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

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

  • Published: January 2014
  • Region: Finland
  • 230 pages
  • Timetric

The report provides in depth market analysis, information and insights into the Finnish personal accident and health insurance segment, including:
- The Finnish 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 Finnish personal accident and health insurance segment
- The detailed competitive landscape in the personal accident and health insurance segment in Finland
- A detailed overview of the regulatory framework of the Finnish insurance industry
- A description of the personal accident and health reinsurance segment in Finland
- Porter's Five Forces Analysis of the personal accident and health insurance segment
- A benchmarking section on the Finnish life insurance segment in comparison with other countries in the Nordic Region

Summary
In terms of gross written premium, personal accident and health is the smallest segment in the Finnish insurance industry. The government’s welfare system, under which healthcare services are free for all Finns, and wide social security READ MORE >

1 Executive Summary
2 Introduction
2.1 What is This Report About?
2.2 Definitions
2.3 Methodology
3 Nordic Region 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 Overview
4.2 Scale and penetration
4.2.1 Total gross written premium
4.2.2 Premium per capita
4.2.3 Personal accident and health insurance penetration (% of GDP)
4.3 Growth
4.3.1 Gross written premium
4.3.2 Gross written premium per capita
4.4 Efficiency and risk
4.4.1 Loss ratio
4.4.2 Combined ratio
4.4.3 Incurred losses per capita
4.4.4 Incurred losses as a percentage of GDP
4.5 Distribution channels
4.5.1 Direct marketing
4.5.2 Bancassurance
4.5.3 Agencies
4.5.4 Brokers
4.5.5 Online channels
5 Finnish 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 – Finnish Personal Accident and Health Insurance
8.1 Bargaining Power of Suppliers: Low to Medium
8.2 Bargaining Power of Buyers: High
8.3 Barriers to Entry: High
8.4 Intensity of Rivalry: High
8.5 Threat of Substitutes: Medium to 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 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 Workers’ compensation insurance
10.3.3 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 Pension Authority (EIOPA)
10.4.3 Financial Supervisory Authority (FSA)
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 tax on insurance premium paid overseas
10.7.3 Corporate tax
10.7.4 VAT
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access to court
10.8.3 Alternative dispute resolution (ADR)
11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in Finnish Personal Accident and Health Insurance Segment
11.3 If P&C Insurance Company Ltd – Company Overview
11.3.1 If P&C Insurance Company Ltd – key facts
11.4 Pohjola Insurance Ltd – Company Overview
11.4.1 Pohjola Insurance Ltd – key facts
11.5 LocalTapiola General Mutual Insurance Company – Company Overview
11.5.1 LocalTapiola General Mutual Insurance Company – key facts
11.6 Eurooppalainen Insurance Company Ltd – Company Overview
11.6.1 Eurooppalainen Insurance Company Ltd – key facts
11.7 Fennia Mutual Insurance Company – Company Overview
11.7.1 Fennia Mutual Pension Insurance Company – key facts
11.8 Local Insurance Mutual Company – Company Overview
11.8.1 Local Insurance Mutual Company – key facts
11.9 Pohjantähti Mutual Insurance Company – Company Overview
11.9.1 Pohjantähti Mutual Insurance Company – key facts
11.1 Turva Mutual Insurance Company – Company Overview
11.10.1 Turva Mutual Insurance Company – key facts
11.11 Aktia Non-Life Insurance Company Ltd – Company Overview
11.11.1 Aktia Non-Life Insurance Company Ltd – key facts
11.12 Försäkringsaktiebolaget Alandia – Company Overview
11.12.1 Försäkringsaktiebolaget Alandia – key facts
12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend – Finnish Stock Exchange, Finland
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$)
12.2.11 Mining, manufacturing and utilities at current prices, as a percentage of GDP
12.2.12 Construction net output at current prices (US$)
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 Exports growth
12.2.18 Imports growth
12.2.19 Annual average exchange rate EUR–US$
12.3 Infrastructure Quality and Availability
12.3.1 Commercial vehicle 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 population
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: Finnish Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2012
Table 3: Finnish Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012
Table 4: Finnish Insurance – Overall Written Premium by Segment (EUR Billion), 2012–2017
Table 5: Finnish Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017
Table 6: Finnish Insurance – Segmentation (% Share), 2008–2017
Table 7: Finnish Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2008–2012
Table 8: Finnish Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2008–2012
Table 9: Finnish Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2012–2017
Table 10: Finnish Personal Accident and Health Insurance – Written Premium by Category (US$ Billion), 2012–2017
Table 11: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2008–2012
Table 12: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2012–2017
Table 13: Finnish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2008–2012
Table 14: Finnish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2008–2012
Table 15: Finnish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2012–2017
Table 16: Finnish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2012–2017
Table 17: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2008–2012
Table 18: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2008–2012
Table 19: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2012–2017
Table 20: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2012–2017
Table 21: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Table 22: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Table 23: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2008–2012
Table 24: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2012–2017
Table 25: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Table 26: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Table 27: Finnish Personal Accident and Health Insurance – Frauds and Crimes (EUR Million), 2008–2012
Table 28: Finnish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2012–2017
Table 29: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2008–2012
Table 30: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2012–2017
Table 31: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2008–2012
Table 32: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2012–2017
Table 33: Finnish Personal Accident and Health Insurance – Retentions (EUR Billion), 2008–2012
Table 34: Finnish Personal Accident and Health Insurance – Retentions (EUR Billion), 2012–2017
Table 35: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 36: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 37: Finnish Personal Accident Insurance – Written Premium (EUR Billion), 2008–2012
Table 38: Finnish Personal Accident Insurance – Written Premium (EUR Billion), 2012–2017
Table 39: Finnish Personal Accident Insurance – Loss Ratio (%), 2008–2012
Table 40: Finnish Personal Accident Insurance – Loss Ratio (%), 2012–2017
Table 41: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 42: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 43: Finnish Travel Insurance – Written Premium (EUR Billion), 2008–2012
Table 44: Finnish Travel Insurance – Written Premium (EUR Billion), 2012–2017
Table 45: Finnish Travel Insurance – Loss Ratio (%), 2008–2012
Table 46: Finnish Travel Insurance – Loss Ratio (%), 2012–2017
Table 47: Finnish Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Table 48: Finnish Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Table 49: Finnish Health Insurance – Written Premium (EUR Billion), 2008–2012
Table 50: Finnish Health Insurance – Written Premium (EUR Billion), 2012–2017
Table 51: Finnish Health Insurance – Loss Ratio (%), 2008–2012
Table 52: Finnish Health Insurance – Loss Ratio (%), 2012–2017
Table 53: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2008–2012
Table 54: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2012–2017
Table 55: Finnish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2008–2012
Table 56: Finnish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2012–2017
Table 57: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Table 58: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Table 59: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Table 60: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Table 61: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2008–2012
Table 62: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2012–2017
Table 63: Finnish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2008–2012
Table 64: Finnish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2012–2017
Table 65: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Table 66: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Table 67: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Table 68: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Table 69: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2008–2012
Table 70: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2012–2017
Table 71: Finnish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2008–2012
Table 72: Finnish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2012–2017
Table 73: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Table 74: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Table 75: Finnish Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Table 76: Finnish Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Table 77: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2008–2012
Table 78: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Billion), 2012–2017
Table 79: Finnish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2008–2012
Table 80: Finnish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2012–2017
Table 81: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Table 82: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Table 83: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Table 84: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Table 85: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2008–2012
Table 86: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2012–2017
Table 87: Finnish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2008–2012
Table 88: Finnish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2012–2017
Table 89: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Table 90: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Table 91: Finnish Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Table 92: Finnish Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Table 93: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2008–2012
Table 94: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2012–2017
Table 95: Finnish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2008–2012
Table 96: Finnish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2012–2017
Table 97: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Table 98: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Table 99: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Table 100: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Table 101: Finnish Reinsurance by Category (EUR Billion), 2008–2012
Table 102: Finnish Reinsurance by Category (US$ Billion), 2008–2012
Table 103: Finnish Reinsurance by Category (EUR Billion), 2012–2017
Table 104: Finnish Reinsurance by Category (US$ Billion), 2012–2017
Table 105: Finnish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2012
Table 106: Finnish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2008–2012
Table 107: Finnish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2012–2017
Table 108: Finnish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2012–2017
Table 109: Finnish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Table 110: Finnish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Table 111: Finland – Life Insurance Regulatory Framework
Table 112: Finland – Property Insurance Regulatory Framework
Table 113: Finland – Motor Insurance Regulatory Framework
Table 114: Finland – Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft
Table 115: Finland – Minimum Capital Requirements
Table 116: Finland – Insurance Premium Taxation
Table 117: Finland – Corporate Tax Rates for the Financial Year 2013
Table 118: Finnish Personal Accident and Health Insurance – Market Shares (%), 2012
Table 119: If P&C Insurance Company Ltd, Key Facts
Table 120: Pohjola Insurance Ltd, Key Facts
Table 121: LocalTapiola General Mutual Insurance Company, Key Facts
Table 122: Eurooppalainen Insurance Company Ltd, Key Facts
Table 123: Fennia Mutual Insurance Company, Key Facts
Table 124: Local Insurance Mutual Company, Key Facts
Table 125: Pohjantähti Mutual Insurance Company, Key Facts
Table 126: Turva Mutual Insurance Company, Key Facts
Table 127: Aktia Non-Life Insurance Company Ltd, Key Facts
Table 128: Försäkringsaktiebolaget Alandia, Key Facts

List of Figures
Figure 1: Nordic Region – Snapshot of the Economy and Population, 2012
Figure 2: Nordic Region – Growth Trends in the Insurance Industry (%), 2007–2016
Figure 3: Nordic Region – Aging Population by Country, 2012 and 2017
Figure 4: Nordic Region – Insurance Industry by Segment (US$ Billion), 2011
Figure 5: Nordic Personal Accident and Health Insurance – Growth (%), 2007–2016
Figure 6: Nordic Personal Accident and Health Insurance – Gross Written Premium (US$ Billion), 2011
Figure 7: Nordic Personal Accident and Health Insurance – Premium per Capita (US$), 2011
Figure 8: Nordic Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016
Figure 9: Nordic Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016
Figure 10: Nordic Personal Accident and Health Insurance – Gross Written Premium per Capita Growth (%), 2007–2016
Figure 11: Nordic Personal Accident and Health Insurance – Loss Ratio (%), 2011 and 2016
Figure 12: Nordic Personal Accident and Health Insurance – Combined Ratio (%), 2011 and 2016
Figure 13: Nordic Personal Accident and Health Insurance – Incurred Losses per Capita (US$), 2011 and 2016
Figure 14: Nordic Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016
Figure 15: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Direct Marketing (%), 2007–2016
Figure 16: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Bancassurance (%), 2007–2016
Figure 17: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Agencies (%), 2007–2016
Figure 18: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Brokers (%), 2007–2016
Figure 19: Nordic Personal Accident and Health Insurance – Share of New Business Gross Written Premium for Online Channels (%), 2007–2016
Figure 20: Finnish Insurance – Overall Written Premium by Segment (EUR Billion), 2008–2017
Figure 21: Finnish Insurance – Dynamics by Segment (%), 2008–2017
Figure 22: Finnish Personal Accident and Health Insurance – Written Premium by Category (EUR Billion), 2008–2017
Figure 23: Finnish Personal Accident and Health Insurance – Written Premium by Category (% Share), 2012 and 2017
Figure 24: Finnish Personal Accident and Health Insurance – Dynamics by Category, 2008–2017
Figure 25: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2008–2012
Figure 26: Finnish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2012–2017
Figure 27: Finnish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2008–2017
Figure 28: Finnish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2008–2017
Figure 29: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012
Figure 30: Finnish Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017
Figure 31: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2008–2012
Figure 32: Finnish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2012–2017
Figure 33: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012
Figure 34: Finnish Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017
Figure 35: Finnish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2008–2012
Figure 36: Finnish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion), 2012–2017
Figure 37: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2008–2012
Figure 38: Finnish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2012–2017
Figure 39: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2008–2012
Figure 40: Finnish Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2012–2017
Figure 41: Finnish Personal Accident and Health Insurance – Retentions (EUR Billion), 2008–2012
Figure 42: Finnish Personal Accident and Health Insurance – Retentions (EUR Billion), 2012–2017
Figure 43: Finnish Personal Accident and Health Insurance – Investment Portfolio (EUR Billion), 2008–2012
Figure 44: Finnish Personal Accident and Health Insurance – Investment Portfolio (% Share), 2008 and 2012
Figure 45: Finnish Personal Accident and Health Insurance – Penetration (%), 2008–2012
Figure 46: Finnish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 47: Finnish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 48: Finnish Personal Accident and Health Insurance – Premium per Capita (EUR), 2008–2012
Figure 49: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 50: Finnish Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 51: Finnish Personal Accident Insurance – Written Premium (EUR Billion), 2008–2012
Figure 52: Finnish Personal Accident Insurance – Written Premium (EUR Billion), 2012–2017
Figure 53: Finnish Personal Accident Insurance – Loss Ratio (%), 2008–2012
Figure 54: Finnish Personal Accident Insurance – Loss Ratio (%), 2012–2017
Figure 55: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 56: Finnish Travel Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 57: Finnish Travel Insurance – Written Premium (EUR Billion), 2008–2012
Figure 58: Finnish Travel Insurance – Written Premium (EUR Billion), 2012–2017
Figure 59: Finnish Travel Insurance – Loss Ratio (%), 2008–2012
Figure 60: Finnish Travel Insurance – Loss Ratio (%), 2012–2017
Figure 61: Finnish Health Insurance – Number of Policies Sold (Thousand), 2008–2012
Figure 62: Finnish Health Insurance – Number of Policies Sold (Thousand), 2012–2017
Figure 63: Finnish Health Insurance – Written Premium (EUR Billion), 2008–2012
Figure 64: Finnish Health Insurance – Written Premium (EUR Billion), 2012–2017
Figure 65: Finnish Health Insurance – Loss Ratio (%), 2008–2012
Figure 66: Finnish Health Insurance – Loss Ratio (%), 2012–2017
Figure 67: Finnish Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2012 and 2017
Figure 68: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2008–2012
Figure 69: Finnish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Billion), 2012–2017
Figure 70: Finnish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2008–2012
Figure 71: Finnish Personal Accident and Health Insurance – Written Premium Through Direct Marketing (EUR Billion), 2012–2017
Figure 72: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012
Figure 73: Finnish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017
Figure 74: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012
Figure 75: Finnish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017
Figure 76: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2008–2012
Figure 77: Finnish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Billion), 2012–2017
Figure 78: Finnish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2008–2012
Figure 79: Finnish Personal Accident and Health Insurance – Written Premium Through Bancassurance (EUR Billion), 2012–2017
Figure 80: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012
Figure 81: Finnish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017
Figure 82: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012
Figure 83: Finnish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017
Figure 84: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2008–2012
Figure 85: Finnish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Billion), 2012–2017
Figure 86: Finnish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2008–2012
Figure 87: Finnish Personal Accident and Health Insurance – Written Premium Through Agencies (EUR Billion), 2012–2017
Figure 88: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012
Figure 89: Finnish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017
Figure 90: Finnish Personal Accident and Health Insurance – Number of Agencies, 2008–2012
Figure 91: Finnish Personal Accident and Health Insurance – Number of Agencies, 2012–2017
Figure 92: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Billion), 2008–2012
Figure 93: Finnish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Billion), 2012–2017
Figure 94: Finnish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2008–2012
Figure 95: Finnish Personal Accident and Health Insurance – Written Premium Through E-Commerce (EUR Billion), 2012–2017
Figure 96: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012
Figure 97: Finnish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017
Figure 98: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012
Figure 99: Finnish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017
Figure 100: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2008–2012
Figure 101: Finnish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Billion), 2012–2017
Figure 102: Finnish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2008–2012
Figure 103: Finnish Personal Accident and Health Insurance – Written Premium Through Brokers (EUR Billion), 2012–2017
Figure 104: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012
Figure 105: Finnish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017
Figure 106: Finnish Personal Accident and Health Insurance – Number of Brokers, 2008–2012
Figure 107: Finnish Personal Accident and Health Insurance – Number of Brokers, 2012–2017
Figure 108: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2008–2012
Figure 109: Finnish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Billion), 2012–2017
Figure 110: Finnish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2008–2012
Figure 111: Finnish Personal Accident and Health Insurance – Written Premium Through Other Channels (EUR Billion), 2012–2017
Figure 112: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012
Figure 113: Finnish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017
Figure 114: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012
Figure 115: Finnish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017
Figure 116: Finnish Personal Accident and Health Insurance – Five Forces Analysis
Figure 117: Finnish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion), 2008–2017
Figure 118: Finnish Reinsurance – Dynamics by Type of Insurance (%), 2008–2017
Figure 119: Finnish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012
Figure 120: Finnish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017
Figure 121: Finland – Insurance Regulatory Framework
Figure 122: Finland – The Three Pillars of Solvency II
Figure 123: Finland – Insurance Supervision and Control at Various Levels
Figure 124: Finland – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 122: Finnish Personal Accident and Health Insurance – Segment Shares (%), 2012
Figure 125: Finnish Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 126: Finnish GDP at Constant Prices (US$ Billion), 2007–2011
Figure 127: Finnish GDP per Capita at Constant Prices (US$), 2007–2011
Figure 128: Finnish GDP at Current Prices (US$ Billion), 2008–2012
Figure 129: Finnish GDP Per Capita at Current Prices (US$), 2008–2012
Figure 130: Finnish GDP by Key Segments (%), 2007 and 2011
Figure 131: Finnish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 132: Finnish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 133: Finnish Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 134: Finnish Manufacturing Net Output at Current Prices, as a Percentage of GDP (%), 2007–2011
Figure 135: Finnish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011
Figure 136: Finnish Mining, Manufacturing and Utilities Net Output at Current Prices, as a Percentage of GDP (%), 2007–2011
Figure 137: Finnish Construction Net Output at Current Prices (US$ Billion), 2007–2011
Figure 138: Finnish Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011
Figure 139: Finnish Inflation Rate (%), 2008–2012
Figure 140: Finnish Exports as a Percentage of GDP (%), 2007–2011
Figure 141: Finnish Imports as a Percentage of GDP (%), 2007–2011
Figure 142: Finnish Exports Growth (%), 2008–2011
Figure 143: Finnish Imports Growth (%), 2008–2011
Figure 144: Finnish Annual Average Exchange Rate US$–EUR, 2008–2012
Figure 145: Finnish Commercial Vehicle Exports Total Value (US$ Million), 2007–2011
Figure 146: Finnish Commercial Vehicle Imports Total Value (US$ Million), 2007–2

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