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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 2020

出版商 Timetric 商品編碼 308599
出版日期 內容資訊 英文 142 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 2020
出版日期: 2017年06月29日 內容資訊: 英文 142 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: IS1481MR

Timetric's 'Personal Accident and Health Insurance in the UK, Key Trends and Opportunities to 2020' report provides a detailed outlook by product category for the UK personal accident and health insurance segment, and a comparison of the UK insurance industry with its regional counterparts.

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 (2011-2015) and forecast period (2015-2020).

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 2020' report provides in-depth market analysis, information and insights into the UK personal accident and health insurance segment, including:

  • An overview of the UK personal accident and health insurance segment
  • The UK personal accident and health insurance segment's growth prospects by category
  • A comprehensive overview of the UK economy and demographics
  • A comparison of the UK personal accident and health insurance segment with its regional counterparts
  • The various distribution channels in the UK personal accident and health insurance segment
  • Details of the competitive landscape in the personal accident and health insurance segment in the UK
  • 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 2011-2015 review period, and projected figures for the 2015-2020 forecast period.
  • It offers a detailed analysis of the key categories in the UK personal accident and health insurance segment, and market forecasts to 2020.
  • It provides a comparison of the UK personal accident and health insurance segment with its regional counterparts
  • It provides an overview of the 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 Economy and Demographics

4 Segment Outlook

  • 4.1 Regional Comparison
  • 4.2 Segment Indicators
    • 4.2.1 Direct written premium and penetration
    • 4.2.2 Claims
    • 4.2.3 Profitability

5 Distribution Channel Outlook

  • 5.1 Analysis by Distribution Channel

6 Competitive Landscape

  • 6.1 Company Profiles
    • 6.1.1 Axa UK Plc - company overview
    • 6.1.2 Aviva Plc - company overview
    • 6.1.3 Discovery Holdings Ltd - company overview
    • 6.1.4 SimplyHealth - company overview
    • 6.1.5 Cigna Life Insurance - company overview

7 Governance, Risk and Compliance

  • 7.1 Legislation Overview and Historical Evolution
  • 7.2 Latest Changes in Regulation
  • 7.3 Legislation and Market Practice by Type of Insurance
    • 7.3.1 Life insurance
    • 7.3.2 Property insurance
    • 7.3.3 Motor insurance
    • 7.3.4 Liability insurance
    • 7.3.5 Marine, aviation and transit insurance
    • 7.3.6 Personal accident and health insurance
  • 7.4 Compulsory Insurance
    • 7.4.1 Employer's liability insurance
    • 7.4.2 Motor third-party liability insurance
    • 7.4.3 Merchant shipping compulsory insurance
    • 7.4.4 National Insurance Scheme
    • 7.4.5 Professional indemnity insurance
    • 7.4.6 Air carriers and aircraft operators insurance
    • 7.4.7 Clinical trials liability insurance
    • 7.4.8 Liability for ships with respect to oil pollution
  • 7.5 Supervision and Control
    • 7.5.1 International Association of Insurance Supervisors
    • 7.5.2 European Insurance and Occupational Pensions Authority
    • 7.5.3 Prudential Regulation Authority
    • 7.5.4 Financial Conduct Authority
  • 7.6 Non-Admitted Insurance Regulations
    • 7.6.1 Overview
    • 7.6.2 Intermediaries
    • 7.6.3 Market practices
    • 7.6.4 Fines and Penalties
  • 7.7 Company Registration and Operations
    • 7.7.1 Type of insurance organization
    • 7.7.2 Establishing a local company
    • 7.7.3 Foreign ownership
    • 7.7.4 Types of license
    • 7.7.5 Capital requirements
    • 7.7.6 Solvency margin
    • 7.7.7 Reserve requirements
    • 7.7.8 Investment regulations
    • 7.7.9 Statutory return requirements
    • 7.7.10 Fee structure
  • 7.8 Taxation
    • 7.8.1 Insurance premium or policy taxation
    • 7.8.2 Withholding taxes on premium paid overseas
    • 7.8.3 Corporate tax
    • 7.8.4 VAT
    • 7.8.5 Captives
  • 7.9 Legal System
    • 7.9.1 Introduction
    • 7.9.2 Access to court
    • 7.9.3 Alternative dispute resolution

8 Databook

  • 8.1 Policies and Premium
  • 8.2 Claims and Expenses
  • 8.3 Direct Marketing and E-Commerce
  • 8.4 Insurance Brokers and Agencies
  • 8.5 Bancassurance and Other Distribution Channels
  • 8.6 Personal Accident Insurance
  • 8.7 Health Insurance
  • 8.8 Travel Insurance

9 Definitions and Methodology

  • 9.1 Definitions
  • 9.2 Methodology

10 About Timetric

  • 10.1 Contact Timetric
  • 10.2 About Timetric
  • 10.3 Timetric's Services
  • 10.4 Disclaimer

List of Tables

  • Table 1: UK Personal Accident and Health Insurance - Key Facts, 2015
  • Table 2: UK Personal Accident and Health Insurance - Top Five Insurers, 2015
  • Table 3: UK Government Credit Ratings
  • Table 4: UK Personal Accident and Health Insurance - Direct Written Premium (GBP Billion and US$ Billion), 2011-2015
  • Table 5: UK Personal Accident and Health Insurance - Penetration (%), 2011-2015
  • Table 6: UK Personal Accident and Health Insurance - Direct Written Premium (GBP Billion and US$ Billion), 2015-2020
  • Table 7: UK Personal Accident and Health Insurance - Penetration (%), 2015-2020
  • Table 8: UK Personal Accident and Health Insurance - Premium per Capita (GBP and US$), 2011-2015
  • Table 9: UK Personal Accident and Health Insurance - Premium per Capita (GBP and US$), 2015-2020
  • Table 10: UK Personal Accident and Health Insurance - Paid Claims (GBP Billion and US$ Billion), 2011-2015
  • Table 11: UK Personal Accident and Health Insurance - Paid Claims (GBP Billion and US$ Billion), 2015-2020
  • Table 12: UK Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2015
  • Table 13: UK Personal Accident and Health Insurance - Profitability Ratio (%), 2015-2020
  • Table 14: UK Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (GBP Billion), 2011-2015
  • Table 15: UK Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (GBP Billion), 2015-2020
  • Table 16: UK Personal Accident and Health Insurance - Percentage of Direct Written Premium, by Distribution Channel, 2011-2020
  • Table 17: UK Personal Accident and Health Insurance - Top Insurers, 2015
  • Table 18: Axa UK Plc - Key Facts
  • Table 19: Aviva Plc - Key Facts
  • Table 20: Discovery Holdings Limited - Key Facts
  • Table 21: Simply Health - Key Facts
  • Table 22: Cigna Life Insurance - Key Facts
  • Table 23: UK - Insurance Regulatory Framework Key Features
  • Table 24: UK - Life Insurance Regulatory Framework
  • Table 25: UK - Property Insurance Regulatory Framework
  • Table 26: UK- Motor Insurance Regulatory Framework
  • Table 27: UK - Liability Insurance Regulatory Framework
  • Table 28: UK - Benefits Under National Insurance Scheme
  • Table 29: UK - Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
  • Table 30: UK - Corporate Tax Rates for the Financial Year 2017
  • Table 31: UK- VAT Rates in UK for Insurance Products
  • Table 32: UK Personal Accident and Health Insurance Industry - Policies and Premium, 2011-2015
  • Table 33: UK Personal Accident and Health Insurance Industry - Policies and Premium, 2015-2020
  • Table 34: UK Personal Accident and Health Insurance - Claims and Expenses, 2011-2015
  • Table 35: UK Personal Accident and Health Insurance - Claims and Expenses, 2015-2020
  • Table 36: UK Personal Accident and Health Insurance - Direct Marketing, 2011-2015
  • Table 37: UK Personal Accident and Health Insurance - Direct Marketing, 2015-2020
  • Table 38: UK Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2011-2015
  • Table 39: UK Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2015-2020
  • Table 40: UK Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2011-2015
  • Table 41: UK Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2015-2020
  • Table 42: UK Personal Accident and Health Insurance - Personal Accident Insurance, 2011-2013
  • Table 43: UK Personal Accident and Health Insurance - Health Insurance, 2011-2013
  • Table 44: UK Personal Accident and Health Insurance - Travel Insurance, 2011-2013
  • Table 45: Insurance Industry Definitions

List of Figures

  • Figure 1: UK Real GDP (GBP Trillion), 2011-2020
  • Figure 2: UK Consumer Price Inflation (%), 2011-2020
  • Figure 3: UK Current Account Balance as Percentage of GDP (%), 2011-2015
  • Figure 4: UK Unemployment Rate, 2011-2020
  • Figure 5: UK Population by Age Group, 2011-2025
  • Figure 6: UK Non-Life Insurance Penetration - Regional Comparison (%), 2015
  • Figure 7: UK Personal Accident and Health Insurance - Direct Written Premium (GBP Billion), 2011-2020
  • Figure 8: UK Personal Accident and Health Insurance - Penetration (%), 2011-2020
  • Figure 9: UK Personal Accident and Health Insurance - Premium per Capita (GBP), 2011-2020
  • Figure 10: UK Personal Accident and Health Insurance - Paid Claims (GBP Billion), 2011-2020
  • Figure 11: UK Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2020
  • Figure 12: UK Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (%), 2011, 2015 and 2020
  • Figure 13: UK - The Three Pillars of Solvency II
  • Figure 14: UK - Insurance Supervision and Control at Various Levels
  • Figure 15: UK - Insurance Regulatory Frameworks for Company Registration and Operation
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