Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2019
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 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
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-commerce
6.5 Brokers
6.6 Other Channels
7 Competitive Landscape and Strategic Insights
7.1 Overview
7.2 Leading Companies in the Portuguese Personal Accident and Health Insurance Segment
7.2.1 Fidelidade Companhia de Seguros SA - company overview
7.2.2 GNB Vida Companhia de Seguros SA - company overview
7.2.3 Ocidental ? Companhia Portuguesa de Seguros de Vida SA - company overview
7.2.4 Santander Totta Seguros - Companhia de Seguros de Vida - company overview
7.2.5 Eurovida - Companhia de Seguros de Vida SA - company overview
7.2.6 Companhia de Seguros Allianz Portugal SA - company overview
7.2.7 Companhia de Seguros Tranquilidade SA - company overview
7.2.8 Axa Portugal Companhia de Seguros SA - company overview
7.2.9 Companhia de Seguros Açoreana SA - company overview
7.2.10 Lusitania Vida - Companhia de Seguros SA - company overview
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Latest Changes in Regulations
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 Motor vehicle third-party liability insurance
8.4.2 Fire insurance for property damage
8.4.3 Air carriers and aircraft operators insurance
8.4.4 Professional indemnity insurance for alternative investment fund managers
8.5 Supervision and Control
8.5.1 International regulatory authority
8.5.2 European Insurance and Occupational Pensions Authority
8.5.3 Insurance and Pension Fund Supervision Authority
8.5.4 Portuguese Association of Insurers
8.5.5 Federation of European Risk Management Associations (FERMA)
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: Portuguese Personal Accident and Health Insurance - Key Facts, 2014
Table 2: Insurance Industry Definitions
Table 3: Portuguese Government Credit Ratings
Table 4: Portuguese Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Million), 2010-2014
Table 5: Portuguese Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2010-2014
Table 6: Portuguese Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Million), 2014-2019
Table 7: Portuguese Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2014-2019
Table 8: Portuguese Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Million), 2010-2014
Table 9: Portuguese Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2010-2014
Table 10: Portuguese Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Million), 2014-2019
Table 11: Portuguese Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2014-2019
Table 12: Portuguese Personal Accident and Health Insurance - Net Earned Premium (EUR Million), 2010-2014
Table 13: Portuguese Personal Accident and Health Insurance - Net Earned Premium (EUR Million), 2014-2019
Table 14: Portuguese Personal Accident and Health Insurance - Paid Claims by Category (EUR Million), 2010-2014
Table 15: Portuguese Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2010-2014
Table 16: Portuguese Personal Accident and Health Insurance - Paid Claims by Category (EUR Million), 2014-2019
Table 17: Portuguese Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2014-2019
Table 18: Portuguese Personal Accident and Health Insurance - Incurred Loss by Category (EUR Million), 2010-2014
Table 19: Portuguese Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2010-2014
Table 20: Portuguese Personal Accident and Health Insurance - Incurred Loss by Category (EUR Million), 2014-2019
Table 21: Portuguese Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2014-2019
Table 22: Portuguese Personal Accident and Health Insurance - Net Written Premium by Category (EUR Million), 2010-2014
Table 23: Portuguese Personal Accident and Health Insurance - Net Written Premium by Category (US$ Million), 2010-2014
Table 24: Portuguese Personal Accident and Health Insurance - Net Written Premium by Category (EUR Million), 2014-2019
Table 25: Portuguese Personal Accident and Health Insurance - Net Written Premium by Category (US$ Million), 2014-2019
Table 26: Portuguese Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
Table 27: Portuguese Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
Table 28: Portuguese Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2010-2014
Table 29: Portuguese Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2014-2019
Table 30: Portuguese Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
Table 31: Portuguese Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
Table 32: Portuguese Personal Accident and Health Insurance - Number of Policies per Capita, 2010-2014
Table 33: Portuguese Personal Accident and Health Insurance - Number of Policies per Capita, 2014-2019
Table 34: Portuguese Personal Accident and Health Insurance - Total Assets (EUR Billion), 2010-2014
Table 35: Portuguese Personal Accident and Health Insurance - Total Assets (EUR Billion), 2014-2019
Table 36: Portuguese Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2010-2014
Table 37: Portuguese Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2014-2019
Table 38: Portuguese Personal Accident and Health Insurance - Net Written Premium (Percentage of Gross Written Premium), 2010-2014
Table 39: Portuguese Personal Accident and Health Insurance - Net Written Premium (Percentage of Gross Written Premium), 2014-2019
Table 40: Portuguese Personal Accident Insurance - Number of Policies Sold (Million), 2010-2014
Table 41: Portuguese Personal Accident Insurance - Number of Policies Sold (Million), 2014-2019
Table 42: Portuguese Personal Accident Insurance - Direct Written Premium (EUR Million), 2010-2014
Table 43: Portuguese Personal Accident Insurance - Direct Written Premium (EUR Million), 2014-2019
Table 44: Portuguese Personal Accident Insurance - Loss Ratio (%), 2010-2014
Table 45: Portuguese Personal Accident Insurance - Loss Ratio (%), 2014-2019
Table 46: Portuguese Travel Insurance - Number of Policies Sold (Thousand), 2010-2014
Table 47: Portuguese Travel Insurance - Number of Policies Sold (Thousand), 2014-2019
Table 48: Portuguese Travel Insurance - Direct Written Premium (EUR Million), 2010-2014
Table 49: Portuguese Travel Insurance - Direct Written Premium (EUR Million), 2014-2019
Table 50: Portuguese Travel Insurance - Loss Ratio (%), 2010-2014
Table 51: Portuguese Travel Insurance - Loss Ratio (%), 2014-2019
Table 52: Portuguese Health Insurance - Number of Policies Sold (Thousand), 2010-2014
Table 53: Portuguese Health Insurance - Number of Policies Sold (Thousand), 2014-2019
Table 54: Portuguese Health Insurance - Direct Written Premium (EUR Million), 2010-2014
Table 55: Portuguese Health Insurance - Direct Written Premium (EUR Million), 2014-2019
Table 56: Portuguese Health Insurance - Paid Claim (EUR Million), 2010-2014
Table 57: Portuguese Health Insurance - Paid Claim (EUR Million), 2014-2019
Table 58: Portuguese Health Insurance - Loss Ratio (%), 2010-2014
Table 59: Portuguese Health Insurance - Loss Ratio (%), 2014-2019
Table 60: Portuguese Health Insurance - Net Written Premium (EUR Million), 2010-2014
Table 61: Portuguese Health Insurance - Net Written Premium (EUR Million), 2014-2019
Table 62: Portuguese Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2010-2014
Table 63: Portuguese Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2014-2019
Table 64: Portuguese Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Million), 2010-2014
Table 65: Portuguese Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Million), 2014-2019
Table 66: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Thousand), 2010-2014
Table 67: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Thousand), 2014-2019
Table 68: Portuguese Personal Accident and Health Insurance - Sales Force, 2010-2014
Table 69: Portuguese Personal Accident and Health Insurance - Sales Force, 2014-2019
Table 70: Portuguese Personal Accident and Health Insurance - Bancassurance Value of Commission (EUR Million), 2010-2014
Table 71: Portuguese Personal Accident and Health Insurance - Bancassurance Value of Commission (EUR Million), 2014-2019
Table 72: Portuguese Personal Accident and Health Insurance - Bancassurance Direct Written Premium (EUR Million), 2010-2014
Table 73: Portuguese Personal Accident and Health Insurance - Bancassurance Direct Written Premium (EUR Million), 2014-2019
Table 74: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Bancassurance (Thousand), 2010-2014
Table 75: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Bancassurance (Thousand), 2014-2019
Table 76: Portuguese Personal Accident and Health Insurance - Number of Banking Entities, 2010-2014
Table 77: Portuguese Personal Accident and Health Insurance - Number of Banking Entities, 2014-2019
Table 78: Portuguese Personal Accident and Health Insurance - Number of Insurance Agents, 2010-2014
Table 79: Portuguese Personal Accident and Health Insurance - Number of Insurance Agents, 2014-2019
Table 80: Portuguese Personal Accident and Health Insurance - E-Commerce Value of Commission (EUR Thousand), 2010-2014
Table 81: Portuguese Personal Accident and Health Insurance - E-Commerce Value of Commission (EUR Thousand), 2014-2019
Table 82: Portuguese Personal Accident and Health Insurance - E-Commerce Direct Written Premium (EUR Million), 2010-2014
Table 83: Portuguese Personal Accident and Health Insurance - E-Commerce Direct Written Premium (EUR Million), 2014-2019
Table 84: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through E-Commerce (Thousand), 2010-2014
Table 85: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through E-Commerce (Thousand), 2014-2019
Table 86: Portuguese Personal Accident and Health Insurance - Number of Insurance Brokers, 2010-2014
Table 87: Portuguese Personal Accident and Health Insurance - Number of Insurance Brokers, 2014-2019
Table 88: Portuguese Personal Accident and Health Insurance - Other Channels' Value of Commission (EUR Million), 2010-2014
Table 89: Portuguese Personal Accident and Health Insurance - Other Channels' Value of Commission (EUR Million), 2014-2019
Table 90: Portuguese Personal Accident and Health Insurance - Other Channels' Direct Written Premium (EUR Million), 2010-2014
Table 91: Portuguese Personal Accident and Health Insurance - Other Channels' Direct Written Premium (EUR Million), 2014-2019
Table 92: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Other Channels (Million), 2010-2014
Table 93: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Other Channels (Million), 2014-2019
Table 94: Portuguese Personal Accident and Health Insurance - Companies Operating in the Segment
Table 95: Fidelidade Companhia de Seguros SA, Key Facts
Table 96: GNB Vida Companhia de Seguros SA, Key Facts
Table 97: Ocidental - Companhia Portuguesa de Seguros de Vida SA, Key Facts
Table 98: Santander Totta Seguros - Companhia de Seguros de Vida, Key Facts
Table 99: Eurovida - Companhia de Seguros de Vida, SA, Key Facts
Table 100: Companhia de Seguros Allianz Portugal SA, Key Facts
Table 101: Companhia de Seguros Tranquilidade SA - Key Facts
Table 102: Axa Portugal Companhia de Seguros SA - Key Facts
Table 103: Companhia de Seguros Açoreana, SA - Key Facts
Table 104: Lusitania Vida - Companhia de Seguros SA, Key Facts
Table 105: Portugal - Insurance Regulatory Framework Key Features
Table 106: Portugal - Life Insurance Regulatory Framework
Table 107: Portugal - Property Insurance Regulatory Framework
Table 108: Portugal - Motor Insurance Regulatory Framework
Table 109: Portugal - Liability Insurance Regulatory Framework
Table 110: Portugal - Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
Table 111: Portugal - Stamp Duty on Insurance Premium
Table 112: Portugal - Corporate Tax Rates for the Financial Year 2015
List of Figures
Figure 1: Portuguese Real GDP (US$ Billion), 2010-2019
Figure 2: EUR - US$ Exchange Rate, 2010-2019
Figure 3: Portuguese Consumer Price Inflation, 2010-2019
Figure 4: Portuguese Current Account Balance as a Percentage of GDP (%), 2010-2019
Figure 5: Portuguese Unemployment Rate, 2010-2019
Figure 6: Portuguese Population by Age Group, 1990-2025
Figure 7: Portuguese Outbound Tourists (Million), 2010-2014
Figure 8: Portuguese Life Expectancy (Years), 2010-2014
Figure 9: Portuguese Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Million), 2010-2019
Figure 10: Portuguese Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2014 and 2019
Figure 11: Portuguese Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 12: Portuguese Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Million), 2010-2019
Figure 13: Portuguese Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2014 and 2019
Figure 14: Portuguese Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 15: Portuguese Personal Accident and Health Insurance - Net Earned Premium (EUR Million), 2010-2014
Figure 16: Portuguese Personal Accident and Health Insurance - Net Earned Premium (EUR Million), 2014-2019
Figure 17: Portuguese Personal Accident and Health Insurance - Paid Claims by Category (EUR Million), 2010-2019
Figure 18: Portuguese Personal Accident and Health Insurance - Incurred Loss by Category (EUR Million), 2010-2019
Figure 19: Portuguese Personal Accident and Health Insurance - Net Written Premium by Category (EUR Million), 2010-2019
Figure 20: Portuguese Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
Figure 21: Portuguese Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
Figure 22: Portuguese Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2010-2014
Figure 23: Portuguese Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2014-2019
Figure 24: Portuguese Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
Figure 25: Portuguese Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
Figure 26: Portuguese Personal Accident and Health Insurance - Number of Policies per Capita, 2010-2014
Figure 27: Portuguese Personal Accident and Health Insurance - Number of Policies per Capita, 2014-2019
Figure 28: Portuguese Personal Accident and Health Insurance - Total Assets (EUR Billion), 2010-2014
Figure 29: Portuguese Personal Accident and Health Insurance - Total Assets (EUR Billion), 2014-2019
Figure 30: Portuguese Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2010-2014
Figure 31: Portuguese Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2014-2019
Figure 32: Portuguese Personal Accident and Health Insurance - Net Written Premium (Percentage of Gross Written Premium), 2010-2014
Figure 33: Portuguese Personal Accident and Health Insurance - Net Written Premium (Percentage of Gross Written Premium), 2014-2019
Figure 34: Portuguese Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2010-2014
Figure 35: Portuguese Personal Accident and Health Insurance - Investment Portfolio (Percentage Share), 2010 and 2014
Figure 36: Portuguese Personal Accident and Health Insurance Penetration (%), 2010-2014
Figure 37: Portuguese Personal Accident and Health Insurance - Number of Policies Sold (Million), 2010-2014
Figure 38: Portuguese Personal Accident and Health Insurance - Number of Policies Sold (Million), 2014-2019
Figure 39: Portuguese Personal Accident and Health Insurance - Direct Premium per Capita (EUR), 2010-2014
Figure 40: Portuguese Personal Accident Insurance - Number of Policies Sold (Million), 2010-2014
Figure 41: Portuguese Personal Accident Insurance - Number of Policies Sold (Million), 2014-2019
Figure 42: Portuguese Personal Accident Insurance - Direct Written Premium (EUR Million), 2010-2014
Figure 43: Portuguese Personal Accident Insurance - Direct Written Premium (EUR Million), 2014-2019
Figure 44: Portuguese Personal Accident Insurance - Loss Ratio (%), 2010-2014
Figure 45: Portuguese Personal Accident Insurance - Loss Ratio (%), 2014-2019
Figure 46: Portuguese Travel Insurance - Number of Policies Sold (Thousand), 2010-2014
Figure 47: Portuguese Travel Insurance - Number of Policies Sold (Thousand), 2014-2019
Figure 48: Portuguese Travel Insurance - Direct Written Premium (EUR Million), 2010-2014
Figure 49: Portuguese Travel Insurance - Direct Written Premium (EUR Million), 2014-2019
Figure 50: Portuguese Travel Insurance - Loss Ratio (%), 2010-2014
Figure 51: Portuguese Travel Insurance - Loss Ratio (%), 2014-2019
Figure 52: Portuguese Health Insurance - Number of Policies Sold (Thousand), 2010-2014
Figure 53: Portuguese Health Insurance - Number of Policies Sold (Thousand), 2014-2019
Figure 54: Portuguese Health Insurance - Direct Written Premium (EUR Million), 2010-2014
Figure 55: Portuguese Non-Life Health Insurance - Direct Written Premium (EUR Million), 2014-2019
Figure 56: Portuguese Health Insurance - Paid Claim (EUR Million), 2010-2014
Figure 57: Portuguese Health Insurance - Paid Claim (EUR Million), 2014-2019
Figure 58: Portuguese Health Insurance - Loss Ratio (%), 2010-2014
Figure 59: Portuguese Health Insurance - Loss Ratio (%), 2014-2019
Figure 60: Portuguese Health Insurance - Net Written Premium (EUR Million), 2010-2014
Figure 61: Portuguese Health Insurance - Net Written Premium (EUR Million), 2014-2019
Figure 62: Portuguese Personal Accident and Health Insurance - Gross Written Premium by Distribution Channel (Percentage Share), 2014 and 2019
Figure 63: Portuguese Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2010-2014
Figure 64: Portuguese Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2014-2019
Figure 65: Portuguese Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Million), 2010-2014
Figure 66: Portuguese Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Million), 2014-2019
Figure 67: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Thousand), 2010-2014
Figure 68: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Thousand), 2014-2019
Figure 69: Portuguese Personal Accident and Health Insurance - Sales Force, 2010-2014
Figure 70: Portuguese Personal Accident and Health Insurance - Sales Force, 2014-2019
Figure 71: Portuguese Personal Accident and Health Insurance - Bancassurance Value of Commission (EUR Million), 2010-2014
Figure 72: Portuguese Personal Accident and Health Insurance - Bancassurance Value of Commission (EUR Million), 2014-2019
Figure 73: Portuguese Personal Accident and Health Insurance - Bancassurance Direct Written Premium (EUR Million), 2010-2014
Figure 74: Portuguese Personal Accident and Health Insurance - Bancassurance Direct Written Premium (EUR Million), 2014-2019
Figure 75: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Bancassurance (Thousand), 2010-2014
Figure 76: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Bancassurance (Thousand), 2014-2019
Figure 77: Portuguese Personal Accident and Health Insurance - Number of Banking Entities, 2010-2014
Figure 78: Portuguese Personal Accident and Health Insurance - Number of Banking Entities, 2014-2019
Figure 79: Portuguese Personal Accident and Health Insurance - Number of Insurance Agents, 2010-2014
Figure 80: Portuguese Personal Accident and Health Insurance - Number of Insurance Agents, 2014-2019
Figure 81: Portuguese Personal Accident and Health Insurance - E-Commerce Value of Commission (EUR Thousand), 2010-2014
Figure 82: Portuguese Personal Accident and Health Insurance - E-Commerce Value of Commission (EUR Thousand), 2014-2019
Figure 83: Portuguese Personal Accident and Health Insurance - E-Commerce Direct Written Premium (EUR Million), 2010-2014
Figure 84: Portuguese Personal Accident and Health Insurance - E-Commerce Direct Written Premium (EUR Million), 2014-2019
Figure 85: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through E-Commerce (Thousand), 2010-2014
Figure 86: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through E-Commerce (Thousand), 2014-2019
Figure 87: Portuguese Personal Accident and Health Insurance - Number of Insurance Brokers, 2010-2014
Figure 88: Portuguese Personal Accident and Health Insurance - Number of Insurance Brokers, 2014-2019
Figure 89: Portuguese Personal Accident and Health Insurance - Other Channels' Value of Commission (EUR Million), 2010-2014
Figure 90: Portuguese Personal Accident and Health Insurance - Other Channels' Value of Commission (EUR Million), 2014-2019
Figure 91: Portuguese Personal Accident and Health Insurance - Other Channels' Direct Written Premium (EUR Million), 2010-2014
Figure 92: Portuguese Personal Accident and Health Insurance - Other Channels' Direct Written Premium (EUR Million), 2014-2019
Figure 93: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Other Channels (Million), 2010-2014
Figure 94: Portuguese Personal Accident and Health Insurance - Number of Policies Sold Through Other Channels (Million), 2014-2019
Figure 95: Portugal - The Three Pillars of Solvency II
Figure 96: Portugal - Insurance Supervision and Control at Various Levels
Figure 97: Portugal - Insurance Regulatory Frameworks for Company Registration and Operation
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