Personal Accident and Health Insurance in the Netherlands, Key Trends and Opportunities to 2018
Table of Contents
1 Key Facts and Events
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Dutch Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009-2018
5 Personal Accident and Health Insurance Segment Outlook
5.1 Consumer Segmentation
5.2 Key Drivers
5.3 Key Trends
5.4 Challenges
5.5 Personal Accident and Health Insurance Growth Prospects by Category
5.5.1 Personal accident insurance
5.5.2 Travel insurance
5.5.3 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 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Legislation and Market Practice by Type of Insurance
7.2.1 Life insurance
7.2.2 Property insurance
7.2.3 Motor insurance
7.2.4 Marine, aviation and transit insurance
7.2.5 Personal accident and health insurance
7.3 Compulsory Insurance
7.3.1 Marine insurance
7.3.2 Aviation liability insurance
7.3.3 Motor third-party liability insurance
7.3.4 Health insurance
7.3.5 Social insurance system
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
7.4.3 The Authority for the Financial Markets (AFM)
7.4.4 Dutch Central Bank (DNB)
7.5 Non-Admitted Insurance Regulations
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Withholding taxes on premium paid overseas
7.7.3 Corporate tax
7.7.4 VAT
7.7.5 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Dutch Personal Accident and Health Insurance Segment
8.3 Comparison of the Top Five Insurers
8.3.1 Gross written premium
8.3.2 Net earned premium
8.3.3 Gross claims
8.3.4 Total assets
8.3.5 Investment Income
8.4 Leading Personal accident and health Insurers - New Product Launches
8.5 Leading Personal Accident and Health Insurers - Key Developments
8.6 Centrale Zorgverzekeraars Groep, Zorgverzekeraaru.a. OWM - Company Overview
8.6.1 Centrale Zorgverzekeraars Groep, Zorgverzekeraaru.a. OWM - key facts
8.6.2 Centrale Zorgverzekeraars Groep, Zorgverzekeraaru.a. OWM - key financials
8.7 Zilveren Kruis Achmea Zorgverzekeringen NV - Company Overview
8.7.1 Zilveren Kruis Achmea Zorgverzekeringen NV - key facts
8.7.2 Zilveren Kruis Achmea Zorgverzekeringen NV - key financials
8.8 VGZ Zorgverzekeraar NV - Company Overview
8.8.1 VGZ Zorgverzekeraar NV - key facts
8.8.2 VGZ Zorgverzekeraar NV - key financials
8.9 Menzis Zorgverzekeraar NV - Company Overview
8.9.1 Menzis Zorgverzekeraar NV - key facts
8.9.2 Menzis Zorgverzekeraar NV - key financials
8.1 Agis Zorgverzekeringen NV - Company Overview
8.10.1 Agis Zorgverzekeringen NV - key facts
8.10.2 Agis Zorgverzekeringen NV - key financials
8.11 Univé Zorg NV - Company Overview
8.11.1 Univé Zorg NV - key facts
8.11.2 Univé Zorg NV - key financials
8.12 IZA Zorgverzekeraar NV - Company Overview
8.12.1 IZA Zorgverzekeraar NV - key facts
8.12.2 IZA Zorgverzekeraar NV - key financials
8.13 De Friesland Zorgverzekeraar NV - Company Overview
8.13.1 De Friesland Zorgverzekeraar NV - key facts
8.14 Zorg en Zekerheid Zorgverzekeraarua OWM - Company Overview
8.14.1 Zorg en Zekerheid Zorgverzekeraarua OWM - key facts
8.15 IZZ Zorgverzekeraar NV - Company Overview
8.15.1 IZZ Zorgverzekeraar NV - key facts
9 Appendix - 1
9.1 Economic Performance
9.1.1 GDP at constant prices (US$)
9.1.2 GDP per capita at constant prices (US$)
9.1.3 GDP at current prices (US$)
9.1.4 GDP per capita at current prices (US$)
9.1.5 GDP by sector
9.1.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
9.1.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
9.1.8 Manufacturing net output at current prices (US$)
9.1.9 Manufacturing net output at current prices as a percentage of GDP
9.1.10 Mining, manufacturing and utilities at current prices (US$)
9.1.11 Mining, manufacturing and utilities at current prices as a percentage of GDP
9.1.12 Construction net output at current prices (US$)
9.1.13 Construction net output at current prices as a percentage of GDP
9.1.14 Inflation rate
9.1.15 Exports as a percentage of GDP
9.1.16 Imports as a percentage of GDP
9.1.17 Merchandise exports growth
9.1.18 Merchandise imports growth
9.1.19 Annual average exchange rate EUR-US$
9.2 Infrastructure
9.2.1 Commercial vehicle exports - total value
9.2.2 Commercial vehicle imports - total value
9.2.3 Automotive exports - total value
9.2.4 Automotive imports - total value
9.2.5 Total internet subscribers
9.3 Labour Force
9.3.1 Labor force
9.3.2 Unemployment rate
9.4 Demographics
9.4.1 Gross national disposable income (US$)
9.4.2 Household consumption expenditure (US$)
9.4.3 Total population
9.4.4 Urban and rural populations
9.4.5 Age distribution of the total population
9.4.6 Life expectancy
10 Appendix - 2
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric's Services
10.5 Disclaimer
List of Tables
Table 1: Dutch Personal Accident and Health Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Dutch Insurance - Gross Written Premium by Segment (EUR Billion), 2009-2013
Table 4: Dutch Insurance - Gross Written Premium by Segment (US$ Billion), 2009-2013
Table 5: Dutch Insurance - Gross Written Premium by Segment (EUR Billion), 2013-2018
Table 6: Dutch Insurance - Gross Written Premium by Segment (US$ Billion), 2013-2018
Table 7: Dutch Insurance - Segmentation, Gross Written Premium (Percentage Share), 2009-2018
Table 8: Dutch Insurance - Direct Written Premium by Segment (EUR Billion), 2009-2013
Table 9: Dutch Insurance - Direct Written Premium by Segment (US$ Billion), 2009-2013
Table 10: Dutch Insurance - Direct Written Premium by Segment (EUR Billion), 2013-2018
Table 11: Dutch Insurance - Direct Written Premium by Segment (US$ Billion), 2013-2018
Table 12: Dutch Insurance - Segmentation, Direct Written Premium (Percentage Share), 2009-2018
Table 13: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Billion), 2009-2013
Table 14: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 15: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Billion), 2013-2018
Table 16: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 17: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2009-2013
Table 18: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2009-2013
Table 19: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2013-2018
Table 20: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2013-2018
Table 21: Dutch Personal Accident and Health Insurance - Earned Premium (EUR Billion), 2009-2013
Table 22: Dutch Personal Accident and Health Insurance - Earned Premium (EUR Billion), 2013-2018
Table 23: Dutch Personal Accident and Health Insurance - Paid Claims by Category (EUR Billion), 2009-2013
Table 24: Dutch Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2009-2013
Table 25: Dutch Personal Accident and Health Insurance - Paid Claims by Category (EUR Billion), 2013-2018
Table 26: Dutch Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2013-2018
Table 27: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (EUR Billion), 2009-2013
Table 28: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2009-2013
Table 29: Dutch Personal Accident and Health Insurance -Incurred Loss by Category (EUR Billion), 2013-2018
Table 30: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2013-2018
Table 31: Dutch Personal Accident and Health Insurance - Retentions by Category (EUR Billion), 2009-2013
Table 32: Dutch Personal Accident and Health Insurance - Retentions by Category (US$ Billion), 2009-2013
Table 33: Dutch Personal Accident and Health Insurance - Retentions by Category (EUR Billion), 2013-2018
Table 34: Dutch Personal Accident and Health Insurance - Retentions by Category (US$ Billion), 2013-2018
Table 35: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Table 36: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Table 37: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2009-2013
Table 38: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2013-2018
Table 39: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Table 40: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Table 41: Dutch Personal Accident and Health Insurance - Fraud and Crime (EUR Billion), 2009-2013
Table 42: Dutch Personal Accident and Health Insurance - Fraud and Crime (EUR Billion), 2013-2018
Table 43: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2009-2013
Table 44: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2013-2018
Table 45: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2009-2013
Table 46: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2013-2018
Table 47: Dutch Personal Accident and Health Insurance - Retentions (EUR Billion), 2009-2013
Table 48: Dutch Personal Accident and Health Insurance - Retentions (EUR Billion), 2013-2018
Table 49: Dutch Personal Accident Insurance - Number of Policies Sold (Million), 2009-2013
Table 50: Dutch Personal Accident Insurance - Number of Policies Sold (Million), 2013-2018
Table 51: Dutch Personal Accident Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 52: Dutch Personal Accident Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 53: Dutch Personal Accident Insurance - Loss Ratio (%), 2009-2013
Table 54: Dutch Personal Accident Insurance - Loss Ratio (%), 2013-2018
Table 55: Dutch Travel Insurance - Number of Policies Sold (Million), 2009-2013
Table 56: Dutch Travel Insurance - Number of Policies Sold (Million), 2013-2018
Table 57: Dutch Travel Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 58: Dutch Travel Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 59: Dutch Travel Insurance - Loss Ratio (%), 2009-2013
Table 60: Dutch Travel Insurance - Loss Ratio (%), 2013-2018
Table 61: Dutch Health Insurance - Number of Policies Sold (Million), 2009-2013
Table 62: Dutch Health Insurance - Number of Policies Sold (Million), 2013-2018
Table 63: Dutch Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 64: Dutch Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 65: Dutch Health Insurance - Direct Written Premium (EUR Billion), 2009-2013
Table 66: Dutch Health Insurance - Direct Written Premium (EUR Billion), 2013-2018
Table 67: Dutch Non-Life Health Insurance - Loss Ratio (%), 2009-2013
Table 68: Dutch Non-Life Health Insurance - Loss Ratio (%), 2013-2018
Table 69: Dutch Health Insurance - Retentions (EUR Billion), 2009-2013
Table 70: Dutch Health Insurance - Retentions (EUR Billion), 2013-2018
Table 71: Dutch Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Table 72: Dutch Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Table 73: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 74: Dutch Personal Accident and Health Insurance - Gross Written Premium (EURBillion), 2013-2018
Table 75: Dutch Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Million),2009-2013
Table 76: Dutch Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Million),2013-2018
Table 77: Dutch Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 78: Dutch Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 79: Dutch Personal Accident and Health Insurance - Bancassurance Commission Paid(EUR Million), 2009-2013
Table 80: Dutch Personal Accident and Health Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Table 81: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 82: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 83: Dutch Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Million), 2009-2013
Table 84: Dutch Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Million), 2013-2018
Table 85: Dutch Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Table 86: Dutch Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Table 87: Dutch Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2009-2013
Table 88: Dutch Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2013-2018
Table 89: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 90: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 91: Dutch Personal Accident and Health Insurance - Policies Sold Through Agencies (Million), 2009-2013
Table 92: Dutch Personal Accident and Health Insurance - Policies Sold Through Agencies (Million), 2013-2018
Table 93: Dutch Personal Accident and Health Insurance - Number of Agencies, 2009-2013
Table 94: Dutch Personal Accident and Health Insurance - Number of Agencies, 2013-2018
Table 95: Dutch Personal Accident and Health Insurance - E-Commerce Commission Paid (EUR Million), 2009-2013
Table 96: Dutch Personal Accident and Health Insurance - E-Commerce Commission Paid(EUR Million), 2013-2018
Table 97: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 98: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 99: Dutch Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Million), 2009-2013
Table 100: Dutch Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Million), 2013-2018
Table 101: Dutch Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Table 102: Dutch Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Table 103: Dutch Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Table 104: Dutch Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Table 105: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 106: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 107: Dutch Personal Accident and Health Insurance - Policies Sold Through Brokers (Million), 2009-2013
Table 108: Dutch Personal Accident and Health Insurance - Policies Sold Through Brokers (Million), 2013-2018
Table 109: Dutch Personal Accident and Health Insurance - Number of Brokers, 2009-2013
Table 110: Dutch Personal Accident and Health Insurance - Number of Brokers, 2013-2018
Table 111: Dutch Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Million), 2009-2013
Table 112: Dutch Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Million), 2013-2018
Table 113: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Table 114: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Table 115: Dutch Personal Accident and Health Insurance - Policies Sold Through Other Channels (Million), 2009-2013
Table 116: Dutch Personal Accident and Health Insurance - Policies Sold Through Other Channels (Million), 2013-2018
Table 117: Dutch Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Table 118: Dutch Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Table 119: The Netherlands - Life Insurance Regulatory Framework
Table 120: The Netherlands - Property Insurance Regulatory Framework
Table 121: The Netherlands - Motor Insurance Regulatory Framework
Table 122: The Netherlands - Minimum Coverage for Aircraft Third-Party Liability per Accident per Aircraft
Table 123: The Netherlands - Corporate Tax Rate for the Financial Year 2013
Table 124: Number of Personal Accident and Health Insurance Providers in the Netherlands, 2009-2013
Table 125: Shares of Key Insurers in the Dutch Personal Accident and Health Insurance Segment (%), 2013
Table126: Centrale Zorgverzekeraars Groep, Zorgverzekeraaru.a. OWM - Key Facts
Table 127: Centrale Zorgverzekeraars Groep, Zorgverzekeraaru.a. OWM - Key Financials (EUR Million), 2009-2013
Table 128: Zilveren Kruis Achmea Zorgverzekeringen NV - Key Facts
Table129: Zilveren Kruis Achmea Zorgverzekeringen NV - Key Financials (EUR Million), 2009-2013
Table 130: VGZ Zorgverzekeraar NV - Key Facts
Table 131: VGZ Zorgverzekeraar NV - Key Financials (EUR Million), 2009-2013
Table 132: Menzis Zorgverzekeraar NV - Key Facts
Table 133: Menzis Zorgverzekeraar NV - Key Financials (EUR Million), 2009-2013
Table 134: Agis Zorgverzekeringen NV - Key Facts
Table135: Agis Zorgverzekeringen NV - Key Financials (EUR Million), 2009-2013
Table136: Univé Zorg NV - Key Facts
Table137: Univé Zorg NV - Key Financials (EUR Million), 2009-2013
Table 138: IZA Zorgverzekeraar NV - Key Facts
Table139: IZA Zorgverzekeraar NV - Key Financials (EUR Million), 2009-2013
Table140: De Friesland Zorgverzekeraar NV - Key Facts
Table 141: Zorg en Zekerheid Zorgverzekeraarua OWM - Key Facts
Table 142: IZZ Zorgverzekeraar NV - Key Facts
List of Figures
Figure 1: Dutch Insurance - Gross Written Premium by Segment (EUR Billion), 2009-2018
Figure 2: Dutch Insurance - Dynamics by Segment, Gross Written Premium (2009-2018)
Figure 3: Dutch Insurance - Direct Written Premium by Segment (EUR Billion), 2009-2018
Figure 4: Dutch Insurance - Dynamics by Segment, Direct Written premium (2009-2018)
Figure 5: -Gross Written Premium and Healthcare Expenditure Statistics, 2008?2012
Figure 6: Population Distribution by Gender and Age Group, 2013
Figure 7: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Billion), 2009-2018
Figure 8: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 9: Dutch Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 10: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2009-2018
Figure 11: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 12: Dutch Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 13: Dutch Personal Accident and Health Insurance - Earned Premium (EUR Billion), 2009-2013
Figure 14: Dutch Personal Accident and Health Insurance - Earned Premium (EUR Billion), 2013-2018
Figure 15: Dutch Personal Accident and Health Insurance - Paid Claims by Category (EUR Billion), 2009-2018
Figure 16: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (EUR Billion), 2009-2018
Figure 17: Dutch Personal Accident and Health Insurance - Retentions by Category (EUR Billion), 2009-2018
Figure 18: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Figure 19: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Figure 20: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2009-2013
Figure 21: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2013-2018
Figure 22: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Figure 23: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Figure 24: Dutch Personal Accident and Health Insurance - Fraud and Crime (EUR Billion), 2009-2013
Figure 25: Dutch Personal Accident and Health Insurance - Fraud and Crime (EUR Billion), 2013-2018
Figure 26: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2009-2013
Figure 27: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2013-2018
Figure 28: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2009-2013
Figure 29: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2013-2018
Figure 30: Dutch Personal Accident and Health Insurance - Retentions (EUR Billion), 2009-2013
Figure 31: Dutch Personal Accident and Health Insurance - Retentions (EUR Billion), 2013-2018
Figure 32: Dutch Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2009-2013
Figure 33: Dutch Personal Accident and Health Insurance - Investment Portfolio (% Share), 2009 and2013
Figure 34: Dutch Personal Accident and Health Insurance Penetration (%), 2009-2013
Figure 35: Dutch Personal Accident and Health Insurance - Number of Policies Sold (Million), 2009-2013
Figure 36: Dutch Personal Accident and Health Insurance - Number of Policies Sold (Million), 2013-2018
Figure 37: Dutch Personal Accident and Health Insurance - Premium Per Capita (EUR), 2009-2013
Figure 38: Dutch Personal Accident Insurance - Number of Policies Sold (Million), 2009-2013
Figure 39: Dutch Personal Accident Insurance - Number of Policies Sold (Million), 2013-2018
Figure 40: Dutch Personal Accident Insurance - Gross Written Premium (EUR Billion),2009-2013
Figure 41: Dutch Personal Accident Insurance - Gross Written Premium (EUR Billion),2013-2018
Figure 42: Dutch Personal Accident Insurance - Loss Ratio (%), 2009-2013
Figure 43: Dutch Personal Accident Insurance - Loss Ratio (%), 2013-2018
Figure 44: Dutch Travel Insurance - Number of Policies Sold (Million), 2009-2013
Figure 45: Dutch Travel Insurance - Number of Policies Sold (Million)), 2013-2018
Figure 46: Dutch Travel Insurance - Gross Written Premium (EUR Million),2009-2013
Figure 47: Dutch Travel Insurance - Gross Written Premium (EUR Million),2013-2018
Figure 48: Dutch Travel Insurance - Loss Ratio (%), 2009-2013
Figure 49: Dutch Travel Insurance - Loss Ratio (%), 2013-2018
Figure 50: Dutch Health Insurance - Number of Policies Sold (Million), 2009-2013
Figure 51: Dutch Non-Life Health Insurance - Number of Policies Sold (Million), 2013-2018
Figure 52: Dutch Health Insurance - Gross Written Premium (EUR Billion),2009-2013
Figure 53: Dutch Non-Life Health Insurance - Gross Written Premium (EUR Billion),2013-2018
Figure 54: Dutch Health Insurance - Direct Written Premium (EUR Billion),2009-2013
Figure 55: Dutch Health Insurance - Direct Written Premium (EUR Billion),2013-2018
Figure 56: Dutch Non-Life Health Insurance - Loss Ratio (%), 2009-2013
Figure 57: Dutch Non-Life Health Insurance - Loss Ratio (%), 2013-2018
Figure 58: Dutch Health Insurance - Retentions (EUR Billion),2009-2013
Figure 59: Dutch Health Insurance - Retentions (EUR Billion),2013-2018
Figure 60: Dutch Personal Accident and Health Insurance - Gross Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 61: Dutch Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Figure 62: Dutch Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Figure 63: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 64: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 65: Dutch Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Million), 2009-2013
Figure 66: Dutch Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Million), 2013-2018
Figure 67: Dutch Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Figure 68: Dutch Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Figure 69: Dutch Personal Accident and Health Insurance - Bancassurance Commission Paid (EUR Million), 2009-2013
Figure 70: Dutch Personal Accident and Health Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Figure 71: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 72: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 73: Dutch Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Million),2009-2013
Figure 74: Dutch Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Million), 2013-2018
Figure 75: Dutch Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Figure 76: Dutch Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Figure 77: Dutch Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2009-2013
Figure 78: Dutch Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2013-2018
Figure 79: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 80: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 81: Dutch Personal Accident and Health Insurance - Policies Sold Through Agencies (Million), 2009-2013
Figure 82: Dutch Personal Accident and Health Insurance - Policies Sold Through Agencies (Million), 2013-2018
Figure 83: Dutch Personal Accident and Health Insurance - Number of Agencies, 2009-2013
Figure 84: Dutch Personal Accident and Health Insurance - Number of Agencies, 2013-2018
Figure 85: Dutch Personal Accident and Health Insurance - E-Commerce Commission Paid (EUR Million), 2009-2013
Figure 86: Dutch Personal Accident and Health Insurance - E-Commerce Commission Paid (EUR Million), 2013-2018
Figure 87: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 88: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 89: Dutch Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Million), 2009-2013
Figure 90: Dutch Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Million), 2013-2018
Figure 91: Dutch Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Figure 92: Dutch Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Figure 93: Dutch Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Figure 94: Dutch Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Figure 95: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 96: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 97: Dutch Personal Accident and Health Insurance - Policies Sold Through Brokers (Million), 2009-2013
Figure 98: Dutch Personal Accident and Health Insurance - Policies Sold Through Brokers (Million), 2013-2018
Figure 99: Dutch Personal Accident and Health Insurance - Number of Brokers, 2009-2013
Figure 100: Dutch Personal Accident and Health Insurance - Number of Brokers, 2013-2018
Figure 101: Dutch Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Million), 2009-2013
Figure 102: Dutch Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Million), 2013-2018
Figure 103: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2009-2013
Figure 104: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2013-2018
Figure 105: Dutch Personal Accident and Health Insurance - Policies Sold Through Other Channels (Million), 2009-2013
Figure 106: Dutch Personal Accident and Health Insurance - Policies Sold Through Other Channels (Million), 2013-2018
Figure 107: Dutch Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Figure 108: Dutch Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Figure 109: The Netherlands - Insurance Regulatory Framework
Figure 110: The Netherlands - The Three Pillars of Solvency II
Figure 111: The Netherlands - Insurance Supervision and Control at Various Levels
Figure 112: The Netherlands - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 113: Shares of Key Insurers in the Dutch Personal Accident and Health Insurance Segment (%), 2013
Figure 114: Gross Written Premium - Top Five Dutch Personal Accident and Health Insurers, 2013
Figure 115: Net Earned Premium - Top Five Dutch Personal Accident and Health Insurers, 2013
Figure 116: Gross Claims - Top Five Dutch Personal Accident and Health Insurers, 2013
Figure 117: Total Assets - Top Five Dutch Personal Accident and Health Insurers, 2013
Figure 118: Investment Income - Top Five Dutch Personal Accident and Health Insurers, 2013
Figure 119: Dutch GDP at Constant Prices (US$ Billion), 2009-2013
Figure 120: Dutch GDP per Capita at Constant Prices (US$), 2009-2013
Figure 121: Dutch GDP at Current Prices (US$ Billion), 2009-2013
Figure 122: Dutch GDP per Capita at Current Prices (US$), 2009-2013
Figure 123: Dutch GDP by Key Sector (%) 2008 and 2012
Figure 124: Dutch Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2008-2012
Figure 125: Dutch Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 126: Dutch Manufacturing Net Output at Current Prices (US$ Billion), 2008-2012
Figure 127: Dutch Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 128: Dutch Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008-2012
Figure 129: Dutch Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 130: Dutch Construction Net Output at Current Prices (US$ Billion), 2008-2012
Figure 131: Dutch Construction Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 132: Dutch Inflation Rate (%), 2009-2013
Figure 133: Dutch Exports as a Percentage of GDP (%), 2008-2012
Figure 134: Dutch Imports as a Percentage of GDP (%), 2008-2012
Figure 135: Dutch Merchandise Exports Growth (%), 2009-2012
Figure 136: Dutch Merchandise Imports Growth (%), 2009-2012
Figure 137: Dutch Annual Average Exchange Rate US$-EUR, 2009-2013
Figure 138: Dutch Commercial Vehicles Exports - Total Value (US$ Billion), 2009-2013
Figure 139: Dutch Commercial Vehicles Imports - Total Value (US$ Million), 2009-2013
Figure 140: Dutch Automotive Exports - Total Value (US$ Billion), 2009-2013
Figure 141: Dutch Automotive Imports - Total Value (US$ Billion), 2009-2013
Figure 142: Dutch Internet Subscriptions (Millions), 2009-2013
Figure 143: Dutch Size of Labor Force (Million), 2008-2012
Figure 144: Dutch Unemployment Rate (%), 2009-2013
Figure 145: Norwegian Gross National Disposable Income (US$ Billion), 2008-2012
Figure 146: Dutch Household Consumption Expenditure(US$ Billion), 2009-2013
Figure 147: Dutch Total Population (Million), 2009-2013
Figure 148: Dutch Urban and Rural Populations (%), 2009–2013
Figure 149: Dutch Population Distribution by Age (%), 2009–2013
Figure 150: Dutch Life Expectancy (Number of Years), 2009–2013