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Personal Accident and Health Insurance in Estonia, Key Trends and Opportunities to 2018

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Date: 27-May-2015
No. of pages: 227
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Synopsis

Timetric's 'Personal Accident and Health Insurance in the Estonia, Key Trends and Opportunities to 2018' report provides detailed analysis of the market trends, drivers, challenges in the Estonian personal accident and health insurance segment. It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions during the review period (2009-2013) and forecast period (2013-2018). The report also analyzes distribution channels operating in the segment, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in regulatory structure.

Summary

Timetric's 'Personal Accident and Health Insurance in the Estonia, Key Trends and Opportunities to 2018' report provides in-depth market analysis, information and insights into the Estonian personal accident and health insurance segment, including:


  • The Estonian personal accident and health insurance segment's growth prospects by insurance category

  • Key trends, drivers and challenges for the personal accident and health insurance segment

  • The various distribution channels in the Estonian personal accident and health insurance segment

  • The detailed competitive landscape in the personal accident and health insurance segment in Estonia

  • Detailed regulatory policies of the Estonian insurance industry

  • Analysis of various consumer segments in Estonian personal accident and health insurance

  • Key developments in the Estonian personal accident and health insurance segment

  • New product developments by Estonian personal accident and health insurers


Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in Estonia:


  • It provides historical values for the Estonian personal accident and health insurance segment for the report's 2009-2013 review period, and projected figures for the 2013-2018 forecast period.

  • It offers a detailed analysis of the key categories in the Estonian personal accident and health insurance segment, along with market forecasts until 2018.

  • It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total investment income and retentions.

  • It analyses the various distribution channels for personal accident and health insurance products in Estonia.

  • It profiles the top personal accident and health insurance companies in Estonia and outlines the key regulations affecting them.


Reasons To Buy

  • Make strategic business decisions using in-depth historic and forecast market data related to the Estonian personal accident and health insurance segment and each category within it.

  • Understand the demand-side dynamics, key market trends and growth opportunities in the Estonian personal accident and health insurance segment.

  • Assess the competitive dynamics in the personal accident and health insurance segment.

  • Identify the growth opportunities and market dynamics in key product categories.

  • Gain insights into key regulations governing the Estonian insurance industry and their impact on companies and the industry's future.


Key Highlights

  • Estonia's personal accident and health insurance segment is dominated by foreign insurance companies and affiliated branches of foreign insurers.

  • The growth of the Estonian personal accident and health segment is attributed to the growth of the aging population, improved economic development and rising healthcare expenditure.

  • Brokers were the largest channel during the review period, with a 45.1% share of the segment's gross written premium in 2013.

  • The Estonian personal accident and health insurance segment is dominated by travel insurance.

  • Throughout the review period, the personal accident and health insurance segment maintained a combined ratio below 100%.

  • The number of policies sold by personal accident and health insurance companies grew at a review-period CAGR of 10.3%.

Personal Accident and Health Insurance in Estonia, 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 Estonian 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
5.5.4 Non-life health insurance
5.5.5 Life 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 Latest Changes in Regulations
7.3 Regulations and market practice by Type of Insurance
7.3.1 Life insurance
7.3.2 Property insurance
7.3.3 Motor insurance
7.3.4 Liability Insurance
7.3.5 Marine, aviation and transit insurance
7.3.6 Personal accident and health insurance
7.4 Compulsory Insurance
7.4.1 Motor third-party liability insurance
7.4.2 Social security system
7.4.3 Professional indemnity insurance for alternative investment fund managers
7.5 Supervision and Control
7.5.1 International Association of Insurance Supervisors (IAIS)
7.5.2 European Insurance and Occupational Pensions Authority (EIOPA)
7.5.3 Financial Supervision Authority
7.6 Non-Admitted Insurance Regulations
7.6.1 Overview
7.6.2 Intermediaries
7.6.3 Market practices
7.6.4 Fines and penalties
7.7 Company Registration and Operations
7.7.1 Types of insurance organization
7.7.2 Establishing a local company
7.7.3 Foreign ownership
7.7.4 Types of license
7.7.5 Capital requirements
7.7.6 Solvency margins
7.7.7 Reserve requirements
7.7.8 Investment regulations
7.7.9 Statutory return requirements
7.7.10 Fee structure
7.8 Taxation
7.8.1 Insurance premium or policy taxation
7.8.2 Corporate tax
7.8.3 VAT
7.8.4 Captives
7.9 Legal System
7.9.1 Introduction
7.9.2 Access to court
7.9.3 Alternative dispute resolution (ADR)

8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Estonian Personal Accident and Health Insurance Segment
8.3 New Product Development - During Review Period
8.4 Leading Personal accident and health Insurers - Key Developments
8.5 Inges Kindlustus - Company Overview
8.5.1 Inges Kindlustus - key facts
8.6 Ergo Insurance SE - Company Overview
8.6.1 Ergo Insurance SE - key facts
8.7 If P&C Insurance AS - Company Overview
8.7.1 If P&C Insurance AS - key facts
8.8 Seesam Insurance AS - Company Overview
8.8.1 Seesam Insurance AS - key facts
8.9 Salva Kindlustuse AS - Company Overview
8.9.1 Salva Kindlustuse AS - key facts
8.1 Swedbank Life Insurance SE - Company Overview
8.10.1 Swedbank Life Insurance SE - key facts
8.11 Swedbank P&C Insurance AS - Company Overview
8.11.1 Swedbank P&C Insurance AS - 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 key 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 vehicles exports - total value
9.2.2 Commercial vehicles 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 Labor Force
9.3.1 Labor force
9.3.2 Unemployment rate
9.4 Demographics
9.4.1 Real gross national disposable income (US$)
9.4.2 Household consumption expenditure (US$)
9.4.3 Total population
9.4.4 Urban and rural population
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: Estonian Personal Accident and Health Insurance - Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Estonian Insurance Industry - Gross Written Premium by Segment (EUR Million), 2009-2013
Table 4: Estonian Insurance Industry - Gross Written Premium by Segment (US$ Million), 2009-2013
Table 5: Estonian Insurance Industry - Gross Written Premium by Segment (EUR Million), 2013-2018
Table 6: Estonian Insurance Industry - Gross Written Premium by Segment (US$ Million), 2013-2018
Table 7: Estonian Insurance Industry - Gross Written Premium by Segment (Percentage Share), 2009-2018
Table 8: Estonian Insurance Industry - Direct Written Premium by Segment (EUR Million), 2009-2013
Table 9: Estonian Insurance Industry - Direct Written Premium by Segment (US$ Million), 2009-2013
Table 10: Estonian Insurance Industry - Direct Written Premium by Segment (EUR Million), 2013-2018
Table 11: Estonian Insurance Industry - Direct Written Premium by Segment (US$ Million), 2013-2018
Table 12: Estonian Insurance Industry - Direct Written Premium by Segment (Percentage Share), 2009-2018
Table 13: Estonian Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Million), 2009-2013
Table 14: Estonian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2009-2013
Table 15: Estonian Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Million), 2013-2018
Table 16: Estonian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2013-2018
Table 17: Estonian Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Million), 2009-2013
Table 18: Estonian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2009-2013
Table 19: Estonian Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Million), 2013-2018
Table 20: Estonian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2013-2018
Table 21: Estonian Personal Accident and Health Insurance - Earned Premium (EUR Million), 2009-2013
Table 22: Estonian Personal Accident and Health Insurance - Earned Premium (EUR Million), 2013-2018
Table 23: Estonian Personal Accident and Health Insurance - Paid Claims by Category (EUR Million), 2009-2013
Table 24: Estonian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2009-2013
Table 25: Estonian Personal Accident and Health Insurance - Paid Claims by Category (EUR Million), 2013-2018
Table 26: Estonian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2013-2018
Table 27: Estonian Personal Accident and Health Insurance - Incurred Loss by Category (EUR Million), 2009-2013
Table 28: Estonian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2009-2013
Table 29: Estonian Personal Accident and Health Insurance - Incurred Loss by Category (EUR Million), 2013-2018
Table 30: Estonian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2013-2018
Table 31: Estonian Personal Accident and Health Insurance - Retentions by Category (EUR Million), 2009-2013
Table 32: Estonian Personal Accident and Health Insurance - Retentions by Category (US$ Million), 2009-2013
Table 33: Estonian Personal Accident and Health Insurance - Retentions by Category (EUR Million), 2013-2018
Table 34: Estonian Personal Accident and Health Insurance - Retentions by Category (US$ Million), 2013-2018
Table 35: Estonian Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Table 36: Estonian Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Table 37: Estonian Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2009-2013
Table 38: Estonian Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2013-2018
Table 39: Estonian Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Table 40: Estonian Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Table 41: Estonian Personal Accident and Health Insurance - Fraud and Crime (EUR Thousand), 2009-2013
Table 42: Estonian Personal Accident and Health Insurance - Fraud and Crime (EUR Thousand), 2013-2018
Table 43: Estonian Personal Accident and Health Insurance - Total Assets (EUR Million), 2009-2013
Table 44: Estonian Personal Accident and Health Insurance - Total Assets (EUR Million), 2013-2018
Table 45: Estonian Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2009-2013
Table 46: Estonian Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2013-2018
Table 47: Estonian Personal Accident and Health Insurance - Retentions (EUR Million), 2009-2013
Table 48: Estonian Personal Accident and Health Insurance - Retentions (EUR Million), 2013-2018
Table 49: Estonian Personal Accident Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 50: Estonian Personal Accident Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 51: Estonian Personal Accident Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 52: Estonian Personal Accident Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 53: Estonian Personal Accident Insurance - Loss Ratio (%), 2009-2013
Table 54: Estonian Personal Accident Insurance - Loss Ratio (%), 2013-2018
Table 55: Estonian Travel Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 56: Estonian Travel Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 57: Estonian Travel Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 58: Estonian Travel Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 59: Estonian Travel Insurance - Loss Ratio (%), 2009-2013
Table 60: Estonian Travel Insurance - Loss Ratio (%), 2013-2018
Table 61: Estonian Health Insurance - Gross Written Premium by Sub-Category (EUR Million), 2009-2013
Table 62: Estonian Health Insurance - Gross Written Premium by Sub-Category (US$ Million), 2009-2013
Table 63: Estonian Health Insurance - Gross Written Premium by Sub-Category (EUR Million), 2013-2018
Table 64: Estonian Health Insurance - Gross Written Premium by Sub-Category (US$ Million), 2013-2018
Table 65: Estonian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 66: Estonian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 67: Estonian Non-Life Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 68: Estonian Non-Life Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 69: Estonian Non-Life Health Insurance - Direct Written Premium (EUR Million), 2009-2013
Table 70: Estonian Non-Life Health Insurance - Direct Written Premium (EUR Million), 2013-2018
Table 71: Estonian Non-Life Health Insurance - Loss Ratio (%), 2009-2013
Table 72: Estonian Non-Life Health Insurance - Loss Ratio (%), 2013-2018
Table 73: Estonian Non-Life Health Insurance - Retentions (EUR Million), 2009-2013
Table 74: Estonian Non-Life Health Insurance - Retentions (EUR Million), 2013-2018
Table 75: Estonian Life Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 76: Estonian Life Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 77: Estonian Life Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 78: Estonian Life Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 79: Estonian Life Health Insurance - Direct Written Premium (EUR Million), 2009-2013
Table 80: Estonian Life Health Insurance - Direct Written Premium (EUR Million), 2013-2018
Table 81: Estonian Life Health Insurance - Loss Ratio (%), 2009-2013
Table 82: Estonian Life Health Insurance - Loss Ratio (%), 2013-2018
Table 83: Estonian Life Health Insurance - Retentions (EUR Million), 2009-2013
Table 84: Estonian Life Health Insurance - Retentions (EUR Million), 2013-2018
Table 85: Estonian Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Table 86: Estonian Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Table 87: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 88: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 89: Estonian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 90: Estonian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 91: Estonian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 92: Estonian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 93: Estonian Personal Accident and Health Insurance - Bancassurance Commission Paid (EUR Million), 2009-2013
Table 94: Estonian Personal Accident and Health Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Table 95: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 96: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 97: Estonian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 98: Estonian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 99: Estonian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Table 100: Estonian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Table 101: Estonian Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2009-2013
Table 102: Estonian Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2013-2018
Table 103: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 104: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 105: Estonian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2009-2013
Table 106: Estonian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2013-2018
Table 107: Estonian Personal Accident and Health Insurance - Number of Agencies, 2009-2013
Table 108: Estonian Personal Accident and Health Insurance - Number of Agencies, 2013-2018
Table 109: Estonian Personal Accident and Health Insurance - E-Commerce Commission Paid (EUR Thousand), 2009-2013
Table 110: Estonian Personal Accident and Health Insurance - E-Commerce Commission Paid (EUR Thousand), 2013-2018
Table 111: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 112: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 113: Estonian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013
Table 114: Estonian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018
Table 115: Estonian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Table 116: Estonian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Table 117: Estonian Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Table 118: Estonian Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Table 119: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 120: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 121: Estonian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2009-2013
Table 122: Estonian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018
Table 123: Estonian Personal Accident and Health Insurance - Number of Brokers, 2009-2013
Table 124: Estonian Personal Accident and Health Insurance - Number of Brokers, 2013-2018
Table 125: Estonian Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Thousand), 2009-2013
Table 126: Estonian Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Thousand), 2013-2018
Table 127: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Table 128: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Table 129: Estonian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013
Table 130: Estonian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018
Table 131: Estonian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Table 132: Estonian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Table 133: Estonia - Life Insurance Regulatory Framework
Table 134: Estonia - Property Insurance Regulatory Framework
Table 135: Estonia - Motor Insurance Regulatory Framework
Table 136: Estonia - Liability Insurance Regulatory Framework
Table 137: Estonia - Minimum Capital Requirements
Table 138: Estonia - Corporate Tax Rates for the Financial Year 2015
Table 139: Key Insurers in the Estonian Personal Accident and Health Insurance Segment, 2013
Table 140: Inges Kindlustus, Key Facts
Table 141: Ergo Insurance SE, Key Facts
Table 142: If P&C Insurance AS, Key Facts
Table 143: Seesam Insurance AS, Key Facts
Table 144: Salva Kindlustuse AS, Key Facts
Table 145: Swedbank Life Insurance SE, Key Facts
Table 146: Swedbank P&C Insurance AS, Key Facts

List of Figures

Figure 1: Estonian Insurance Industry - Gross Written Premium by Segment (EUR Million), 2009-2018
Figure 2: Estonian Insurance Industry - Gross Written Premium Dynamics by Segment (2009-2018)
Figure 3: Estonian Insurance Industry - Direct Written Premium by Segment (EUR Million), 2009-2018
Figure 4: Estonian Insurance Industry - Direct Written Premium Dynamics by Segment (2009-2018)
Figure 5: Estonia Outbound Tourism (Million), 2009-2013
Figure 6: Estonian Gross Written Premium and Health Expenditure Statistics, 2009?2013
Figure 7: Estonia Population Distribution by Gender and Age Group
Figure 8: Estonian Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Million), 2009-2018
Figure 9: Estonian Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 10: Estonian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 11: Estonian Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Million), 2009-2018
Figure 12: Estonian Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 13: Estonian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018
Figure 14: Estonian Personal Accident and Health Insurance - Earned Premium (EUR Million), 2009-2013
Figure 15: Estonian Personal Accident and Health Insurance - Earned Premium (EUR Million), 2013-2018
Figure 16: Estonian Personal Accident and Health Insurance - Paid Claims by Category (EUR Million), 2009-2018
Figure 17: Estonian Personal Accident and Health Insurance - Incurred Loss by Category (EUR Million), 2009-2018
Figure 18: Estonian Personal Accident and Health Insurance - Retentions by Category (EUR Million), 2009-2018
Figure 19: Estonian Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013
Figure 20: Estonian Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018
Figure 21: Estonian Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2009-2013
Figure 22: Estonian Personal Accident and Health Insurance - Commission and Expenses (EUR Million), 2013-2018
Figure 23: Estonian Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013
Figure 24: Estonian Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018
Figure 25: Estonian Personal Accident and Health Insurance - Fraud and Crime (EUR Thousand), 2009-2013
Figure 26: Estonian Personal Accident and Health Insurance - Fraud and Crime (EUR Thousand), 2013-2018
Figure 27: Estonian Personal Accident and Health Insurance - Total Assets (EUR Million), 2009-2013
Figure 28: Estonian Personal Accident and Health Insurance - Total Assets (EUR Million), 2013-2018
Figure 29: Estonian Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2009-2013
Figure 30: Estonian Personal Accident and Health Insurance - Total Investment Income (EUR Million), 2013-2018
Figure 31: Estonian Personal Accident and Health Insurance - Retentions (EUR Million), 2009-2013
Figure 32: Estonian Personal Accident and Health Insurance - Retentions (EUR Million), 2013-2018
Figure 33: Estonian Personal Accident and Health Insurance - Investment Portfolio (EUR Million), 2009-2013
Figure 34: Estonian Personal Accident and Health Insurance - Investment Portfolio (% Share), 2009 and 2013
Figure 35: Estonian Personal Accident and Health Insurance Penetration (%), 2009-2013
Figure 36: Estonian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 37: Estonian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 38: Estonian Personal Accident and Health Insurance - Premium Per Capita (EUR), 2009-2013
Figure 39: Estonian Personal Accident Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 40: Estonian Personal Accident Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 41: Estonian Personal Accident Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 42: Estonian Personal Accident Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 43: Estonian Personal Accident Insurance - Loss Ratio (%), 2009-2013
Figure 44: Estonian Personal Accident Insurance - Loss Ratio (%), 2013-2018
Figure 45: Estonian Travel Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 46: Estonian Travel Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 47: Estonian Travel Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 48: Estonian Travel Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 49: Estonian Travel Insurance - Loss Ratio (%), 2009-2013
Figure 50: Estonian Travel Insurance - Loss Ratio (%), 2013-2018
Figure 51: Estonian Health Insurance - Gross Written Premium by Sub-Category (EUR Million), 2009-2018
Figure 52: Estonian Health Insurance - Gross Written Premium Dynamics by Sub-Category, 2009-2018
Figure 53: Estonian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 54: Estonian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 55: Estonian Non-Life Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 56: Estonian Non-Life Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 57: Estonian Non-Life Health Insurance - Direct Written Premium (EUR Million), 2009-2013
Figure 58: Estonian Non-Life Health Insurance - Direct Written Premium (EUR Million), 2013-2018
Figure 59: Estonian Non-Life Health Insurance - Loss Ratio (%), 2009-2013
Figure 60: Estonian Non-Life Health Insurance - Loss Ratio (%), 2013-2018
Figure 61: Estonian Non-Life Health Insurance - Retentions (EUR Million), 2009-2013
Figure 62: Estonian Non-Life Health Insurance - Retentions (EUR Million), 2013-2018
Figure 63: Estonian Life Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Figure 64: Estonian Life Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Figure 65: Estonian Life Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 66: Estonian Life Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 67: Estonian Life Health Insurance - Direct Written Premium (EUR Million), 2009-2013
Figure 68: Estonian Life Health Insurance - Direct Written Premium (EUR Million), 2013-2018
Figure 69: Estonian Life Health Insurance - Loss Ratio (%), 2009-2013
Figure 70: Estonian Life Health Insurance - Loss Ratio (%), 2013-2018
Figure 71: Estonian Life Health Insurance - Retentions (EUR Million), 2009-2013
Figure 72: Estonian Life Health Insurance - Retentions (EUR Million), 2013-2018
Figure 73: Estonian Personal Accident and Health Insurance - Gross Written Premium by Distribution Channel (% Share), 2013 and 2018
Figure 74: Estonian Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2009-2013
Figure 75: Estonian Personal Accident and Health Insurance - Direct Marketing Commission Paid (EUR Million), 2013-2018
Figure 76: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 77: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 78: Estonian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013
Figure 79: Estonian Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018
Figure 80: Estonian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Figure 81: Estonian Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Figure 82: Estonian Personal Accident and Health Insurance - Bancassurance Commission Paid (EUR Million), 2009-2013
Figure 83: Estonian Personal Accident and Health Insurance - Bancassurance Commission Paid (EUR Million), 2013-2018
Figure 84: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 85: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 86: Estonian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013
Figure 87: Estonian Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018
Figure 88: Estonian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Figure 89: Estonian Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Figure 90: Estonian Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2009-2013
Figure 91: Estonian Personal Accident and Health Insurance - Commission Paid to Agencies (EUR Million), 2013-2018
Figure 92: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 93: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 94: Estonian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2009-2013
Figure 95: Estonian Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2013-2018
Figure 96: Estonian Personal Accident and Health Insurance - Number of Agencies, 2009-2013
Figure 97: Estonian Personal Accident and Health Insurance - Number of Agencies, 2013-2018
Figure 98: Estonian Personal Accident and Health Insurance - E-Commerce Commission Paid (EUR Thousand), 2009-2013
Figure 99: Estonian Personal Accident and Health Insurance - E-Commerce Commission Paid (EUR Thousand), 2013-2018
Figure 100: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 101: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 102: Estonian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013
Figure 103: Estonian Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018
Figure 104: Estonian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Figure 105: Estonian Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Figure 106: Estonian Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2009-2013
Figure 107: Estonian Personal Accident and Health Insurance - Commission Paid to Brokers (EUR Million), 2013-2018
Figure 108: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 109: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 110: Estonian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2009-2013
Figure 111: Estonian Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018
Figure 112: Estonian Personal Accident and Health Insurance - Number of Brokers, 2009-2013
Figure 113: Estonian Personal Accident and Health Insurance - Number of Brokers, 2013-2018
Figure 114: Estonian Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Thousand), 2009-2013
Figure 115: Estonian Personal Accident and Health Insurance - Commission Paid to Other Channels (EUR Thousand), 2013-2018
Figure 116: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2009-2013
Figure 117: Estonian Personal Accident and Health Insurance - Gross Written Premium (EUR Million), 2013-2018
Figure 118: Estonian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013
Figure 119: Estonian Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018
Figure 120: Estonian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Figure 121: Estonian Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Figure 122: Estonia - Insurance Regulatory Framework
Figure 123: Estonia - The Three Pillars of Solvency II
Figure 124: Estonia - Insurance Supervision and Control at Various Levels
Figure 125: Estonia - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 126: Estonian GDP at Constant Prices (US$ Billion), 2009-2013
Figure 127: Estonian GDP Per Capita at Constant Prices (US$), 2009-2013
Figure 128: Estonian GDP at Current Prices (US$ Billion), 2009-2013
Figure 129: Estonian GDP Per Capita at Current Prices (US$), 2009-2013
Figure 130: Estonian GDP by Key Sector (%), 2009 and 2013
Figure 131: Estonian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Million), 2009-2013
Figure 132: Estonian Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2009-2013
Figure 133: Estonian Manufacturing Net Output at Current Prices (US$ Billion), 2009-2013
Figure 134: Estonian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2009-2013
Figure 135: Estonian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2009-2013
Figure 136: Estonian Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2009-2013
Figure 137: Estonian Construction Net Output at Current Prices (US$ Billion), 2009-2013
Figure 138: Estonian Construction Output at Current Prices as a Percentage of GDP (%), 2009-2013
Figure 139: Estonian Inflation Rate (%), 2009-2014
Figure 140: Estonian Exports as a Percentage of GDP (%), 2009-2013
Figure 141: Estonian Imports as a Percentage of GDP (%), 2009-2013
Figure 142: Estonian Merchandise Exports Growth (%), 2009–2013
Figure 143: Estonian Merchandise Imports Growth (%), 2009–2013
Figure 144: Estonian Annual Average Exchange Rate US$–EUR, 2009–2013
Figure 145: Estonian Commercial Vehicles Exports – Total Value (US$ Million), 2009–2013
Figure 146: Estonian Commercial Vehicles Imports – Total Value (US$ Million), 2009–2013
Figure 147: Estonian Automotive Exports – Total Value (US$ Million), 2009–2013
Figure 148: Estonian Automotive Imports – Total Value (US$ Billion), 2009–2013
Figure 149: Estonian Internet Subscriptions (Millions), 2009–2013
Figure 150: Estonian Size of Labor Force (Million), 2009–2013
Figure 151: Estonian Unemployment Rate (%), 2009–2013
Figure 152: Estonian Gross National Disposable Income (US$ Billion), 2009–2013
Figure 153: Estonian Household Consumption Expenditure (US$ Billion), 2009–2013
Figure 154: Estonian Total Population (Million), 2009–2013
Figure 155: Estonian Urban and Rural Population (%), 2009–2013
Figure 156: Estonian Population Distribution by Age (%), 2009–2013
Figure 157: Estonian Life Expectancy (Number of Years), 2009–2013

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