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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 2020

発行 Timetric 商品コード 308599
出版日 ページ情報 英文 142 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 2020
出版日: 2017年06月29日 ページ情報: 英文 142 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: 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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