Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2020
Table of Contents
1 Key Facts and Highlights
2 Executive Summary
3 Economy and Demographics
4 Segment Outlook
4.1 Regional Comparison
4.2 Segment Indicators
4.2.1 Gross written premium and penetration
4.2.2 Policies sold
4.2.3 Profitability
4.2.4 Assets and investments
5 Outlook by Category
5.1 Personal Accident Insurance
5.1.1 Premium
5.1.2 Policies
5.2 Health Insurance
5.2.1 Premium
5.2.2 Policies
5.3 Travel Insurance
5.3.1 Premium
5.3.2 Policies
6 Distribution Channel Outlook
6.1 Analysis by Distribution Channel
7 Competitive Landscape
7.1 Company Profiles
7.1.1 Metropolitan Life Asigurari SA - company overview
7.1.2 Omniasig Vienna Insurance Group SA - company overview
7.1.3 Allianz-Tiriac Asigurari SA - company overview
7.1.4 Signal Iduna Asigurari de Viata SA - company overview
7.1.5 Ergo Asigurari SA - company overview
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Latest Changes in Regulation
8.3 Legislation and Market Practice by Type of Insurance
8.3.1 Life insurance
8.3.2 Property insurance
8.3.3 Motor insurance
8.3.4 Liability insurance
8.3.5 Marine, aviation and transit insurance
8.3.6 Personal accident and health insurance
8.4 Compulsory Insurance
8.4.1 Motor third-party liability insurance
8.4.2 Air carriers and aircraft operators insurance
8.4.3 Insurance of dwellings against earthquakes, landslides and flooding
8.4.4 Nuclear liability insurance
8.4.5 Social security insurance
8.4.6 Professional indemnity insurance for alternative investment fund managers
8.4.7 Professional indemnity insurance for insurance intermediaries
8.4.8 Liability for ships with respect to oil pollution
8.5 Supervision and Control
8.5.1 International Association of Insurance Supervisors
8.5.2 European Insurance and Occupational Pensions Authority
8.5.3 Financial Supervisory Authority
8.5.4 Federation of European Risk Management Associations
8.5.5 National Association of Insurance and Reinsurance Companies
8.6 Non-Admitted Insurance Regulations
8.6.1 Overview
8.6.2 Intermediaries
8.6.3 Market practices
8.6.4 Fines and Penalties
8.7 Company Registration and Operations
8.7.1 Type of insurance organization
8.7.2 Establishing a local company
8.7.3 Foreign ownership
8.7.4 Types of license
8.7.5 Capital requirements
8.7.6 Solvency margin
8.7.7 Reserve requirements
8.7.8 Investment regulations
8.7.9 Statutory return requirements
8.7.10 Fee structure
8.8 Taxation
8.8.1 Insurance premium or policy taxation
8.8.2 Withholding taxes on premium paid overseas
8.8.3 Corporate tax
8.8.4 VAT
8.8.5 Captives
8.9 Legal System
8.9.1 Introduction
8.9.2 Access to court
8.9.3 Alternative dispute resolution
9 Databook
9.1 Policies and Premium
9.2 Claims and Expenses
9.3 Assets and Investments
9.4 Personal Accident Insurance
9.5 Health Insurance
9.6 Health Insurance by Product
9.7 Travel Insurance
10 Definitions and Methodology
10.1 Definitions
10.2 Methodology
11 About Timetric
11.1 Contact Timetric
11.2 About Timetric
11.3 Timetric's Services
11.4 Disclaimer
List of Tables
Table 1: Romanian Personal Accident and Health Insurance - Key Facts, 2015
Table 2: Romanian Personal Accident and Health Insurance - Top Insurers, 2015
Table 3: Romanian Government Credit Ratings
Table 4: Romanian Personal Accident and Health Insurance - Gross Written Premium (RON Million and US$ Million), 2011-2015
Table 5: Romanian Personal Accident and Health Insurance - Penetration (%), 2011-2015
Table 6: Romanian Personal Accident and Health Insurance - Gross Written Premium (RON Million and US$ Million), 2015-2020
Table 7: Romanian Personal Accident and Health Insurance - Penetration (%), 2015-2020
Table 8: Romanian Personal Accident and Health Insurance - Premium per Capita (RON and US$), 2011-2015
Table 9: Romanian Personal Accident and Health Insurance - Premium per Capita (RON and US$), 2015-2020
Table 10: Romanian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2011-2015
Table 11: Romanian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2015-2020
Table 12: Romanian Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2015
Table 13: Romanian Personal Accident and Health Insurance - Profitability Ratio (%), 2015-2020
Table 14: Romanian Personal Accident and Health Insurance - Total Assets (RON Million and US$ Million), 2011-2015
Table 15: Romanian Personal Accident and Health Insurance - Total Assets (RON Million and US$ Million), 2015-2020
Table 16: Romanian Personal Accident and Health Insurance - Investment Portfolio (RON Million), 2011-2015
Table 17: Romanian Personal Accident and Health Insurance - Investment Portfolio (RON Million), 2015-2020
Table 18: Romanian Personal Accident and Health Insurance - Direct Written Premium by Category (RON Million),2011-2015
Table 19: Romanian Personal Accident and Health Insurance - Direct Written Premium by Category (RON Billion), 2015-2020
Table 20: Romanian Personal Accident Insurance - Direct Written Premium (RON Million and US$ Million), 2011-2015
Table 21: Romanian Personal Accident Insurance - Direct Written Premium (RON Million and US$ Million), 2015-2020
Table 22: Romanian Personal Accident Insurance - Number of Policies Sold (Thousand), 2011-2015
Table 23: Romanian Personal Accident Insurance - Number of Policies Sold (Thousand), 2015-2020
Table 24: Romanian Health Insurance - Direct Written Premium by Sub-Category (RON Million), 2011-2015
Table 25: Romanian Health Insurance - Direct Written Premium by Sub-Category (RON Million), 2015-2020
Table 26: Romanian Health Insurance - Number of Policies Sold by Sub-Category (Thousand), 2011-2015
Table 27: Romanian Health Insurance - Number of Policies Sold by Sub-Category (Thousand), 2015-2020
Table 28: Romanian Travel Insurance - Direct Written Premium (RON Million), 2011-2015
Table 29: Romanian Travel Insurance - Direct Written Premium (RON Million), 2015-2020
Table 30: Romanian Travel Insurance - Number of Policies Sold (Thousand), 2011-2015
Table 31: Romanian Travel Insurance - Number of Policies Sold (Thousand), 2015-2020
Table 32: Romanian Personal Accident and Health Insurance - Top Insurers, 2015
Table 33: Metropolitan Life Asigurari SA - Key Facts
Table 34: Metropolitan Life Asigurari SA - Key Financials (RON Million), 2010-2014
Table 35: Omniasig Vienna Insurance Group SA - Key Facts
Table 36: Omniasig Vienna Insurance Group SA - Key Financials (RON Million), 2010-2014
Table 37: Allianz-Tiriac Asigurari SA - Key Facts
Table 38: Allianz-Tiriac Asigurari SA - Key Financials (RON Million), 2010-2014
Table 39: Signal Iduna Asigurari de Viata SA - Key Facts
Table 40: Ergo Asigurari SA - Key Facts
Table 41: Romania - Insurance Regulatory Framework Key Features
Table 42: Romania - Life Insurance Regulatory Framework
Table 43:Romania - Property Insurance Regulatory Framework
Table 44: Romania- Motor Insurance Regulatory Framework
Table 45: Romania - Life Insurance Regulatory Framework
Table 46: Romania - Liability Insurance Regulatory Framework
Table 47: Romania - Minimum Coverage for Aircraft Third-Party Liability Per Accident and Aircraft
Table 48: Romania - Corporate Tax Rates for the Financial Year 2017
Table 49: Romanian Personal Accident and Health Insurance Industry - Policies and Premium, 2011-2015
Table 50: Romanian Personal Accident and Health Insurance Industry - Policies and Premium, 2015-2020
Table 51: Romanian Personal Accident and Health Insurance - Claims and Expenses, 2011-2015
Table 52: Romanian Personal Accident and Health Insurance - Claims and Expenses, 2015-2020
Table 53: Romanian Personal Accident and Health Insurance - Assets and Investments, 2011-2015
Table 54: Romanian Personal Accident and Health Insurance - Assets and Investments, 2015-2020
Table 55: Romanian Personal Accident and Health Insurance - Personal Accident Insurance, 2011-2015
Table 56: Romanian Personal Accident and Health Insurance - Personal Accident Insurance, 2015-2020
Table 57: Romanian Personal Accident and Health Insurance - Health Insurance, 2011-2015
Table 58: Romanian Personal Accident and Health Insurance - Health Insurance, 2015-2020
Table 59: Romanian Personal Accident and Health Insurance - Health by Product, 2011-2015
Table 60: Romanian Personal Accident and Health Insurance - Health by Product, 2015-2020
Table 61: Romanian Personal Accident and Health Insurance - Travel Insurance, 2011-2015
Table 62: Romanian Personal Accident and Health Insurance - Travel Insurance, 2015-2020
Table 63: Insurance Industry Definitions
List of Figures
Figure 1: Romanian Real GDP (RON Billion), 2011-2020
Figure 2: Romanian Consumer Price Inflation (%), 2011-2020
Figure 3: Romanian Current Account Balance as Percentage of GDP (%), 2011-2016
Figure 4: Romanian Unemployment Rate, 2011-2020
Figure 5: Romanian Population by Age Group, 1992-2025
Figure 6: Romanian Personal Accident and Health Insurance Penetration - Regional Comparison (%), 2015
Figure 7: Romanian Insurance Segment Direct Written Premium Shares - Regional Comparison (%), 2015
Figure 8: Romanian Personal Accident and Health Insurance - Gross Written Premium (RON Million), 2011-2020
Figure 9: Romanian Personal Accident and Health Insurance - Penetration (%), 2011-2020
Figure 10: Romanian Personal Accident and Health Insurance - Premium per Capita (RON), 2011-2020
Figure 11: Romanian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2011-2020
Figure 12: Romanian Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2020
Figure 13: Romanian Personal Accident and Health Insurance - Total Assets (RON Million), 2011-2020
Figure 14: Romanian Personal Accident and Health Insurance - Investment Portfolio (RON Million), 2011-2020
Figure 15: Romanian Personal Accident and Health Insurance - Investment Portfolio Dynamics by Category, 2011-2020
Figure 16: Romanian Personal Accident and Health Insurance - Direct Written Premium by Category (RON Million), 2011-2020
Figure 17: Romanian Personal Accident and Health Insurance - Direct Written Premium Dynamics by Category, 2011-2020
Figure 18: Romanian Personal Accident Insurance - Direct Written Premium (RON Million), 2011-2020
Figure 19: Romanian Personal Accident Insurance - Number of Policies Sold (Thousand), 2011-2020
Figure 20: Romanian Health Insurance - Direct Written Premium by Sub-Category (RON Million), 2011-2020
Figure 21: Romanian Health Insurance - Direct Written Premium Dynamics by Sub-Category, 2011-2020
Figure 22: Romanian Health Insurance - Number of Policies Sold by Sub-Category (Thousand), 2011-2020
Figure 23: Romanian Travel Insurance - Direct Written Premium (RON Million), 2011-2020
Figure 24: Romanian Travel Insurance - Number of Policies Sold (Thousand), 2011-2020
Figure 25: Romania - The Three Pillars of Solvency II
Figure 26: Romania - Insurance Supervision and Control at Various Levels
Figure 27: Romania - Insurance Regulatory Frameworks for Company Registration and Operation
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