Life Insurance in Croatia, Key Trends and Opportunities to 2018
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 Croatian Insurance Industry Overview
4.1 Insurance Industry Size, 2009-2018
5 Life Insurance Outlook
5.1 Key Drivers
5.2 Key Trends
5.3 Challenges
5.4 Life Insurance Growth Prospects by Category
5.5 Individual Life Insurance
5.5.1 Individual whole life insurance
5.5.2 Individual general annuity insurance
5.5.3 Individual endowment insurance
5.5.4 Individual term life insurance
5.5.5 Individual supplementary insurance
5.5.6 Other individual other insurance
5.6 Life Insurance Growth Prospects by Product Type
5.6.1 Individual single-premium insurance
5.6.2 Individual non-single-premium insurance
5.6.3 Total linked insurance business
5.6.4 Total non-linked insurance business
6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-Commerce
6.5 Brokers
6.6 Other Channels
7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Latest Changes in Insurance Regulations
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 Insurance within the transport sector
7.4.2 Health insurance
7.4.3 Unemployment insurance
7.4.4 Professional indemnity insurance for alternative investment fund managers
7.5 Supervision and Control
7.5.1 European Insurance and Occupational Pensions Authority
7.5.2 Croatian Financial Services Supervisory Agency (Hanfa)
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 Types 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 margins
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 (ADR)
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Croatian Life Insurance Segment
8.3 Product Launched during Review Period
8.3.1 Allianz Zagreb d.d. - Company Overview
8.3.2 Croatia osiguranje d.d. - Company Overview
8.3.3 Grawe hrvatska d.d. - Company Overview
8.3.4 Merkur Osiguranje d.d. - Company Overview
8.3.5 Wiener osiguranje Vienna Insurance Group d.d. - Company Overview
8.3.6 Erste osiguranje vig d.d. - Company Overview
8.3.7 UNIQA osiguranje d.d. - Company Overview
8.3.8 Generali osiguranje d.d. - Company Overview
8.3.9 Triglav osiguranje d.d. - Company Overview
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: Croatian Life Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Croatian Insurance Industry - Gross Written Premium by Segment (HRK Billion), 2009-2013
Table 4: Croatian Insurance Industry - Gross Written Premium by Segment (US$ Billion), 2009-2013
Table 5: Croatian Insurance Industry - Gross Written Premium by Segment (HRK Billion), 2013-2018
Table 6: Croatian Insurance Industry - Gross Written Premium by Segment (US$ Billion), 2013-2018
Table 7: Croatian Insurance Industry - Gross Written Premium by Segment (Percentage Share), 2009-2018
Table 8: Croatian Insurance Industry - Direct Written Premium by Segment (HRK Billion), 2009-2013
Table 9: Croatian Insurance Industry - Direct Written Premium by Segment (US$ Billion), 2009-2013
Table 10: Croatian Insurance Industry - Direct Written Premium by Segment (HRK Billion), 2013-2018
Table 11: Croatian Insurance Industry - Direct Written Premium by Segment (US$ Billion), 2013-2018
Table 12: Croatian Insurance Industry - Direct Written Premium by Segment (Percentage Share), 2009-2018
Table 13: Croatian Life Insurance - Gross Written Premium by Category (HRK Million), 2009-2013
Table 14: Croatian Life Insurance - Gross Written Premium by Category (US$ Million), 2009-2013
Table 15: Croatian Life Insurance - Gross Written Premium by Category (HRK Million), 2013-2018
Table 16: Croatian Life Insurance - Gross Written Premium by Category (US$ Million), 2013-2018
Table 17: Croatian Life Insurance - New Business Written Premium (HRK Million), 2009-2013
Table 18: Croatian Life Insurance - New Business Written Premium (HRK Million), 2013-2018
Table 19: Croatian Life Insurance - Earned Premium (HRK Billion), 2009-2013
Table 20: Croatian Life Insurance - Earned Premium (HRK Billion), 2013-2018
Table 21: Croatian Life Insurance - Sum Assured (HRK Trillion), 2009-2013
Table 22: Croatian Life Insurance - Sum Assured (HRK Trillion), 2013-2018
Table 23: Croatian Life Insurance - Paid Claims (HRK Billion), 2009-2013
Table 24: Croatian Life Insurance - Paid Claims (HRK Billion), 2013-2018
Table 25: Croatian Life Insurance - Incurred Loss (HRK Billion), 2009-2013
Table 26: Croatian Life Insurance - Incurred Loss (HRK Billion), 2013-2018
Table 27: Croatian Life Insurance - Loss Ratio (%), 2009-2013
Table 28: Croatian Life Insurance - Loss Ratio (%), 2013-2018
Table 29: Croatian Life Insurance - Commissions and Expenses (HRK Billion), 2009-2013
Table 30: Croatian Life Insurance - Commissions and Expenses (HRK Billion), 2013-2018
Table 31: Croatian Life Insurance - Combined Ratio (%), 2009-2013
Table 32: Croatian Life Insurance - Combined Ratio (%), 2013-2018
Table 33: Croatian Life Insurance - Fraud and Crime (HRK Million), 2009-2013
Table 34: Croatian Life Insurance - Fraud and Crime (HRK Million), 2013-2018
Table 35: Croatian Life Insurance - Total Assets (HRK Billion), 2009-2013
Table 36: Croatian Life Insurance - Total Assets (HRK Billion), 2013-2018
Table 37: Croatian Life Insurance - Total Investment Income (HRK Million), 2009-2013
Table 38: Croatian Life Insurance - Total Investment Income (HRK Million), 2013-2018
Table 39: Croatian Life Insurance - Retentions (HRK Billion), 2009-2013
Table 40: Croatian Life Insurance - Retentions (HRK Billion), 2013-2018
Table 41: Croatian Individual Life Insurance - Gross Written Premium by Category (HRK Million), 2009-2013
Table 42: Croatian Individual Life Insurance - Gross Written Premium by Category (US$ Million), 2009-2013
Table 43: Croatian Individual Life Insurance - Gross Written Premium by Category (HRK Million), 2013-2018
Table 44: Croatian Individual Life Insurance - Gross Written Premium by Category (US$ Million), 2013-2018
Table 45: Croatian Individual Life Insurance - Direct Written Premium by Category (HRK Million), 2009-2013
Table 46: Croatian Individual Life Insurance - Direct Written Premium by Category (US$ Million), 2009-2013
Table 47: Croatian Individual Life Insurance - Direct Written Premium by Category (HRK Million), 2013-2018
Table 48: Croatian Individual Life Insurance - Direct Written Premium by Category (US$ Million), 2013-2018
Table 49: Croatian Individual Life Insurance - Policies by Category (Thousand), 2009-2013
Table 50: Croatian Individual Life Insurance - Policies by Category (Thousand), 2013-2018
Table 51: Croatian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Table 52: Croatian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Table 53: Croatian Individual Whole Life Insurance - Gross Written Premium (HRK Million), 2009-2013
Table 54: Croatian Individual Whole Life Insurance - Gross Written Premium (HRK Million), 2013-2018
Table 55: Croatian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2009-2013
Table 56: Croatian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2013-2018
Table 57: Croatian Individual General Annuity Insurance - Gross Written Premium (HRK Million), 2009-2013
Table 58: Croatian Individual General Annuity Insurance - Gross Written Premium (HRK Million), 2013-2018
Table 59: Croatian Individual Endowment Insurance - Number of Active Policies (Thousand), 2009-2013
Table 60: Croatian Individual Endowment Insurance - Number of Active Policies (Thousand), 2013-2018
Table 61: Croatian Individual Endowment Insurance - Gross Written Premium (HRK Billion), 2009-2013
Table 62: Croatian Individual Endowment Insurance - Gross Written Premium (HRK Billion), 2013-2018
Table 63: Croatian Individual Term Life Insurance - Number of Active Policies (Thousand), 2009-2013
Table 64: Croatian Individual Term Life Insurance - Number of Active Policies (Thousand), 2013-2018
Table 65: Croatian Individual Term Life Insurance - Gross Written Premium (HRK Million), 2009-2013
Table 66: Croatian Individual Term Life Insurance - Gross Written Premium (HRK Million), 2013-2018
Table 67: Croatian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2009-2013
Table 68: Croatian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2013-2018
Table 69: Croatian Individual Supplementary Insurance - Gross Written Premium (HRK Million), 2009-2013
Table 70: Croatian Individual Supplementary Insurance - Gross Written Premium (HRK Million), 2013-2018
Table 71: Croatian Other Individual Insurance - Number of Active Policies (Thousand), 2009-2013
Table 72: Croatian Other Individual Insurance - Number of Active Policies (Thousand), 2013-2018
Table 73: Croatian Other Individual Insurance - Gross Written Premium (HRK Million), 2009-2013
Table 74: Croatian Other Individual Insurance - Gross Written Premium (HRK Million), 2013-2018
Table 75: Croatian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Table 76: Croatian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Table 77: Croatian Individual Single-Premium Insurance - Gross Written Premium (HRK Million), 2009-2013
Table 78: Croatian Individual Single-Premium Insurance - Gross Written Premium (HRK Million), 2013-2018
Table 79: Croatian Individual Single-Premium Insurance - Direct Written Premium (HRK Million), 2009-2013
Table 80: Croatian Individual Single-Premium Insurance - Direct Written Premium (HRK Million), 2013-2018
Table 81: Croatian Individual Non-Single-Premium Insurance - Number of Active Policies (Million), 2009-2013
Table 82: Croatian Individual Non-Single-Premium Insurance - Number of Active Policies (Million), 2013-2018
Table 83: Croatian Individual Non-Single-Premium Insurance - Gross Written Premium (HRK Billion), 2009-2013
Table 84: Croatian Individual Non-Single-Premium Insurance - Gross Written Premium (HRK Billion), 2013-2018
Table 85: Croatian Individual Non-Single-Premium Insurance - Direct Written Premium (HRK Billion), 2009-2013
Table 86: Croatian Individual Non-Single-Premium Insurance - Direct Written Premium (HRK Billion), 2013-2018
Table 87: Croatian Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Table 88: Croatian Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Table 89: Croatian Linked Insurance Business - Gross Written Premium (HRK Million), 2009-2013
Table 90: Croatian Linked Insurance Business - Gross Written Premium (HRK Million), 2013-2018
Table 91: Croatian Linked Insurance Business - Direct Written Premium (HRK Million), 2009-2013
Table 92: Croatian Linked Insurance Business - Direct Written Premium (HRK Million), 2013-2018
Table 93: Croatian Non-Linked Insurance Business - Number of Active Policies (Million), 2009-2013
Table 94: Croatian Non-Linked Insurance Business - Number of Active Policies (Million), 2013-2018
Table 95: Croatian Non-Linked Insurance Business - Gross Written Premium (HRK Billion), 2009-2013
Table 96: Croatian Non-Linked Insurance Business - Gross Written Premium (HRK Billion), 2013-2018
Table 97: Croatian Non-Linked Insurance Business - Direct Written Premium (HRK Billion), 2009-2013
Table 98: Croatian Non-Linked Insurance Business - Direct Written Premium (HRK Billion), 2013-2018
Table 99: Croatian Life Insurance - Direct Marketing Commission Paid (HRK Million), 2009-2013
Table 100: Croatian Life Insurance - Direct Marketing Commission Paid (HRK Million), 2013-2018
Table 101: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Table 102: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Table 103: Croatian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 104: Croatian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 105: Croatian Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 106: Croatian Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 107: Croatian Life Insurance - Bancassurance Commission Paid (HRK Million), 2009-2013
Table 108: Croatian Life Insurance - Bancassurance Commission Paid (HRK Million), 2013-2018
Table 109: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Table 110: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Table 111: Croatian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 112: Croatian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 113: Croatian Life Insurance - Number of Bancassurance Distributors, 2009-2013
Table 114: Croatian Life Insurance - Number of Bancassurance Distributors, 2013-2018
Table 115: Croatian Life Insurance - Commission Paid to Agencies (HRK Million), 2009-2013
Table 116: Croatian Life Insurance - Commission Paid to Agencies (HRK Million), 2013-2018
Table 117: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Table 118: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Table 119: Croatian Life Insurance - New Policies Sold Through Agencies (Thousand), 2009-2013
Table 120: Croatian Life Insurance - New Policies Sold Through Agencies (Thousand), 2013-2018
Table 121: Croatian Life Insurance - Number of Agencies, 2009-2013
Table 122: Croatian Life Insurance - Number of Agencies, 2013-2018
Table 123: Croatian Life Insurance - E-Commerce Commission Paid (HRK Thousand), 2009-2013
Table 124: Croatian Life Insurance - E-Commerce Commission Paid (HRK Thousand), 2013-2018
Table 125: Croatian Life Insurance - New Business Gross Written Premium (HRK Thousand), 2009-2013
Table 126: Croatian Life Insurance - Gross Written Premium New Business (HRK Thousand), 2013-2018
Table 127: Croatian Life Insurance - New Policies Sold Through E-Commerce, 2009-2013
Table 128: Croatian Life Insurance - New Policies Sold Through E-Commerce, 2013-2018
Table 129: Croatian Life Insurance - Number of E-Commerce Distributors, 2009-2013
Table 130: Croatian Life Insurance - Number of E-Commerce Distributors, 2013-2018
Table 131: Croatian Life Insurance - Commission Paid to Brokers (HRK Million), 2009-2013
Table 132: Croatian Life Insurance - Commission Paid to Brokers (HRK Million), 2013-2018
Table 133: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Table 134: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Table 135: Croatian Life Insurance - New Policies Sold Through Brokers (Thousand), 2009-2013
Table 136: Croatian Life Insurance - New Policies Sold Through Brokers (Thousand), 2013-2018
Table 137: Croatian Life Insurance - Number of Brokers, 2009-2013
Table 138: Croatian Life Insurance - Number of Brokers, 2013-2018
Table 139: Croatian Life Insurance - Commission Paid to Other Channels (HRK Million), 2009-2013
Table 140: Croatian Life Insurance - Commission Paid to Other Channels (HRK Million), 2013-2018
Table 141: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Table 142: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Table 143: Croatian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2009-2013
Table 144: Croatian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2013-2018
Table 145: Croatian Life Insurance - Number of Distributors in Other Channels, 2009-2013
Table 146: Croatian Life Insurance - Number of Distributors in Other Channels, 2013-2018
Table 147: Croatia - Life Insurance Regulatory Framework
Table 148: Croatia - Property Insurance Regulatory Framework
Table 149: Croatia - Motor Insurance Regulatory Framework
Table 150: Croatia - Liability Insurance Regulatory Framework
Table 151: Croatia - Maximum Liability for Aircraft Operators
Table 152: Croatia - Para fiscal Taxes on Insurance Premium
Table 153:Croatia - Corporate Taxes Rates for Financial Year 2015
Table 154: Shares of Key Insurers in the Croatian Life Insurance Segment (%), 2013
List of Figures
Figure 1: Croatian Insurance Industry - Gross Written Premium by Segment (HRK Billion), 2009-2018
Figure 2: Croatian Insurance Industry - Gross Written Premium Dynamics by Segment (2009-2018)
Figure 3: Croatian Insurance Industry - Direct Written Premium by Segment (HRK Billion), 2009-2018
Figure 4: Croatian Insurance Industry - Direct Written Premium Dynamics by Segment (2009-2018)
Figure 5: Croatian Life Insurance - Gross Written Premium by Category (HRK Billion), 2009-2018
Figure 6: Croatian Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 7: Croatian Life Insurance - Gross Written Premium Dynamics by Category (2009-2018)
Figure 8: Croatian Life Insurance - New Business Written Premium (HRK Million), 2009-2013
Figure 9: Croatian Life Insurance - New Business Written Premium (HRK Million), 2013-2018
Figure 10: Croatian Life Insurance - Earned Premium (HRK Billion), 2009-2013
Figure 11: Croatian Life Insurance - Earned Premium (HRK Billion), 2013-2018
Figure 12: Croatian Life Insurance - Sum Assured (HRK Trillion), 2009-2013
Figure 13: Croatian Life Insurance - Sum Assured (HRK Trillion), 2013-2018
Figure 14: Croatian Life Insurance - Paid Claims (HRK Billion), 2009-2013
Figure 15: Croatian Life Insurance - Paid Claims (HRK Billion), 2013-2018
Figure 16: Croatian Life Insurance - Incurred Loss (HRK Billion), 2009-2013
Figure 17: Croatian Life Insurance - Incurred Loss (HRK Billion), 2013-2018
Figure 18: Croatian Life Insurance - Loss Ratio (%), 2009-2013
Figure 19: Croatian Life Insurance - Loss Ratio (%), 2013-2018
Figure 20: Croatian Life Insurance - Commissions and Expenses (HRK Billion), 2009-2013
Figure 21: Croatian Life Insurance - Commissions and Expenses (HRK Billion), 2013-2018
Figure 22: Croatian Life Insurance - Combined Ratio (%), 2009-2013
Figure 23: Croatian Life Insurance - Combined Ratio (%), 2013-2018
Figure 24: Croatian Life Insurance - Fraud and Crime (HRK Million), 2009-2013
Figure 25: Croatian Life Insurance - Fraud and Crime (HRK Million), 2013-2018
Figure 26: Croatian Life Insurance - Total Assets (HRK Billion), 2009-2013
Figure 27: Croatian Life Insurance - Total Assets (HRK Billion), 2013-2018
Figure 28: Croatian Life Insurance - Total Investment Income (HRK Million), 2009-2013
Figure 29: Croatian Life Insurance - Total Investment Income (HRK Million), 2013-2018
Figure 30: Croatian Life Insurance - Retentions (HRK Billion), 2009-2013
Figure 31: Croatian Life Insurance - Retentions (HRK Billion), 2013-2018
Figure 32: Croatian Life Insurance - Investment Portfolio (HRK Billion), 2009-2013
Figure 33: Croatian Life Insurance - Investment Portfolio, 2002018and 2013
Figure 34: Croatian Life Insurance - Penetration (%), 2009-2013
Figure 35: Croatian Life Insurance - Density (Number of Policies per Capita), 2009-2013
Figure 36: Croatian Life Insurance - Number of Active Policies (Million), 2009-2013
Figure 37: Croatian Life Insurance - Number of Active Policies (Million), 2013-2018
Figure 38: Croatian Life Insurance - Number of New Policies Sold (Thousand), 2009-2013
Figure 39: Croatian Life Insurance - Number of New Policies Sold (Thousand), 2013-2018
Figure 40: Croatian Life Insurance - Premium Per Capita (HRK), 2009-2013
Figure 41: Croatian Individual Life Insurance - Gross Written Premium by Category (HRK Billion), 2009-2018
Figure 42: Croatian Individual Life Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 43: Croatian Individual Life Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 44: Croatian Individual Life Insurance - Direct Written Premium by Category (HRK Billion), 2009-2018
Figure 45: Croatian Individual Life Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 46: Croatian Individual Life Insurance - Direct Written Premium Dynamics by Category, 2009-2018
Figure 47: Croatian Individual Life Insurance - Policies by Category (Thousand), 2009-2018
Figure 48: Croatian Individual Life Insurance - Policies by Category (Percentage Share), 2013 and 2018
Figure 49: Croatian Individual Life Insurance - Policies Dynamics by Category, 2009-2018
Figure 50: Croatian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 51: Croatian Individual Whole Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 52: Croatian Individual Whole Life Insurance - Gross Written Premium (HRK Million), 2009-2013
Figure 53: Croatian Individual Whole Life Insurance - Gross Written Premium (HRK Million), 2013-2018
Figure 54: Croatian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 55: Croatian Individual General Annuity Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 56: Croatian Individual General Annuity Insurance - Gross Written Premium (HRK Million), 2009-2013
Figure 57: Croatian Individual General Annuity Insurance - Gross Written Premium (HRK Million), 2013-2018
Figure 58: Croatian Individual Endowment Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 59: Croatian Individual Endowment Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 60: Croatian Individual Endowment Insurance - Gross Written Premium (HRK Billion), 2009-2013
Figure 61: Croatian Individual Endowment Insurance - Gross Written Premium (HRK Billion), 2013-2018
Figure 62: Croatian Individual Term Life Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 63: Croatian Individual Term Life Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 64: Croatian Individual Term Life Insurance - Gross Written Premium (HRK Million), 2009-2013
Figure 65: Croatian Individual Term Life Insurance - Gross Written Premium (HRK Million), 2013-2018
Figure 66: Croatian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 67: Croatian Individual Supplementary Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 68: Croatian Individual Supplementary Insurance - Gross Written Premium (HRK Million), 2009-2013
Figure 69: Croatian Individual Supplementary Insurance - Gross Written Premium (HRK Million), 2013-2018
Figure 70: Croatian Other Individual Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 71: Croatian Other Individual Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 72: Croatian Other Individual Insurance - Gross Written Premium (HRK Million), 2009-2013
Figure 73: Croatian Other Individual Insurance - Gross Written Premium (HRK Million), 2013-2018
Figure 74: Croatian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2009-2013
Figure 75: Croatian Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2013-2018
Figure 76: Croatian Individual Single-Premium Insurance - Gross Written Premium (HRK Million), 2009-2013
Figure 77: Croatian Individual Single-Premium Insurance - Gross Written Premium (HRK Million), 2013-2018
Figure 78: Croatian Individual Single-Premium Insurance - Direct Written Premium (HRK Million), 2009-2013
Figure 79: Croatian Individual Single-Premium Insurance - Direct Written Premium (HRK Million), 2013-2018
Figure 80: Croatian Individual Non-Single-Premium Insurance - Number of Active Policies (Million), 2009-2013
Figure 81: Croatian Individual Non-Single-Premium Insurance - Number of Active Policies (Million), 2013-2018
Figure 82: Croatian Individual Non-Single-Premium Insurance - Gross Written Premium (HRK Billion), 2009-2013
Figure 83: Croatian Individual Non-Single-Premium Insurance - Gross Written Premium (HRK Billion), 2013-2018
Figure 84: Croatian Individual Non-Single-Premium Insurance - Direct Written Premium (HRK Billion), 2009-2013
Figure 85: Croatian Individual Non-Single-Premium Insurance - Direct Written Premium (HRK Billion), 2013-2018
Figure 86: Croatian Linked Insurance Business - Number of Active Policies (Thousand), 2009-2013
Figure 87: Croatian Linked Insurance Business - Number of Active Policies (Thousand), 2013-2018
Figure 88: Croatian Linked Insurance Business - Gross Written Premium (HRK Million), 2009-2013
Figure 89: Croatian Linked Insurance Business - Gross Written Premium (HRK Million), 2013-2018
Figure 90: Croatian Linked Insurance Business - Direct Written Premium (HRK Million), 2009-2013
Figure 91: Croatian Linked Insurance Business - Direct Written Premium (HRK Million), 2013-2018
Figure 92: Croatian Non-Linked Insurance Business - Number of Active Policies (Million), 2009-2013
Figure 93: Croatian Non-Linked Insurance Business - Number of Active Policies (Million), 2013-2018
Figure 94: Croatian Non-Linked Insurance Business - Gross Written Premium (HRK Billion), 2009-2013
Figure 95: Croatian Non-Linked Insurance Business - Gross Written Premium (HRK Billion), 2013-2018
Figure 96: Croatian Non-Linked Insurance Business - Direct Written Premium (HRK Billion), 2009-2013
Figure 97: Croatian Non-Linked Insurance Business - Direct Written Premium (HRK Billion), 2013-2018
Figure 98: Croatian Life Insurance - New Business Gross Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 99: Croatian Life Insurance - Direct Marketing Commission Paid (HRK Million), 2009-2013
Figure 100: Croatian Life Insurance - Direct Marketing Commission Paid (HRK Million), 2013-2018
Figure 101: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Figure 102: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Figure 103: Croatian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2009-2013
Figure 104: Croatian Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2013-2018
Figure 105: Croatian Life Insurance - Number of Direct Marketing Distributors, 2009-2013
Figure 106: Croatian Life Insurance - Number of Direct Marketing Distributors, 2013-2018
Figure 107: Croatian Life Insurance - Bancassurance Commission Paid (HRK Million), 2009-2013
Figure 108: Croatian Life Insurance - Bancassurance Commission Paid (HRK Million), 2013-2018
Figure 109: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Figure 110: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Figure 111: Croatian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2009-2013
Figure 112: Croatian Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2013-2018
Figure 113: Croatian Life Insurance - Number of Bancassurance Distributors, 2009-2013
Figure 114: Croatian Life Insurance - Number of Bancassurance Distributors, 2013-2018
Figure 115: Croatian Life Insurance - Commission Paid to Agencies (HRK Million), 2009-2013
Figure 116: Croatian Life Insurance - Commission Paid to Agencies (HRK Million), 2013-2018
Figure 117: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Figure 118: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Figure 119: Croatian Life Insurance - New Policies Sold Through Agencies (Thousand), 2009-2013
Figure 120: Croatian Life Insurance - New Policies Sold Through Agencies (Thousand), 2013-2018
Figure 121: Croatian Life Insurance - Number of Agencies, 2009-2013
Figure 122: Croatian Life Insurance - Number of Agencies, 2013-2018
Figure 123: Croatian Life Insurance - E-Commerce Commission Paid (HRK Thousand), 2009-2013
Figure 124: Croatian Life Insurance - E-Commerce Commission Paid (HRK Thousand), 2013-2018
Figure 125: Croatian Life Insurance - New Business Gross Written Premium (HRK Thousand), 2009-2013
Figure 126: Croatian Life Insurance - Gross Written Premium New Business (HRK Thousand), 2013-2018
Figure 127: Croatian Life Insurance - New Policies Sold Through E-Commerce, 2009-2013
Figure 128: Croatian Life Insurance - New Policies Sold Through E-Commerce, 2013-2018
Figure 129: Croatian Life Insurance - Number of E-Commerce Distributors, 2009-2013
Figure 130: Croatian Life Insurance - Number of E-Commerce Distributors, 2013-2018
Figure 131: Croatian Life Insurance - Commission Paid to Brokers (HRK Million), 2009-2013
Figure 132: Croatian Life Insurance - Commission Paid to Brokers (HRK Million), 2013-2018
Figure 133: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Figure 134: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Figure 135: Croatian Life Insurance - New Policies Sold Through Brokers (Thousand), 2009-2013
Figure 136: Croatian Life Insurance - New Policies Sold Through Brokers (Thousand), 2013-2018
Figure 137: Croatian Life Insurance - Number of Brokers, 2009-2013
Figure 138: Croatian Life Insurance - Number of Brokers, 2013-2018
Figure 139: Croatian Life Insurance - Commission Paid to Other Channels (HRK Million), 2009-2013
Figure 140: Croatian Life Insurance - Commission Paid to Other Channels (HRK Million), 2013-2018
Figure 141: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2009-2013
Figure 142: Croatian Life Insurance - New Business Gross Written Premium (HRK Million), 2013-2018
Figure 143: Croatian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2009-2013
Figure 144: Croatian Life Insurance - New Policies Sold Through Other Channels (Thousand), 2013-2018
Figure 145: Croatian Life Insurance - Number of Distributors in Other Channels, 2009-2013
Figure 146: Croatian Life Insurance - Number of Distributors in Other Channels, 2013-2018
Figure 147: Croatia - Insurance Regulatory Framework
Figure 148: Croatia - The Three Pillars of Solvency II
Figure 149: Croatia - Insurance Supervision and Control at Various Levels
Figure 150: Croatia - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 151: Shares of Key Insurers in the Croatian Life Insurance Segment (%), 2013