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市場調查報告書

英國的傷害、健康保險市場上的親和性、夥伴關係行銷

Affinity and Partnership Marketing in UK Accident and Health Insurance

出版商 Finaccord Ltd. 商品編碼 119149
出版日期 內容資訊 英文 147 pages
商品交期: 最快1-2個工作天內
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英國的傷害、健康保險市場上的親和性、夥伴關係行銷 Affinity and Partnership Marketing in UK Accident and Health Insurance
出版日期: 2015年06月01日 內容資訊: 英文 147 pages
簡介

本報告提供英國的傷害、健康保險市場上的親和性、夥伴關係行銷的實例詳細調查分析、聯盟報價的類型、運用模式、普及率、市場佔有率等彙整資料、為您概述為以下內容。

摘要整理

第1章 簡介

第2章 市場概要

  • 英國的傷害、健康保險市場上的親和性、夥伴關係行銷
    • 個人意外險
    • 民間醫療保險
    • 醫療預算計劃
    • 牙科保險

第3章 非營利親和性群組

  • 慈善機構
  • 生活方式機構
  • 專業協會
  • 運動組織
  • 產業團體
  • 工會
  • 大學

第4章 金融合作夥伴

  • 共濟工會
  • 保險公司
  • 線上整合業者、仲介
  • 專門貸款業者

第5章 商業組織

  • 汽車協會
  • 點數、卡片及里程服務
  • 房地產業者
  • 網際網路、媒體、通訊相關組織
  • 零售業者

圖表

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目錄

Finaccord's report titled Affinity and Partnership Marketing in UK Accident and Health Insurance represents the most detailed research ever undertaken on this sector. Drawing on the results of a survey of 2,555 organisations, the report analyses the penetration, operating models and provider share of relationships of affinity and partnership marketing schemes for accident insurance, private medical insurance, health / hospital cash plans and dental insurance.

These include: charities; friendly societies; internet, media and telecoms entities; insurers (tied / multi-tied intermediaries); lifestyle organisations; online aggregators and brokers; 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 well over 500 affinity and partnership marketing initiatives traced by Finaccord in these sectors.

In addition, the analysis identifies not only the providers of accident and health insurance with the most partnerships (overall, and within each category) but also computes 'weighted provider shares of partnerships' in order to highlight the providers that are likely to hold the most valuable relationships given the characteristics of their partners.

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 insurance, private medical insurance, health / hospital cash plans and dental insurance;
  • gain access to research that chronicles the vast majority of affinity and partnership marketing opportunities in these four areas;
  • understand not only which providers have secured the most partnerships but which are likely to hold the most valuable deals for each of accident insurance, private medical insurance, health / hospital cash plans and dental insurance;
  • benchmark the competitive position of your own organisation in affinity and partnership marketing and spot opportunities for displacing rivals;
  • plan your future affinity and partnership marketing strategy in accident insurance, private medical insurance, health / hospital cash plans and dental 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

1.0 INTRODUCTION

  • Background
    • Rationale
      • Affinity and partnership marketing remains an important, strategic topic for financial institutions
  • Methodology
    • Organisations investigated
      • Finaccord's research covers a total of 2,555 actual and potential partner organisations
    • Calculation of weighted provider share of partnerships
      • Finaccord's methodology identifies providers that are likely to hold the most valuable relationships
  • Definitions
    • Financial products
    • Operating models
    • PartnerBASE syntax
  • Finaccord
    • UK affinity and partnership marketing publications
    • UK consumer research publications

2.0 MARKET OVERVIEW

  • Affinities and partnerships in UK accident and health insurance
    • Accident insurance
      • Finaccord's research identifies over 160 schemes for accident insurance involving an external partner
      • Around 70% of affinity schemes for accident cover are organised through an external broker
      • Three providers of accident insurance feature in both the weighted and unweighted analysis...
      • ... namely Axiom Underwriting, Cigna and UIB
      • HMCA has grown its annual turnover by over 15% since 2010
      • Perkins Slade is a significant competitor in the market for sport-related accident insurance
    • Private medical insurance
      • Over 180 affinity partners distribute private medical cover in association with external providers
      • Over 40 schemes are based around a direct relationship with a single external underwriter
      • The weighted analysis indicates that AXA PPP may hold the most valuable deals for private medical cover
      • Bupa and Vitality Health are two other providers that feature in both the unweighted and weighted analyses
    • Health / hospital cash plans
      • Affinity schemes are spread across 14 different distributor categories...
      • ... and are most commonly set up with a single, external underwriter via an external intermediary
      • By outright number of partnerships, HMCA and Private Health Partnership are the leaders...
      • ... although BHSF leads the field in the weighted analysis
    • Dental insurance
      • 50 of 88 non-internal schemes for dental insurance are promoted via trade associations
      • Initiatives in this realm are most commonly organised in partnership with a single, external broker
      • A total of 20 companies are active as providers of dental cover in one form or another

3.0 NOT-FOR-PROFIT AFFINITY PARTNERS

  • Charities
    • Introduction
      • The websites of Age UK and the RSPB attract particularly high UK-based traffic
    • Analysis of partnerships
      • Epilepsy Action is one of two charities (out of 110) with a scheme for accident insurance
      • The Insurance Surgery sells private medical cover through several charities...
      • Just one charity has a scheme for dental insurance
  • Lifestyle organisations
    • Introduction
      • The category of lifestyle organisations embraces a diverse range of entities
    • Analysis of partnerships
      • Four schemes for accident insurance are visible among lifestyle organisations
      • CS Healthcare distributes private medical cover via two entities classifiable as lifestyle organisations...
  • Professional associations
    • Introduction
      • The combined membership of professional associations comes to just under 4 million
    • Analysis of partnerships
      • All programs for accident insurance sold by professional associations are set up via brokers
      • More than a third of professional associations have organised a scheme for private medical insurance
      • Parliament Hill runs member benefit schemes on behalf of numerous professional associations
      • HMCA also holds a significant number of partnerships in this arena
      • Four other providers of private medical cover are involved in deals either directly or indirectly
      • 16 professional associations promote health or hospital cash plans to their members
      • ... including the Institute of Directors in partnership with Westfield Health
      • Dental insurance is the form of accident or health cover least often promoted via professional associations.
  • Sports organisations
    • Introduction
      • This category includes bodies to which individual sports clubs, practitioners and trainers may belong
    • Analysis of partnerships
      • Well over a half of sports organisations centrally organise accident cover on behalf of their members
      • Perkins Slade holds the highest number of partnerships for accident cover with sports organisations
      • Bluefin and ACE together hold the partnership driving their high weighted share of partnerships
      • HMCA accounts for five out of nine deals for selling private medical cover through sports organisations...
  • Trade associations
    • Introduction
      • Finaccord has extended its coverage in this category to over 700 associations
    • Analysis of partnerships
      • Over 50 trade associations have a scheme in place for accident insurance
      • Accident cover forms a component of the benefits package offered by HMCA to 16 trade associations
      • 70 trade associations intermediate private medical cover
      • Private Health Partnership was acquired by Punter Southall Group in July 2014
      • Schemes for health and hospital cash plans are also comparatively numerous
      • HMCA, Private Health Partnership and Simplyhealth are also prominent in this domain
      • Bupa, Westfield Health and WPA are other providers with more than one partnership
      • The picture for dental insurance is largely comparable to that for health / hospital cash plans...
      • ... albeit AXA PPP, Denplan and National Dental Plan provide additional competition
  • Trade unions
    • Introduction
      • There are over 6 million trade union members in the UK
    • Analysis of partnerships
      • Over a quarter of trade unions have established a distribution partnership for accident insurance
      • Working with Cigna, UIB is the most prolific and visible provider of accident cover to trade unions...
      • ... albeit Hencilla Canworth is strong among unions with members involved in performing arts
      • The rate of provision for private medical insurance is much lower than that for accident insurance
      • Seven providers lay claim to at least one trade union relationship for this product
      • Protego also controls three out of five trade union distribution partnerships for dental cover
  • Universities
    • Introduction
      • The Open University's website attracts more UK traffic than that of any other UK-based university
    • Analysis of partnerships
      • Four universities maintain a facility for alumni or current students to acquire private medical insurance...
      • ... with ten different product providers involved in the distribution chain

4.0 FINANCIAL PARTNERS

  • Friendly societies
    • Introduction
      • Finaccord's research covers 25 of the larger friendly societies in the UK
    • Analysis of partnerships
      • Few friendly societies are distributors of private medical cover...
      • ... albeit the provision rate rises slightly in the case of health and hospital cash plans
  • Insurers (tied / multi-tied intermediaries)
    • Introduction
      • Over 50 branded intermediaries effectively act as tied or multi-tied agents for insurance products...
      • ... meaning that they also constitute a partnership marketing opportunity
    • Analysis of partnerships
      • A handful of entities in this sub-category distribute accident insurance, all via a single, external underwriter
      • Scottish Friendly holds two deals that make it leader by weighted share of partnerships
      • More schemes for private medical cover are in evidence than for accident insurance
      • ActiveQuote's partnership with Tiger.co.uk endows it with the highest weighted share of partnerships
      • Three entities in this category distribute health or hospital cash plans, two via external underwriters...
      • ... while four promote dental insurance
  • Insurers (underwriters)
    • Introduction
      • Over 80 insurance underwriting brands can be broken down into three main sub-categories
      • Sometimes, insurance underwriting brands distribute the policies of other underwriters or brokers
    • Analysis of partnerships
      • Most insurance brands that offer accident insurance underwrite their own policies internally
      • ... including that between Prudential and Vitality Health whose classification changed in November 2014
      • BHSF claims the key relationship in this category for health / hospital cash plans...
      • ... while Simplyhealth is most prominent for dental insurance, partly through its ownership of Denplan
  • Online aggregators and brokers
    • Introduction
      • The market for online aggregation and broking has become more concentrated in recent years
    • Analysis of partnerships
      • Four entities in this category distribute stand-alone accident insurance
      • The enthusiasm of online aggregators and brokers diminishes for both health / hospital cash plans
  • Specialised lenders
    • Introduction
      • The category of specialised lenders includes a variety of different types of institution
    • Analysis of partnerships
      • Two deals are visible for specialised accident cover, both underwritten by the same insurance provider
      • Aetna has secured one major affinity distribution partner for international health insurance plans

5.0 COMMERCIAL PARTNERS

  • Automotive associations
    • Introduction
      • In addition to the AA and RAC, nine other organisations fall within this partner category
    • Analysis of partnerships
      • Cigna's partnership with the RAC for accident cover makes it the dominant provider in weighted terms...
      • ... while AXA PPP leads the way in private medical insurance thanks to its link with the AA...
      • ... and HMCA for other types of health insurance cover as a result of one relationship in this field
  • Coalition loyalty schemes and frequent flyer programs
    • Introduction
      • Among qualifying entities, Nectar's website attracts the most UK-based online traffic
    • Analysis of partnerships
      • Vitality Health holds a potentially valuable partnership in this sphere
  • Estate agency and property service firms
    • Introduction
      • This category includes prominent online estate agency and property portals as well as traditional chains
    • Analysis of partnerships
      • Zoopla intermediates private medical insurance policies as a peripheral element of its proposition
  • Internet, media and telecoms entities
    • Introduction
      • This category embraces many organisations with extremely high UK website rankings
    • Analysis of partnerships
      • Four operating models are used by organisations in this category offering private medical cover
      • When viewed in weighted terms, AXA PPP appears to hold partnerships offering the most potential
      • ActiveQuote is the only provider to hold a partnership in this category for health or hospital cash plans
  • Retailers
    • Introduction
      • The research focuses on 80 of the retailer brands with most potential to offer insurance products
    • Analysis of partnerships
      • One major retail brand promotes both private medical insurance and health / hospital cash plans...
      • ... and is joined by another in the case of dental insurance

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

  • The affinity and partnership marketing universe
  • Organisations investigated, segmented by broad category

2.0 MARKET OVERVIEW

  • Affinity and partnership marketing schemes for accident insurance in the UK: provision rate by category of partner
  • Affinity and partnership marketing schemes for accident insurance in the UK: operating models
  • Affinity and partnership marketing schemes for accident insurance in the UK: unweighted and weighted provider share of partnerships
  • Affinity and partnership marketing schemes for private medical insurance in the UK: provision rate by category of partner
  • Affinity and partnership marketing schemes for private medical insurance in the UK: operating models
  • Affinity and partnership marketing schemes for private medical insurance in the UK: unweighted and weighted provider share of partnerships
  • Affinity and partnership marketing schemes for health / hospital cash plans in the UK: provision rate by category of partner
  • Affinity and partnership marketing schemes for health / hospital cash plans in the UK: operating models
  • Affinity and partnership marketing schemes for health / hospital cash plans in the UK: unweighted and weighted provider share of partnerships
  • Affinity and partnership marketing schemes for dental insurance in the UK: provision rate by category of partner
  • Affinity and partnership marketing schemes for dental insurance in the UK: operating models
  • Affinity and partnership marketing schemes for dental insurance in the UK: unweighted and weighted provider share of partnerships

3.0 NOT-FOR-PROFIT AFFINITY PARTNERS

  • Charities offering accident insurance: provision rates and operating models
  • Charities offering accident insurance: unweighted and weighted provider share of partnerships
  • Charities offering private medical insurance: provision rates and operating models
  • Charities offering private medical insurance: unweighted and weighted provider share of partnerships
  • Charities offering health / hospital cash plans: provision rates and operating models
  • Charities offering health / hospital cash plans: unweighted and weighted provider share of partnerships
  • Charities offering dental insurance: provision rates and operating models
  • Lifestyle organisations offering accident insurance: provision rates and operating models
  • Lifestyle organisations offering accident insurance: unweighted and weighted provider share of partnerships
  • Lifestyle organisations offering private medical insurance: provision rates and operating models
  • Lifestyle organisations offering private medical insurance: unweighted and weighted provider share of partnerships
  • Lifestyle organisations offering dental insurance: provision rates and operating models
  • Top 40 professional associations in the UK ranked by member numbers, 2015 (table)
  • Professional associations offering accident insurance: provision rates and operating models
  • Professional associations offering accident insurance: unweighted and weighted provider share of partnerships
  • Professional associations offering private medical insurance: provision rates and operating models
  • Professional associations offering private medical insurance: unweighted and weighted provider share of partnerships
  • Professional associations offering health / hospital cash plans: provision rates and operating models
  • Professional associations offering health / hospital cash plans: unweighted and weighted provider share of partnerships
  • Professional associations offering dental insurance: provision rates and operating models
  • Professional associations offering dental insurance: unweighted and weighted provider share of partnerships
  • Sports organisations offering accident insurance: provision rates and operating models
  • Sports organisations offering accident insurance: unweighted and weighted provider share of partnerships
  • Sports organisations offering private medical insurance: provision rates and operating models
  • Sports organisations offering private medical insurance: unweighted and weighted provider share of partnerships
  • Sports organisations offering health / hospital cash plans and dental insurance: provision rates and operating models
  • Top 80 trade associations in the UK ranked by member numbers, 2015 (table)
  • Top 80 trade associations in the UK ranked by member numbers, 2015 (table) (continued)
  • Trade associations offering accident insurance: provision rates and operating models
  • Trade associations offering accident insurance: unweighted and weighted provider share of partnerships
  • Trade associations offering private medical insurance: provision rates and operating models.
  • Trade associations offering private medical insurance: unweighted and weighted provider share of partnerships
  • Trade associations offering health / hospital cash plans: provision rates and operating models
  • Trade associations offering health / hospital cash plans: unweighted and weighted provider share of partnerships
  • Trade associations offering dental insurance: provision rates and operating models.
  • Trade associations offering dental insurance: unweighted and weighted provider share of partnerships
  • Top 40 trade unions in the UK ranked by member numbers, 2015 (table)
  • Trade unions offering accident insurance: provision rates and operating models
  • Trade unions offering accident insurance: unweighted and weighted provider share of partnerships
  • Trade unions offering private medical insurance: provision rates and operating models
  • Trade unions offering private medical insurance: unweighted and weighted provider share of partnerships
  • Trade unions offering health / hospital cash plans: provision rates and operating models
  • Trade unions offering health / hospital cash plans: unweighted and weighted provider share of partnerships
  • Trade unions offering dental insurance: provision rates and operating models
  • Trade unions offering dental insurance: unweighted and weighted provider share of partnerships
  • Universities offering private medical insurance: provision rates and operating models
  • Universities offering private medical insurance: unweighted and weighted provider share of partnerships

4.0 FINANCIAL PARTNERS

  • Friendly societies offering private medical insurance: provision rates and operating models
  • Friendly societies offering health / hospital cash plans: provision rates and operating models
  • Insurers (tied / multi-tied intermediaries) offering accident insurance: provision rates and operating models
  • Insurers (tied / multi-tied intermediaries) offering accident insurance: unweighted and weighted provider share of partnerships
  • Insurers (tied / multi-tied intermediaries) offering private medical insurance: provision rates and operating models
  • Insurers (tied / multi-tied intermediaries) offering private medical insurance: unweighted and weighted provider share of partnerships
  • Insurers (tied / multi-tied intermediaries) offering health / hospital cash plans: provision rates and operating models
  • Insurers (tied / multi-tied intermediaries) offering health / hospital cash plans: unweighted and weighted provider share of partnerships
  • Insurers (tied / multi-tied intermediaries) offering dental insurance: provision rates and operating models
  • Insurers (tied / multi-tied intermediaries) offering dental insurance: unweighted and weighted provider share of partnerships
  • Insurers (underwriters) offering accident insurance: provision rates and operating models
  • Insurers (underwriters) offering private medical insurance: provision rates and operating models
  • Insurers (underwriters) offering private medical insurance: unweighted and weighted provider share of partnerships
  • Insurers (underwriters) offering health / hospital cash plans: provision rates and operating models
  • Insurers (underwriters) offering health / hospital cash plans: unweighted and weighted provider share of partnerships
  • Insurers (underwriters) offering dental insurance: provision rates and operating models
  • Insurers (underwriters) offering dental insurance: unweighted and weighted provider share of partnerships
  • Online aggregators and brokers offering accident insurance: provision rates and operating models
  • Online aggregators and brokers offering private medical insurance: provision rates and operating models
  • Online aggregators and brokers offering private medical insurance: unweighted and weighted provider share of partnerships
  • Online aggregators and brokers offering health / hospital cash plans: provision rates and operating models
  • Online aggregators and brokers offering health / hospital cash plans: unweighted and weighted provider share of partnerships
  • Online aggregators and brokers offering dental insurance: provision rates and operating models
  • Online aggregators and brokers offering dental insurance: unweighted and weighted provider share of partnerships
  • Specialised lenders offering accident insurance: provision rates and operating models
  • Specialised lenders offering health / hospital cash plans: provision rates and operating models

5.0 COMMERCIAL PARTNERS

  • Automotive associations offering accident insurance: provision rates and operating models
  • Automotive associations offering accident insurance: unweighted and weighted provider share of partnerships
  • Automotive associations offering private medical insurance: provision rates and operating models
  • Automotive associations offering private medical insurance: unweighted and weighted provider share of partnerships
  • Automotive associations offering health / hospital cash plans / dental insurance: provision rates and operating models
  • Coalition loyalty schemes and frequent flyer programs offering private medical insurance: provision rates and operating models
  • Estate agency and property service firms offering private medical insurance: provision rates and operating models
  • Internet, media and telecoms entities offering private medical insurance: provision rates and operating models
  • Internet, media and telecoms entities offering private medical insurance: unweighted and weighted provider share of partnerships
  • Internet, media and telecoms entities offering health / hospital cash plans: provision rates and operating models
  • Retailers offering private medical insurance and health / hospital cash plans: provision rates and operating models
  • Retailers offering dental insurance: provision rates and operating models
  • Retailers offering dental insurance: unweighted and weighted provider share of partnerships
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