英國意外、健康保險之聯合及合作夥伴行銷 是由出版商Finaccord Ltd.在2010年04月所出版的。
這份英文市場調查報告書包含95 pages 價格從美金1972起跳。
本報告為，詳細調查分析英國意外、健康保險之聯合及合作夥伴行銷實例，並匯整合作提議、運用模式、普及率、市場佔有率等，以下列摘要形式闡述。
實施概要
第1章 簡介
第2章 市場概要
- 簡介
- 英國個人意外保險之聯合及合作夥伴行銷
- 英國民間醫療保險之聯合及合作夥伴行銷
- 英國醫療預算計畫之聯合及合作夥伴行銷
- 英國牙科保險之聯合及合作夥伴行銷
第3章 非營利同儕團體
- 慈善機構
- 生活方式組織
- 政治團體
- 專業協會
- 運動組織
- 產業團體
- 工會
- 大學
第4章 金融夥伴
- 銀行
- 建築資金融資合作社
- 信用合作社
- 互助會
- 保險公司
- 線上應用、經理人
- 套裝帳戶、支付卡
- 當舖、支票業者、外匯匯款服務供應商
- 專業貸款
第5章 商業組織
- 航空公司
- 汽車協會
- 汽車經銷商、維修工廠、超級市場
- 汽車製造業者
- 不動產
- 足球隊
- 網路、媒體、通訊相關組織
- 線上比價供應商
- 零售業者
- 旅行社
- 公用事業公司
- 其他
圖表
Abstract
Finaccord' s report titled Affinity and Partnership Marketing in UK Accident
and Health Insurance represents the most detailed research ever undertaken on
this sector and is one of eight studies in a new series of publications.
Drawing on the results of a survey of 2,565 organisations, the report analyses
the penetration, operating models and provider share of relationships of
affinity and partnership marketing schemes for private medical insurance,
health / hospital cash plans, dental insurance and personal accident
insurance. These include banks, building societies, charities, friendly
societies, Internet, media and telecoms entities, lifestyle organisations,
professional associations, retailers, trade associations and trade unions.
Moreover, the PartnerBASE database that accompanies the report provides the
granular detail behind the analysis, detailing each of close to 450 affinity
and partnership marketing initiatives traced by Finaccord in this sector. You
may be able to use this report and associated PartnerBASE database in one or
more of the following ways: drill down into the detail lying behind affinity
and partnership marketing schemes for accident and health insurance in the UK;
gain access to research that chronicles the vast majority of affinity
marketing opportunities in accident and health insurance; use the PartnerBASE
database to identify trends by partner type, operating model and product
provider; benchmark the competitive position of your own organisation in
affinity and partnership marketing of accident and health insurance and spot
opportunities for displacing rivals; plan your future affinity and partnership
marketing strategy for accident and health insurance armed with the best
market and competitor intelligence available on this subject. Together, the
report and PartnerBASE database will provide you with the definitive guide to
current and potential affinity and partnership marketing opportunities in UK
accident and health insurance.
Table of Contents
0.0 EXECUTIVE SUMMARY
- Research background and structure
- Sports organisations are the most likely type of affinity partner for
personal accident insurance while trade and professional associations are
important for private medical insurance
- Health cash plans are distributed through partnerships with specialist
providers
- Dental insurance has the fewest affinity partnerships out of these types
of health insurance and is only ever distributed alongside other accident and
health products
1.0 INTRODUCTION
- Rationale
- The channels used to distribute financial products and services in the
UK continue to proliferate
- Methodology
- Finaccord
- UK affinity and partnership marketing publications
- Other UK consumer research publications
- UK small business financial services research publications
- PartnerBASE™
- Definitions
2.0 MARKET OVERVIEW
- Introduction
- Finaccord identified over 300 organisations with a partnership for
accident or health insurance with private medical insurance identifiable as
the most common form of cover offered
- Affinities and partnerships in UK personal accident insurance
- Three quarters of all partnerships are held by four categories of partner
- Only sports organisations offer personal accident insurance in more than
half of all cases
- Single underwriters and external brokers are used in the majority of
partnerships with one underwriter and one broker holding the largest number
of partnerships
- Affinities and partnerships in UK private medical insurance
- Work-related affinity partnerships account for six out of ten
distributors and this is the only form of accident or health policy to
attract online aggregators and brokers
- Private medical insurance is a key affinity product for professional
associations
- Both internal and external brokers are more important than for personal
accident insurance
- Intermediaries hold the most partnerships, even though the number of
providers is limited and are split between benefits managers, online
aggregators and a health insurance specialist
- Bupa remains the leader for health insurance partnerships by a clear
margin
- Affinities and partnerships in UK health cash plans
- Trade unions have the same interest in health cash plans as they do for
private medical insurance
- Health cash plans are offered by one in five friendly societies
- Most schemes are organised in conjunction with a single underwriter with
these competitors typically specializing in health cash plans
- as they are not a product of core interest to brokers
- Affinities and partnerships in UK dental insurance
- Programs for dental insurance are completely absent from 21 partner
categories and the percentage of partners promoting it only exceeds 10% in
one category
- Three intermediaries account for nearly half of all partnerships
- Three underwriters of dental insurance hold nearly all of the single
partnerships between them
3.0 NOT-FOR-PROFIT AFFINITY GROUPS
- 3.1 Charities
- Introduction
- Analysis of partnerships
- Only one charity has a partnership to distribute accident and health
insurance
- 3.2 Lifestyle organisations
- Introduction
- Analysis of partnerships
- Some lifestyle organisations offer accident and health insurance,
although with little affinity
- 3.3 Political parties
- Introduction
- 3.4 Professional associations
- Introduction
- 28 professional associations possess in excess of 30,000 individual
members
- Analysis of partnerships
- Professional associations are leading partners for private medical and
dental insurance with less concern for personal accident insurance
- Bupa and Parliament Hill join HMCA as major partners for private medical
insurance while HMCA is the only broker active for health cash plans
- Dental insurance is never offered without other forms of health insurance
- 3.5 Sports organisations
- Introduction
- Analysis of partnerships
- Personal accident insurance is a major feature of the benefits offered
by sports organisations some of which also act as distributors for health
insurance
- 3.6 Trade associations
- Introduction
- Analysis of partnerships
- Personal accident insurance is not often promoted by trade associations
and only two insurers hold single partnerships for this product
- Private Health Partnership is the leading broker of specialist private
medical insurance
- Westfield Health is the leading provider of health cash plans for trade
associations
- Bupa is the only insurer with direct relationships for dental insurance
- 3.7 Trade unions
- Introduction
- Analysis of partnerships
- Personal accident insurance is important for trade union members with no
single employer
- Partners for private medical insurance are different from health cash
plan providers which are dominated by single partnerships
- Dental insurance is not part of trade unions' standard benefits
- 3.8 Universities.
- Introduction
- Private medical insurance is the only form of accident and health cover
offered by universities
4.0 FINANCIAL PARTNERS
- 4.1 Banks
- Introduction
- Analysis of partnerships
- Banks have few visible partnerships for accident and health insurance
- 4.2 Building societies.
- Introduction
- Analysis of partnerships
- Building societies concentrate on mortgage-related accident and health
products
- 4.3 Credit unions
- Introduction
- Analysis of partnerships
- MEMBERS Financial Services offers health cash plans, but credit unions
are rarely interested in it
- 4.4 Friendly societies
- Introduction
- Analysis of partnerships
- Friendly societies have their own accident and health insurance
products, with few partnerships
- 4.5 Insurance companies
- Introduction
- Analysis of partnerships
- New partnerships have been formed by non-life insurers for private
medical insurance but these are rarer for other types of accident and health
insurance
- 4.6 Online aggregators and brokers
- Introduction
- Analysis of partnerships
- Aggregators and brokers are most interested in private medical insurance
with PMI Partners identifiable as the external broker for three major
aggregators
- Few aggregators or brokers include low cost accident and health products
in their portfolio
- 4.7 Packaged accounts and payment cards
- Introduction
- 4.8 Pawnbrokers, cheque cashers and providers of foreign exchange and
remittance services
- Introduction
- Even low cost accident and health products are unlikely to appeal to
customers of these entities
- 4.9 Specialized lenders
- Introduction
- Analysis of partnerships
- Only one specialized lender has a visible accident or health proposition
5.0 COMMERCIAL ENTITIES
- 5.1 Airlines
- Introduction
- 5.2 Automotive associations
- Introduction
- Analysis of partnerships
- Two associations have entered the market for private medical insurance
- 5.3 Automotive dealers, repair shops and supermarkets
- Introduction
- Kwik Fit could imitate the RAC' s travel accident policy, to establish an
affinity with this form of cover
- 5.4 Automotive manufacturers
- Introduction
- A move into accident and health insurance would require a very strong
brand
- 5.5 Estate agents
- Introduction
- Estate agents' IFAs could recommend health insurance, but formal
partnerships are unlikely
- 5.6 Football clubs
- Introduction
- Analysis of partnerships
- Clubs' multi-product financial services divisions have closed after a
brief existence
- Accident and health insurance is included in a range of products offered
by several clubs
- 5.7 Internet, media and telecoms entities
- Introduction
- Analysis of partnerships
- Private medical insurance is distributed by a fifth of Internet, media
and telecoms entities with BeatThatQuote.com identifiable as the leading
partner for it although Moneysupermarket.com leads for dental insurance
- 5.8 Online price comparison providers
- Introduction
- Analysis of partnerships
- BeatThatQuote.com could expand its partnerships further by working with
these sites
- 5.9 Retailers
- Introduction
- Analysis of partnerships
- Only Tesco offers all three forms of health insurance while several
leading brands have no products in this area at all
- 5.10 Travel companies
- Introduction
- Travel insurance overlaps with accident and health insurance
- 5.11 Utilities companies
- Introduction
- Failure to sell household insurance bodes ill for accident and health
insurance
- 5.12 Other commercial entities
- Introduction
- Branded conglomerates
- Four diverse organisations are now classified as ' branded conglomerates'
with Virgin planning an ambitious expansion of its financial services
activities
- Only Saga is active for accident and health insurance
- Loyalty schemes
- The loyalty schemes category includes programs based around leisure,
shopping and travel
- AIRMILES, ipoints and Nectar have very different profiles and histories
- Nectar could develop accident and health policies, but other schemes are
too travel-based
- The Post Office
- The Post Office has potential as a distributor of low cost accident and
health products
GRAPHICS / TABLES
- The affinity and partnership marketing universe
- Entities contacted for the research, segmented by broad category
- Number of partnerships for accident and health insurance in the UK by
product type
- Affinity and partnership marketing schemes for personal accident insurance
in the UK: penetration by type of partner
- Affinity and partnership marketing schemes for personal accident insurance
in the UK: segmentation by operating model and competitor
- Affinity and partnership marketing schemes for private medical insurance
in the UK: penetration by type of partner
- Affinity and partnership marketing schemes for private medical insurance
in the UK: segmentation by operating model and competitor
- Affinity and partnership marketing schemes for health cash plans in the
UK: penetration by type of partner
- Affinity and partnership marketing schemes for health cash plans in the
UK: segmentation by operating model competitor
- Affinity and partnership marketing schemes for dental insurance in the UK:
penetration by type of partner
- Affinity and partnership marketing schemes for dental insurance in the UK:
segmentation by operating model competitor
- Charities offering health cash plans through partnerships
- Lifestyle organisations offering accident or health insurance through
partnerships
- The top 30 professional associations in the UK ranked by member numbers,
2010 (data)
- Professional associations offering personal accident insurance:
penetration, operating models and share of partnerships
- Professional associations offering private medical insurance: penetration,
operating models and share of partnerships
- Professional associations offering health cash plans: penetration,
operating models and share of partnerships
- Professional associations offering dental insurance: penetration,
operating models and share of partnerships
- Sports organisations offering personal accident insurance: penetration,
operating models and share of partnerships
- Sports organisations offering health insurance through partnerships
- The top 75 trade associations in the UK ranked by member numbers, 2010
(data)
- The top 75 trade associations in the UK ranked by member numbers, 2010
(data) (continued)
- Trade associations offering personal accident insurance: penetration,
operating models and share of partnerships
- Trade associations offering private medical insurance: penetration,
operating models and share of partnerships
- Trade associations offering health cash plans: penetration, operating
models and share of partnerships
- Trade associations offering dental insurance: penetration, operating
models and share of partnerships
- The top 40 trade unions in the UK ranked by member numbers, 2010 (data)
- Trade unions offering personal accident insurance: penetration, operating
models and share of partnerships
- Trade unions offering private medical insurance: penetration, operating
models and share of partnerships
- Trade unions offering health cash plans: penetration, operating models and
share of partnerships
- Trade unions offering dental insurance through partnerships
- Universities offering private medical insurance through partnerships
- Banks offering accident or health insurance through partnerships
- Building societies offering health cash plans through partnerships
- The top 20 credit unions in the UK ranked by member numbers (data)
- Credit unions offering health cash plans through partnerships
- The top 25 friendly societies in the UK ranked by member numbers, 2008
(data)
- Friendly societies offering health insurance through partnerships
- Insurers offering private medical insurance: penetration, operating models
and share of partnerships
- Insurers offering accident or health insurance through partnerships
- Online aggregators and brokers offering private medical insurance:
penetration, operating models and share of partnerships
- Online aggregators and brokers offering accident or health insurance
through partnerships
- Specialized lenders offering private medical insurance through partnerships
- Automotive associations offering accident or health insurance through
partnerships
- Football clubs offering accident or health insurance through partnerships
- Internet, media and telecoms entities offering private medical insurance:
penetration, operating models and share of partnerships
- Internet, media and telecoms entities offering accident or health
insurance through partnerships
- Online price comparison sites offering health insurance through
partnerships
- Supermarkets offering accident or health insurance through partnerships
- Branded conglomerates offering health insurance through partnerships
- Loyalty schemes offering accident insurance through partnerships
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