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市場調查報告書

全球行動業者:關於保險以及輔助服務的策略

Global Mobile Operators: Strategies in Insurance and Assistance

出版商 Finaccord Ltd. 商品編碼 247387
出版日期 內容資訊 英文 350 Pages
商品交期: 最快1-2個工作天內
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全球行動業者:關於保險以及輔助服務的策略 Global Mobile Operators: Strategies in Insurance and Assistance
出版日期: 2015年03月01日 內容資訊: 英文 350 Pages
簡介

本報告提供全球70個國家的行動業者255間公司的保險以及輔助服務活動及策略性合作的相關調查分析資料,為您概述為以下內容。

摘要整理

第1章 簡介

第2章 市場分析

  • 簡介
  • 調查對象集團(大型行動電訊集團)的摘要
  • 全球行動付款市場
  • 集團的行動金融服務的策略性方法
  • 行動金融服務的集團擁有·合作策略
  • 付款,銀行,保險以及輔助服務的專屬自保(自家公司專用保險公司)
  • 付款,銀行,保險以及輔助服務的合資企業
  • 與付款及付款相關技術企業的策略性合作
  • 與銀行的策略性合作
  • 關於保險以及輔助服務企業的合作

第3章 品牌分析

  • 簡介
  • 調查對象品牌的摘要
  • 保險及援助服務商品的津貼
  • 運用模式
  • 保險及援助服務商品合作的競爭者的市場佔有率
  • 未來的商品及計劃中的構想

第4章 品牌簡介

圖表清單

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目錄

Global Mobile Operators: Strategies in Insurance and Assistance is a report and interactive PartnerBASE dataset that provides a detailed worldwide overview of the fast-growing involvement of mobile operator brands and groups in the fields of insurance and assistance. For 286 brands spread across 92 countries, it outlines their activity and strategic partnerships for the following insurance and assistance product and service categories:

  • insurance : mobile phone, mobile gadget, bill payment protection, identity protection, motor, household, travel, accident, health, life;
  • assistance : home, legal, medical, road.

Across all 286 brands researched, at least one insurance or assistance policy was on offer from 159 (55.6%) of them and Finaccord identified 440 distinct product initiatives in total with providers including organisations such as ACE, AIG, Allianz Global Assistance, American Assist, Assurant, Asurion, AXA, Iké Asistencia, MAPFRE, Marsh, Tokio Marine & Nichido and Zurich.

The often vast number of customers of mobile operator brands, typically running into millions or tens of millions, makes them potentially attractive as affinity partners to insurance and assistance companies. Moreover, rapid growth in the worldwide market for mobile payments signifies that there are increasing opportunities to combine insurance and assistance policies with emerging payment products.

Key features of this research include:

  • an overview of strategic initiatives in insurance and assistance that are being driven by telecoms companies at a centralised group level as opposed to the national level;
  • coverage of the 14 insurance and assistance categories listed above plus other related propositions such as personal assistance, computer assistance, sport insurance and victim of crime insurance where these were found to be offered;
  • assessment of the degree to which 286 mobile operator brands distribute these types of insurance and assistance and how the provision rates vary across seven global regions;
  • identification of the many insurance providers and assistance firms used in this context by these mobile operator brands and analysis of the partnerships that offer most potential given each brands' number of customers;
  • availability of an accompanying interactive PartnerBASE database that details the 440 distinct product initiatives and that is fully customisable, searchable and filterable, enabling provision and distribution patterns to be explored across multiple brands, parent groups and geographical regions.

Table of Contents

0.0 EXECUTIVE SUMMARY

  • Finaccord's research covers 60 major mobile telecoms groups and 286 country-specific operator brands
  • An increasing proportion of mobile operator brands are offering mobile phone and gadget insurance with programs most widespread in North America and in Southern and Western Europe
  • Some mobile operators distribute free insurance policies based on customers' top-up payments.
  • The provision of assistance services via mobile operators is particularly strong in Latin America
  • Mobile telecoms groups and brands are likely to up their game in financial services for several reasons
  • The current worldwide structure of mobile financial services is both complex and fragmented
  • In future, leading mobile telecoms groups are likely to work with a smaller number of large providers

1.0 INTRODUCTION

  • What is this report about?
    • This study analyses the involvement of mobile operators in insurance and assistance covering 440 distinct product initiatives
  • Rationale
    • Mobile operators can be key affinity distribution partners in insurance and assistance
  • Methodology
    • Primary research
    • The research covers 60 mobile operator groups and 286 brands across 92 countries
  • Definitions
    • Insurance and assistance products and services
    • Other terms
    • Operating models
    • Unweighted and weighted share of partnerships
  • Interactive PartnerBASE
  • Finaccord

2.0 GROUP STRATEGY ANALYSIS

  • Introduction
  • Summary of groups researched
    • By total number of subscribers, China Mobile is by far the largest of the 60 groups investigated
  • The global market for mobile payments
    • The worldwide market for mobile payments has increased exponentially in recent years
  • Group strategic approaches to mobile insurance and assistance
    • Insurance and assistance initiatives are usually arranged by mobile operators at a country-specific level albeit some firms combine central planning with country-specific insurance partnerships for both mobile phone and gadget cover plus other types of insurance
    • Telefónica and Vodafone have both set up insurance captives while Japan's KDDI has established a joint venture
    • Centrally organised assistance schemes are especially prevalent in Latin America as evidenced by services promoted by América Móvil, Millicom and Telefónica
  • Group ownership and partnership strategies in mobile insurance and assistance
    • The creation of captive and joint venture companies is an option for mobile telecoms groups with outright or partial ownership almost inevitably the outcome of centralised decisions
  • Captives and joint ventures in insurance and assistance
    • The survey uncovered six different captive enterprises involved in mobile insurance and assistance plus one joint venture
  • Strategic partnerships with insurance and assistance companies
    • Telefónica and Vodafone have both established strategic partnerships in this arena
    • In future, it is likely that major telecoms groups will seek to offer more products with fewer providers

3.0 BRAND ANALYSIS

  • Introduction
  • Summary of brands researched
    • Over 50% of mobile phone subscribers are concentrated in one geographical region
    • Vodafone is the owner (or co-owner) of 23 of the mobile operator brands researched
  • Provision of insurance and assistance products
    • Overall provision rates
      • 113 mobile operator brands have schemes for mobile phone insurance up and running and 159 intermediate at least one form of insurance or assistance
      • Various niche insurance and assistance policies are also on offer from a handful of mobile operators
    • Mobile phone insurance
      • There has been a modest increase in the worldwide provision rate for mobile phone insurance although availability still varies substantially by region
      • Through their mobile operator partnerships, Asurion and Assurant have access to the most subscribers with ACE ranked third based largely on its multi-country link with Vodafone
      • Marsh is used as scheme administrator in a number of cases
    • Mobile gadget insurance
      • Operators selling mobile gadget cover are most widespread in North America and two European regions
      • The most prominent providers in this field are broadly similar to those visible for mobile phone insurance
    • Bill payment protection insurance
      • This type of cover is on offer from a handful of brands spread across five of the seven regions with Assurant and ACE the most prominent providers in the weighted analysis
    • Identity protection insurance and assistance
      • Identity protection cover is only ever available embedded within a broader insurance policy
    • Motor insurance
      • Few mobile operators have seen fit to market motor insurance to their subscribers albeit Turkey's Avea has introduced a car insurance comparison and brokerage service
    • Household insurance
      • Likewise, the availability rate for household insurance via mobile operators is also quite low with two of five schemes in evidence having been established in Brazil
    • Travel insurance and assistance
      • Travel cover is sold by 35 of the mobile operator brands investigated with ACE claiming four significant partnerships in this domain
    • Accident insurance
      • Globally, almost 30% of mobile subscribers have access to accident cover through a mobile operator with the two most prominent relationships having been established in China
    • Health insurance
      • Health insurance is offered by mobile operators in five of the seven regions surveyed
      • New China Life claims the partnership generating the highest weighted share
      • MicroEnsure is active in this and other fields in several countries
    • Life insurance
      • Mobile operator schemes for life insurance are most widespread in Africa and the Middle East with many fitting the definition of micro-insurance and / or offered for free to prepaid subscribers
      • PICC's link with China Mobile makes it the leader by weighted share of partnerships
      • Bima is a notable player in this and other micro-insurance sectors
    • Home assistance
      • Home assistance is available as an optional extra from over a half of mobile brands in Latin America usually as part of a bundle of assistance services
      • By weighted share of partnerships, three providers control over a half of the potential market
    • Legal assistance
      • Legal assistance is only available from mobile operators in Latin America
      • Patrimonial Inbursa holds the highest weighted share, thanks to its partnership with Telcel in Mexico
    • Medical assistance
      • Medical assistance is available from mobile operators in four of the seven regions investigated
      • Prominent providers include Healthfore in India and American Assist in Latin America
    • Road assistance
      • Schemes for road assistance through mobile operators are most numerous in the Americas
      • Allstate's Signature Motor Club and Asurion are both important players in this context
    • Miscellaneous insurance and assistance
      • Personal assistance is the most widely available 'miscellaneous' policy type
      • The broad array of product providers reflects the wide range of insurance and assistance types on offer
    • Operating models for insurance and assistance products
      • A majority of mobile operator insurance and assistance schemes are set up with a single external partner albeit a few are run internally or via a captive or joint venture entity
  • Profiles in the interactive PartnerBASE file
    • 2degrees (New Zealand)
    • 3 (Austria)
    • 3 (Hong Kong)
    • 3 (Indonesia)
    • 3 (Ireland)
    • 3 (Italy)
    • 3 (Sweden)
    • 3 (UK)
    • A1 (Austria)
    • Aircel (India)
    • airtel (Ghana)
    • airtel (India)
    • airtel (Kenya)
    • airtel (Nigeria)
    • airtel (Tanzania)
    • airtel (Uganda)
    • AIS (Thailand)
    • Antel (Uruguay)
    • APT - Asia Pacific Telecom (Taiwan)
    • AT&T Mobillity (US)
    • au (Japan)
    • Avea (Turkey)
    • Bakrie Telecom (Indonesia)
    • BASE (Belgium)
    • Beeline (Kazakhstan)
    • Beeline (Russia)
    • Bell Mobility (Canada)
    • BH Mobile (Bosnia Herzegovina)
    • Bouygues Télécom (France)
    • BSNL (India)
    • Cable & Wireless (Panama)
    • Celcom (Malaysia)
    • Cell C (South Africa)
    • Cellcom (Israel)
    • Ceria Mobile (Indonesia)
    • China Mobile (China)
    • China Telecom (China)
    • China Unicom (China)
    • Chunghwa Telecom (Taiwan)
    • Claro (Argentina)
    • Claro (Brazil)
    • Claro (Chile)
    • Claro (Colombia)
    • Claro (Dominican Republic)
    • Claro (Ecuador)
    • Claro (El Salvador)
    • Claro (Guatemala)
    • Claro (Honduras)
    • Claro (Nicaragua)
    • Claro (Peru)
    • COSMOTE (Greece)
    • csl (Hong Kong)
    • DiGi (Malaysia)
    • Digi.Mobil (Romania)
    • Digicel (Haiti)
    • Digicel (Jamaica)
    • Digitel GSM (Venezuela)
    • Djezzy (Algeria)
    • DNA (Finland)
    • DTAC (Thailand)
    • du (UAE)
    • EE (UK)
    • Elisa (Finland)
    • Entel (Bolivia)
    • Entel (Chile)
    • Entel (Peru)
    • E-Plus (Germany)
    • Etisalat (Egypt)
    • Etisalat (Nigeria)
    • Etisalat (UAE)
    • Expresso (Senegal)
    • Far EasTone (Taiwan)
    • FITEL (Taiwan)
    • Free (France)
    • Geocell (Georgia)
    • Glo (Ghana)
    • Glo (Nigeria)
    • Globe Telecom (Philippines)
    • Gmobile (Vietnam)
    • IAM (Morocco)
    • Idea Cellular (India)
    • Indosat (Indonesia)
    • inwi (Morocco)
    • Kcell (Kazakhstan)
    • Kölbi (Costa Rica)
    • KPN (Netherlands)
    • KT (South Korea)
    • Kyivstar (Ukraine)
    • LG U+ (South Korea)
    • life:) (Ukraine)
    • LIME (Jamaica)
    • LMT (Latvia)
    • Loop Mobile (India)
    • Iusacell (Mexico)
    • m:tel (Bosnia Herzegovina)
    • M1 (Singapore)
    • MagtiCom (Georgia)
    • Magyar Telekom (Hungary)
    • Maxis (Malaysia)
    • Méditel (Morocco)
    • MegaFon (Russia)
    • MEO (Portugal)
    • Meteor (Ireland)
    • MobiFone (Vietnam)
    • Mobilis (Algeria)
    • Mobily (Saudi Arabia)
    • Mobinil (Egypt)
    • Mobistar (Belgium)
    • Movicel (Angola)
    • Movilnet (Venezuela)
    • Movistar (Argentina)
    • Movistar (Chile)
    • Movistar (Colombia)
    • Movistar (Ecuador)
    • Movistar (Guatemala)
    • Movistar (Mexico)
    • Movistar (Nicaragua)
    • Movistar (Peru)
    • Movistar (Spain)
    • Movistar (Uruguay)
    • Movistar (Venezuela)
    • MPT (Myanmar)
    • mt:s (Serbia)
    • M-Tel (Bulgaria)
    • MTN (Cameroon)
    • MTN (Ghana)
    • MTN (Nigeria)
    • MTN (South Africa)
    • MTN (Sudan)
    • MTN (Uganda)
    • MTN (Yemen)
    • MTNL (India)
    • MTS (India)
    • MTS (Russia)
    • MTS (Ukraine)
    • Ncell (Nepal).
    • Nepal Telecom (Nepal)
    • NetCom (Norway)
    • NEXTEL (Argentina)
    • NEXTEL (Brazil)
    • NEXTEL (Mexico)
    • NOS (Portugal)
    • NTT DOCOMO (Japan)
    • O2 (Czech Republic)
    • O2 (Germany)
    • O2 (Ireland)
    • O2 (Slovakia)
    • O2 (UK)
    • Oi (Brazil)
    • Oman Mobile (Oman)
    • Omnitel (Lithuania)
    • Ooredoo (Algeria)
    • Ooredoo (Kuwait)
    • Ooredoo (Oman)
    • Ooredoo (Qatar)
    • Ooredoo (Tunisia)
    • Optus Mobile (Australia)
    • Orange (Cameroon)
    • Orange (Dominican Republic)
    • Orange (France)
    • Orange (Israel)
    • Orange (Kenya)
    • Orange (Poland)
    • Orange (Romania)
    • Orange (Senegal)
    • Orange (Slovakia)
    • Orange (Spain)
    • Orange (Switzerland)
    • Orange (Tunisia)
    • Pelephone (Israel)
    • Personal (Argentina)
    • Personal (Paraguay)
    • Play (Poland)
    • Plus (Poland)
    • Proximus (Belgium)
    • Reliance Communications (India)
    • Rogers Wireless (Canada)
    • Sabafon (Yemen)
    • Safaricom (Kenya)
    • SFR (France)
    • Si.mobil (Slovenia)
    • Singtel Mobile (Singapore)
    • SK Telecom (South Korea)
    • Smart Communications (Philippines)
    • Smartfren (Indonesia)
    • SmarTone (Hong Kong)
    • SoftBank Mobile (Japan)
    • Sonera (Finland)
    • Spark (New Zealand)
    • Sprint Nextel (US)
    • StarHub Mobile (Singapore)
    • STC (Saudi Arabia)
    • Sunrise (Switzerland)
    • Swisscom (Switzerland)
    • Taiwan Mobile (Taiwan)
    • Tata DOCOMO (India)
    • TDC (Denmark)
    • Telcel (Mexico)
    • Tele2 (Latvia)
    • Tele2 (Lithuania)
    • Tele2 (Norway)
    • Tele2 (Russia)
    • Tele2 (Sweden)
    • Telekom (Germany)
    • Telekom (Romania)
    • Telekom (Slovakia)
    • Telekom Slovenije (Slovenia)
    • Telenor (Bulgaria)
    • Telenor (Denmark)
    • Telenor (Hungary)
    • Telenor (Norway)
    • Telenor (Serbia)
    • Telenor (Sweden)
    • Telia (Denmark)
    • Telia (Sweden)
    • Telkom (South Africa)
    • Telkomsel (Indonesia)
    • Telstra (Australia)
    • Telus Mobility (Canada)
    • T-Hrvatski Telekom (Croatia)
    • Tigo (Bolivia)
    • Tigo (Colombia)
    • Tigo (El Salvador)
    • Tigo (Ghana)
    • Tigo (Guatemala)
    • Tigo (Honduras)
    • Tigo (Paraguay)
    • Tigo (Senegal)
    • Tigo (Tanzania)
    • TIM (Brazil)
    • TIM (Italy)
    • T-Mobile (Austria)
    • T-Mobile (Czech Republic)
    • T-Mobile (Netherlands)
    • T-Mobile (Poland)
    • T-Mobile (US)
    • True Move (Thailand)
    • Tunisie Télécom (Tunisia)
    • Turkcell (Turkey)
    • U.S. Cellular (US)
    • Unefon (Mexico)
    • Uninor (India)
    • Unitel (Angola)
    • Verizon Wireless (US)
    • VIBO (Taiwan)
    • Videocon (India)
    • Vietnamobile (Vietnam)
    • Viettel Mobile (Vietnam)
    • Vinaphone (Vietnam)
    • VIP (Croatia).
    • VIP (Serbia)
    • Visafone (Nigeria)
    • VIVA (Kuwait)
    • Vivacom (Bulgaria)
    • Vivo (Brazil)
    • Vodacom (South Africa)
    • Vodacom (Tanzania)
    • Vodafone (Australia)
    • Vodafone (Czech Republic)
    • Vodafone (Egypt)
    • Vodafone (Germany)
    • Vodafone (Ghana)
    • Vodafone (Greece)
    • Vodafone (Hungary)
    • Vodafone (India)
    • Vodafone (Ireland)
    • Vodafone (Italy)
    • Vodafone (Netherlands)
    • Vodafone (New Zealand)
    • Vodafone (Portugal)
    • Vodafone (Qatar)
    • Vodafone (Romania)
    • Vodafone (Spain)
    • Vodafone (Turkey)
    • Vodafone (UK)
    • WIND (Canada)
    • Wind (Italy)
    • WIND Hellas (Greece)
    • XL Axiata (Indonesia)
    • Y!Mobile (Japan)
    • Yoigo (Spain)
    • yuMobile (Kenya)
    • Zain (Kuwait)
    • Zain (Saudi Arabia)
    • Zain (Sudan)
    • Zantel (Tanzania)

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION

2.0 GROUP STRATEGY ANALYSIS

  • Total value and users of mobile payments worldwide, 2010 to 2014
  • Summary of strategic initiatives in insurance (excluding mobile phone and gadget insurance) of leading mobile telecoms groups, 2015
  • Summary of strategic initiatives in mobile phone and gadget insurance of leading mobile telecoms groups, 2015
  • Summary of strategic initiatives in assistance programs of leading mobile telecoms groups, 2015
  • Captive, sister and joint venture insurance partners owned by leading mobile telecoms groups, 2015
  • Strategic partnerships formed by leading mobile telecoms groups with external insurance and assistance companies, 2015

3.0 BRAND ANALYSIS

  • Mobile operator brands surveyed, segmented by geographical region, 2015
  • Mobile operator brands surveyed, weighted by subscriber numbers, segmented by geographical region, 2015
  • Multinational telecoms groups with five or more wholly- or partially-owned subsidiary brands covered by the research, 2015
  • Provision rates for each type of insurance and assistance product by mobile operator brands, 2015
  • Provision rates for mobile phone insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for mobile phone insurance by mobile operator brands, 2015
  • Provision rates for mobile gadget insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for mobile gadget insurance by mobile operator brands, 2015
  • Provision rates for bill payment protection insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for bill payment protection insurance by mobile operator brands, 2015
  • Provision rates for identity protection insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for identity protection insurance by mobile operator brands, 2015
  • Provision rates for motor insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for motor insurance by mobile operator brands, 2015
  • Provision rates for household insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for household insurance by mobile operator brands, 2015 40
  • Provision rates for travel insurance and assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for travel insurance and assistance by mobile operator brands, 2015
  • Provision rates for accident insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for accident insurance by mobile operator brands, 2015
  • Provision rates for health insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for health insurance by mobile operator brands, 2015
  • Provision rates for life insurance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for life insurance by mobile operator brands, 2015
  • Provision rates for home assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for home assistance by mobile operator brands, 2015
  • Provision rates for legal assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for legal assistance by mobile operator brands, 2015
  • Provision rates for medical assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for medical assistance by mobile operator brands, 2015
  • Provision rates for road assistance by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for road assistance by mobile operator brands, 2015
  • Provision rates for miscellaneous insurance and assistance products by mobile operator brands, segmented by geographical region, 2015
  • Weighted shares of competitor partnerships for miscellaneous insurance and assistance products by mobile operator brands, 2015
  • Operating models used by mobile operator brands for each type of insurance and assistance product, 2015
  • Operating models used by mobile operator brands for each type of insurance and assistance product, 2015 (table)
  • 2degrees (New Zealand): provision, operating models and partnerships for insurance and assistance
  • 3 (Austria): provision, operating models and partnerships for insurance and assistance
  • 3 (Hong Kong): provision, operating models and partnerships for insurance and assistance
  • 3 (Indonesia): provision, operating models and partnerships for insurance and assistance
  • 3 (Ireland): provision, operating models and partnerships for insurance and assistance
  • 3 (Italy): provision, operating models and partnerships for insurance and assistance
  • 3 (Sweden): provision, operating models and partnerships for insurance and assistance
  • 3 (UK): provision, operating models and partnerships for insurance and assistance
  • A1 (Austria): provision, operating models and partnerships for insurance and assistance
  • Aircel (India): provision, operating models and partnerships for insurance and assistance
  • airtel (Ghana): provision, operating models and partnerships for insurance and assistance
  • airtel (India): provision, operating models and partnerships for insurance and assistance
  • airtel (Kenya): provision, operating models and partnerships for insurance and assistance
  • airtel (Nigeria): provision, operating models and partnerships for insurance and assistance
  • airtel (Tanzania): provision, operating models and partnerships for insurance and assistance
  • airtel (Uganda): provision, operating models and partnerships for insurance and assistance
  • AIS (Thailand): provision, operating models and partnerships for insurance and assistance
  • Antel (Uruguay): provision, operating models and partnerships for insurance and assistance
  • APT - Asia Pacific Telecom (Taiwan): provision, operating models and partnerships for insurance and assistance
  • AT&T Mobility (US): provision, operating models and partnerships for insurance and assistance
  • au (Japan): provision, operating models and partnerships for insurance and assistance
  • Avea (Turkey): provision, operating models and partnerships for insurance and assistance
  • Bakrie Telecom (Indonesia): provision, operating models and partnerships for insurance and assistance87
  • BASE (Belgium): provision, operating models and partnerships for insurance and assistance
  • Beeline (Kazakhstan): provision, operating models and partnerships for insurance and assistance
  • Beeline (Russia): provision, operating models and partnerships for insurance and assistance
  • Bell Mobility (Canada): provision, operating models and partnerships for insurance and assistance
  • BH Mobile (Bosnia Herzegovina): provision, operating models and partnerships for insurance and assistance
  • Bouygues Télécom (France): provision, operating models and partnerships for insurance and assistance
  • BSNL (India): provision, operating models and partnerships for insurance and assistance
  • Cable & Wireless (Panama): provision, operating models and partnerships for insurance and assistance
  • Celcom (Malaysia): provision, operating models and partnerships for insurance and assistance
  • Cell C (South Africa): provision, operating models and partnerships for insurance and assistance
  • Cellcom (Israel): provision, operating models and partnerships for insurance and assistance
  • Ceria Mobile (Indonesia): provision, operating models and partnerships for insurance and assistance
  • China Mobile (China): provision, operating models and partnerships for insurance and assistance
  • China Telecom (China): provision, operating models and partnerships for insurance and assistance
  • China Unicom (China): provision, operating models and partnerships for insurance and assistance
  • Chunghwa Telecom (Taiwan): provision, operating models and partnerships for insurance and assistance
  • Claro (Argentina): provision, operating models and partnerships for insurance and assistance
  • Claro (Brazil): provision, operating models and partnerships for insurance and assistance
  • Claro (Chile): provision, operating models and partnerships for insurance and assistance
  • Claro (Colombia): provision, operating models and partnerships for insurance and assistance
  • Claro (Dominican Republic): provision, operating models and partnerships for insurance and assistance
  • Claro (Ecuador): provision, operating models and partnerships for insurance and assistance
  • Claro (El Salvador): provision, operating models and partnerships for insurance and assistance
  • Claro (Guatemala): provision, operating models and partnerships for insurance and assistance
  • Claro (Honduras): provision, operating models and partnerships for insurance and assistance
  • Claro (Nicaragua): provision, operating models and partnerships for insurance and assistance
  • Claro (Peru): provision, operating models and partnerships for insurance and assistance
  • COSMOTE (Greece): provision, operating models and partnerships for insurance and assistance
  • csl (Hong Kong): provision, operating models and partnerships for insurance and assistance
  • DiGi (Malaysia): provision, operating models and partnerships for insurance and assistance
  • Digi Mobil (Romania): provision, operating models and partnerships for insurance and assistance
  • Digicel (Haiti): provision, operating models and partnerships for insurance and assistance
  • Digicel (Jamaica): provision, operating models and partnerships for insurance and assistance
  • Digitel GSM (Venezuela): provision, operating models and partnerships for insurance and assistance 121
  • Djezzy (Algeria): provision, operating models and partnerships for insurance and assistance
  • DNA (Finland): provision, operating models and partnerships for insurance and assistance
  • DTAC (Thailand): provision, operating models and partnerships for insurance and assistance
  • du (UAE): provision, operating models and partnerships for insurance and assistance
  • EE (UK): provision, operating models and partnerships for insurance and assistance
  • Elisa (Finland): provision, operating models and partnerships for insurance and assistance
  • Entel (Bolivia): provision, operating models and partnerships for insurance and assistance
  • Entel (Chile): provision, operating models and partnerships for insurance and assistance
  • Entel (Peru): provision, operating models and partnerships for insurance and assistance
  • E-Plus (Germany): provision, operating models and partnerships for insurance and assistance
  • Etisalat (Egypt): provision, operating models and partnerships for insurance and assistance
  • Etisalat (Nigeria): provision, operating models and partnerships for insurance and assistance
  • Etisalat (UAE): provision, operating models and partnerships for insurance and assistance
  • Expresso (Senegal): provision, operating models and partnerships for insurance and assistance
  • Far Eas Tone (Taiwan): provision, operating models and partnerships for insurance and assistance
  • FITEL (Taiwan): provision, operating models and partnerships for insurance and assistance
  • Free (France): provision, operating models and partnerships for insurance and assistance
  • Geocell (Georgia): provision, operating models and partnerships for insurance and assistance
  • Glo (Ghana): provision, operating models and partnerships for insurance and assistance
  • Glo (Nigeria): provision, operating models and partnerships for insurance and assistance
  • Globe Telecom (Philippines): provision, operating models and partnerships for insurance and assistance
  • Gmobile (Vietnam): provision, operating models and partnerships for insurance and assistance
  • IAM (Morocco): provision, operating models and partnerships for insurance and assistance
  • Idea Cellular (India): provision, operating models and partnerships for insurance and assistance
  • Indosat (Indonesia): provision, operating models and partnerships for insurance and assistance
  • inwi (Morocco): provision, operating models and partnerships for insurance and assistance
  • Kcell (Kazakhstan): provision, operating models and partnerships for insurance and assistance
  • Kölbi (Costa Rica): provision, operating models and partnerships for insurance and assistance
  • KPN (Netherlands): provision, operating models and partnerships for insurance and assistance
  • KT (South Korea): provision, operating models and partnerships for insurance and assistance
  • Kyivstar (Ukraine): provision, operating models and partnerships for insurance and assistance
  • LG U+ (South Korea): provision, operating models and partnerships for insurance and assistance
  • life:) (Ukraine): provision, operating models and partnerships for insurance and assistance
  • LIME (Jamaica): provision, operating models and partnerships for insurance and assistance
  • LMT (Latvia): provision, operating models and partnerships for insurance and assistance
  • Loop Mobile (India): provision, operating models and partnerships for insurance and assistance
  • Iusacell (Mexico): provision, operating models and partnerships for insurance and assistance
  • m:tel (Bosnia Herzegovina): provision, operating models and partnerships for insurance and assistance
  • M1 (Singapore): provision, operating models and partnerships for insurance and assistance
  • MagtiCom (Georgia): provision, operating models and partnerships for insurance and assistance
  • Magyar Telekom (Hungary): provision, operating models and partnerships for insurance and assistance
  • Maxis (Malaysia): provision, operating models and partnerships for insurance and assistance
  • Méditel (Morocco): provision, operating models and partnerships for insurance and assistance
  • MegaFon (Russia): provision, operating models and partnerships for insurance and assistance
  • MEO (Portugal): provision, operating models and partnerships for insurance and assistance
  • Meteor (Ireland): provision, operating models and partnerships for insurance and assistance
  • MobiFone (Vietnam): provision, operating models and partnerships for insurance and assistance
  • Mobilis (Algeria): provision, operating models and partnerships for insurance and assistance
  • Mobily (Saudi Arabia): provision, operating models and partnerships for insurance and assistance
  • Mobinil (Egypt): provision, operating models and partnerships for insurance and assistance
  • Mobistar (Belgium): provision, operating models and partnerships for insurance and assistance
  • Movicel (Angola): provision, operating models and partnerships for insurance and assistance
  • Movilnet (Venezuela): provision, operating models and partnerships for insurance and assistance
  • Movistar (Argentina): provision, operating models and partnerships for insurance and assistance
  • Movistar (Chile): provision, operating models and partnerships for insurance and assistance
  • Movistar (Colombia): provision, operating models and partnerships for insurance and assistance
  • Movistar (Ecuador): provision, operating models and partnerships for insurance and assistance
  • Movistar (Guatemala): provision, operating models and partnerships for insurance and assistance
  • Movistar (Mexico): provision, operating models and partnerships for insurance and assistance
  • Movistar (Nicaragua): provision, operating models and partnerships for insurance and assistance
  • Movistar (Peru): provision, operating models and partnerships for insurance and assistance
  • Movistar (Spain): provision, operating models and partnerships for insurance and assistance
  • Movistar (Uruguay): provision, operating models and partnerships for insurance and assistance
  • Movistar (Venezuela): provision, operating models and partnerships for insurance and assistance
  • MPT (Myanmar): provision, operating models and partnerships for insurance and assistance
  • mt:s (Serbia): provision, operating models and partnerships for insurance and assistance
  • M-Tel (Bulgaria): provision, operating models and partnerships for insurance and assistance
  • MTN (Cameroon): provision, operating models and partnerships for insurance and assistance
  • MTN (Ghana): provision, operating models and partnerships for insurance and assistance
  • MTN (Nigeria): provision, operating models and partnerships for insurance and assistance
  • MTN (South Africa): provision, operating models and partnerships for insurance and assistance
  • MTN (Sudan): provision, operating models and partnerships for insurance and assistance
  • MTN (Uganda): provision, operating models and partnerships for insurance and assistance
  • MTN (Yemen): provision, operating models and partnerships for insurance and assistance
  • MTNL (India): provision, operating models and partnerships for insurance and assistance
  • MTS (India): provision, operating models and partnerships for insurance and assistance
  • MTS (Russia): provision, operating models and partnerships for insurance and assistance
  • MTS (Ukraine): provision, operating models and partnerships for insurance and assistance
  • Ncell (Nepal): provision, operating models and partnerships for insurance and assistance
  • Nepal Telecom (Nepal): provision, operating models and partnerships for insurance and assistance
  • NetCom (Norway): provision, operating models and partnerships for insurance and assistance
  • NEXTEL (Argentina): provision, operating models and partnerships for insurance and assistance
  • NEXTEL (Brazil): provision, operating models and partnerships for insurance and assistance
  • NEXTEL (Mexico): provision, operating models and partnerships for insurance and assistance
  • NOS (Portugal): provision, operating models and partnerships for insurance and assistance
  • NTT DOCOMO (Japan): provision, operating models and partnerships for insurance and assistance
  • O2 (Czech Republic): provision, operating models and partnerships for insurance and assistance
  • O2 (Germany): provision, operating models and partnerships for insurance and assistance
  • O2 (Ireland): provision, operating models and partnerships for insurance and assistance
  • O2 (Slovakia): provision, operating models and partnerships for insurance and assistance
  • O2 (UK): provision, operating models and partnerships for insurance and assistance
  • Oi (Brazil): provision, operating models and partnerships for insurance and assistance
  • Oman Mobile (Oman): provision, operating models and partnerships for insurance and assistance
  • Omnitel (Lithuania): provision, operating models and partnerships for insurance and assistance
  • Ooredoo (Algeria): provision, operating models and partnerships for insurance and assistance
  • Ooredoo (Kuwait): provision, operating models and partnerships for insurance and assistance
  • Ooredoo (Oman): provision, operating models and partnerships for insurance and assistance
  • Ooredoo (Qatar): provision, operating models and partnerships for insurance and assistance
  • Ooredoo (Tunisia): provision, operating models and partnerships for insurance and assistance
  • Optus Mobile (Australia): provision, operating models and partnerships for insurance and assistance
  • Orange (Cameroon): provision, operating models and partnerships for insurance and assistance
  • Orange (Dominican Republic): provision, operating models and partnerships for insurance and assistance
  • Orange (France): provision, operating models and partnerships for insurance and assistance
  • Orange (Israel): provision, operating models and partnerships for insurance and assistance
  • Orange (Kenya): provision, operating models and partnerships for insurance and assistance
  • Orange (Poland): provision, operating models and partnerships for insurance and assistance
  • Orange (Romania): provision, operating models and partnerships for insurance and assistance
  • Orange (Senegal): provision, operating models and partnerships for insurance and assistance
  • Orange (Slovakia): provision, operating models and partnerships for insurance and assistance
  • Orange (Spain): provision, operating models and partnerships for insurance and assistance
  • Orange (Switzerland): provision, operating models and partnerships for insurance and assistance
  • Orange (Tunisia): provision, operating models and partnerships for insurance and assistance
  • Pelephone (Israel): provision, operating models and partnerships for insurance and assistance
  • Personal (Argentina): provision, operating models and partnerships for insurance and assistance
  • Personal (Paraguay): provision, operating models and partnerships for insurance and assistance
  • Play (Poland): provision, operating models and partnerships for insurance and assistance
  • Plus (Poland): provision, operating models and partnerships for insurance and assistance
  • Proximus (Belgium): provision, operating models and partnerships for insurance and assistance
  • Reliance Communications (India): provision, operating models and partnerships for insurance and assistance
  • Rogers Wireless (Canada): provision, operating models and partnerships for insurance and assistance
  • Sabafon (Yemen): provision, operating models and partnerships for insurance and assistance
  • Safaricom (Kenya): provision, operating models and partnerships for insurance and assistance
  • SFR (France): provision, operating models and partnerships for insurance and assistance
  • Si.mobil (Slovenia): provision, operating models and partnerships for insurance and assistance
  • Singtel Mobile (Singapore): provision, operating models and partnerships for insurance and assistance
  • SK Telecom (South Korea): provision, operating models and partnerships for insurance and assistance
  • Smart Communications (Philippines): provision, operating models and partnerships for insurance and assistance
  • Smartfren (Indonesia): provision, operating models and partnerships for insurance and assistance
  • SmarTone (Hong Kong): provision, operating models and partnerships for insurance and assistance
  • SoftBank Mobile (Japan): provision, operating models and partnerships for insurance and assistance 251
  • Sonera (Finland): provision, operating models and partnerships for insurance and assistance
  • Spark (New Zealand): provision, operating models and partnerships for insurance and assistance
  • Sprint Nextel (US): provision, operating models and partnerships for insurance and assistance
  • StarHub Mobile (Singapore): provision, operating models and partnerships for insurance and assistance
  • STC (Saudi Arabia): provision, operating models and partnerships for insurance and assistance
  • Sunrise (Switzerland): provision, operating models and partnerships for insurance and assistance
  • Swisscom (Switzerland): provision, operating models and partnerships for insurance and assistance
  • Taiwan Mobile (Taiwan): provision, operating models and partnerships for insurance and assistance
  • Tata DOCOMO (India): provision, operating models and partnerships for insurance and assistance
  • TDC (Denmark): provision, operating models and partnerships for insurance and assistance
  • Telcel (Mexico): provision, operating models and partnerships for insurance and assistance
  • Tele2 (Latvia): provision, operating models and partnerships for insurance and assistance
  • Tele2 (Lithuania): provision, operating models and partnerships for insurance and assistance
  • Tele2 (Norway): provision, operating models and partnerships for insurance and assistance
  • Tele2 (Russia): provision, operating models and partnerships for insurance and assistance
  • Tele2 (Sweden): provision, operating models and partnerships for insurance and assistance
  • Telekom (Germany): provision, operating models and partnerships for insurance and assistance
  • Telekom (Romania): provision, operating models and partnerships for insurance and assistance
  • Telekom (Slovakia): provision, operating models and partnerships for insurance and assistance
  • Telekom Slovenije (Slovenia): provision, operating models and partnerships for insurance and assistance
  • Telenor (Bulgaria): provision, operating models and partnerships for insurance and assistance
  • Telenor (Denmark): provision, operating models and partnerships for insurance and assistance
  • Telenor (Hungary): provision, operating models and partnerships for insurance and assistance
  • Telenor (Norway): provision, operating models and partnerships for insurance and assistance
  • Telenor (Serbia): provision, operating models and partnerships for insurance and assistance
  • Telenor (Sweden): provision, operating models and partnerships for insurance and assistance
  • Telia (Denmark): provision, operating models and partnerships for insurance and assistance
  • Telia (Sweden): provision, operating models and partnerships for insurance and assistance
  • Telkom (South Africa): provision, operating models and partnerships for insurance and assistance
  • Telkomsel (Indonesia): provision, operating models and partnerships for insurance and assistance
  • Telstra (Australia): provision, operating models and partnerships for insurance and assistance
  • Telus Mobility (Canada): provision, operating models and partnerships for insurance and assistance
  • T-Hrvatski Telekom (Croatia): provision, operating models and partnerships for insurance and assistance
  • Tigo (Bolivia): provision, operating models and partnerships for insurance and assistance
  • Tigo (Colombia): provision, operating models and partnerships for insurance and assistance
  • Tigo (El Salvador): provision, operating models and partnerships for insurance and assistance
  • Tigo (Ghana): provision, operating models and partnerships for insurance and assistance
  • Tigo (Guatemala): provision, operating models and partnerships for insurance and assistance
  • Tigo (Honduras): provision, operating models and partnerships for insurance and assistance
  • Tigo (Paraguay): provision, operating models and partnerships for insurance and assistance
  • Tigo (Senegal): provision, operating models and partnerships for insurance and assistance
  • Tigo (Tanzania): provision, operating models and partnerships for insurance and assistance
  • TIM (Brazil): provision, operating models and partnerships for insurance and assistance
  • TIM (Italy): provision, operating models and partnerships for insurance and assistance
  • T-Mobile (Austria): provision, operating models and partnerships for insurance and assistance
  • T-Mobile (Czech Republic): provision, operating models and partnerships for insurance and assistance
  • T-Mobile (Netherlands): provision, operating models and partnerships for insurance and assistance
  • T-Mobile (Poland): provision, operating models and partnerships for insurance and assistance
  • T-Mobile (US): provision, operating models and partnerships for insurance and assistance
  • True Move (Thailand): provision, operating models and partnerships for insurance and assistance
  • Tunisie Télécom (Tunisia): provision, operating models and partnerships for insurance and assistance 302
  • Turkcell (Turkey): provision, operating models and partnerships for insurance and assistance
  • U.S. Cellular (US): provision, operating models and partnerships for insurance and assistance
  • Unefon (Mexico): provision, operating models and partnerships for insurance and assistance
  • Uninor (India): provision, operating models and partnerships for insurance and assistance
  • Unitel (Angola): provision, operating models and partnerships for insurance and assistance
  • Verizon Wireless (US): provision, operating models and partnerships for insurance and assistance
  • VIBO (Taiwan): provision, operating models and partnerships for insurance and assistance
  • Videocon (India): provision, operating models and partnerships for insurance and assistance
  • Vietnamobile (Vietnam): provision, operating models and partnerships for insurance and assistance
  • Viettel Mobile (Vietnam): provision, operating models and partnerships for insurance and assistance
  • Vinaphone (Vietnam): provision, operating models and partnerships for insurance and assistance
  • VIP (Croatia): provision, operating models and partnerships for insurance and assistance
  • VIP (Serbia): provision, operating models and partnerships for insurance and assistance
  • Visafone (Nigeria): provision, operating models and partnerships for insurance and assistance
  • VIVA (Kuwait): provision, operating models and partnerships for insurance and assistance
  • Vivacom (Bulgaria): provision, operating models and partnerships for insurance and assistance
  • Vivo (Brazil): provision, operating models and partnerships for insurance and assistance
  • Vodacom (South Africa): provision, operating models and partnerships for insurance and assistance
  • Vodacom (Tanzania): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Australia): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Czech Republic): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Egypt): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Germany): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Ghana): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Greece): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Hungary): provision, operating models and partnerships for insurance and assistance
  • Vodafone (India): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Ireland): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Italy): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Netherlands): provision, operating models and partnerships for insurance and assistance
  • Vodafone (New Zealand): provision, operating models and partnerships for insurance and assistance 333
  • Vodafone (Portugal): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Qatar): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Romania): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Spain): provision, operating models and partnerships for insurance and assistance
  • Vodafone (Turkey): provision, operating models and partnerships for insurance and assistance
  • Vodafone (UK): provision, operating models and partnerships for insurance and assistance
  • WIND (Canada): provision, operating models and partnerships for insurance and assistance
  • Wind (Italy): provision, operating models and partnerships for insurance and assistance
  • WIND Hellas (Greece): provision, operating models and partnerships for insurance and assistance
  • XL Axiata (Indonesia): provision, operating models and partnerships for insurance and assistance
  • Y!Mobile (Japan): provision, operating models and partnerships for insurance and assistance
  • Yoigo (Spain): provision, operating models and partnerships for insurance and assistance
  • yuMobile (Kenya): provision, operating models and partnerships for insurance and assistance
  • Zain (Kuwait): provision, operating models and partnerships for insurance and assistance
  • Zain (Saudi Arabia): provision, operating models and partnerships for insurance and assistance
  • Zain (Sudan): provision, operating models and partnerships for insurance and assistance
  • Zantel (Tanzania): provision, operating models and partnerships for insurance and assistance
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