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市場調査レポート

サウジアラビアの保険市場の分析

Saudi Arabia Insurance Market Analysis

発行 RNCOS E-Services Pvt. Ltd. 商品コード 228192
出版日 ページ情報 英文 70 Pages
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サウジアラビアの保険市場の分析 Saudi Arabia Insurance Market Analysis
出版日: 2012年01月01日 ページ情報: 英文 70 Pages
概要

国内での活発な資金供給や高い投資レベルを反映して、サウジアラビアの保険市場は成長速度を加速しています。損害保険部門が技術保険を中心に大きく成長し、2011〜2015年の年平均成長率(CAGR)は約13%と予測されてます。更に、医療保険加入の義務化や、タカフル(イスラム式)保険の普及、バンカシュアランスの導入、政府の投資、経済の多様化などが保険市場の成長を促進しています。

当レポートでは、サウジアラビアの保険市場について分析し、市場全体の構造や最新動向、主な成長促進要因、今後(2015年まで)の市場動向見通し、新たな成長領域、今後の課題、規制環境、主要企業のプロファイルなどを調査・考察して、その結果を概略以下の構成でお届けします。

第1章 アナリストの見解

第2章 分析手法

第3章 保険業の概要

  • 湾岸協力会議(GCC)諸国
  • サウジアラビア
    • 手数料支払額
    • 保険浸透度
    • 保険密度

第4章 保険業の業績促進要因

  • マクロ経済の成長
  • 労働力人口の増加による保険需要の増大
  • 保険強制加入制度による成長促進
  • 政府の保険業への積極的な投資
  • 経済の多様化による保険業の促進

第5章 2015年までの産業見通し

  • 医療保険
  • 保証・貯蓄保険
  • 損害保険
    • 自動車保険
    • 財産/火災保険
    • 海上保険
    • 技術保険
    • 航空保険
    • エネルギー保険
    • 事故・賠償・その他の保険

第6章 潜在的な成長領域

  • 新たな輸出信用保険
  • タカフル(イスラム式)保険
  • 献金基金制度
  • バンカシュアランスの可能性
  • 再保険市場の誕生

第7章 成長に関する課題

  • 課題の多い投資市場
  • 熟練労働力の不足
  • 認知度の不足
  • モラルハザードと詐欺行為

第8章 規制環境

  • サウジアラビア通貨庁(SAMA)
  • 共済保険規制
  • 外資所有規制

第9章 競争環境

図表一覧

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目次

Abstract

Even while gradually reviving from the global economic crisis, Saudi Arabia managed to post considerable revenue. Strong domestic funding and high investments level fuelled the growth further. In addition, strict regulation emanating from the Saudi Arabian Monetary Authority (SAMA) also facilitated the development of the market, together with better laws towards improving the structure.

According to our latest research report, "Saudi Arabia Insurance Market Analysis", health insurance has emerged as one of the fastest growing segments in the Saudi Arabian insurance sector. With 53% share of the total insurance premium during 2010, health insurance has become a key growth driver for the overall market. Moreover, as health insurance has become compulsory for expatriates, the country is on its way to witness significant increase in the number of insured people. The share of gross health insurance is likely to reach around 60% by 2015-end.

Under the general insurance sector, sub-segments, such as engineering insurance, aviation insurance, and motor insurance are anticipated to contribute towards the growth of the overall industry. Impressive performance by these segments is likely to propel the general insurance sector, which in turn, is expected to grow at a CAGR of around 13% during 2011-2015.

Takaful insurance, wherein people guarantee each other is one of the fastest growing segments in the insurance industry in Saudi Arabia. Besides, a number of banks have been following the Bancassurance model to make insurance services available to most of the people in Saudi Arabia. The future outlook of Saudi Arabia insurance sector is very bright as there is a strong intrinsic growth potential in the market. Factors, such as low penetration, strong government spending, and economic diversification are likely to propel the number of persons opting for insurance plans.

The report acquaints clients with an in-depth insight on the current performance of the insurance industry in Saudi Arabia. The segment-wise market potential of the insurance industry facilitates the better analysis of the penetration level of insurance services. Our report dissects each and every factor contributing to the rising attractiveness of the Saudi Arabian Insurance industry together with regulatory environment and providing brief overview of the key industry players like National Company for Co-operative Insurance, BUPA Arabia etc.

Table of Contents

1. Analyst View

2. Research Methodology

3. Insurance Industry Overview

  • 3.1 GCC
  • 3.2 Saudi Arabia
    • 3.2.1 Commission Expenses
    • 3.2.2 Insurance Penetration
    • 3.2.3 Insurance Density

4. Why Will Industry Perform?

  • 4.1 Macroeconomic Growth
  • 4.2 Increasing Working Population Escalating Insurance Demand
  • 4.3 Insurance Mandates Stimulating Growth
  • 4.4 Government Investments Favors Insurance Industry
  • 4.5 Economic Diversification Encouraging Insurance Industry

5. Industry Forecast to 2015

  • 5.1 Health Insurance
  • 5.2 Protection and Savings Insurance
  • 5.3 General Insurance
    • 5.3.1 Motor Insurance
    • 5.3.2 Property/Fire Insurance
    • 5.3.3 Marine Insurance
    • 5.3.4 Engineering Insurance
    • 5.3.5 Aviation Insurance
    • 5.3.6 Energy Insurance
    • 5.3.7 Accident, Liability, and Other Insurances

6. Potential Growth Areas

  • 6.1 Emerging Export Credit Insurance
  • 6.2 Takaful Insurance
  • 6.3 Pension Funds System
  • 6.4 Potential in Bancassurance
  • 6.5 Reinsurance Comes Onshore

7. Growth Challenges

  • 7.1 Challenging Investment Market
  • 7.2 Shortage of Skilled Labor Force
  • 7.3 Lack of Awareness
  • 7.4 Moral Hazards and Frauds

8. Regulatory Environment

  • 8.1 Saudi Arabian Monetary Agency (SAMA)
  • 8.2 Co-operative Insurance Regulations
  • 8.3 Foreign Ownership

9. Competitive Landscape

List of Figures:

  • Figure 3-1: GCC - Gross Insurance Premium (Billion US$), 2007-2010
  • Figure 3-2: GCC - Share of Life and Non Life Insurance Premium (2010)
  • Figure 3-3: GCC - Premium Contribution by the Country (%), 2010
  • Figure 3-4: Gross Insurance Premium (Billion SAR), 2007-2015
  • Figure 3-5: Gross Claims Paid (Billion SAR), 2007-2010
  • Figure 3-6: Commission Expenses (Million SAR), 2007-2010
  • Figure 3-7: Insurance Penetration by Category (2007-2010)
  • Figure 3-8: Insurance Density by Category (SAR per Capita), 2007-2010
  • Figure 4-1: Real GDP Growth (%), 2007-2015
  • Figure 4-2: Per Head Disposable Income (US$), 2007-2015
  • Figure 5-1: Gross Insurance Premium by Category (%), 2010
  • Figure 5-2: Forecast for Gross Insurance Premium by Category (%), 2015
  • Figure 5-3: Gross Health Insurance Premium (Billion SAR), 2007-2015
  • Figure 5-4: Gross Health Insurance Claims Paid (Billion SAR), 2007-2010
  • Figure 5-5: Share of Companies in Gross Health Insurance Premium (2010)
  • Figure 5-6: Gross Protection & Savings Insurance Premium (Billion SAR), 2007-2015
  • Figure 5-7: Gross Protection & Savings Insurance Claims Paid (Million SAR), 2007-2010
  • Figure 5-8: Gross General Insurance Premium (Billion SAR), 2007-2015
  • Figure 5-9: Gross General Insurance Premium by Category (%), 2010
  • Figure 5-10: Gross Motor Insurance Premium (Billion SAR), 2007-2015
  • Figure 5-11: Gross Motor Insurance Claims Paid (Billion SAR), 2007-2010
  • Figure 5-12: Gross Property/Fire Insurance Premium (Billion SAR), 2007-2015
  • Figure 5-13: Gross Property/Fire Insurance Claims Paid (Million SAR), 2007-2010
  • Figure 5-14: Gross Marine Insurance Premium (Million SAR), 2007-2015
  • Figure 5-15: Gross Marine Insurance Claims Paid (Million SAR), 2007-2010
  • Figure 5-16: Gross Engineering Insurance Premium (Million SAR), 2007-2015
  • Figure 5-17: Gross Engineering Insurance Claims Paid (Million SAR), 2007-2010
  • Figure 5-18: Gross Aviation Insurance Premium (Million SAR), 2007-2015
  • Figure 5-19: Gross Aviation Insurance Claims Paid (Million SAR), 2007-2010
  • Figure 5-20: Gross Energy Insurance Premium (Million SAR), 2007-2015
  • Figure 5-21: Gross Energy Insurance Claims Paid (Million SAR), 2007-2010
  • Figure 5-22: Gross Accident, Liability and Other Insurance Premium (Million SAR), 2007-2015
  • Figure 5-23: Gross Accident, Liability, and Other Insurance Claims Paid (Million SAR), 2007-2010
  • Figure 6-1: General Premium Ceded (Million SAR), 2007-2010
  • Figure 6-2: Retention Ratio by Category (2008-2010)

List of Tables:

  • Table 3-1: Number of Insurance Companies and Insurance Service Providers (2011)
  • Table 3-2: Number of Employees in Insurance Sector by Nationality (2009 & 2010)
  • Table 4-1: Population Breakup by Age Group (%), 2010-2015
  • Table 9-1: Top Ten Insurance Companies by Market Capitalization (Million SAR)
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