市場調査レポート

ブラジルの決済カード・銀行口座にリンクした保険・アシスタントサービスの市場

Insurance and Assistance linked to Payment Cards and Bank Accounts in Brazil

発行 Finaccord Ltd. 商品コード 290978
出版日 ページ情報 英文 34 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=101.75円で換算しております。
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ブラジルの決済カード・銀行口座にリンクした保険・アシスタントサービスの市場 Insurance and Assistance linked to Payment Cards and Bank Accounts in Brazil
出版日: 2013年09月01日 ページ情報: 英文 34 Pages
概要

当レポートでは、ブラジルにおける、銀行商品とリンクした保険・アシスタントサービスの市場について分析し、金融機関・カード発行企業(全44社)が発売した計576種類の商品の特徴・機能について検証すると共に、商品カテゴリー別の市場規模・シェア動向を調査・推計して、その結果を概略以下の構成でお届けします。

エグゼクティブ・サマリー

第1章 イントロダクション

  • 当レポートの概要
  • 合理的根拠
  • 調査手法
  • 保険・アシスタントサービスの種類の定義
  • PartnerBASEについて
  • Finaccordについて

第2章 市場分析

  • 調査対象の銀行および決済カード発行企業
  • バンキング市場の概況
    • 国が管理する銀行が、ブラジルのバンキング市場で重要な役割を果たす
    • 所得の拡大・国内信用の拡張を受けて、消費額も近年大幅に増加している
    • 企業合併・買収(M&A)件数の増加(Banco ItauとBradescoなど)
  • 決済カード部門の概況
    • リテール向けカード発行企業が、(発行枚数の上では)市場の大半を占める
    • 流通中のクレジットカード発行枚数は、2009〜2013年に大幅に増加
  • 決済カード・銀行口座に関連した保険およびアシスタントサービス
    • 決済カード商品の概要
      • 分析対象のうち30%以上がプレミアムカードに含まれる
    • 汎用型の保険・アシスタントサービス
      • 決済カードにリンクされた、幅広い内容の保険・アシスタントサービス商品
    • 専用型の保険・アシスタントサービス
      • カード保護保険:最大の利用可能性
      • 旅行関連の保険商品:包括性は低い
      • 高級商品が単独で分析された場合、引当率は高くなりがちになる
      • 幾つかの種類の保険は、追加的な料金支払いが常に必要である
    • 運用モデル
      • 複数の専属/合弁のアンダーライターが活発に活動している
    • パートナーシップの競合企業シェア
      • 事故・健康保険
      • 債権者保険
      • 個人情報・ID保護保険
      • ショッピング関連保険
      • 旅行関連保険
      • その他の保険
      • コンシェルジュ・サービス
  • 市場規模
    • 多数のカテゴリーのうち2つで、市場の大半を占める
    • 市場収益の大半は顧客に由来する:銀行自身によるものではない

図表一覧

目次
Product Code: report_iapcba_br

Insurance and Assistance linked to Payment Cards and Bank Accounts in Brazil investigates the market for insurance and assistance policies linked to banking products in this country. Drawing on the results of an investigation covering 576 individual payment card and bank account products offered by 44 banking institutions and specialised card providers in Brazil, the report analyses the provision of the following broad categories and types of insurance and assistance policy:

  • accident / health cover: accidental death insurance, health / hospital cash plans, health assistance, personal accident insurance;
  • creditor cover: creditor insurance - life / permanent disability, creditor insurance - temporary incapacity / unemployment;
  • personal / identity protection cover: ATM cash theft insurance, card protection insurance, handbag / wallet insurance, identity protection assistance, identity protection insurance;
  • shopping cover: extended warranty, price protection insurance, purchase protection insurance;
  • travel cover: travel accident insurance, travel assistance, travel health insurance, travel inconvenience insurance, travel insurance - comprehensive;
  • other cover: car hire insurance, home assistance, legal assistance, legal expenses insurance, missed event insurance, mobile gadget insurance, mobile phone insurance, personal liability insurance, road assistance, miscellaneous other insurance and assistance;
  • concierge services.

Key features of this study include:

  • quantification of the market size and segmentation for insurance and assistance linked to payment cards and bank accounts: approximately how much is the market worth in Brazil, how does it break down by broad category, how much is funded by the banking institutions themselves and how much is paid for separately by customers?
  • analysis of the operating models used by banking organisations for insurance and assistance linked to payment cards and bank accounts: to what extent do they use external underwriters as opposed to captive or joint venture providers?
  • calculation of provider share of partnerships based on number of relationships and partner size: which providers of insurance and assistance services have been successful in establishing relationships for each broad category of cover with the most significant banking institutions and other card issuers or distributors?
  • availability of an accompanying PartnerBASE™ dataset that details the availability or otherwise of each individual insurance or assistance enhancement to the 576 payment card and bank account products analysed in Brazil.

Table of Contents

0.0 EXECUTIVE SUMMARY 1

1.0 INTRODUCTION 2

  • What is this report about? 2
    • The provision of 30 forms of niche insurance and assistance is investigated in this study 2
  • Rationale 2
    • The new research builds upon that pioneered by Finaccord over a period of almost a decade in Europe 2
  • Methodology 4
    • Primary survey 4
      • The research covers 576 specific banking products offered by 44 banks and other organisations 4
    • Semi-weighted provider share of partnerships 5
    • Market size modelling 5
    • Operating models 6
    • Abbreviations 6
  • Definitions of specific types of insurance and assistance 7
  • PartnerBASE 9
  • Finaccord 10

2.0 MARKET ANALYSIS 11

  • Banks and other payment card issuers covered 11
  • Introduction to the banking market 11
    • State-controlled banks play a fairly important role in the Brazilian banking sector 11
    • Consumption has surged in recent years amid rising income and expanding domestic credit 11
    • The market has seen a number of mergers and acquisitions involving Banco Itaú and Bradesco 12
  • Introduction to the payment card sector 12
    • Retail sector card issuers account for the majority of credit cards in circulation in Brazil 12
    • The total number of credit cards in circulation increased strongly between 2009 and 2013 12
  • Insurance and assistance linked to payment cards and bank accounts 14
    • Overview of payment card products analysed 14
      • Over 30% of card products analysed are classifiable as premium cards 14
    • Broad types of insurance and assistance cover 16
      • Brazil hosts a very diverse market for insurance and assistance products linked to payment cards 16
    • Specific types of insurance and assistance cover 17
      • Card protection insurance registers the highest availability rate 17
      • Travel-related policies are seldom comprehensive 17
      • Provision rates tend to rise if premium products are analysed in isolation 17
      • Several types of insurance always require payment of an additional fee 17
    • Operating models 21
      • A number of captive and joint venture underwriters are active in the market 21
    • Competitor share of partnerships 23
      • Accident / health cover: Bradesco Seguros is the most visible provider in this field 23
      • Creditor cover: captive and joint venture underwriters dominate this domain 24
      • Personal / identity protection cover: familiar underwriters lead this field 24
      • Shopping-related cover: AIG and The Warranty Group are the strongest providers in this segment 25
      • Travel-related cover: AIG and AXA Assistance benefit from major card network deals 26
      • Other cover: the semi-weighted share of partnerships of the market leader is above one third 27
      • Concierge services: AXA Assistance holds agreements with several major card networks 27
  • Market size 28
    • Two categories of cover dominate Brazil's market for insurance and assistance linked to banking products 28
    • The vast majority of the market value is funded by customers rather than by the banks themselves 29

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY 1

1.0 INTRODUCTION 2

  • Specific types of insurance and assistance policy researched, grouped by broad category 3

2.0 MARKET ANALYSIS 11

  • Number of debit and credit cards in Brazil, 2009 to 2013 13
  • Key metrics for debit and credit cards in Brazil, 2009 to 2013 14
  • Summary of payment card products analysed in Brazil, segmented by category, 2013 15
  • Summary of payment card products analysed in Brazil, segmented by category, 2013 (table) 15
  • Relative weight of insurance and assistance policies linked to payment card products in Brazil, segmented by broad type of cover, 2013 16
  • Penetration of specific types of insurance and assistance linked to payment card products in Brazil, 2013: all products 18
  • Penetration of specific types of insurance and assistance linked to payment card and bank account products in Brazil, 2013: premium products only 19
  • Split of specific type of insurance and assistance linked to payment card and bank account products in Brazil between automatic cover and cover available for an additional fee, 2013 20
  • Operating models used for insurance and assistance policies linked to payment card and bank account products in Brazil, segmented by specific type of cover, 2013 22
  • Competitor share of partnerships for accident / health insurance and assistance policies linked to payment card and bank account products in Brazil, 2013 23
  • Competitor share of partnerships for creditor insurance policies linked to payment cards in Brazil, 2013 24
  • Competitor share of partnerships for personal / identity protection insurance and assistance policies linked to payment card and bank account products in Brazil, 2013 25
  • Competitor share of partnerships for shopping-related insurance policies linked to payment card and bank account products in Brazil, 2013 26
  • Competitor share of partnerships for travel-related insurance and assistance policies linked to payment card and bank account products in Brazil, 2013 26
  • Competitor share of partnerships for other insurance and assistance policies linked to payment card and bank account products in Brazil, 2013 27
  • Competitor share of partnerships for concierge services linked to payment card and bank account products in Brazil, 2013 28
  • Estimated gross written premiums for insurance and assistance linked to payment cards and bank accounts in Brazil, segmented by broad type of cover, 2013 (USD million) 29
  • Estimated gross written premiums for insurance and assistance linked to payment cards and bank accounts in Brazil, segmented by cover acquired automatically and cover acquired through payment of an additional fee, 2013 (USD million) 30
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