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市場調查報告書

英國的個人意外險及健康保險市場:主要趨勢和今後的市場機會

Personal Accident and Health Insurance in the UK, Key Trends and Opportunities to 2019

出版商 Timetric 商品編碼 308599
出版日期 內容資訊 英文 134 Pages
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英國的個人意外險及健康保險市場:主要趨勢和今後的市場機會 Personal Accident and Health Insurance in the UK, Key Trends and Opportunities to 2019
出版日期: 2015年11月30日 內容資訊: 英文 134 Pages
簡介

英國的個人意外險及健康保險市場,在全球經濟危機、歐洲債務危機伴隨的消費者投資考量低迷中仍順利成長,2009∼2013年的年複合成長率(CAGR)達了3.8%。2013年的市場成長率(總保費收入為基礎)達到3.8%。海外旅客的增加和醫療費用支出的增加,景氣復甦,對政府管轄的醫療保險制度的不滿,對個人意外險及健康保險優點的認識改善等,為市場成長的主要原因。今後也因每人可支配所得的增加和高齡化發展等,預期將持續市場擴大趨勢。預測期間(2013∼2018年)的年複合成長率預計為2.3%。

本報告提供英國的個人意外險及健康保險市場最新趨勢與未來展望相關分析、與其他歐洲各國市場的比較,及各部門的市場規模(過去、今後5年份)、各銷售管道的市場規模、產業的競爭力再保險市場、主要企業概要(主要資料、財務實際成果等)的資訊。

第1章 摘要整理

第2章 簡介

  • 本報告概要
  • 定義
  • 分析方法

第3章 地區市場動向

  • 概要
  • 市場趨勢
  • 市場規模

第4章 個人意外險及健康保險市場:域內各國的比較

  • 市場規模與普及率
    • 整體市場的總保費收入
    • 每人保險費
    • 個人意外險及健康保險的普及率(佔GDP比率)
  • 成長率
    • 總保費收入
    • 每人總保費收入
  • 效率性和風險
    • 賠付率
    • 每人已發生損失
    • 已發生損失佔GDP比率
  • 流通管道
    • 直銷
    • 銀行保險
    • 代理店銷售

第5章 英國的保險產業吸引力

  • 保險產業的市場規模(總計10年份)
  • 產業的主要趨勢與推動因素
  • 課題
  • 近幾年的市場動向

第6章 個人意外險及健康保險市場預測

  • 消費者的分類
  • 商品、行銷策略
  • 各分類的成長預測
    • 個人意外險
    • 旅遊保險
    • 健康保險

第7章 各銷售管道分析

  • 直銷
  • 銀行保險
  • 代理店
  • 電子商務
  • 仲介
  • 其他的途徑

第8章 波特的五力分析:英國的個人意外險及健康保險產業

  • 供應商談判力:低∼中
  • 買主的購買力:高
  • 進入障礙:低
  • 同業間的競爭:中
  • 替代產品的威脅:中

第9章 再保險市場成長動態與課題

  • 再保險市場規模
  • 再保險市場規模:各保險種類

第10章 治理、風險、合規性

  • 相關法規的概要與到現在為止的轉變
  • 相關法規和市場慣例:各保險種類
  • 強制保險
  • 監督、管理體制
  • 未認證保險的法規趨勢
  • 企業的登記和經營
  • 課稅
  • 法制度

第11章 競爭環境與策略性考察

  • 概要
  • 英國的個人意外險及健康保險產業的主要企業
  • Bupa Ltd
  • Axa UK Plc
  • Aviva Plc
  • Simplyhealth Group Ltd
  • Prudential Health
  • AIG Europe Ltd
  • Great Lakes Reinsurance (UK) Plc
  • Western Provident Association Ltd
  • Cigna Life Insurance Company of Europe
  • Direct Line Insurance Group Plc

第12章 經濟環境與國家風險

  • 景氣
  • 經濟實際成果
  • 基礎設施
  • 人力資源
  • 人口組成

第13章 附錄

圖表一覽

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目錄
Product Code: IS1051MR

Timetric's 'Personal Accident and Health Insurance in the UK, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers, challenges in the UK personal accident and health insurance segment.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (2010-2014) and forecast period (2014-2019).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the UK economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary

Timetric's ' Personal Accident and Health Insurance in the UK, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the UK personal accident and health insurance segment, including:

  • The UK personal accident and health insurance segment's growth prospects by insurance category
  • Key trends, drivers and challenges for the personal accident and health insurance segment
  • A comprehensive overview of the UK economy and demographics
  • Analysis of distribution channels in the UK personal accident and health insurance segment
  • The competitive landscape in the UK personal accident and health insurance segment
  • Details of regulatory policy applicable to the UK insurance industry

Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in the UK:

  • It provides historical values for the UK personal accident and health insurance segment for the report's 2010-2014 review period, and projected figures for the 2014-2019 forecast period.
  • It offers a detailed analysis of the key categories in the UK personal accident and health insurance segment, and market forecasts to 2019.
  • Analysis of various distribution channels for personal accident and health insurance products in the UK.
  • It profiles the top personal accident and health insurance companies in the UK, and outlines the key regulations affecting them.

Reasons To Buy

  • Make strategic business decisions using in-depth historic and forecast market data related to the UK personal accident and health insurance segment, and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the UK personal accident and health insurance segment.
  • Assess the competitive dynamics in the personal accident and health insurance segment.
  • Identify growth opportunities and market dynamics in key product categories.
  • Gain insights into key regulations governing the UK insurance industry, and their impact on companies and the industry's future.

Table of Contents

1. Key Facts and Highlights

2. Executive Summary

3. Introduction

  • 3.1. What is this Report About?
  • 3.2. Definitions
  • 3.3. Methodology

4. Economy and Demographics

5. Personal Accident and Health Insurance Segment Outlook

  • 5.1. Key Drivers
  • 5.2. Key Trends
  • 5.3. Challenges
  • 5.4. Personal Accident and Health Insurance Growth Prospects by Category
    • 5.4.1. Personal accident insurance
    • 5.4.2. Travel insurance
    • 5.4.3. Health insurance

6. Analysis by Distribution Channel

7. Competitive Landscape and Strategic Insights

  • 7.1. Overview
  • 7.2. Leading Companies in the UK Personal Accident and Health Insurance Segment
  • 7.3. Bupa Ltd - company overview
  • 7.4. Axa UK Plc - company overview
  • 7.5. Aviva Plc - company overview
  • 7.6. SimplyHealth Group Ltd - company overview
  • 7.7. Cigna Life Insurance Company of Europe - company overview
  • 7.8. Discovery Holdings Ltd - company overview
  • 7.9. AIG Europe Ltd - company overview
  • 7.1. Direct Line Insurance Group plc - company overview
  • 7.11. Ageas Insurance Ltd - company overview
  • 7.12. National Farmers Union Mutual Insurance Society Ltd - company overview

8. Governance, Risk and Compliance

  • 8.1. Legislation Overview and Historical Evolution
  • 8.2. Latest Regulatory Changes
  • 8.3. Legislation and Market Practice by Type of Insurance
    • 8.3.1. Life insurance
    • 8.3.2. Property insurance
    • 8.3.3. Motor insurance
    • 8.3.4. Liability insurance
    • 8.3.5. Marine, aviation and transit insurance
    • 8.3.6. Personal accident and health insurance
  • 8.4. Compulsory Insurance
    • 8.4.1. Employer's liability insurance
    • 8.4.2. Motor third-party liability insurance
    • 8.4.3. Merchant shipping compulsory insurance
    • 8.4.4. National Insurance Scheme
    • 8.4.5. Professional indemnity insurance
  • 8.5. Supervision and Control
    • 8.5.1. International Association of Insurance Supervisors
    • 8.5.2. European Insurance and Occupational Pensions Authority
    • 8.5.3. Prudential Regulation Authority
    • 8.5.4. Financial Conduct Authority
  • 8.6. Non-Admitted Insurance Regulations
    • 8.6.1. Overview
    • 8.6.2. Intermediaries
    • 8.6.3. Market practices
    • 8.6.4. Fines and penalties
  • 8.7. Company Registration and Operations
    • 8.7.1. Types of insurance organization
    • 8.7.2. Establishing a local company
    • 8.7.3. Foreign ownership
    • 8.7.4. Types of license
    • 8.7.5. Capital requirements
    • 8.7.6. Solvency margins
    • 8.7.7. Reserve requirements
    • 8.7.8. Investment regulations
    • 8.7.9. Statutory return requirements
    • 8.7.10. Fee structure
  • 8.8. Taxation
    • 8.8.1. Insurance premium or policy taxation
    • 8.8.2. Withholding taxes on premium paid overseas
    • 8.8.3. Corporate tax
    • 8.8.4. VAT
    • 8.8.5. Captives
  • 8.9. Legal System
    • 8.9.1. Introduction
    • 8.9.2. Access to court
    • 8.9.3. Alternative dispute resolution (ADR)

9. Appendix

  • 9.1. Methodology
  • 9.2. Contact Timetric
  • 9.3. About Timetric
  • 9.4. Timetric's Services
  • 9.5. Disclaimer

List of Tables

  • Table 1: UK Personal Accident and Health Insurance - Key Facts, 2014
  • Table 2: Insurance Industry Definitions
  • Table 3: UK Government Credit Ratings
  • Table 4: UK Personal Accident and Health Insurance - Gross Written Premium by Category (GBP Billion), 2010-2014
  • Table 5: UK Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2010-2014
  • Table 6: UK Personal Accident and Health Insurance - Gross Written Premium by Category (GBP Billion), 2014-2019
  • Table 7: UK Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2014-2019
  • Table 8: UK Personal Accident and Health Insurance - Direct Written Premium by Category (GBP Billion), 2010-2014
  • Table 9: UK Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2010-2014
  • Table 10: UK Personal Accident and Health Insurance - Direct Written Premium by Category (GBP Billion), 2014-2019
  • Table 11: UK Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2014-2019
  • Table 12: UK Personal Accident and Health Insurance - Net Earned Premium (GBP Billion), 2010-2014
  • Table 13: UK Personal Accident and Health Insurance - Net Earned Premium (GBP Billion), 2014-2019
  • Table 14: UK Personal Accident and Health Insurance - Paid Claims by Category (GBP Billion), 2010-2014
  • Table 15: UK Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2010-2014
  • Table 16: UK Personal Accident and Health Insurance - Paid Claims by Category (GBP Billion), 2014-2019
  • Table 17: UK Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2014-2019
  • Table 18: UK Personal Accident and Health Insurance - Incurred Loss by Category (GBP Billion), 2010-2014
  • Table 19: UK Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2010-2014
  • Table 20: UK Personal Accident and Health Insurance - Incurred Loss by Category (GBP Billion), 2014-2019
  • Table 21: UK Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2014-2019
  • Table 22: UK Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
  • Table 23: UK Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
  • Table 24: UK Personal Accident and Health Insurance - Commission and Expenses (GBP Billion), 2010-2014
  • Table 25: UK Personal Accident and Health Insurance - Commission and Expenses (GBP Billion), 2014-2019
  • Table 26: UK Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
  • Table 27: UK Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
  • Table 28: UK Personal Accident and Health Insurance - Total Assets (GBP Billion), 2010-2014
  • Table 29: UK Personal Accident and Health Insurance - Total Assets (GBP Billion), 2014-2019
  • Table 30: UK Personal Accident and Health Insurance - Total Investment Income (GBP Million), 2010-2014
  • Table 31: UK Personal Accident and Health Insurance - Total Investment Income (GBP Million), 2014-2019
  • Table 32: UK Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2010-2014
  • Table 33: UK Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2014-2019
  • Table 34: UK Personal Accident Insurance - Direct Written Premium (GBP Billion), 2010-2014
  • Table 35: UK Personal Accident Insurance - Direct Written Premium (GBP Billion), 2014-2019
  • Table 36: UK Personal Accident Insurance - Loss Ratio (%), 2010-2014
  • Table 37: UK Personal Accident Insurance - Loss Ratio (%), 2014-2019
  • Table 38: UK Travel Insurance - Direct Written Premium (GBP Billion), 2010-2014
  • Table 39: UK Travel Insurance - Direct Written Premium (GBP Billion), 2014-2019
  • Table 40: UK Travel Insurance - Loss Ratio (%), 2010-2014
  • Table 41: UK Travel Insurance - Loss Ratio (%), 2014-2019
  • Table 42: UK Health Insurance - Direct Written Premium (GBP Billion), 2010-2014
  • Table 43: UK Health Insurance - Direct Written Premium (GBP Billion), 2014-2019
  • Table 44: UK Health Insurance - Paid Claims (GBP Billion), 2010-2014
  • Table 45: UK Health Insurance - Paid Claims (GBP Billion), 2014-2019
  • Table 46: UK Health Insurance - Loss Ratio (%), 2010-2014
  • Table 47: UK Health Insurance - Loss Ratio (%), 2014-2019
  • Table 48: UK Personal Accident and Health Insurance Segment - Leading Insurers, 2014
  • Table 49: Axa UK Plc - Key Facts
  • Table 50: Aviva Plc - Key Facts
  • Table 51: SimplyHealth Group Ltd - Key Facts
  • Table 52: Cigna Life Insurance Company of Europe - Key Facts
  • Table 53: Vitality Health Ltd - Key Facts
  • Table 54: AIG Europe Ltd - Key Facts
  • Table 55: Direct Line Insurance Group Plc - Key Facts
  • Table 56: Ageas Insurance Ltd - Key Facts
  • Table 57: National Farmers Union Mutual Insurance Society Ltd - Key Facts
  • Table 58: The UK - Insurance Regulatory Framework Key Features
  • Table 59: The UK - Life Insurance Regulatory Framework
  • Table 60: The UK - Property Insurance Regulatory Framework
  • Table 61: The UK - Motor Insurance Regulatory Framework
  • Table 62: The UK - Liability Insurance Regulatory Framework
  • Table 63: The UK - Benefits Under National Insurance Scheme
  • Table 64: The UK - Capital Requirements for Long-term Insurers
  • Table 65: The UK - Capital Requirements for General Insurers
  • Table 66: The UK - Corporate Tax Rates for the Financial Year 2015
  • Table 67: The UK - VAT Rates in UK for Insurance Products

List of Figures

  • Figure 1: UK GDP - Contribution by Sector (%), Value Added in 2014
  • Figure 2: UK Real GDP (GBP Trillion), 2010-2019
  • Figure 3: UK Current Account Balance as Percentage of GDP (%), 2010-2019
  • Figure 4: UK Consumer Price Inflation, 2010-2019
  • Figure 5: GBP-US$ Exchange Rate, 2010-2019
  • Figure 6: UK Unemployment Rate (%), 2010-2019
  • Figure 7: UK Population by Age Group, 1991-2025
  • Figure 8: UK Personal Accident and Health Insurance - Gross Written Premium by Category (GBP Billion), 2010-2019
  • Figure 9: UK Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2014 and 2019
  • Figure 10: UK Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019
  • Figure 11: UK Personal Accident and Health Insurance - Direct Written Premium by Category (GBP Billion), 2010-2019
  • Figure 12: UK Personal Accident and Health Insurance - Direct Written Premium by Category (% Share), 2014 and 2019
  • Figure 13: UK Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019
  • Figure 14: UK Personal Accident and Health Insurance - Net Earned Premium (GBP Billion), 2010-2014
  • Figure 15: UK Personal Accident and Health Insurance - Net Earned Premium (GBP Billion), 2014-2019
  • Figure 16: UK Personal Accident and Health Insurance - Paid Claims by Category (GBP Billion), 2010-2019
  • Figure 17: UK Personal Accident and Health Insurance - Incurred Loss by Category (GBP Billion), 2010-2019
  • Figure 18: UK Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
  • Figure 19: UK Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
  • Figure 20: UK Personal Accident and Health Insurance - Commission and Expenses (GBP Billion), 2010-2014
  • Figure 21: UK Personal Accident and Health Insurance - Commission and Expenses (GBP Billion), 2014-2019
  • Figure 22: UK Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
  • Figure 23: UK Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
  • Figure 24: UK Personal Accident and Health Insurance - Total Assets (GBP Billion), 2010-2014
  • Figure 25: UK Personal Accident and Health Insurance - Total Assets (GBP Billion), 2014-2019
  • Figure 26: UK Personal Accident and Health Insurance - Total Investment Income (GBP Million), 2010-2014
  • Figure 27: UK Personal Accident and Health Insurance - Total Investment Income (GBP Million), 2014-2019
  • Figure 28: UK Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2010-2014
  • Figure 29: UK Personal Accident and Health Insurance - Net Written Premium (% of GWP), 2014-2019
  • Figure 30: UK Personal Accident and Health Insurance - Investment Portfolio (GBP Billion), 2010-2014
  • Figure 31: UK Personal Accident and Health Insurance - Investment Portfolio (% Share), 2010 and 2014
  • Figure 32: UK Personal Accident and Health Insurance Penetration (Ratio of Direct Premiums to GDP), 2010-2014
  • Figure 33: UK Personal Accident and Health Insurance - Density (Direct Premium per Capita), 2010-2014
  • Figure 34: UK Personal Accident Insurance - Direct Written Premium (GBP Billion), 2010-2014
  • Figure 35: UK Personal Accident Insurance - Direct Written Premium (GBP Billion), 2014-2019
  • Figure 36: UK Personal Accident Insurance - Loss Ratio (%), 2010-2014
  • Figure 37: UK Personal Accident Insurance - Loss Ratio (%), 2014-2019
  • Figure 38: UK Travel Insurance - Direct Written Premium (GBP Billion), 2010-2014
  • Figure 39: UK Travel Insurance - Direct Written Premium (GBP Billion), 2014-2019
  • Figure 40: UK Travel Insurance - Loss Ratio (%), 2010-2014
  • Figure 41: UK Travel Insurance - Loss Ratio (%), 2014-2019
  • Figure 42: UK Health Insurance - Direct Written Premium (GBP Billion), 2010-2014
  • Figure 43: UK Health Insurance - Direct Written Premium (GBP Billion), 2014-2019
  • Figure 44: UK Health Insurance - Paid Claims (GBP Billion), 2010-2014
  • Figure 45: UK Health Insurance - Paid Claims (GBP Billion), 2014-2019
  • Figure 46: UK Health Insurance - Loss Ratio (%), 2010-2014
  • Figure 47: UK Health Insurance - Loss Ratio (%), 2014-2019
  • Figure 48: The UK - The Three Pillars of Solvency II
  • Figure 49: The UK - Insurance Supervision and Control at Various Levels
  • Figure 50: The UK - Insurance Regulatory Frameworks for Company Registration and Operation
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