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Personal Accident and Health Insurance in Finland, Key Trends and Opportunities to 2019 Report / Search Code: WGR528198
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Publish Date: 28 June, 2016
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Synops is Timetric’s 'Pers onal Accident and Health Ins urance in Finland, Key Trends and Opportunities to 2019' report provides detailed analys is of the market trends , drivers , challenges in the Finnis h pers onal accident and health ins urance s egment. It provides key performance indicators s uch as written premium, incurred los s , los s ratio, commis s ions and expens es , combined ratio, total as s ets , total inves tment income and retentions during the review period (2010–2014) and forecas t period (2014–2019). The report als o gives a comprehens ive overview of the Finnis h economy and demographics , and provides detailed information on the competitive lands cape in the country. The report brings together Timetric’s res earch, modeling and analys is expertis e, giving ins urers acces s to information on s egment dynamics and competitive advantages , and profiles of ins urers operating in the country. The report als o includes details of ins urance regulations , and recent changes in the regulatory s tructure. Summary Timetric’s 'Pers onal Accident and Health Ins urance in Finland, Key Trends and Opportunities to 2019' report provides in-depth market analys is , information and ins ights into the Finnis h pers onal accident and health ins urance s egment, including: • The Finnis h pers onal accident and health ins urance s egment’s growth pros pects by ins urance category • Key trends , drivers and challenges for the pers onal accident and health ins urance s egment • A comprehens ive overview of the Finnis h economy and demographics • Details of the competitive lands cape in the pers onal accident and health ins urance s egment in Finland • Details of regulatory policy applicable to the Finnis h ins urance indus try Scope This report provides a comprehens ive analys is of the pers onal accident and health ins urance s egment in Finland: • It provides his torical values for the Finnis h pers onal accident and health ins urance s egment for the report’s 2010–2014 review period, and projected figures for the 2014–2019 forecas t period. • It offers a detailed analys is of the key categories in the Finnis h pers onal accident and health ins urance s egment, and market forecas ts to 2019. • It profiles the top pers onal accident and health ins urance companies in Finland, and outlines the key regulations affecting them. Reas ons To Buy • Make s trategic bus ines s decis ions us ing in-depth his toric and forecas t market data related to the Finnis h pers onal accident and health ins urance s egment, and each category within it. • Unders tand the demand-s ide dynamics , key market trends and growth opportunities in the Finnis h pers onal accident and health ins urance s egment. • As s es s the competitive dynamics in the pers onal accident and health ins urance s egment. • Identify growth opportunities and market dynamics in key product categories . • Gain ins ights into key regulations governing the Finnis h ins urance indus try, and their impact on companies and the indus try's future. Key Highlights • The s egment accounted for the lowes t s hare of the ins urance gros s written premium during the review period. • The Finnis h government provides healthcare to the entire population, leaving limited s cope for private health ins urers . • Finland’s healthcare s ys tem compris es both private and public s ectors .
• Health was the dominant category in the pers onal accident and health s egment throughout the review period, with 60.4% of the s egment’s direct written premium in 2014. • Solvency II legis lation was implemented in January 2016. Contents:
Table of Contents 1 Key Facts and Highlights 2 Executive Summary 3 Economy and Demographics 4 Pers onal Accident and Health Ins urance Segment Outlook 4.1 Key Drivers 4.2 Key Trends 4.3 Challenges 4.4 Pers onal Accident and Health Ins urance Growth Pros pects by Category 4.4.1 Pers onal accident ins urance 4.4.2 Health ins urance 5 Competitive Lands cape and Strategic Ins ights 5.1 Overview 5.2 Leading Companies in the Finnis h Pers onal Accident and Health Ins urance Segment 5.2.1 OP Ins urance Ltd – company overview 5.2.2 If P& C Ins urance Company Ltd – company overview 5.2.3 LocalTapiola Regionals – company overview 5.2.4 Eurooppalainen Ins urance Company Ltd – company overview 5.2.5 Fennia Mutual Ins urance Company – company overview 6 Governance, Ris k and Compliance 6.1 Legis lation Overview and His torical Evolution 6.2 Lates t Changes in Regulations 6.3 Regulations and market practice by Type of Ins urance 6.3.1 Life ins urance 6.3.2 Property ins urance 6.3.3 Motor ins urance 6.3.4 Liability ins urance 6.3.5 Marine, aviation and trans it ins urance 6.3.6 Pers onal accident and health ins urance 6.4 Compuls ory Ins urance 6.4.1 Motor third-party liability ins urance 6.4.2 Workers ’ compens ation ins urance 6.4.3 Pens ion ins urance for private employers 6.4.4 Air carriers and aircraft operators ins urance 6.4.5 Profes s ional indemnity ins urance for alternative inves tment fund managers 6.4.6 Profes s ional liability ins urance for ins urance brokers 6.5 Supervis ion and Control 6.5.1 International As s ociation of Ins urance Supervis ors (IAIS) 6.5.2 European Ins urance and Occupational Pens ion Authority (EIOPA) 6.5.3 Federation of European Ris k Management As s ociations (FERMA) 6.5.4 Financial Supervis ory Authority 6.5.5 The Federation of Finnis h Financial Services (FFI) 6.6 Non-Admitted Ins urance Regulations 6.6.1 Overview 6.6.2 Intermediaries 6.6.3 Market practices 6.6.4 Fines and penalties 6.7 Company Regis tration and Operations 6.7.1 Types of ins urance organization 6.7.2 Es tablis hing a local company 6.7.3 Foreign owners hip 6.7.4 Types of licens e 6.7.5 Capital requirements 6.7.6 Solvency margins 6.7.7 Res erve requirements 6.7.8 Inves tment regulations 6.7.9 Statutory return requirements 6.7.10 Fee s tructure 6.8 Taxation 6.8.1 Ins urance premium or policy taxation 6.8.2 Withholding tax on ins urance premium paid overs eas 6.8.3 Corporate tax 6.8.4 VAT 6.8.5 Captives 6.9 Legal Sys tem 6.9.1 Introduction 6.9.2 Acces s to court 6.9.3 Alternative dis pute res olution (ADR) 7 Definitions and Methodology 7.1 Definitions
7.2 Methodology 8 About Timetric 8.1 Contact Timetric 8.2 About Timetric 8.3 Timetric’s Services 8.4 Dis claimer Lis t of Tables Table 1: Finnis h Pers onal Accident and Health Ins urance – Key Facts , 2014 Table 2: Finnis h Humanitarian Aid by Country, 2015 Table 3: Finnis h Government Credit Ratings Table 4: Finnis h Pers onal Accident and Health Ins urance – Direct Written Premium by Category (EUR Million), 2010–2014 Table 5: Finnis h Pers onal Accident and Health Ins urance – Direct Written Premium by Category (US$ Million), 2010–2014 Table 6: Finnis h Pers onal Accident and Health Ins urance – Direct Written Premium by Category (EUR Million), 2014–2019 Table 7: Finnis h Pers onal Accident and Health Ins urance – Direct Written Premium by Category (US$ Million), 2014–2019 Table 8: Finnis h Pers onal Accident and Health Ins urance – Net Earned Premium (EUR Million), 2010–2014 Table 9: Finnis h Pers onal Accident and Health Ins urance – Net Earned Premium (EUR Million), 2014–2019 Table 10: Finnis h Pers onal Accident and Health Ins urance – Paid Claims (EUR Million), 2010–2014 Table 11: Finnis h Pers onal Accident and Health Ins urance – Paid Claims (EUR Million), 2014–2019 Table 12: Finnis h Pers onal Accident and Health Ins urance – Incurred Los s by Category (EUR Million), 2010–2014 Table 13: Finnis h Pers onal Accident and Health Ins urance – Incurred Los s by Category (US$ Million), 2010–2014 Table 14: Finnis h Pers onal Accident and Health Ins urance – Incurred Los s by Category (EUR Million), 2014–2019 Table 15: Finnis h Pers onal Accident and Health Ins urance – Incurred Los s by Category (US$ Million), 2014–2019 Table 16: Finnis h Pers onal Accident and Health Ins urance – Los s Ratio (%), 2010 –2014 Table 17: Finnis h Pers onal Accident and Health Ins urance – Los s Ratio (%), 2014 –2019 Table 18: Finnis h Pers onal Accident and Health Ins urance – Commis s ion and Expens es (EUR Million), 2010–2014 Table 19: Finnis h Pers onal Accident and Health Ins urance – Commis s ion and Expens es (EUR Million), 2014–2019 Table 20: Finnis h Pers onal Accident and Health Ins urance – Combined Ratio (%), 2010–2014 Table 21: Finnis h Pers onal Accident and Health Ins urance – Combined Ratio (%), 2014–2019 Table 22: Finnis h Pers onal Accident and Health Ins urance – Total As s ets (EUR Million), 2010–2014 Table 23: Finnis h Pers onal Accident and Health Ins urance – Total As s ets (EUR Million), 2014–2019 Table 24: Finnis h Pers onal Accident and Health Ins urance – Total Inves tment Income (EUR Million), 2010–2014 Table 25: Finnis h Pers onal Accident and Health Ins urance – Total Inves tment Income (EUR Million), 2014–2019 Table 26: Finnis h Pers onal Accident and Health Ins urance – Net Written Premium as a Percentage of Gros s Written Premium (%), 2010–2014 Table 27: Finnis h Pers onal Accident and Health Ins urance – Net Written Premium as a Percentage of Gros s Written Premium (%), 2014–2019 Table 28: Finnis h Pers onal Accident Ins urance – Direct Written Premium (EUR Million), 2010–2014 Table 29: Finnis h Pers onal Accident Ins urance – Direct Written Premium (EUR Million), 2014–2019 Table 30: Finnis h Pers onal Accident Ins urance – Los s Ratio (%), 2010–2014 Table 31: Finnis h Pers onal Accident Ins urance – Los s Ratio (%), 2014–2019 Table 32: Finnis h Health Ins urance – Direct Written Premium (EUR Million), 2010–2014 Table 33: Finnis h Health Ins urance – Direct Written Premium (EUR Million), 2014–2019 Table 34: Finnis h Health Ins urance – Los s Ratio (%), 2010–2014 Table 35: Finnis h Health Ins urance – Los s Ratio (%), 2014–2019 Table 36: Finnis h Pers onal Accident and Health Ins urance – Segment Shares (%), 2014 Table 37: OP Ins urance Ltd, Key Facts Table 38: If P& C Ins urance Company Ltd, Key Facts Table 39: LocalTapiola Regionals , Key Facts Table 40: Eurooppalainen Ins urance Company Ltd, Key Facts Table 41: Fennia Mutual Ins urance Company, Key Facts Table 42: Finland – Ins urance Regulatory Framework Key Features Table 43: Finland – Life Ins urance Regulatory Framework Table 44: Finland – Property Ins urance Regulatory Framework
Table 45: Finland – Motor Ins urance Regulatory Framework Table 46: Finland – Liability Ins urance Regulatory Framework Table 47: Finland – Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft Table 48: Finland – Ins urance Premium Taxation Table 49: Finland – Corporate Tax Rates for the Financial Year 2016 Table 50: Ins urance Indus try Definitions Lis t of Figures Figure 1: Finnis h Real GDP (EUR Billion), 2010–2019 Figure 2: EUR – US$ Exchange Rate, 2010–2019 Figure 3: Finnis h Cons umer Price Inflation, 2010–2019 Figure 4: Finnis h Current Account Balance as Percentage of GDP (%), 2010–2014 Figure 5: Finnis h Unemployment Rate, 2010–2019 Figure 6: Finnis h Population by Age Group, 1991–2025 Figure 7: Finnis h Pers onal Accident Ins urance – Number of Road Accidents , 2010 –2015 Figure 8: Finnis h Pers onal Accident Ins urance – Number of Fatalities in Road Accidents , 2010–2015 Figure 9: Finland – Number of As ylum Applicants , 2010–2014 Figure 10: Finnis h Pers onal Accident and Health Ins urance – Direct Written Premium by Category (EUR Million), 2010–2019 Figure 11: Finnis h Pers onal Accident and Health Ins urance – Direct Written Premium by Category (Percentage Share), 2014 and 2019 Figure 12: Finnis h Pers onal Accident and Health Ins urance – Direct Written Premium Dynamics by Category, 2010–2019 Figure 13: Finnis h Pers onal Accident and Health Ins urance – Net Earned Premium (EUR Million), 2010–2014 Figure 14: Finnis h Pers onal Accident and Health Ins urance – Net Earned Premium (EUR Million), 2014–2019 Figure 15: Finnis h Pers onal Accident and Health Ins urance – Paid Claims (EUR Million), 2010–2014 Figure 16: Finnis h Pers onal Accident and Health Ins urance – Paid Claims (EUR Million), 2014–2019 Figure 17: Finnis h Pers onal Accident and Health Ins urance – Incurred Los s by Category (EUR Million), 2010–2019 Figure 18: Finnis h Pers onal Accident and Health Ins urance – Los s Ratio (%), 2010 –2014 Figure 19: Finnis h Pers onal Accident and Health Ins urance – Los s Ratio (%), 2014 –2019 Figure 20: Finnis h Pers onal Accident and Health Ins urance – Commis s ion and Expens es (EUR Million), 2010–2014 Figure 21: Finnis h Pers onal Accident and Health Ins urance – Commis s ion and Expens es (EUR Million), 2014–2019 Figure 22: Finnis h Pers onal Accident and Health Ins urance – Combined Ratio (%), 2010–2014 Figure 23: Finnis h Pers onal Accident and Health Ins urance – Combined Ratio (%), 2014–2019 Figure 24: Finnis h Pers onal Accident and Health Ins urance – Total As s ets (EUR Million), 2010–2014 Figure 25: Finnis h Pers onal Accident and Health Ins urance – Total As s ets (EUR Million), 2014–2019 Figure 26: Finnis h Pers onal Accident and Health Ins urance – Total Inves tment Income (EUR Million), 2010–2014 Figure 27: Finnis h Pers onal Accident and Health Ins urance – Total Inves tment Income (EUR Million), 2014–2019 Figure 28: Finnis h Pers onal Accident and Health Ins urance – Net Written Premium as a Percentage of Gros s Written Premium (%), 2010–2014 Figure 29: Finnis h Pers onal Accident and Health Ins urance – Net Written Premium as a Percentage of Gros s Written Premium (%), 2014–2019 Figure 30: Finnis h Pers onal Accident and Health Ins urance – Inves tment Portfolio (EUR Million), 2010–2014 Figure 31: Finnis h Pers onal Accident and Health Ins urance – Inves tment Portfolio (% Share), 2010 and 2014 Figure 32: Finnis h Pers onal Accident and Health Ins urance – Penetration (%), 2010 –2014 Figure 33: Finnis h Pers onal Accident and Health Ins urance – Direct Premium per Capita (EUR), 2010–2014 Figure 34: Finnis h Pers onal Accident Ins urance – Direct Written Premium (EUR Million), 2010–2014 Figure 35: Finnis h Pers onal Accident Ins urance – Direct Written Premium (EUR Million), 2014–2019 Figure 36: Finnis h Pers onal Accident Ins urance – Los s Ratio (%), 2010–2014 Figure 37: Finnis h Pers onal Accident Ins urance – Los s Ratio (%), 2014–2019 Figure 38: Finnis h Health Ins urance – Direct Written Premium (EUR Million), 2010 –2014 Figure 39: Finnis h Health Ins urance – Direct Written Premium (EUR Million), 2014 –2019 Figure 40: Finnis h Health Ins urance – Los s Ratio (%), 2010–2014
Figure 41: Figure 42: 2014 Figure 43: Figure 44: Figure 45: Operation
Finnis h Health Ins urance – Los s Ratio (%), 2014–2019 Finnis h Pers onal Accident and Health Ins urance – Segment Shares (%), Finland – The Three Pillars of Solvency II Finland – Ins urance Supervis ion and Control at Various Levels Finland – Ins urance Regulatory Frameworks for Company Regis tration and
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