Personal Accident and Health Insurance in the Netherlands, Key Trends and Opportunities to 2020
Table of Contents
1 Key Facts and Highlights
2 Executive Summary
3 Economy and Demographics
4 Segment Outlook
4.1 Regional Comparison
4.2 Segment Indicators
4.2.1 Gross written premium and penetration
4.2.2 Claims
4.2.3 Profitability
4.2.4 Assets and investments
5 Outlook by Category
5.1 Personal Accident Insurance
5.1.1 Premium
5.1.2 Claims
5.1.3 Profitability
5.2 Health Insurance
5.2.1 Premium
5.2.2 Claims
5.2.3 Profitability
5.3 Travel Insurance
5.3.1 Premium
5.3.2 Claims
5.3.3 Profitability
6 Distribution Channel Outlook
6.1 Analysis by Distribution Channel
7 Competitive Landscape
7.1 Company Profiles
7.1.1 Zilveren Kruis Achmea Zorgverzekeringen NV - company overview
7.1.2 Centrale Zorgverzekeraars Groep, Zorgverzekeraar ua OWM - company overview
7.1.3 VGZ Zorgverzekeraar NV - company overview
7.1.4 Menzis Zorgverzekeraar NV - company overview
7.1.5 Univé Zorg NV - company overview
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Latest Changes in Regulation
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 Marine insurance
8.4.2 Aviation liability insurance
8.4.3 Motor third-party liability insurance
8.4.4 Health insurance
8.4.5 Social insurance system
8.4.6 Professional indemnity insurance for alternative investment fund managers
8.4.7 Professional indemnity insurance for insurance intermediaries
8.4.8 Clinical trials liability insurance
8.4.9 Liability for ships with respect to oil pollution
8.5 Supervision and Control
8.5.1 International Association of Insurance Supervisors
8.5.2 European Insurance and Occupational Pensions Authority
8.5.3 The Authority for the Financial Markets
8.5.4 Dutch Central Bank
8.5.5 Federation of European Risk Management Associations
8.5.6 Dutch Association of Insurers
8.6 Non-Admitted Insurance Regulation
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 Type 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 margin
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
9 Databook
9.1 Policies and Premium
9.2 Claims and Expenses
9.3 Assets and Investments
9.4 Direct Marketing and E-Commerce
9.5 Insurance Brokers and Agencies
9.6 Personal Accident Insurance
9.7 Health Insurance
9.8 Health Insurance by Product
9.9 Travel Insurance
10 Definitions and Methodology
10.1 Definitions
10.2 Methodology
11 About Timetric
11.1 Contact Timetric
11.2 About Timetric
11.3 Timetric's Services
11.4 Disclaimer
List of Tables
Table 1: Dutch Personal Accident and Health Insurance - Key Facts, 2015
Table 2: Dutch Personal Accident and Health Insurance - Segment Shares of the Top Insurers, 2015
Table 3: Dutch Government Credit Ratings
Table 4: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2011-2015
Table 5: Dutch Personal Accident and Health Insurance - Penetration (%), 2011-2015
Table 6: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion and US$ Billion), 2015-2020
Table 7: Dutch Personal Accident and Health Insurance - Penetration (%), 2015-2020
Table 8: Dutch Personal Accident and Health Insurance - Premium per Capita (EUR and US$), 2011-2015
Table 9: Dutch Personal Accident and Health Insurance - Premium per Capita (EUR and US$), 2015-2020
Table 10: Dutch Personal Accident and Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
Table 11: Dutch Personal Accident and Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
Table 12: Dutch Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2015
Table 13: Dutch Personal Accident and Health Insurance - Profitability Ratio (%), 2015-2020
Table 14: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion and US$ Billion), 2011-2015
Table 15: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion and US$ Billion), 2015-2020
Table 16: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Million and US$ Million), 2011-2015
Table 17: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Million and US$ Million), 2015-2020
Table 18: Dutch Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2011-2015
Table 19: Dutch Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2015-2020
Table 20: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2011-2015
Table 21: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2015-2020
Table 22: Dutch Personal Accident Insurance - Direct Written Premium (EUR Billion and US$ Billion), 2011-2015
Table 23: Dutch Personal Accident Insurance - Direct Written Premium (EUR Billion and US$ Billion), 2015-2020
Table 24: Dutch Personal Accident Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
Table 25: Dutch Personal Accident Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
Table 26: Dutch Personal Accident Insurance - Loss Ratio (%), 2011-2015
Table 27: Dutch Personal Accident Insurance - Loss Ratio (%), 2015-2020
Table 28: Dutch Health Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2011-2015
Table 29: Dutch Health Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2015-2020
Table 30: Dutch Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2011-2015
Table 31: Dutch Health Insurance - Paid Claims (EUR Billion and US$ Billion), 2015-2020
Table 32: Dutch Health Insurance - Loss Ratio (%), 2011-2015
Table 33: Dutch Health Insurance - Loss Ratio (%), 2015-2020
Table 34: Dutch Travel Insurance - Direct Written Premium (EUR Million), 2011-2015
Table 35: Dutch Travel Insurance - Direct Written Premium (EUR Million), 2015-2020
Table 36: Dutch Travel Insurance - Paid Claims (EUR Million and US$ Million), 2011-2015
Table 37: Dutch Travel Insurance - Paid Claims (EUR Million and US$ Million), 2015-2020
Table 38: Dutch Travel Insurance - Loss Ratio (%), 2011-2015
Table 39: Dutch Travel Insurance - Loss Ratio (%), 2015-2020
Table 40: Dutch Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2011-2015
Table 41: Dutch Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (EUR Billion), 2015-2020
Table 42: Dutch Personal Accident and Health Insurance - Percentage of Direct Written Premium, by Distribution Channel, 2011-2020
Table 43: Dutch Personal Accident and Health Insurance - Market Shares of Leading Insurers (%), 2015
Table 44: Zilveren Kruis Achmea Zorgverzekeringen NV - Key Facts
Table 45: Zilveren Kruis Achmea Zorgverzekeringen NV - Key Financials (EUR Million), 2011-2015
Table 46: Centrale Zorgverzekeraars Groep, Zorgverzekeraar u.a. OWM - Key Facts
Table 47: Centrale Zorgverzekeraars Groep, Zorgverzekeraar u.a. OWM - Key Financials (EUR Million), 2011-2015
Table 48: VGZ Zorgverzekeraar NV - Key Facts
Table 49: VGZ Zorgverzekeraar NV - Key Financials (EUR Million), 2011-2015
Table 50: Menzis Zorgverzekeraar NV - Key Facts
Table 51: Menzis Zorgverzekeraar NV - Key Financials (EUR Million), 2011-2015
Table 52: Univé Zorg NV - Key Facts
Table 53: Univé Zorg NV - Key Financials (EUR Million), 2011-2015
Table 54: The Netherlands - Insurance Regulatory Framework Key Features
Table 55: The Netherlands - Life Insurance Regulatory Framework
Table 56: The Netherlands - Property Insurance Regulatory Framework
Table 57: The Netherlands - Motor Insurance Regulatory Framework
Table 58: The Netherlands - Liability Insurance Regulatory Framework
Table 59: The Netherlands - Minimum Cover for Aircraft Third-Party Liability per Accident per Aircraft
Table 60: The Netherlands - Corporate Tax Rates for the Financial Year 2017
Table 61: Dutch Personal Accident and Health Insurance Industry - Policies and Premium, 2011-2015
Table 62: Dutch Personal Accident and Health Insurance Industry - Policies and Premium, 2015-2020
Table 63: Dutch Personal Accident and Health Insurance - Claims and Expenses, 2011-2015
Table 64: Dutch Personal Accident and Health Insurance - Claims and Expenses, 2015-2020
Table 65: Dutch Personal Accident and Health Insurance - Assets and Investments, 2011-2015
Table 66: Dutch Personal Accident and Health Insurance - Assets and Investments, 2015-2020
Table 67: Dutch Personal Accident and Health Insurance - Direct Marketing and E-Commerce, 2011-2015
Table 68: Dutch Personal Accident and Health Insurance - Direct Marketing and E-Commerce, 2015-2020
Table 69: Dutch Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2011-2015
Table 70: Dutch Personal Accident and Health Insurance - Insurance Brokers and Agencies, 2015-2020
Table 71: Dutch Personal Accident and Health Insurance - Personal Accident Insurance, 2011-2015
Table 72: Dutch Personal Accident and Health Insurance - Personal Accident Insurance, 2015-2020
Table 73: Dutch Personal Accident and Health Insurance - Health Insurance, 2011-2015
Table 74: Dutch Personal Accident and Health Insurance - Health Insurance, 2015-2020
Table 75: Dutch Personal Accident and Health Insurance - Health by Product, 2011-2015
Table 76: Dutch Personal Accident and Health Insurance - Health by Product, 2015-2020
Table 77: Dutch Personal Accident and Health Insurance - Travel Insurance, 2011-2015
Table 78: Dutch Personal Accident and Health Insurance - Travel Insurance, 2015-2020
Table 79: Insurance Industry Definitions
List of Figures
Figure 1: Dutch Real GDP (EUR Billion), 2011-2020
Figure 2: Dutch Consumer Price Inflation (%), 2011-2020
Figure 3: Dutch Current Account Balance as Percentage of GDP (%), 2011-2015
Figure 4: EUR-US$ Exchange Rate, 2011-2020
Figure 5: Dutch Unemployment Rate, 2011-2020
Figure 6: Dutch Population by Age Group, 1995-2025
Figure 7: Dutch Personal Accident and Health Insurance Penetration - Regional Comparison (%), 2015
Figure 8: Dutch Insurance Segment Direct Written Premium Shares - Regional Comparison (%), 2015
Figure 9: Dutch Personal Accident and Health Insurance - Gross Written Premium (EUR Billion), 2011-2020
Figure 10: Dutch Personal Accident and Health Insurance - Penetration (%), 2011-2020
Figure 11: Dutch Personal Accident and Health Insurance - Premium per Capita (EUR), 2011-2020
Figure 12: Dutch Personal Accident and Health Insurance - Paid Claims (EUR Billion), 2011-2020
Figure 13: Dutch Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2020
Figure 14: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2011-2020
Figure 15: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2011-2020
Figure 16: Dutch Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2011-2020
Figure 17: Dutch Personal Accident and Health Insurance - Investment Portfolio Dynamics by Category, 2011-2020
Figure 18: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2011-2020
Figure 19: Dutch Personal Accident and Health Insurance - Direct Written Premium Dynamics by Category, 2011-2020
Figure 20: Dutch Personal Accident Insurance - Direct Written Premium (EUR Billion), 2011-2020
Figure 21: Dutch Personal Accident Insurance - Paid Claims (EUR Billion), 2011-2020
Figure 22: Dutch Personal Accident Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2011-2020
Figure 23: Dutch Health Insurance - Direct Written Premium by Sub-Category (EUR Billion), 2011-2020
Figure 24: Dutch Health Insurance - Paid Claims (EUR Billion), 2011-2020
Figure 25: Dutch Health Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2011-2020
Figure 26: Dutch Travel Insurance - Direct Written Premium (EUR Million), 2011-2020
Figure 27: Dutch Travel Insurance - Paid Claims (EUR Million), 2011-2020
Figure 28: Dutch Travel Insurance - Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2011-2020
Figure 29: Dutch Personal Accident and Health Insurance - Direct Written Premium by Distribution Channel (%), 2011, 2015 and 2020
Figure 30: Dutch Personal Accident and Health Insurance - Market Shares of Leading Insurers (%), 2015
Figure 31: The Netherlands - The Three Pillars of Solvency II
Figure 32: The Netherlands - Insurance Supervision and Control at Various Levels
Figure 33: The Netherlands - Insurance Regulatory Frameworks for Company Registration and Operation
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