017
Figure 90: Kyrgyzstani Personal Accident and Health Insurance – Penetration (%), 2008–2012
Figure 91: Kyrgyzstani Personal Accident and Health Insurance – Premium per Capita (KGS), 2008–2012
Figure 92: Kyrgyzstani Reinsurance Ceded by Insurance Segment (KGS Million), 2008–2017
Figure 93: Kyrgyzstani Reinsurance – Dynamics by Insurance Segment (%), 2008–2017
Figure 94: Kyrgyzstani Life Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 95: Kyrgyzstani Life Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 96: Kyrgyzstani Non-Life Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 97: Kyrgyzstani Non-Life Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 98: Kyrgyzstani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 99: Kyrgyzstani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 100: Kyrgyzstani Stock Exchange Market Capitalization (US$ Billion), 2008–2012
Figure 101: Kyrgyzstani GDP at Constant Prices (US$ Billion), 2008–2012
Figure 102: Kyrgyzstani GDP Per Capita at Constant Prices (US$), 2008–2012
Figure 103: Kyrgyzstani GDP at Current Prices (US$ Billion), 2008–2012
Figure 104: Kyrgyzstani GDP Per Capita at Current Prices (US$), 2008–2012
Figure 105: Kyrgyzstani GDP by Key Segments (%) 2007 and 2011
Figure 106: Kyrgyzstani Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 107: Kyrgyzstani Construction Net Output at Current Prices (US$ Billion), 2007–2011
Figure 108: Kyrgyzstani Inflation Rate (%), 2008–2012
Figure 109: Kyrgyzstani Unemployment Rate (%), 2008–2012
Figure 110: Kyrgyzstani Exports as a Percentage of GDP (%), 2007–2011
Figure 111: Kyrgyzstani Imports as a Percentage of GDP (%), 2007–2011
Figure 112: Kyrgyzstani Gross National Disposable Income (US$ Billion), 2007–2011
Figure 113: Kyrgyzstani Total Population (Million), 2008–2012
Figure 114: Kyrgyzstani Life Expectancy (Years), 2008–2012

Insurance Company ‘Ak-Jol’
OJSC IC ‘Dos-Invest’
Insurance Company ‘Kyrgyzstan’
JSIC ‘ATN Policy’
JSC ‘Inkompolis’
JSC ‘Mega Insurance Group’
SKRZSAO for foreign insurance ‘Kyrgyzinstrakh’
CJSC IC ‘Amanatpolis’
JSC IC Belrosstrah
SBA CJSIC Midsummer

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