Personal Accident and Health Insurance in New Zealand, Key Trends and Opportunities to 2020

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 Assets and investments
5 Outlook by Category
5.1 Personal Accident Insurance
5.1.1 Premium
5.2 Health Insurance
5.2.1 Premium
5.2.2 Policies
5.3 Travel Insurance
5.3.1 Premium
5.3.2 Profitability
6 Distribution Channel Outlook
6.1 Analysis by Distribution Channel
6.1.1 Brokers and financial advisers
6.1.2 Bancassurance
6.1.3 E-commerce
6.1.4 Other Distribution Channels
7 Competitive Landscape
7.1 Company Profiles
7.1.1 Sovereign Assurance Company Ltd – company overview
7.1.2 Southern Cross Healthcare Group – company overview
7.1.3 AIA New Zealand – company overview
7.1.4 IAG New Zealand Ltd – company overview
7.1.5 Tower Insurance (NZ) Ltd – company overview
7.1.6 AIG Insurance New Zealand Ltd – 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 Liability insurance for maritime oil pollution
8.4.2 Insurance for clinical trials
8.4.3 Medical insurance for international students
8.5 Supervision and Control
8.5.1 International Association of Insurance Supervisors (IAIS)
8.5.2 Reserve Bank of New Zealand
8.5.3 Insurance Council of New Zealand
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
9.1.1 Claims and expenses
9.1.2 Assets and investments
9.1.3 Personal accident insurance
9.1.4 Health insurance
9.1.5 Health insurance by product
9.1.6 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

Table 1: New Zealand Personal Accident and Health Insurance – Key Facts, 2015
Table 2: New Zealand Personal Accident and Health Insurance – Leading Insurers, 2015
Table 3: New Zealand Government Credit Ratings
Table 4: New Zealand Personal Accident and Health Insurance – Gross Written Premium (HUF Billion and US$ Million), 2011–2015
Table 5: New Zealand Personal Accident and Health Insurance – Penetration (%), 2011–2015
Table 6: New Zealand Personal Accident and Health Insurance – Gross Written Premium (HUF Billion and US$ Million), 2015–2020
Table 7: New Zealand Personal Accident and Health Insurance – Penetration (%), 2015–2020
Table 8: New Zealand Personal Accident and Health Insurance – Premium per Capita (HUF and US$), 2011–2015
Table 9: New Zealand Personal Accident and Health Insurance – Premium per Capita (HUF and US$), 2015–2020
Table 10: New Zealand Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2011–2015
Table 11: New Zealand Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2015–2020
Table 12: New Zealand Personal Accident and Health Insurance – Paid Claims (HUF Billion and US$ Million), 2011–2015
Table 13: New Zealand Personal Accident and Health Insurance – Paid Claims (HUF Billion and US$ Million), 2015–2020
Table 14: New Zealand Personal Accident and Health Insurance – Profitability Ratio (%), 2011–2015
Table 15: New Zealand Personal Accident and Health Insurance – Profitability Ratio (%), 2015–2020
Table 16: New Zealand Personal Accident and Health Insurance – Total Assets (HUF Billion and US$ Million), 2011–2015
Table 17: New Zealand Personal Accident and Health Insurance – Total Assets (HUF Billion and US$ Million), 2015–2020
Table 18: New Zealand Personal Accident and Health Insurance – Total Investment Income (HUF Billion and US$ Million), 2011–2015
Table 19: New Zealand Personal Accident and Health Insurance – Total Investment Income (HUF Billion and US$ Million), 2015–2020
Table 20: New Zealand Personal Accident and Health Insurance – Investment Portfolio (HUF Billion), 2011–2015
Table 21: New Zealand Personal Accident and Health Insurance – Investment Portfolio (HUF Billion), 2015–2020
Table 22: New Zealand Personal Accident and Health Insurance – Gross Written Premium by Category (HUF Billion), 2011–2015
Table 23: New Zealand Personal Accident and Health Insurance – Gross Written Premium by Category (HUF Billion), 2015–2020
Table 24: New Zealand Personal Accident Insurance – Gross Written Premium (HUF Billion and US$ Million), 2011–2015
Table 25: New Zealand Personal Accident Insurance – Gross Written Premium (HUF Billion and US$ Million), 2015–2020
Table 26: New Zealand Personal Accident Insurance – Number of Policies Sold (Thousand), 2011–2015
Table 27: New Zealand Personal Accident Insurance – Number of Policies Sold (Thousand), 2015–2020
Table 28: New Zealand Personal Accident Insurance – Paid Claims (HUF Billion and US$ Million), 2011–2015
Table 29: New Zealand Personal Accident Insurance – Paid Claims (HUF Billion and US$ Million), 2015–2020
Table 30: New Zealand Personal Accident Insurance – Loss Ratio (%), 2011–2015
Table 31: New Zealand Personal Accident Insurance – Loss Ratio (%), 2015–2020
Table 32: New Zealand Health Insurance – Gross Written Premium by Sub-Category (HUF Billion and US$ Million), 2011–2015
Table 33: New Zealand Health Insurance – Direct Written Premium by Sub-Category (HUF Billion and US$ Million), 2015–2020
Table 34: New Zealand Health Insurance – Number of Policies Sold (Thousand), 2011–2015
Table 35: New Zealand Health Insurance – Number of Policies Sold (Thousand), 2015–2020
Table 36: New Zealand Health Insurance – Paid Claims (HUF Billion and US$ Million), 2011–2015
Table 37: New Zealand Health Insurance – Paid Claims (HUF Billion and US$ Million), 2015–2020
Table 38: New Zealand Health Insurance – Loss Ratio (%), 2011–2015
Table 39: New Zealand Health Insurance – Loss Ratio (%), 2015–2020
Table 40: New Zealand Travel Insurance – Gross Written Premium (HUF Billion), 2011–2015
Table 41: New Zealand Travel Insurance – Gross Written Premium (HUF Billion), 2015–2020
Table 42: New Zealand Travel Insurance – Number of Policies Sold (Million), 2011–2015
Table 43: New Zealand Travel Insurance – Number of Policies Sold (Million), 2015–2020
Table 44: New Zealand Travel Insurance – Paid Claims (HUF Million and US$ Million), 2011–2015
Table 45: New Zealand Travel Insurance – Paid Claims (HUF Million and US$ Million), 2015–2020
Table 46: New Zealand Travel Insurance – Loss Ratio (%), 2011–2015
Table 47: New Zealand Travel Insurance – Loss Ratio (%), 2015–2020
Table 48: New Zealand Personal Accident and Health Insurance – Leading Insurers, 2015
Table 49: Allianz Hungária Biztosító Zrt – Key Facts
Table 50: Generali Providencia Biztositó Zrt – Key Facts
Table 51: Magyar Posta Életbiztosító Zrt – Key Facts
Table 52: Groupama Garancia Biztosító Zrt – Key Facts
Table 53: Aegon Magyarország Általános Biztosító Zrt – Key Facts
Table 54: New Zealand – Insurance Regulatory Framework Key Features
Table 55: New Zealand – Life Insurance Regulatory Framework
Table 56: New Zealand – Property Insurance Regulatory Framework
Table 57: New Zealand – Motor Insurance Regulatory Framework
Table 58: New Zealand – Bonus-Malus System for Passenger Cars and Motorcycles
Table 59: New Zealand – Bonus-Malus System for Trucks, Buses, Tractors and Other Commercial Vehicles
Table 60: New Zealand – Liability Insurance Regulatory Framework
Table 61: New Zealand – Minimum Coverage for Aircraft Third-Party Liability per Accident and Aircraft
Table 1: New Zealand Personal Accident and Health Insurance – Key Facts, 2015
Table 2: New Zealand Personal Accident and Health Insurance – Top Insurers, 2015
Table 3: New Zealand Government Credit Ratings
Table 4: New Zealand Personal Accident and Health Insurance – Gross Written Premium (NZD Billion and US$ Billion), 2011–2015
Table 5: New Zealand Personal Accident and Health Insurance – Penetration (%), 2011–2015
Table 6: New Zealand Personal Accident and Health Insurance – Gross Written Premium (NZD Billion and US$ Billion), 2015–2020
Table 7: New Zealand Personal Accident and Health Insurance – Penetration (%), 2015–2020
Table 8: New Zealand Personal Accident and Health Insurance – Premium per Capita (NZD and US$), 2011–2015
Table 9: New Zealand Personal Accident and Health Insurance – Premium per Capita (NZD and US$), 2015–2020
Table 10: New Zealand Personal Accident and Health Insurance – Total Assets (NZD Billion and US$ Billion), 2011–2015
Table 11: New Zealand Personal Accident and Health Insurance – Total Assets (NZD Billion and US$ Billion), 2015–2020
Table 12: New Zealand Personal Accident and Health Insurance – Investment Portfolio (NZD Billion), 2011–2015
Table 13: New Zealand Personal Accident and Health Insurance – Investment Portfolio (NZD Billion), 2015–2020
Table 14: New Zealand Personal Accident and Health Insurance – Direct Written Premium by Category (NZD Billion), 2011–2015
Table 15: New Zealand Personal Accident and Health Insurance – Direct Written Premium by Category (NZD Billion), 2015–2020
Table 16: New Zealand Personal Accident Insurance – Direct Written Premium (NZD Billion and US$ Billion), 2011–2015
Table 17: New Zealand Personal Accident Insurance – Direct Written Premium (NZD Billion and US$ Billion), 2015–2020
Table 18: New Zealand Health Insurance – Direct Written Premium by Sub-Category (NZD Billion), 2011–2015
Table 19: New Zealand Health Insurance – Direct Written Premium by Sub-Category (NZD Billion), 2015–2020
Table 20: New Zealand Health Insurance – Number of Policies Sold by Sub-Category (Thousand), 2011–2015
Table 21: New Zealand Health Insurance – Number of Policies Sold by Sub-Category (Thousand), 2015–2020
Table 22: New Zealand Travel Insurance – Direct Written Premium (NZD Million), 2011–2015
Table 23: New Zealand Travel Insurance – Direct Written Premium (NZD Million), 2015–2020
Table 24: New Zealand Travel Insurance – Loss Ratio (%), 2011–2015
Table 25: New Zealand Travel Insurance – Loss Ratio (%), 2015–2020
Table 26: New Zealand Personal Accident and Health Segment – Top Insurers, 2015
Table 27: Sovereign Assurance Company Ltd – Key Facts
Table 28: Southern Cross Healthcare Group – Key Facts
Table 29: AIA New Zealand – Key Facts
Table 30: IAG New Zealand Ltd – Key Facts
Table 31: Tower Insurance (NZ) Ltd – Key Facts
Table 32: AIG Insurance New Zealand Ltd – Key Facts
Table 33: New Zealand – Insurance Regulatory Framework Key Features
Table 34: New Zealand – Life Insurance Regulatory Framework
Table 35: New Zealand – Property Insurance Regulatory Framework
Table 36: New Zealand– Motor Insurance Regulatory Framework
Table 37: New Zealand – Liability Insurance Regulatory Framework
Table 38: New Zealand – Capital Requirements for Establishment of Insurance Companies
Table 39: New Zealand – Corporate Tax Rates for the Financial Year 2017
Table 40: New Zealand Personal Accident and Health Insurance Industry – Policies and Premium, 2011–2015
Table 41: New Zealand Personal Accident and Health Insurance Industry – Policies and Premium, 2015–2020
Table 42: New Zealand Personal Accident and Health Insurance – Claims and Expenses, 2011–2015
Table 43: New Zealand Personal Accident and Health Insurance – Claims and Expenses, 2015–2020
Table 44: New Zealand Personal Accident and Health Insurance – Assets and Investments, 2011–2015
Table 45: New Zealand Personal Accident and Health Insurance – Assets and Investments, 2015–2020
Table 46: New Zealand Personal Accident and Health Insurance – Personal Accident Insurance, 2011–2015
Table 47: New Zealand Personal Accident and Health Insurance – Personal Accident Insurance, 2015–2020
Table 48: New Zealand Personal Accident and Health Insurance – Health Insurance, 2011–2015
Table 49: New Zealand Personal Accident and Health Insurance – Health Insurance, 2015–2020
Table 50: New Zealand Personal Accident and Health Insurance – Health by Product, 2011–2015
Table 51: New Zealand Personal Accident and Health Insurance – Health by Product, 2015–2020
Table 52: New Zealand Personal Accident and Health Insurance – Travel Insurance, 2011–2015
Table 53: New Zealand Personal Accident and Health Insurance – Travel Insurance, 2015–2020
Table 54: Insurance Industry Definitions

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