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市場調査レポート

英国の個人傷害・健康保険市場:主な傾向と今後の市場機会

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

発行 Timetric 商品コード 308599
出版日 ページ情報 英文 134 Pages
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英国の個人傷害・健康保険市場:主な傾向と今後の市場機会 Personal Accident and Health Insurance in the UK, Key Trends and Opportunities to 2019
出版日: 2015年11月30日 ページ情報: 英文 134 Pages
概要

英国の個人傷害・健康保険市場は、世界経済危機・欧州債務危機に伴う消費者の投資マインド低迷の中でも順調に成長し、2009〜2013年の年平均成長率(CAGR)は3.8%に達しました。そして2013年の市場成長率(総計上収入保険料ベース)は3.8%に達しています。市場成長の主な要因として、海外旅行客の増加や医療費支出の増大、景気回復、政府管轄の医療保険制度に対する不満感、個人傷害・健康保険のメリットに対する認識の改善などが挙げられます。今後も、1人当たり可処分所得の増加や高齢化の進展なども加わり、市場の拡大傾向が続くものと思われます。予測期間(2013〜2018年)の年平均市場成長率(CAGR)は2.3%と予想されています。

当レポートでは、英国における個人傷害・健康保険市場の最新動向と将来展望について分析し、他の欧州諸国の市場との比較や、各部門の市場規模(過去・今後5年間分)、流通経路別の市場規模、産業の競争力、再保険市場、主要企業の概要(主要データ、財務実績など)といった情報をお届けします。

第1章 エグゼクティブ・サマリー

第2章 イントロダクション

  • 当レポートの概要
  • 定義
  • 分析手法

第3章 地域市場の動き

  • 概要
  • 市場の動向
  • 市場規模

第4章 個人傷害・健康保険市場:域内諸国との比較

  • 市場規模と普及率
    • 市場全体の総計上収入保険料
    • 1人当たり保険料
    • 個人傷害・健康保険の普及率(対GDP比率)
  • 成長率
    • 総計上収入保険料
    • 1人当たり総計上収入保険料
  • 効率性とリスク
    • 損失率
    • 1人当たり既発生損失
    • 既発生損失の対GDP比率
  • 流通チャネル
    • 直接販売
    • バンカシュアランス
    • 代理店販売

第5章 英国の保険産業の誘因性

  • 保険産業の市場規模(通算10年間分)
  • 産業の主な傾向と促進要因
  • 課題
  • 近年の市場の動き

第6章 個人傷害・健康保険市場の見通し

  • 消費者の分類
  • 商品・マーケティング戦略
  • カテゴリー別の成長見通し
    • 個人傷害保険
    • 旅行保険
    • 健康保険

第7章 流通経路別の分析

  • 直接販売
  • バンカシュアランス
  • 代理店
  • 電子商取引(eコマース)
  • ブローカー
  • その他の経路

第8章 ポーターのファイブフォース分析:英国の個人傷害・健康保険産業

  • サプライヤーの交渉力:低〜中
  • バイヤーの購買力:高
  • 参入障壁:低
  • 同業者との競合:中
  • 代替製品の脅威:中

第9章 再保険市場の成長のダイナミクスと課題

  • 再保険市場の規模
  • 再保険市場の規模:保険の種類別

第10章 ガバナンス・リスク・コンプライアンス

  • 関連法規の概要とこれまでの推移
  • 関連法規と市場の慣行:保険の種類別
  • 強制保険
  • 監督・管理体制
  • 未認可保険の規制の傾向
  • 企業の登記と経営
  • 課税
  • 法制度

第11章 競争環境と戦略的考察

  • 概要
  • 英国の個人傷害・健康保険産業の主要企業
  • 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 ビジネス環境とカントリーリスク

  • 景況感
  • 経済実績
  • インフラストラクチャー
  • 労働力
  • 人口構成

第13章 付録

図表一覧

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目次
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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