Personal Accident and Health Insurance in Canada, 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 Canadian 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 Liability insurance
7.2.5 Marine, aviation and transit insurance
7.2.6 Personal accident and health insurance
7.3 Compulsory Insurance
7.3.1 Motor third-party liability insurance
7.3.2 Marine liability insurance
7.3.3 Workmen's compensation
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 Office of the Superintendent of Financial Institutions Canada (OSFI)
7.4.3 Canadian Council of Insurance Regulators (CCIR)
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 Canadian Personal Accident and Health Insurance Segment
8.3 Leading Personal Accident and Health Insurance Insurers - New Product Launches
8.4 Leading Personal Accident and Health Insurance Insurers - Key Developments
8.5 Manufacturers Life Insurance Company - Company Overview
8.5.1 Manufacturers Life Insurance Company - key facts
8.6 Sun Life Assurance Company - Company Overview
8.6.1 Sun Life Assurance Company - key facts
8.7 Great-West Life Assurance Company - Company Overview
8.7.1 Great-West Life Assurance Company - key facts
8.8 RBC Life Insurance Company - Company Overview
8.8.1 RBC Life Insurance Company - key facts
8.9 Canada Life Assurance Company - Company Overview
8.9.1 Canada Life Assurance Company - key facts
8.1 Standard Life Assurance Company of Canada - Overview
8.10.1 Standard Life Assurance Company of Canada - key facts
8.11 State Farm Mutual Automobile Insurance Company - company overview
8.11.1 State Farm Mutual Automobile Insurance Company - key facts
8.12 The Dominion of Canada General Insurance Company - company overview
8.12.1 The Dominion of Canada General Insurance Company - key facts
8.13 Economical Mutual Insurance Company - company overview
8.13.1 Economical Mutual Insurance Company - key facts
9 Appendix - 1
9.1 Business Confidence
9.1.1 Market capitalization trend - the Canadian Stock Exchange
9.2.1 GDP at constant prices (US$)
9.2.2 GDP per capita at constant prices (US$)
9.2.3 GDP at current prices (US$)
9.2.4 GDP per capita at current prices (US$)
9.2.5 GDP by key sector
9.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
9.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
9.2.8 Manufacturing net output at current prices (US$)
9.2.9 Manufacturing net output at current prices as a percentage of GDP
9.2.10 Mining, manufacturing and utilities at current prices (US$)
9.2.11 Mining, manufacturing and utilities at current prices, as a percentage of GDP
9.2.12 Construction net output at current prices (US$)
9.2.13 Construction net output at current prices as a percentage of GDP
9.2.14 Inflation rate
9.2.15 Exports as a percentage of GDP
9.2.16 Imports as a percentage of GDP
9.2.17 Merchandise exports growth
9.2.18 Merchandise imports growth
9.2.19 Annual average exchange rate CAD-US$
9.3 Infrastructure
9.3.1 Commercial vehicle exports - total value
9.3.2 Commercial vehicle imports - total value
9.3.3 Automotive exports - total value
9.3.4 Automotive imports - total value
9.3.5 Total internet subscribers
9.4 Labor Force
9.4.1 Labor force
9.4.2 Unemployment rate
9.5 Demographics
9.5.1 Household consumption expenditure (US$)
9.5.2 Total population
9.5.3 Urban and rural populations
9.5.4 Age distribution of the total population
9.5.5 Life expectancy
10 Appendix - 2
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric's Services
10.5 Disclaimer
List of Tables
Table 1: Canadian Personal Accident and Health Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Canadian Insurance Industry - Gross Written Premium by Segment (CAD Billion), 2009-2013
Table 4: Canadian Insurance Industry - Gross Written Premium by Segment (US$ Billion), 2009-2013
Table 5: Canadian Insurance Industry - Gross Written Premium by Segment (CAD Billion), 2013-2018
Table 6: Canadian Insurance Industry - Gross Written Premium by Segment (US$ Billion), 2013-2018
Table 7: Canadian Insurance Industry - Gross Written Premium by Segment (Percentage Share), 2009-2018
Table 8: Canadian Insurance Industry - Direct Written Premium by Segment (CAD Billion), 2009-2013
Table 9: Canadian Insurance Industry - Direct Written Premium by Segment (US$ Billion), 2009-2013
Table 10: Canadian Insurance Industry - Direct Written Premium by Segment (CAD Billion), 2013-2018
Table 11: Canadian Insurance Industry - Direct Written Premium by Segment (US$ Billion), 2013-2018
Table 12: Canadian Insurance Industry - Direct Written Premium by Segment (Percentage Share), 2009-2018
Table 13: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (CAD Billion), 2009-2013
Table 14: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 15: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (CAD Billion), 2013-2018
Table 16: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 17: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (CAD Billion), 2009-2013
Table 18: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2009-2013
Table 19: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (CAD Billion), 2013-2018
Table 20: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2013-2018
Table 21: Canadian Personal Accident and Health Insurance - Earned Premium (CAD Billion), 2009-2013
Table 22: Canadian Personal Accident and Health Insurance - Earned Premium (CAD Billion), 2013-2018
Table 23: Canadian Personal Accident and Health Insurance - Paid Claims by Category (CAD Billion), 2009-2013
Table 24: Canadian Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2009-2013
Table 25: Canadian Personal Accident and Health Insurance - Paid Claims by Category (CAD Billion), 2013-2018
Table 26: Canadian Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2013-2018
Table 27: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (CAD Billion), 2009-2013
Table 28: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2009-2013
Table 29: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (CAD Billion), 2013-2018
Table 30: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2013-2018
Table 31: Canadian Personal Accident and Health Insurance - Retentions by Category (CAD Billion), 2009-2013
Table 32: Canadian Personal Accident and Health Insurance - Retentions by Category (US$ Billion), 2009-2013
Table 33: Canadian Personal Accident and Health Insurance - Retentions by Category (CAD Billion), 2013-2018
Table 34: Canadian Personal Accident and Health Insurance - Retentions by Category (US$ Billion), 2013-2018
Table 35: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Table 36: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Table 37: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2009-2013
Table 38: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2013-2018
Table 39: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Table 40: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Table 41: Canadian Personal Accident and Health Insurance - Frauds and Crimes (CAD Billion), 2009-2013
Table 42: Canadian Personal Accident and Health Insurance - Frauds and Crimes (CAD Billion), 2013-2018
Table 43: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2009-2013
Table 44: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2013-2018
Table 45: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2009-2013
Table 46: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2013-2018
Table 47: Canadian Personal Accident and Health Insurance - Retentions (CAD Billion), 2009-2013
Table 48: Canadian Personal Accident and Health Insurance - Retentions (CAD Billion), 2013-2018
Table 49: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 50: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 51: Canadian Personal Accident Insurance - Gross Written Premium (CAD Billion), 2009-2013
Table 52: Canadian Personal Accident Insurance - Gross Written Premium (CAD Billion), 2013-2018
Table 53: Canadian Personal Accident Insurance - Loss Ratio (%), 2009-2013
Table 54: Canadian Personal Accident Insurance - Loss Ratio (%), 2013-2018
Table 55: Canadian Travel Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 56: Canadian Travel Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 57: Canadian Travel Insurance - Gross Written Premium (CAD Billion), 2009-2013
Table 58: Canadian Travel Insurance - Gross Written Premium (CAD Billion), 2013-2018
Table 59: Canadian Travel Insurance - Loss Ratio (%), 2009-2013
Table 60: Canadian Travel Insurance - Loss Ratio (%), 2013-2018
Table 61: Canadian Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 62: Canadian Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 63: Canadian Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Table 64: Canadian Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Table 65: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2009-2013
Table 66: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2013-2018
Table 67: Canadian Health Insurance - Loss Ratio (%), 2009-2013
Table 68: Canadian Health Insurance - Loss Ratio (%), 2013-2018
Table 69: Canadian Health Insurance - Retentions (CAD Billion), 2009-2013
Table 70: Canadian Health Insurance - Retentions (CAD Billion), 2013-2018
Table 71: Canadian Personal Accident and Health Insurance - Direct Marketing Commission Paid (CAD Million), 2009-2013
Table 72: Canadian Personal Accident and Health Insurance - Direct Marketing Commission Paid (CAD Million), 2013-2018
Table 73: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Table 74: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Table 75: Canadian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 76: Canadian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 77: Canadian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 78: Canadian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 79: Canadian Personal Accident and Health Insurance - Bancassurance Commission Paid (CAD Million), 2009-2013
Table 80: Canadian Personal Accident and Health Insurance - Bancassurance Commission Paid (CAD Million), 2013-2018
Table 81: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2009-2013
Table 82: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2013-2018
Table 83: Canadian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 84: Canadian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 85: Canadian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Table 86: Canadian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Table 87: Canadian Personal Accident and Health Insurance - Commission Paid to Agencies (CAD Billion), 2009-2013
Table 88: Canadian Personal Accident and Health Insurance - Commission Paid to Agencies (CAD Billion), 2013-2018
Table 89: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Table 90: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Table 91: Canadian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2009-2013
Table 92: Canadian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2013-2018
Table 93: Canadian Personal Accident and Health Insurance - Number of Agencies, 2009-2013
Table 94: Canadian Personal Accident and Health Insurance - Number of Agencies, 2013-2018
Table 95: Canadian Personal Accident and Health Insurance - E-Commerce Commission Paid (CAD Million), 2009-2013
Table 96: Canadian Personal Accident and Health Insurance - E-Commerce Commission Paid (CAD Million), 2013-2018
Table 97: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2009-2013
Table 98: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2013-2018
Table 99: Canadian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013
Table 100: Canadian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018
Table 101: Canadian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Table 102: Canadian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Table 103: Canadian Personal Accident and Health Insurance - Commission Paid to Brokers (CAD Billion), 2009-2013
Table 104: Canadian Personal Accident and Health Insurance - Commission Paid to Brokers (CAD Billion), 2013-2018
Table 105: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Table 106: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Table 107: Canadian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2009-2013
Table 108: Canadian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018
Table 109: Canadian Personal Accident and Health Insurance - Number of Brokers, 2009-2013
Table 110: Canadian Personal Accident and Health Insurance - Number of Brokers, 2013-2018
Table 111: Canadian Personal Accident and Health Insurance - Commission Paid to Other Channels (CAD Million), 2009-2013
Table 112: Canadian Personal Accident and Health Insurance - Commission Paid to Other Channels (CAD Million), 2013-2018
Table 113: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2009-2013
Table 114: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2013-2018
Table 115: Canadian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013
Table 116: Canadian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018
Table 117: Canadian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Table 118: Canadian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Table 119: Canada - Life Insurance Regulatory Framework
Table 120: Canada - Property Insurance Regulatory Framework
Table 121: Canada - Motor Insurance Regulatory Framework
Table 122: Canada - Liability Insurance Regulatory Framework
Table 123: Canada - Legislations Governing Automobile Insurance in Each Province and Territory
Table 124: Canada - Workmen's Compensation
Table 125: Canada - Non-Admitted Insurance Regulatory Framework
Table 126: Canada - Legislations Governing Motor Insurance in Each Province and Territory
Table 127: Canada - Solvency Margin Requirements for Federally Regulated Insurance Companies
Table 128: Canada - Insurance Premium Taxation
Table 129: Canada - Corporate Tax Rates for the Financial Year 2014
Table 130: Leading Companies in Canadian Personal Accident and Health Insurance Segment, 2013
Table 131: Manufacturers Life Insurance Company, Key Facts
Table 132: Sun Life Assurance Company, Key Facts
Table 133: Great-West Life Assurance Company, Key Facts
Table 134: RBC Life Insurance Company, Key Facts
Table 135: Canada Life Assurance Company, Key Facts
Table 136: Standard Life Assurance Company of Canada, Key Facts
Table 137: State Farm Mutual Automobile Insurance Company, Key Facts
Table 138: The Dominion of Canada General Insurance Company, Key Facts
Table 139: Economical Mutual Insurance Company, Key Facts
List of Figures
Figure 1: Canadian Insurance Industry - Gross Written Premium by Segment (CAD Billion), 2009-2018
Figure 2: Canadian Insurance Industry - Gross Written Premium Dynamics by Segment, (2009-2018)
Figure 3: Canadian Insurance Industry - Direct Written Premium by Segment (CAD Billion), 2009-2018
Figure 4: Canadian Insurance Industry - Direct Written Premium Dynamics by Segment (2009-2018)
Figure 5: Canadian Gross Written Premium and Health Expenditure Statistics, 2008-2012
Figure 6: Canadian Distribution of Employment by Sector (%), 2009-2013
Figure 7: Canadian Population Distribution by Gender and Age Group, 2013
Figure 8: Canadian National Departures (Million), 2009-2013
Figure 9: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (CAD Billion), 2009-2018
Figure 10: Canadian Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 11: Canadian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 12: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (CAD Billion), 2009-2018
Figure 13: Canadian Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 14: Canadian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 15: Canadian Personal Accident and Health Insurance - Earned Premium (CAD Billion), 2009-2013
Figure 16: Canadian Personal Accident and Health Insurance - Earned Premium (CAD Billion), 2013-2018
Figure 17: Canadian Personal Accident and Health Insurance - Paid Claims by Category (CAD Billion), 2009-2018
Figure 18: Canadian Personal Accident and Health Insurance - Incurred Loss by Category (CAD Billion), 2009-2018
Figure 19: Canadian Personal Accident and Health Insurance - Retentions by Category (CAD Billion), 2009-2018
Figure 20: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Figure 21: Canadian Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Figure 22: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2009-2013
Figure 23: Canadian Personal Accident and Health Insurance - Commission and Expenses (CAD Billion), 2013-2018
Figure 24: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Figure 25: Canadian Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Figure 26: Canadian Personal Accident and Health Insurance - Frauds and Crimes (CAD Billion), 2009-2013
Figure 27: Canadian Personal Accident and Health Insurance - Frauds and Crimes (CAD Billion), 2013-2018
Figure 28: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2009-2013
Figure 29: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2013-2018
Figure 30: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2009-2013
Figure 31: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2013-2018
Figure 32: Canadian Personal Accident and Health Insurance - Retentions (CAD Billion), 2009-2013
Figure 33: Canadian Personal Accident and Health Insurance - Retentions (CAD Billion), 2013-2018
Figure 34: Canadian Personal Accident and Health Insurance - Investment Portfolio (CAD Billion), 2009-2013
Figure 35: Canadian Personal Accident and Health Insurance - Investment Portfolio (% Share), 2009 and 2013
Figure 36: Canadian Personal Accident and Health Insurance Penetration (%), 2009-2013
Figure 37: Canadian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 38: Canadian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 39: Canadian Personal Accident and Health Insurance - Premium Per Capita (CAD), 2009-2013
Figure 40: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 41: Canadian Personal Accident Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 42: Canadian Personal Accident Insurance - Gross Written Premium (CAD Billion), 2009-2013
Figure 43: Canadian Personal Accident Insurance - Gross Written Premium (CAD Billion), 2013-2018
Figure 44: Canadian Personal Accident Insurance - Loss Ratio (%), 2009-2013
Figure 45: Canadian Personal Accident Insurance - Loss Ratio (%), 2013-2018
Figure 46: Canadian Travel Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 47: Canadian Travel Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 48: Canadian Travel Insurance - Gross Written Premium (CAD Billion), 2009-2013
Figure 49: Canadian Travel Insurance - Gross Written Premium (CAD Billion), 2013-2018
Figure 50: Canadian Travel Insurance - Loss Ratio (%), 2009-2013
Figure 51: Canadian Travel Insurance - Loss Ratio (%), 2013-2018
Figure 52: Canadian Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 53: Canadian Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 54: Canadian Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Figure 55: Canadian Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Figure 56: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2009-2013
Figure 57: Canadian Health Insurance - Direct Written Premium (CAD Billion), 2013-2018
Figure 58: Canadian Health Insurance - Loss Ratio (%), 2009-2013
Figure 59: Canadian Health Insurance - Loss Ratio (%), 2013-2018
Figure 60: Canadian Health Insurance - Retentions (CAD Billion), 2009-2013
Figure 61: Canadian Health Insurance - Retentions (CAD Billion), 2013-2018
Figure 62: Canadian Personal Accident and Health Insurance - Gross Written Premium by Distribution Channel (% Share), 2013 and 2018
Figure 63: Canadian Personal Accident and Health Insurance - Direct Marketing Commission Paid (CAD Million), 2009-2013
Figure 64: Canadian Personal Accident and Health Insurance - Direct Marketing Commission Paid (CAD Million), 2013-2018
Figure 65: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Figure 66: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Figure 67: Canadian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013
Figure 68: Canadian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018
Figure 69: Canadian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Figure 70: Canadian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Figure 71: Canadian Personal Accident and Health Insurance - Bancassurance Commission Paid (CAD Million), 2009-2013
Figure 72: Canadian Personal Accident and Health Insurance - Bancassurance Commission Paid (CAD Million), 2013-2018
Figure 73: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2009-2013
Figure 74: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2013-2018
Figure 75: Canadian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013
Figure 76: Canadian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018
Figure 77: Canadian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Figure 78: Canadian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Figure 79: Canadian Personal Accident and Health Insurance - Commission Paid to Agencies (CAD Billion), 2009-2013
Figure 80: Canadian Personal Accident and Health Insurance - Commission Paid to Agencies (CAD Billion), 2013-2018
Figure 81: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Figure 82: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Figure 83: Canadian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2009-2013
Figure 84: Canadian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2013-2018
Figure 85: Canadian Personal Accident and Health Insurance - Number of Agencies, 2009-2013
Figure 86: Canadian Personal Accident and Health Insurance - Number of Agencies, 2013-2018
Figure 87: Canadian Personal Accident and Health Insurance - E-Commerce Commission Paid (CAD Million), 2009-2013
Figure 88: Canadian Personal Accident and Health Insurance - E-Commerce Commission Paid (CAD Million), 2013-2018
Figure 89: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2009-2013
Figure 90: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2013-2018
Figure 91: Canadian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013
Figure 92: Canadian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018
Figure 93: Canadian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Figure 94: Canadian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Figure 95: Canadian Personal Accident and Health Insurance - Commission Paid to Brokers (CAD Billion), 2009-2013
Figure 96: Canadian Personal Accident and Health Insurance - Commission Paid to Brokers (CAD Billion), 2013-2018
Figure 97: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2009-2013
Figure 98: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2013-2018
Figure 99: Canadian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2009-2013
Figure 100: Canadian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018
Figure 101: Canadian Personal Accident and Health Insurance - Number of Brokers, 2009-2013
Figure 102: Canadian Personal Accident and Health Insurance - Number of Brokers, 2013-2018
Figure 103: Canadian Personal Accident and Health Insurance - Commission Paid to Other Channels (CAD Million), 2009-2013
Figure 104: Canadian Personal Accident and Health Insurance - Commission Paid to Other Channels (CAD Million), 2013-2018
Figure 105: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2009-2013
Figure 106: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Million), 2013-2018
Figure 107: Canadian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013
Figure 108: Canadian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018
Figure 109: Canadian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Figure 110: Canadian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Figure 111: Canada - Insurance Regulatory Framework
Figure 112: Canada - Insurance Supervision and Control at Various Levels
Figure 113: Canada - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 114: Canada - Solvency Framework in Different Provinces and Territories
Figure 115: Canada - Judiciary System
Figure 116: Canadian Stock Exchange Market Capitalization (US$ Billion), 2008-2012
Figure 117: Canadian GDP at Constant Prices (US$ Billion), 2009-2013
Figure 118: Canadian GDP Per Capita at Constant Prices (US$), 2009-2013
Figure 119: Canadian GDP at Current Prices (US$ Billion), 2009-2013
Figure 120: Canadian GDP Per Capita at Current Prices (US$), 2009-2013
Figure 121: Canadian GDP by Key Sector (%) 2008 and 2012
Figure 122: Canadian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2008-2012
Figure 123: Canadian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 124: Canadian Manufacturing Net Output at Current Prices (US$ Billion), 2008-2012
Figure 125: Canadian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 126: Canadian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008-2012
Figure 127: Canadian Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 128: Canadian Construction Net Output at Current Prices (US$ Billion), 2008 - 2012
Figure 129: Canadian Construction Output at Current Prices as a Percentage of GDP (%), 2008-2012
Figure 130: Canadian Inflation Rate (%), 2009-2013
Figure 131: Canadian Exports as a Percentage of GDP (%), 2008-2012
Figure 132: Canadian Imports as a Percentage of GDP (%), 2008-2012
Figure 133: Canadian Merchandise Exports Growth (%), 2009-2012
Figure 134: Canadian Merchandise Imports Growth (%), 2009-2012
Figure 135: Canadian Annual Average Exchange Rate US$-CAD, 2009-2013
Figure 136: Canadian Commercial Vehicles Exports - Total Value (US$ Million), 2009-2013
Figure 137: Canadian Commercial Vehicles Imports - Total Value (US$ Million), 2009-2013
Figure 138: Canadian Automotive Exports - Total Value (US$ Million), 2009-2013
Figure 139: Canadian Automotive Imports - Total Value (US$ Billion), 2009-2013
Figure 140: Canadian Internet Subscriptions (Million), 2009-2013
Figure 141: Canadian Size of Labor Force (Million), 2008-2012
Figure 142: Canadian Unemployment Rate (%), 2009-2013
Figure 143: Canadian Household Consumption Expenditure (US$ Billion), 2009-2013
Figure 144: Canadian Total Population (Million), 2009-2013
Figure 145: Canadian Urban and Rural Populations (%), 2009-2013
Figure 146: Canadian Population Distribution by Age (%), 2009-2013
Figure 147: Canadian Life Expectancy (Number of Years), 2009-2013