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Personal Accident and Health Insurance in Australia, Key Trends and Opportunities to 2020

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Date: 16-Apr-2016
No. of pages: 123
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Synopsis

Timetric's 'Personal Accident and Health Insurance in Australia, Key Trends and Opportunities to 2020' report provides detailed analysis of the market trends, drivers, challenges in the Australian 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 (2011-2015) and forecast period (2015-2020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Australian 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 Australia, Key Trends and Opportunities to 2020' report provides in-depth market analysis, information and insights into the Australian personal accident and health insurance segment, including:


  • The Australian 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 Australian economy and demographics

  • The various distribution channels in the Australian personal accident and health insurance segment

  • Details of the competitive landscape in the personal accident and health insurance segment in Australia

  • Details of regulatory policy applicable to the Australian insurance industry


Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in Australia:


  • It provides historical values for the Australian 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 Australian personal accident and health insurance segment, and market forecasts to 2020.

  • It profiles the leading personal accident and health insurance companies in Australia, 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 Australian personal accident and health insurance segment, and each category within it.

  • Understand the demand-side dynamics, key market trends and growth opportunities in the Australian 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 Australian insurance industry, and their impact on companies and the industry's future.


Key Highlights


  • The personal accident and health insurance segment accounted for 18.4% of the industry's gross written premium in 2015.

  • To maintain affordability and accessibility in private health insurance, under the Private Health Insurance Act, private health insurers are required to seek approval from the Minster of Health for any changes in premium.

  • Health insurers are expanding product portfolios beyond core health insurance to maintain their positions in the competitive environment.

  • Customers are increasingly using online platforms to make decisions about private health insurance

  • Australian health insurance is highly concentrated; the 10 leading insurers accounted for 91.2% of the gross written premium in 2014.

Personal Accident and Health Insurance in Australia, Key Trends and Opportunities to 2020

Table of Contents

1 Key Facts and Highlights

2 Executive Summary

3 Economy and Demographics

4 Personal Accident and Health Insurance Segment Outlook
4.1 Key Drivers
4.2 Key Trends
4.3 Challenges
4.4 Personal Accident and Health Insurance Growth Prospects by Category
4.4.1 Personal accident insurance
4.4.2 Travel insurance
4.4.3 Health insurance

5 Analysis by Distribution Channel

6 Competitive Landscape and Strategic Insights
6.1 Overview
6.2 Leading Companies in the Australian Health Insurance Category
6.2.1 Medibank Private Ltd - company overview
6.2.2 Bupa Australia Health Pty Ltd - company overview
6.2.3 The Hospitals Contribution Fund of Australia Ltd - company overview
6.2.4 nib Health Funds Ltd - company overview
6.2.5 HBF Health Ltd - company overview
6.2.6 Australian Unity Health Ltd - company overview
6.2.7 Teachers Federation Health Ltd - company overview
6.2.8 GMHBA Ltd - company overview
6.2.9 Defence Health Ltd - company overview
6.2.10 CBHS Health Fund Ltd - company overview

7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Latest Changes in 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 Aircraft passenger liability insurance
7.4.2 Motor third-party liability (MTPL) insurance regulations
7.4.3 Workmen's compensation insurance
7.5 Supervision and Control
7.5.1 International Association of Insurance Supervisors (IAIS)
7.5.2 Australian Prudential Regulation Authority
7.5.3 Australian Securities and Investment Commission
7.5.4 Financial Services Council (FSC)
7.5.5 Insurance Council of Australia
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 Definitions and Methodology
8.1 Definitions
8.2 Methodology

9 About Timetric
9.1 Contact Timetric
9.2 About Timetric
9.3 Timetric's Services
9.4 Disclaimer

List of Tables

Table 1: Australian Personal Accident and Health Insurance - Key Facts, 2015
Table 2: Australian Government Credit Ratings
Table 3: Australian Personal Accident and Health Insurance - Gross Written Premium by Category (AUD Billion), 2011-2015
Table 4: Australian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2011-2015
Table 5: Australian Personal Accident and Health Insurance - Gross Written Premium by Category (AUD Billion), 2015-2020
Table 6: Australian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2015-2020
Table 7: Australian Personal Accident and Health Insurance - Direct Written Premium by Category (AUD Billion), 2011-2015
Table 8: Australian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2011-2015
Table 9: Australian Personal Accident and Health Insurance - Direct Written Premium by Category (AUD Billion), 2015-2020
Table 10: Australian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2015-2020
Table 11: Australian Personal Accident and Health Insurance - Net Earned Premium (AUD Billion), 2011-2015
Table 12: Australian Personal Accident and Health Insurance - Net Earned Premium (AUD Billion), 2015-2020
Table 13: Australian Personal Accident and Health Insurance - Paid Claims by Category (AUD Billion), 2011-2015
Table 14: Australian Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2011-2015
Table 15: Australian Personal Accident and Health Insurance - Paid Claims by Category (AUD Billion), 2015-2020
Table 16: Australian Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2015-2020
Table 17: Australian Personal Accident and Health Insurance - Incurred Loss by Category (AUD Billion), 2011-2015
Table 18: Australian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2011-2015
Table 19: Australian Personal Accident and Health Insurance - Incurred Loss by Category (AUD Billion), 2015-2020
Table 20: Australian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2015-2020
Table 21: Australian Personal Accident and Health Insurance - Net Written Premium by Category (AUD Billion), 2011-2015
Table 22: Australian Personal Accident and Health Insurance - Net Written Premium by Category (US$ Billion), 2011-2015
Table 23: Australian Personal Accident and Health Insurance - Net Written Premium by Category (AUD Billion), 2015-2020
Table 24: Australian Personal Accident and Health Insurance - Net Written Premium by Category (US$ Billion), 2015-2020
Table 25: Australian Personal Accident and Health Insurance - Loss Ratio (%), 2011-2015
Table 26: Australian Personal Accident and Health Insurance - Loss Ratio (%), 2015-2020
Table 27: Australian Personal Accident and Health Insurance - Commission and Expenses (AUD Billion), 2011-2015
Table 28: Australian Personal Accident and Health Insurance - Commission and Expenses (AUD Billion), 2015-2020
Table 29: Australian Personal Accident and Health Insurance - Combined Ratio (%), 2011-2015
Table 30: Australian Personal Accident and Health Insurance - Combined Ratio (%), 2015-2020
Table 31: Australian Personal Accident and Health Insurance - Total Assets (AUD Billion), 2011-2015
Table 32: Australian Personal Accident and Health Insurance - Total Assets (AUD Billion), 2015-2020
Table 33: Australian Personal Accident and Health Insurance - Total Investment Income (AUD Million), 2011-2015
Table 34: Australian Personal Accident and Health Insurance - Total Investment Income (AUD Million), 2015-2020
Table 35: Australian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2011-2015
Table 36: Australian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2015-2020
Table 37: Australian Personal Accident Insurance - Direct Written Premium (AUD Billion), 2011-2015
Table 38: Australian Personal Accident Insurance - Direct Written Premium (AUD Billion), 2015-2020
Table 39: Australian Personal Accident Insurance - Loss Ratio (%), 2011-2015
Table 40: Australian Personal Accident Insurance - Loss Ratio (%), 2015-2020
Table 41: Australian Travel Insurance - Direct Written Premium (AUD Million), 2011-2015
Table 42: Australian Travel Insurance - Direct Written Premium (AUD Billion), 2015-2020
Table 43: Australian Travel Insurance - Loss Ratio (%), 2011-2015
Table 44: Australian Travel Insurance - Loss Ratio (%), 2015-2020
Table 45: Australian Health Insurance - Direct Written Premium (AUD Billion), 2011-2015
Table 46: Australian Health Insurance - Direct Written Premium (AUD Billion), 2015-2020
Table 47: Australian Health Insurance - Paid Claims (AUD Billion), 2011-2015
Table 48: Australian Non-Life Health Insurance - Paid Claims (AUD Billion), 2015-2020
Table 49: Australian Health Insurance - Loss Ratio (%), 2011-2015
Table 50: Australian Health Insurance - Loss Ratio (%), 2015-2020
Table 51: Australian Health Insurance - Category Shares, 2014
Table 52: Medibank Private Ltd - Key Facts
Table 53: Medibank Private Ltd - Key Financials (AUD Million), 2011-2015
Table 54: Bupa Australia Health Pty Ltd - Key Facts
Table 55: Bupa Australia Health Pty Ltd - Key Financials (AUD Million), 2011-2015
Table 56: The Hospitals Contribution Fund of Australia Ltd - Key Facts
Table 57: The Hospitals Contribution Fund of Australia Ltd - Key Financials (AUD Million), 2011-2015
Table 58: nib Health Funds Ltd - Key Facts
Table 59: nib Health Funds Ltd - Key Financials (AUD Million), 2011-2015
Table 60: HBF Health Ltd - Key Facts
Table 61: HBF Health Ltd - Key Financials (AUD Million), 2011-2015
Table 62: Australian Unity Health Ltd - Key Facts
Table 63: Australian Unity Health Ltd - Key Financials (AUD Million), 2011-2015
Table 64: Teachers Federation Health Ltd - Key Facts
Table 65: Teachers Federation Health Ltd - Key Financials (AUD Million), 2011-2015
Table 66: GMHBA Ltd - Key Facts
Table 67: GMHBA Ltd - Key Financials (AUD Million), 2011-2015
Table 68: Defence Health Ltd - Key Facts
Table 69: Defence Health Ltd - Key Financials (AUD Million), 2011-2015
Table 70: CBHS Health Fund Ltd - Key Facts
Table 71: CBHS Health Fund Ltd - Key Financials (AUD Million), 2011-2015
Table 72: Australia - Insurance Regulatory Framework Key Features
Table 73: Australia - Life Insurance Regulatory Framework
Table 74: Australia - Property Insurance Regulatory Framework
Table 75: Australia - Motor Insurance Regulatory Framework
Table 76: Australia - Liability Insurance Regulatory Framework
Table 77: Australia - Corporate Tax Rates for the Financial Year 2016
Table 78: Insurance Industry Definitions

List of Figures

Figure 1: Australian Real GDP, 2011-2020
Figure 2: Australian AUD-US$ Exchange Rate, 2011-2020
Figure 3: Australian Consumer Price Inflation, 2011-2020
Figure 4: Australian Current Account Balance (% of GDP), 2011-2020
Figure 5: Australian Unemployment Rate, 2011-2020
Figure 6: Australian Population by Age Group, 1990-2025
Figure 7: Australian Personal Accident and Health Insurance - Gross Written Premium by Category (AUD Billion), 2011-2020
Figure 8: Australian Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2015 and 2020
Figure 9: Australian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2011-2020
Figure 10: Australian Personal Accident and Health Insurance - Direct Written Premium by Category (AUD Billion), 2011-2020
Figure 11: Australian Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2015 and 2020
Figure 12: Australian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2011-2020
Figure 13: Australian Personal Accident and Health Insurance - Net Earned Premium (AUD Billion), 2011-2015
Figure 14: Australian Personal Accident and Health Insurance - Net Earned Premium (AUD Billion), 2015-2020
Figure 15: Australian Personal Accident and Health Insurance - Paid Claims by Category (AUD Billion), 2011-2020
Figure 16: Australian Personal Accident and Health Insurance - Incurred Loss by Category (AUD Billion), 2011-2020
Figure 17: Australian Personal Accident and Health Insurance - Net Written Premium by Category (AUD Billion), 2011-2020
Figure 18: Australian Personal Accident and Health Insurance - Loss Ratio (%), 2011-2015
Figure 19: Australian Personal Accident and Health Insurance - Loss Ratio (%), 2015-2020
Figure 20: Australian Personal Accident and Health Insurance - Commission and Expenses (AUD Billion), 2011-2015
Figure 21: Australian Personal Accident and Health Insurance - Commission and Expenses (AUD Billion), 2015-2020
Figure 22: Australian Personal Accident and Health Insurance - Combined Ratio (%), 2011-2015
Figure 23: Australian Personal Accident and Health Insurance - Combined Ratio (%), 2015-2020
Figure 24: Australian Personal Accident and Health Insurance - Total Assets (AUD Billion), 2011-2015
Figure 25: Australian Personal Accident and Health Insurance - Total Assets (AUD Billion), 2015-2020
Figure 26: Australian Personal Accident and Health Insurance - Total Investment Income (AUD Million), 2011-2015
Figure 27: Australian Personal Accident and Health Insurance - Total Investment Income (AUD Million), 2015-2020
Figure 28: Australian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2011-2015
Figure 29: Australian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2015-2020
Figure 30: Australian Personal Accident and Health Insurance - Investment Portfolio (AUD Billion), 2011-2015
Figure 31: Australian Personal Accident and Health Insurance - Investment Portfolio (% Share), 2011 and 2015
Figure 32: Australian Personal Accident and Health Insurance - Penetration (%), 2011-2015
Figure 33: Australian Personal Accident and Health Insurance - Direct Premium per Capita (AUD), 2011-2015
Figure 34: Australian Personal Accident Insurance - Direct Written Premium (AUD Billion), 2011-2015
Figure 35: Australian Personal Accident Insurance - Direct Written Premium (AUD Billion), 2015-2020
Figure 36: Australian Personal Accident Insurance - Loss Ratio (%), 2011-2015
Figure 37: Australian Personal Accident Insurance - Loss Ratio (%), 2015-2020
Figure 38: Australian Travel Insurance - Direct Written Premium (AUD Million), 2011-2015
Figure 39: Australian Travel Insurance - Direct Written Premium (AUD Billion), 2015-2020
Figure 40: Australian Travel Insurance - Loss Ratio (%), 2011-2015
Figure 41: Australian Travel Insurance - Loss Ratio (%), 2015-2020
Figure 42: Australian Health Insurance - Direct Written Premium (AUD Billion), 2011-2015
Figure 43: Australian Health Insurance - Direct Written Premium (AUD Billion), 2015-2020
Figure 44: Australian Health Insurance - Paid Claims (AUD Billion), 2011-2015
Figure 45: Australian Health Insurance - Paid Claims (AUD Billion), 2015-2020
Figure 46: Australian Health Insurance - Loss Ratio (%), 2011-2015
Figure 47: Australian Health Insurance - Loss Ratio (%), 2015-2020
Figure 48: Australian Health Insurance - Category Shares (%), 2014
Figure 49: Australia - Insurance Supervision and Control at Various Levels
Figure 50: Australia - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 51: Australia - Three Pillars of Lagic Reform

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