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Abstract
With a huge population base and large untapped market, insurance industry is a
big opportunity area in India for national as well as foreign investors. India
is the fifth largest life insurance market in the emerging insurance economies
globally and is growing at 32-34% annually. This impressive growth in the
market has been driven by liberalization, with new players significantly
enhancing product awareness and promoting consumer education and information.
The strong growth potential of the country has also made international players
to look at the Indian insurance market. Moreover, saturation of insurance
markets in many developed economies has made the Indian market more attractive
for international insurance players, according to "Booming Insurance Market in
India (2008-2011)".
This research report will help the client to analyze the leading-edge
opportunities critical to the success of insurance industry in India. Based on
this analysis, the report gives a future forecast of the market that is
intended as a rough guide to the direction in which the market is likely to
move.
Research Findings
- Total life insurance premium in India is projected to grow Rs 1,230,000
Crore by 2010-11.
- Total non-life insurance premium is expected to increase at a CAGR of 25%
for the period spanning from 2008-09 to 2010-11.
- With the entry of several low-cost airlines, along with fleet expansion by
existing ones and increasing corporate aircraft ownership, the Indian aviation
insurance market is all set to boom in a big way in coming years.
- Home insurance segment is set to achieve a 100% growth as financial
institutions have made home insurance obligatory for housing loan approvals.
- Health insurance is poised to become the second largest business for
non-life insurers after motor insurance in next three years.
- A booming life insurance market has propelled the Indian life insurance
agents into the ‘top 10 country list' in terms of membership to the
Million Dollar Round Table (MDRT) - an exclusive club for the highest
performing life insurance agents.
Key Issues & Facts Analyzed in the Report
- Where does India stands in context of emerging countries?
- How the insurance market is likely to move in near future?
- What are key factors fueling growth into the Indian insurance market?
- What are the growing insurance segments in India?
- What are various opportunity areas in the market?
- What are the key issues that need to be addressed?
- What is the status of microinsurance and rural insurance in India?
- What initiatives the government is taking to promote the Indian insurance
market?
Key Players
The major players discussed in the report include LIC, Bajaj Allianz and HDFC
Standard under life insurance segments, and New India, United India and ICICI
Lombard under non-life insurance segments.
Research Methodology Used
Information Sources
Information has been sourced from books, newspapers, trade journals and white
papers, industry portals, government agencies, trade associations, monitoring
industry news and developments, and through access to more than 3000 paid
databases.
Analysis Methods
The analysis methods used for judgmental analysis in the report include ratio
analysis, historical trend analysis, linear regression analysis using software
tools, judgmental forecasting, and cause and effect analysis.
Table of Contents
1. Analyst View
2. Emerging Insurance Markets
- 2.1 Life Insurance
- 2.2 Non-life Insurance
3. India - Attractive Destination for Insurance Investment
- 3.1 Economic Stability
- 3.2 Insurance Penetration
- 3.3 Semi-urban & Rural Markets
- 3.4 Urbanization
- 3.5 Growing Population
- 3.6 Disposable Income
- 3.7 Saving Tendency
- 3.8 Awareness Level
- 3.9 Developed Countries Reaching Saturation
- 3.10 Government Initiatives
4. Market Performance
- 4.1 Life Insurance
- 4.1.1 By Products
- 4.1.2 By Segments
- 4.1.3 By Distribution Channels
- 4.2 Non-life Insurance
- 4.2.1 Motor
- 4.2.2 Fire
- 4.2.3 Health
- 4.2.4 Marine
- 4.2.5 Engineering
- 4.2.6 Personal Accidents
- 4.2.7 Liability
- 4.2.8 Aviation
- 4.2.9 Others
- 4.2.9.1 Travel
- 4.2.9.2 Credit
- 4.2.9.3 Home
5. Growth Prospects
- 5.1 Takaful Insurance
- 5.2 TPA
- 5.3 Insurance BPOs
- 5.4 Pension & Provident Funds
- 5.5 Pharmaceutical Market
- 5.6 Banking Industry
- 5.7 IT Sector
6. Growth Hurdles
- 6.1 Claims
- 6.2 Policy Lapsation Rate
- 6.3 Agent Attrition
- 6.4 Changing Market Demand
- 6.5 Unpredictable Climatic Conditions
7. Rural Insurance
8. Microinsurance
- 8.1 Performance
- 8.2 Recent Products & Developments
- 8.3 Government Initiatives
- 8.4 Key Microinsurance Institutions
- 8.4.1 Yeshasvini
- 8.4.2 Spandana
- 8.4.3 SEWA
- 8.5 Scope
- 8.6 Growth Hurdles
9. Future Outlook (2008-09 to 2010-11)
- 9.1 Life Insurance
- 9.2 Non-life Insurance
10. Key Industry Contributors
- 10.1 Life Insurance
- 10.1.1 LIC
- 10.1.2 Bajaj Allianz
- 10.1.3 ICICI Prudential
- 10.1.4 HDFC Standard
- 10.1.5 SBI Life
- 10.2 Non-life Insurance
- 10.2.1 New India
- 10.2.2 National Insurance
- 10.2.3 Oriental
- 10.2.4 United India
- 10.2.5 ICICI Lombard
List of Figures:
- Figure 2-1: Emerging Markets - Life & Non-life Insurance Premium (in
Million US$), 2004 & 2005
- Figure 2-2: Emerging Markets - Non-life Insurance Premium by Country (%),
2005
- Figure 3-1: India - Gross Domestic Product (in Billion US$), 2001-2006
- Figure 3-2: India - Forecast for Gross Domestic Product (in Billion US$),
2007-2011
- Figure 3-3: India - Life Insurance Penetration (%), 1990-91, 2005 & 2006-07
- Figure 3-4: India - Share of Rural & Urban Population (%), 2005 & 2030F
- Figure 3-5: India & China - Growth in Population (in Billion), 2000 to
2050F
- Figure 3-6: India - Disposable Income (in US$/Head), 2001-2007E
- Figure 3-7: India - Forecast for Disposable Income (in US$/Head), 2008-2011
- Figure 3-8: India - Comparative Household Savings as a Share of Gross
National Savings Rate (%), 2005
- Figure 3-9: India - Employment (in Million), 2001-2007E
- Figure 3-10: India - Forecast for Employment (in Million), 2008-2011
- Figure 4-1: India - Life Insurance Premium (in ‘000 Crore Rs),
2003-04 to 2007-08E
- Figure 4-2: India - Life Insurance Premium by Regular, Single & Renewal
Premium (%), 2006-07
- Figure 4-3: India - LIC & Private Life Insurers by Premium (%), 2004-05 to
2006-07
- Figure 4-4: India - Share of Unit-linked & Non-linked Life Insurance
Underwritten Premium (%), 2005-06 & 2006-07
- Figure 4-5: India - Share of LIC & Private Life Insurers in Unit-linked &
Non-linked Life Insurance Products (%), 2006-07
- Figure 4-6: India - Breakup of Life Insurance Underwritten Premium (%),
2006-07
- Figure 4-7: India - Breakup of LIC Underwritten Premium (%), 2006-07
- Figure 4-8: India - Breakup of Private Life Insurers Underwritten Premium
(%), 2006-07
- Figure 4-9: India - New Underwritten Life Premium of LIC by Distribution
Channel (%), 2005-06
- Figure 4-10: India - New Underwritten Life Premium of Private Life
Insurers by Distribution Channel (%), 2005-06
- Figure 4-11: India - Share of Key Insurance Players on MDRT (%), 2006
- Figure 4-12: India - Gross Non-life Insurance Direct Premium of Public
Insurers (in Crore Rs), 2000-01 to 2006-07
- Figure 4-13: India - Gross Non-life Insurance Direct Premium for Public
Sector by Company (%), 2006-07
- Figure 4-14: India - Gross Non-life Insurance Direct Premium of Private
Insurers (in Crore Rs), 2000-01 to 2006-07
- Figure 4-15: India - Gross Non-life Insurance Direct Premium for Private
Sector by Company (%), 2006-07
- Figure 4-16: India - Penetration of Private Insurers in Non-life Insurance
Market (%), 2000-01 to 2006-07 & Q1 2007-08
- Figure 4-17: India - Non-Life Insurance Premium by Sector (%), 2005-06
- Figure 4-18: India - Motor Insurance Gross Premium (in Crore Rs), 2004-05
& 2005-06
- Figure 4-19: India - Number of New Cars Registration (in ‘000),
2001-2007E
- Figure 4-20: India - Forecast for Number of New Cars Registration (in
‘000), 2008-2011
- Figure 4-21: India - Number of Commercial Vehicles Registration (in
‘000), 2001-2007E
- Figure 4-22: India - Forecast for Number of Commercial Vehicles
Registration (in ‘000), 2008-2011
- Figure 4-23: India - Fire Insurance Underwritten Premium (in Crore Rs),
2004-05 & 2005-06
- Figure 4-24: India - Health Insurance Premium (in Crore Rs), 2001-02 &
2006-07
- Figure 4-25: India - Share of Private Health Insurers (%), 2005-06 &
2006-07
- Figure 4-26: India - Health Insurance Premium (in Crore Rs), 2007E & 2015F
- Figure 4-27: India - Marine Insurance Underwritten Premium (in Crore Rs),
2004-05 & 2005-06
- Figure 4-28: India - Number of Road Accidents (in ‘000), 2001-2005P
- Figure 4-29: India - Number of Persons Killed & Injured in Road Accidents
(2001-2005P)
- Figure 4-30: India - Fleet of Aircrafts (in Number), 2007E & 2010F
- Figure 4-31: India - Number of Outbound Tourists (in Million), 2001-2007E
- Figure 4-32: India - Forecast for Number of Outbound Tourists (in
Million), 2008-2011
- Figure 4-33: India - Lending by Financial Institutions (in Billion US$),
2001-2007E
- Figure 4-34: India - Forecast for Lending by Financial Institutions (in
Billion US$), 2008-2011
- Figure 5-1: India - Medical Equipment Market (in Billion US$), 2006, 2009F
& 2012F
- Figure 5-2: India - Life Insurance Business Procured through Banks (%),
2005-06
- Figure 5-3: India - IT Spending by Banking & Financial Institutions (in
Billion US$), 2007E & 2010F
- Figure 6-1: India - Claims Paid by Life Insurers (in Crore Rs), 2004-05 &
2005-06
- Figure 6-2: India - Claims Paid by Private Life Insurers (in Crore Rs),
2004-05 & 2005-06
- Figure 6-3: India - Incurred Claim Ratio of Public Sector Non-life
Insurers (%), 2004-05 & 2005-06
- Figure 8-1: India - Share of Organizations Providing Microinsurance (%),
May 2005
- Figure 8-2: India - Number of Microinsurance Schemes Developed in
Partnership with Public & Private Insurance Companies (May 2005)
- Figure 8-3: India - Level of Experience for Microinsurance Schemes (%),
May 2005
- Figure 8-4: India - Share of Rural & Urban Area in Microinsurance (%), May
2005
- Figure 8-5: India - Microinsurance by State (%), May 2005
- Figure 8-6: India - Microinsurance Schemes by Type (in Number), May 2005
- Figure 8-7: India - Distribution of Coverage Provided under Microinsurance
Schemes (in Number), May 2005
- Figure 9-1: India - Forecast for Life Insurance Premium (in ‘000
Crore Rs), 2008-09 to 2010-11
- Figure 9-2: India - Forecast for Non-life Insurance Premium (in Crore Rs),
2008-09 to 2010-11
List of Tables:
- Table 2-1: Emerging Markets - Top Ten Life Insurance Markets by Premium
(in Million US$), 2005
- Table 2-2: Emerging Markets - Top Ten Non-life Insurance Markets by
Premium (in Million US$), 2005
- Table 4-1: India - Number of Registered Insurers by Sector (Sep 2007)
- Table 4-2: India - Top Countries on MDRT by Registered Membership, 2006
- Table 4-3: India - Gross Non-life Insurance Premium by Private Insurer (in
Crore Rs), Apr-Aug 2006 & Apr-Aug 2007
- Table 4-4: India - Key Insurers offering Marine Insurance, 2006
- Table 4-5: India - NPA by Type of Bank (in Crore Rs), 2003-04 to 2005-06
- Table 6-1: India - Number of Lapsed Individual Life Insurance Policies of
Non-linked Business (2005-06)
- Table 8-1: India - List of Microinsurance Organizations, 2005
- Table 10-1: Bajaj Allianz - Key Financials (in Crore Rs), 2003-04 to
2006-07
- Table 10-2: HDFC Standard - Key Financials (in Crore Rs), 2006-07
- Table 10-3: New India - Key Financials (in Crore Rs), 2000-01 to 2004-05
- Table 10-4: National Insurance - Key Financials (in Crore Rs), 2002-03 to
2006-07
- Table 10-5: Oriental - Key Financials (in Lakh Rs), 2002-03 to 2006-07
- Table 10-6: United India - Key Financials (in Crore Rs), 2002-03 to 2006-07
- Table 10-7: ICICI Lombard - Key Financials (in Million Rs), 2005-06 &
2006-07
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