The Insurance Industry in Albania, Key Trends and Opportunities to 2019
Table of Contents
1 Key Facts and Highlights
2 Executive Summary
3 Economy and Demographics
4 Albanian Insurance Industry Overview
5 Life Insurance
5.1 Individual Life Insurance
5.2 Group Life Insurance
5.3 Life Insurance by Category
5.3.1 Individual whole life insurance
5.3.2 Individual endowment insurance
5.3.3 Other individual insurance
5.3.4 Group whole life insurance
6 Non-Life Insurance
6.1 Property Insurance
6.2 Motor Insurance
6.3 Liability Insurance
6.4 Marine, Aviation and Transit Insurance
7 Personal Accident and Health Insurance
7.1 Personal Accident Insurance
7.2 Health Insurance
7.3 Travel Insurance
8 Reinsurance
9 Natural Hazards
9.1 Floods
9.2 Extreme Temperatures
9.3 Earthquakes
9.4 Exposure
10 Competitive Landscape
10.1 Overview
10.2 Leading Companies
10.2.1 Sigal Uniqa Group Austria sh.a - company overview
10.2.2 Intersig Vienna Insurance Group sh.a - company overview
10.2.3 Eurosig sh.a - company overview
10.2.4 Sigma Interalbanian Vienna Insurance Group sh.a - company overview
10.2.5 Albsig sh.a - company overview
11 Governance, Risk and Compliance
11.1 Legislation Overview and Historical Evolution
11.2 Latest Changes in Regulations
11.3 Legislation and Market Practice by Type of Insurance
11.3.1 Life insurance
11.3.2 Property insurance
11.3.3 Motor insurance
11.3.4 Liability insurance
11.3.5 Marine, aviation and transit insurance
11.3.6 Personal accident and health insurance
11.4 Compulsory Insurance
11.4.1 Motor third-party liability insurance
11.4.2 Social Security Insurance
11.4.3 Professional indemnity insurance for insurance brokers
11.4.4 Marine liability insurance
11.4.5 Aviation liability insurance
11.5 Supervision and Control
11.5.1 International Association of Insurance Supervisors
11.5.2 Financial Supervisory Authority
11.6 Non-Admitted Insurance Regulation
11.6.1 Overview
11.6.2 Intermediaries
11.6.3 Market practices
11.6.4 Fines and penalties
11.7 Company Registration and Operations
11.7.1 Types of insurance organization
11.7.2 Establishing a local company
11.7.3 Foreign ownership
11.7.4 Types of license
11.7.5 Capital requirements
11.7.6 Solvency margins
11.7.7 Reserve requirements
11.7.8 Investment regulations
11.7.9 Statutory return requirements
11.7.10 Fee structure
11.8 Taxation
11.8.1 Insurance premium or policy taxation
11.8.2 Withholding taxes on premium paid overseas
11.8.3 Corporate tax
11.8.4 VAT
11.8.5 Captives
11.9 Legal System
11.9.1 Introduction
11.9.2 Access to court
11.9.3 Alternative dispute resolution (ADR)
12 Definitions and Methodology
12.1 Definitions
12.2 Methodology
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Disclaimer
List of Tables
Table 1: Albanian Insurance Industry - Key Facts
Table 2: Albanian Insurance Industry - Market Shares of the Leading Insurers (%), 2014
Table 3: Albanian Government Credit Ratings
Table 4: Albanian Insurance Gross Written Premium by Segment (ALL Million), 2010-2014
Table 5: Albanian Insurance Gross Written Premium by Segment (ALL Million), 2014-2019
Table 6: Albanian Life Insurance - Gross Written Premium by Sub-Segment (ALL Million), 2010-2014
Table 7: Albanian Life Insurance - Gross Written Premium by Sub-Segment (US$ Million), 2010-2014
Table 8: Albanian Life Insurance - Gross Written Premium by Sub-Segment (ALL Million), 2014-2019
Table 9: Albanian Life Insurance - Gross Written Premium by Sub-Segment (US$ Million), 2014-2019
Table 10: Albanian Life Insurance - Segmentation by Gross Written Premium (%), 2010-2019
Table 11: Albanian Life Insurance - Direct Written Premium by Sub-Segment (ALL Million), 2010-2014
Table 12: Albanian Life Insurance - Direct Written Premium by Sub-Segment (US$ Million), 2010-2014
Table 13: Albanian Life Insurance - Direct Written Premium by Sub-Segment (ALL Million), 2014-2019
Table 14: Albanian Life Insurance - Direct Written Premium by Sub-Segment (US$ Million), 2014-2019
Table 15: Albanian Life Insurance - Segmentation by Direct Written Premium (%), 2010-2019
Table 16: Albanian Life Insurance - Paid Claims (ALL Million), 2010-2014
Table 17: Albanian Life Insurance - Paid Claims (ALL Million), 2014-2019
Table 18: Albanian Life Insurance - Incurred Loss (ALL Million), 2010-2014
Table 19: Albanian Life Insurance - Incurred Loss (ALL Million), 2014-2019
Table 20: Albanian Life Insurance - Net Written Premium (Percentage of GWP), 2010-2014
Table 21: Albanian Life Insurance - Net Written Premium (Percentage of GWP), 2014-2019
Table 22: Albanian Life Insurance - Total Assets (ALL Billion), 2010-2014
Table 23: Albanian Life Insurance - Total Assets (ALL Billion), 2014-2019
Table 24: Albanian Life Insurance - Total Investment Income (ALL Million), 2010-2014
Table 25: Albanian Life Insurance - Total Investment Income (ALL Million), 2014-2019
Table 26: Albanian Life Insurance - Net Written Premium (ALL Million), 2010-2014
Table 27: Albanian Life Insurance - Net Written Premium (ALL Million), 2014-2019
Table 28: Albanian Individual Life Insurance - Gross Written Premium by Category (ALL Million), 2010-2014
Table 29: Albanian Individual Life Insurance - Gross Written Premium by Category (US$ Million), 2010-2014
Table 30: Albanian Individual Life Insurance - Gross Written Premium by Category (ALL Million), 2014-2019
Table 31: Albanian Individual Life Insurance - Gross Written Premium by Category (US$ Million), 2014-2019
Table 32: Albanian Individual Life Insurance - Direct Written Premium by Category (ALL Million), 2010-2014
Table 33: Albanian Individual Life Insurance - Direct Written Premium by Category (US$ Million), 2010-2014
Table 34: Albanian Individual Life Insurance - Direct Written Premium by Category (ALL Million), 2014-2019
Table 35: Albanian Individual Life Insurance - Direct Written Premium by Category (US$ Million), 2014-2019
Table 36: Albanian Group Life Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 37: Albanian Group Life Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 38: Albanian Individual Whole Life Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 39: Albanian Individual Whole Life Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 40: Albanian Individual Endowment Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 41: Albanian Individual Endowment Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 42: Albanian Other Individual Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 43: Albanian Other Individual Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 44: Albanian Group Whole Life Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 45: Albanian Group Whole Life Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 46: Albanian Motor Third-Party Liability Insurance - Gross Written Premium and Paid Claims (ALL Million), 2014-2015
Table 47: Albanian Non-Life Insurance - Gross Written Premium by Category (ALL Million), 2010-2014
Table 48: Albanian Non-Life Insurance - Gross Written Premium by Category (US$ Million), 2010-2014
Table 49: Albanian Non-Life Insurance - Gross Written Premium by Category (ALL Million), 2014-2019
Table 50: Albanian Non-Life Insurance - Gross Written Premium by Category (US$ Million), 2014-2019
Table 51: Albanian Non-Life Insurance - Direct Written Premium by Category (ALL Million), 2010-2014
Table 52: Albanian Non-Life Insurance - Direct Written Premium by Category (US$ Million), 2010-2014
Table 53: Albanian Non-Life Insurance - Direct Written Premium by Category (ALL Million), 2014-2019
Table 54: Albanian Non-Life Insurance - Direct Written Premium by Category (US$ Million), 2014-2019
Table 55: Albanian Non-Life Insurance - Paid Claims (ALL Million), 2010-2014
Table 56: Albanian Non-Life Insurance - Paid Claims (ALL Million), 2014-2019
Table 57: Albanian Non-Life Insurance - Incurred Loss (ALL Million), 2010-2014
Table 58: Albanian Non-Life Insurance - Incurred Loss (ALL Million), 2014-2019
Table 59: Albanian Non-Life Insurance - Loss Ratio (%), 2010-2014
Table 60: Albanian Non-Life Insurance - Loss Ratio (%), 2014-2019
Table 61: Albanian Non-Life Insurance - Combined Ratio (%), 2010-2014
Table 62: Albanian Non-Life Insurance - Combined Ratio (%), 2014-2019
Table 63: Albanian Non-Life Insurance - Total Assets (ALL Billion), 2010-2014
Table 64: Albanian Non-Life Insurance - Total Assets (ALL Billion), 2014-2019
Table 65: Albanian Non-Life Insurance - Total Investment Income (ALL Million), 2010-2014
Table 66: Albanian Non-Life Insurance - Total Investment Income (ALL Million), 2014-2019
Table 67: Albanian Non-Life Insurance - Net Written Premium (ALL Million), 2010-2014
Table 68: Albanian Non-Life Insurance - Net Written Premium (ALL Million), 2014-2019
Table 69: Albanian Property Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 70: Albanian Property Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 71: Albanian Motor Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 72: Albanian Motor Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 73: Albanian Liability Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 74: Albanian Liability Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 75: Albanian Marine, Aviation and Transit Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 76: Albanian Marine, Aviation and Transit Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 77: Albanian Personal Accident and Health Insurance - Gross Written Premium and Paid Claims (ALL Million), 2014-2015
Table 78: Albanian Personal Accident and Health Insurance - Gross Written Premium by Category (ALL Million), 2010-2014
Table 79: Albanian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2010-2014
Table 80: Albanian Personal Accident and Health Insurance - Gross Written Premium by Category (ALL Million), 2014-2019
Table 81: Albanian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2014-2019
Table 82: Albanian Personal Accident and Health Insurance - Direct Written Premium by Category (ALL Million), 2010-2014
Table 83: Albanian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2010-2014
Table 84: Albanian Personal Accident and Health Insurance - Direct Written Premium by Category (ALL Million), 2014-2019
Table 85: Albanian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2014-2019
Table 86: Albanian Personal Accident and Health Insurance - Paid Claims (ALL Million), 2010-2014
Table 87: Albanian Personal Accident and Health Insurance - Paid Claims (ALL Million), 2014-2019
Table 88: Albanian Personal Accident and Health Insurance - Incurred Loss (ALL Million), 2010-2014
Table 89: Albanian Personal Accident and Health Insurance - Incurred Loss (ALL Million), 2014-2019
Table 90: Albanian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
Table 91: Albanian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
Table 92: Albanian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
Table 93: Albanian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
Table 94: Albanian Personal Accident and Health Insurance - Total Assets (ALL Billion), 2010-2014
Table 95: Albanian Personal Accident and Health Insurance - Total Assets (ALL Billion), 2014-2019
Table 96: Albanian Personal Accident and Health Insurance - Total Investment Income (ALL Million), 2010-2014
Table 97: Albanian Personal Accident and Health Insurance - Total Investment Income (ALL Million), 2014-2019
Table 98: Albanian Personal Accident and Health Insurance - Net Written Premium (ALL Million), 2010-2014
Table 99: Albanian Personal Accident and Health Insurance - Net Written Premium (ALL Million), 2014-2019
Table 100: Albanian Personal Accident Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 101: Albanian Personal Accident Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 102: Albanian Health Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 103: Albanian Health Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 104: Albanian Travel Insurance - Gross Written Premium (ALL Million), 2010-2014
Table 105: Albanian Travel Insurance - Gross Written Premium (ALL Million), 2014-2019
Table 106: Albanian Reinsurance Accepted - By Category (ALL Million and US$ Million), 2010-2014
Table 107: Albanian Reinsurance - Premiums Ceded (Excluding Retrocession) by Insurance Segment (ALL Million), 2010-2014
Table 108: Albanian Reinsurance - Premiums Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2010-2014
Table 109: Albanian Reinsurance - Premiums Ceded (Excluding Retrocession) by Insurance Segment (ALL Million), 2014-2019
Table 110: Albanian Reinsurance - Premiums Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2014-2019
Table 111: Albanian Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014
Table 112: Albanian Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019
Table 113: Albanian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014
Table 114: Albanian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019
Table 115: Albanian Personal Accident and Health Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014
Table 116: Albanian Personal Accident and Health Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019
Table 117: Albanian Average Annual Loss by Hazard
Table 118: Albanian Insurance - Industry Shares, 2014
Table 119: Albanian Life Insurance - Segment Shares, 2014
Table 120: Albanian Non-Life Insurance - Segment Shares, 2014
Table 121: Sigal Uniqa Group Austria sh.a - Key Facts
Table 122: Intersig Vienna Insurance Group sh.a - Key Facts
Table 123: Eurosig sh.a - Key Facts
Table 124: Sigma Interalbanian Vienna Insurance Group sh.a - Key Facts
Table 125: Albsig sh.a - Key Facts
Table 126: Albania - Insurance Regulatory Framework Key Features
Table 127: Albania - Life Insurance Regulatory Framework
Table 128: Albania - Property Insurance Regulatory Framework
Table 129: Albania - Motor Insurance Regulatory Framework
Table 130: Albania - Liability Insurance Regulatory Framework
Table 131: Albania - Minimum Cover for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 132: Albania - Corporate Taxes for Financial Year 2015
Table 133: Insurance Industry Definitions
List of Figures
Figure 1: Albanian Real GDP (ALL Billion) , 2010-2019
Figure 2: Albanian Consumer Price Inflation (%), 2010-2019
Figure 3: ALL-US$ Exchange Rate, 2010-2019
Figure 4: Albanian Current Account Balance as a Percentage of GDP (%), 2010-2014
Figure 5: Albanian Unemployment Rate (%), 2010-2019
Figure 6: Albanian Population by Age Group, 1991-2025
Figure 7: Albanian Population by Prefecture
Figure 8: Albanian Insurance Gross Written Premium by Segment (ALL Million), 2010-2019
Figure 9: Albanian Life Insurance - Gross Written Premium by Sub-Segment (ALL Million), 2010-2019
Figure 10: Albanian Life Insurance - Gross Written Premium Dynamics by Sub-Segment, 2010-2019
Figure 11: Albanian Life Insurance - Direct Written Premium by Sub-Segment (ALL Million), 2010-2019
Figure 12: Albanian Life Insurance - Direct Written Premium Dynamics by Sub-Segment, 2010-2019
Figure 13: Albanian Life Insurance - Paid Claims (ALL Million), 2010-2014
Figure 14: Albanian Life Insurance - Paid Claims (ALL Million), 2014-2019
Figure 15: Albanian Life Insurance - Incurred Loss (ALL Million), 2010-2014
Figure 16: Albanian Life Insurance - Incurred Loss (ALL Million), 2014-2019
Figure 17: Albanian Life Insurance - Net Written Premium (Percentage of GWP), 2010-2014
Figure 18: Albanian Life Insurance - Net Written Premium (Percentage of GWP), 2014-2019
Figure 19: Albanian Life Insurance - Total Assets (ALL Billion), 2010-2014
Figure 20: Albanian Life Insurance - Total Assets (ALL Billion), 2014-2019
Figure 21: Albanian Life Insurance - Total Investment Income (ALL Million), 2010-2014
Figure 22: Albanian Life Insurance - Total Investment Income (ALL Million), 2014-2019
Figure 23: Albanian Life Insurance - Net Written Premium (ALL Million), 2010-2014
Figure 24: Albanian Life Insurance - Net Written Premium (ALL Million), 2014-2019
Figure 25: Albanian Life Insurance - Total Investment (ALL Billion), 2010-2014
Figure 26: Albanian Life Insurance - Insurance Penetration (%), 2010-2014
Figure 27: Albanian Life Insurance - Direct Premium per Capita (ALL), 2010-2014
Figure 28: Albanian Individual Life Insurance - Gross Written Premium by Category (ALL Million), 2010-2019
Figure 29: Albanian Individual Life Insurance - Gross Written Premium by Category (Percentage Share), 2014 and 2019
Figure 30: Albanian Individual Life Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 31: Albanian Individual Life Insurance - Direct Written Premium by Category (ALL Million), 2010-2019
Figure 32: Albanian Individual Life Insurance - Direct Written Premium by Category (Percentage Share), 2014 and 2019
Figure 33: Albanian Individual Life Insurance - Direct Written Premium Dynamics by Category, 2010-2019
Figure 34: Albanian Group Life Insurance - Gross Written Premium by Category (ALL Million), 2010-2019
Figure 35: Albanian Individual Whole Life Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 36: Albanian Individual Whole Life Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 37: Albanian Individual Endowment Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 38: Albanian Individual Endowment Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 39: Albanian Other Individual Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 40: Albanian Other Individual Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 41: Albanian Group Whole Life Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 42: Albanian Group Whole Life Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 43: Albanian Motor Insurance - Number of Vehicles, 2001-2014
Figure 44: Albanian Motor Insurance - Vehicles by Type (%), 2014
Figure 45: Albanian Non-Life Insurance - Gross Written Premium by Category (ALL Million), 2010-2019
Figure 46: Albanian Non-Life Insurance - Gross Written Premium by Category (%), 2014 and 2019
Figure 47: Albanian Non-Life Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 48: Albanian Non-Life Insurance - Direct Written Premium by Category (ALL Million), 2010-2019
Figure 49: Albanian Non-Life Insurance - Direct Written Premium by Category (%), 2014 and 2019
Figure 50: Albanian Non-Life Insurance - Direct Written Premium Dynamics by Category, 2010-2019
Figure 51: Albanian Non-Life Insurance - Paid Claims (ALL Million), 2010-2014
Figure 52: Albanian Non-Life Insurance - Paid Claims (ALL Million), 2014-2019
Figure 53: Albanian Non-Life Insurance - Incurred Loss (ALL Million), 2010-2014
Figure 54: Albanian Non-Life Insurance - Incurred Loss (ALL Million), 2014-2019
Figure 55: Albanian Non-Life Insurance - Loss Ratio (%), 2010-2014
Figure 56: Albanian Non-Life Insurance - Loss Ratio (%), 2014-2019
Figure 57: Albanian Non-Life Insurance - Combined Ratio (%), 2010-2014
Figure 58: Albanian Non-Life Insurance - Combined Ratio (%), 2014-2019
Figure 59: Albanian Non-Life Insurance - Total Assets (ALL Billion), 2010-2014
Figure 60: Albanian Non-Life Insurance - Total Assets (ALL Billion), 2014-2019
Figure 61: Albanian Non-Life Insurance - Total Investment Income (ALL Million), 2010-2014
Figure 62: Albanian Non-Life Insurance - Total Investment Income (ALL Million), 2014-2019
Figure 63: Albanian Non-Life Insurance - Net Written Premium (ALL Million), 2010-2014
Figure 64: Albanian Non-Life Insurance - Net Written Premium (ALL Million), 2014-2019
Figure 65: Albanian Non-Life Insurance - Total Investment (ALL Billion), 2010-2014
Figure 66: Albanian Non-Life Insurance Penetration (%), 2010-2014
Figure 67: Albanian Non-Life Insurance - Direct Premium per Capita (ALL), 2010-2014
Figure 68: Albanian Property Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 69: Albanian Property Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 70: Albanian Motor Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 71: Albanian Motor Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 72: Albanian Liability Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 73: Albanian Liability Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 74: Albanian Marine, Aviation and Transit Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 75: Albanian Marine, Aviation and Transit Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 76: Albanian Personal Accident Insurance - Number of Road Accidents, 2010-2014
Figure 77: Albanian Personal Accident Insurance - Paid Claims, 2010-2015
Figure 78: Albanian Personal Accident and Health Insurance - Gross Written Premium by Category (ALL Million), 2010-2019
Figure 79: Albanian Personal Accident and Health Insurance - Gross Written Premium by Category (%), 2014 and 2019
Figure 80: Albanian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 81: Albanian Personal Accident and Health Insurance - Direct Written Premium by Category (ALL Million), 2010-2019
Figure 82: Albanian Personal Accident and Health Insurance - Direct Written Premium by Category (%), 2014 and 2019
Figure 83: Albanian Personal Accident and Health Insurance - Direct Written Premium Dynamics by Category, 2010-2019
Figure 84: Albanian Personal Accident and Health Insurance - Paid Claims by Category (ALL Million), 2010-2014
Figure 85: Albanian Personal Accident and Health Insurance - Paid Claims (ALL Million), 2014-2019
Figure 86: Albanian Personal Accident and Health Insurance - Incurred Loss (ALL Million), 2010-2014
Figure 87: Albanian Personal Accident and Health Insurance - Incurred Loss (ALL Million), 2014-2019
Figure 88: Albanian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
Figure 89: Albanian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
Figure 90: Albanian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
Figure 91: Albanian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
Figure 92: Albanian Personal Accident and Health Insurance - Total Assets (ALL Billion), 2010-2014
Figure 93: Albanian Personal Accident and Health Insurance - Total Assets (ALL Billion), 2014-2019
Figure 94: Albanian Personal Accident and Health Insurance - Total Investment Income (ALL Million), 2010-2014
Figure 95: Albanian Personal Accident and Health Insurance - Total Investment Income (ALL Million), 2014-2019
Figure 96: Albanian Personal Accident and Health Insurance - Net Written Premium (ALL Million), 2010-2014
Figure 97: Albanian Personal Accident and Health Insurance - Net Written Premium (ALL Million), 2014-2019
Figure 98: Albanian Personal Accident and Health Insurance - Total Investment (ALL Million), 2010-2014
Figure 99: Albanian Personal Accident and Health Insurance - Penetration (%), 2010-2014
Figure 100: Albanian Personal Accident and Health Insurance - Direct Premium per Capita (ALL), 2010-2014
Figure 101: Albanian Personal Accident Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 102: Albanian Personal Accident Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 103: Albanian Health Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 104: Albanian Health Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 105: Albanian Travel Insurance - Gross Written Premium (ALL Million), 2010-2014
Figure 106: Albanian Travel Insurance - Gross Written Premium (ALL Million), 2014-2019
Figure 107: Albanian Reinsurance Accepted (ALL Million), 2010-2014
Figure 108: Albanian Reinsurance - Premiums Ceded (Excluding Retrocession) by Insurance Segment (ALL Million), 2010-2019
Figure 109: Albanian Reinsurance - Dynamics by Insurance Segment, 2010-2019
Figure 110: Albanian Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014
Figure 111: Albanian Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019
Figure 112: Albanian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014
Figure 113: Albanian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019
Figure 114: Albanian Personal Accident and Health Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014
Figure 115: Albanian Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2014-2019
Figure 116: Albanian Frequency of Hazards by Type, 1990-2014
Figure 117: Albanian Mortality of Hazards by Type, 1990-2014
Figure 118: Albanian Economic Issues of Hazards by Type, 1990-2014
Figure 119: Albanian Insurance - Industry Shares, 2014
Figure 120: Albanian Life Insurance - Segment Shares, 2014
Figure 121: Albanian Non-Life Insurance - Segment Shares 2014
Figure 122: Albania - Insurance Supervision and Control at Various Levels
Figure 123: Albania - Insurance Regulatory Frameworks for Company Registration and Operation