Synopsis
The Spanish personal accident and health segment accounted for 15.3% of the industry’s written premium in 2013 – the lowest share of all segments. During the review period (2009–2013), demand for healthcare services and rising levels of healthcare expenditure supported the growth of private health insurance products. Despite the presence of a strong, government-backed national health service (NHS) the private health insurance category posted a review-period compound annual growth rate (CAGR) of 3.5%, in terms of gross written premium. Over the forecast period (2013–2018), the personal accident and health segment’s growth is expected to be driven by health insurance, which accounted for 80.0% of the segment in 2013. The personal accident and health gross written premium is expected to increase at a forecast-period CAGR of 4.2%.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in Spain:
• It provides historical values for the Spanish 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 Spanish 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 Spain.
• It profiles the top personal accident and health insurance companies in Spain and outlines the key regulations affecting them.
Summary
The report provides in-depth market analysis, information and insights into the Spanish personal accident and health insurance segment, including:
• The Spanish 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 Spanish personal accident and health insurance segment
• The detailed competitive landscape in the personal accident and health insurance segment in Spain
• Detailed regulatory policies of the Spanish insurance industry
• Analysis of various consumer segments in Spanish personal accident and health insurance
• Key developments in the Spanish personal accident and health insurance segment
• New products launched by Spanish personal accident and health insurers
Reasons To Buy
• Make strategic business decisions using in-depth historic and forecast market data related to Spanish personal accident and health insurance segment and each category within it.
• Understand the demand-side dynamics, key market trends and growth opportunities in the Spanish 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 Spanish insurance industry and their impact on companies and the industry's future.
Key highlights
• The personal accident and health insurance segment consists of both domestic and foreign insurers. Companies are supervised by the General Directorate of Insurance and Pension Funds, the Direccion General de Seguros y Fondos de Pensiones (DGSFP).
• Direct marketing was the leading distribution channel in the Spanish personal accident and health segment in 2013. The gross written premium generated through direct marketing accounted for 57.4% of the total written premium in 2013.
• Travel insurance was the fastest-growing category in terms of written premium, recording a review-period CAGR of 5.9%.
• The personal accident and health segment accounted for 15.3% of the industry’s gross written premium in 2013, after registering a review-period CAGR of 2.3%.
• The presence of efficient, free and compulsory public health insurance has left little scope for Spanish private health insurance. However, consumer demand for customized healthcare services drove the growth of private health insurance during the review period.
Table Of Contents
1 Key Facts and Top Events
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Spanish 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 Marine, aviation and transit insurance
7.2.5 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 Social insurance system
7.3.4 Air carriers and aircraft operators insurance
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors (IAIS)
7.4.2 European Insurance and Occupational Pensions Authority (EIOPA)
7.4.3 Directorate General of Insurance and Pension Funds (DGIPF)
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 Companies in the Spanish Personal Accident and Health Insurance Segment
8.3 Leading Personal accident and health Insurers – Product Portfolio
8.4 Leading Personal Accident and Health Insurers – Key Developments
8.5 Segurcaixa Adeslas – Company Overview
8.5.1 Segurcaixa Adeslas – key facts
8.6 Sanitas – Company Overview
8.6.1 Sanitas – key facts
8.7 Asisa – Company Overview
8.7.1 Asisa – key facts
8.8 IMQ Seguro Medico – Company Overview
8.8.1 IMQ Seguro Medico – key facts
8.9 DKV Seguros Medicos – Company Overview
8.9.1 DKV Seguros Medicos – key facts
8.1 Grupo Caser – Company Overview
8.10.1 Grupo Caser – key facts
8.11 Asistencia Sanitaria Colegial – Company Overview
8.11.1 Asistencia Sanitaria Colegial – key facts
8.12 Mutua Madrileña Automovilista SA – Company Overview
8.12.1 Mutua Madrileña Automovilista SA – key facts
8.13 Mapfre Caja Salud – Company Overview
8.13.1 Mapfre Caja Salud – key facts
8.14 Axa Winterthur Salud – Company Overview
8.14.1 Axa Winterthur Salud – key facts
9 Appendix – 1
9.1 Business Confidence
9.1.1 Market capitalization trend – Spain Stock Market (IBEX 35), Spain
9.2 Economic Performance
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$)
9.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
9.2.12 Construction net output at current prices, (US$)
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 EUR–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 Gross national disposable income (US$)
9.5.2 Household consumption expenditure (US$)
9.5.3 Total population
9.5.4 Urban and rural populations
9.5.5 Age distribution of the total population
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: Spanish Personal Accident and Health Insurance – Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Spanish Insurance – Gross Written Premium by Segment (EUR Billion), 2009–2013
Table 4: Spanish Insurance – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 5: Spanish Insurance – Gross Written Premium by Segment (EUR Billion), 2013–2018
Table 6: Spanish Insurance – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 7: Spanish Insurance – Segmentation, Gross Written Premium (% Share), 2009–2018
Table 8: Spanish Insurance – Direct Written Premium by Segment (EUR Billion), 2009–2013
Table 9: Spanish Insurance – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 10: Spanish Insurance – Direct Written Premium by Segment (EUR Billion), 2013–2018
Table 11: Spanish Insurance – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 12: Spanish Insurance – Segmentation, Direct Written Premium (% Share), 2009–2018
Table 13: Spanish Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Billion), 2009–2013
Table 14: Spanish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2009–2013
Table 15: Spanish Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Billion), 2013–2018
Table 16: Spanish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2013–2018
Table 17: Spanish Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2009–2013
Table 18: Spanish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2009–2013
Table 19: Spanish Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2013–2018
Table 20: Spanish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2013–2018
Table 21: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2009–2013
Table 22: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2013–2018
Table 23: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2009–2013
Table 24: Spanish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2009–2013
Table 25: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2013–2018
Table 26: Spanish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2013–2018
Table 27: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2009–2013
Table 28: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2009–2013
Table 29: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2013–2018
Table 30: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2013–2018
Table 31: Spanish Personal Accident and Health Insurance – Retention by Category (EUR Billion), 2009–2013
Table 32: Spanish Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2009–2013
Table 33: Spanish Personal Accident and Health Insurance – Retention by Category (EUR Billion), 2013–2018
Table 34: Spanish Personal Accident and Health Insurance – Retention by Category (US$ Billion), 2013–2018
Table 35: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2009–2013
Table 38: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2013–2018
Table 39: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Spanish Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2009–2013
Table 42: Spanish Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2013–2018
Table 43: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Table 44: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Table 45: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2009–2013
Table 46: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2013–2018
Table 47: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2009–2013
Table 48: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2013–2018
Table 49: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 50: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 51: Spanish Personal Accident Insurance – Gross Written Premium (EUR Million), 2009–2013
Table 52: Spanish Personal Accident Insurance – Gross Written Premium (EUR Million), 2013–2018
Table 53: Spanish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Spanish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 56: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 57: Spanish Travel Insurance – Gross Written Premium (EUR Billion), 2009–2013
Table 58: Spanish Travel Insurance – Gross Written Premium (EUR Billion), 2013–2018
Table 59: Spanish Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Spanish Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Spanish Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 62: Spanish Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 63: Spanish Health Insurance – Gross Written Premium (EUR Billion), 2009–2013
Table 64: Spanish Health Insurance – Gross Written Premium (EUR Billion), 2013–2018
Table 65: Spanish Health Insurance – Direct Written Premium (EUR Billion), 2009–2013
Table 66: Spanish Health Insurance – Direct Written Premium (EUR Billion), 2013–2018
Table 67: Spanish Health Insurance – Loss Ratio (%), 2009–2013
Table 68: Spanish Health Insurance – Loss Ratio (%), 2013–2018
Table 69: Spanish Health Insurance – Retention (EUR Billion), 2009–2013
Table 70: Spanish Health Insurance – Retention (EUR Billion), 2013–2018
Table 71: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Table 72: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Table 73: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Billion), 2009–2013
Table 74: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Billion), 2013–2018
Table 75: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 76: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 77: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 78: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 79: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Table 80: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Table 81: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (EUR Million), 2009–2013
Table 82: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (EUR Million), 2013–2018
Table 83: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 84: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 85: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 86: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 87: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2009–2013
Table 88: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2013–2018
Table 89: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Billion), 2009–2013
Table 90: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Billion), 2013–2018
Table 91: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 92: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 93: Spanish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 94: Spanish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 95: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2009–2013
Table 96: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2013–2018
Table 97: Spanish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (EUR Million), 2009–2013
Table 98: Spanish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (EUR Million), 2013–2018
Table 99: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 100: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 101: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Table 102: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Table 103: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2009–2013
Table 104: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2013–2018
Table 105: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Billion), 2009–2013
Table 106: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Billion), 2013–2018
Table 107: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Table 108: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Table 109: Spanish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 110: Spanish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 111: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2009–2013
Table 112: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2013–2018
Table 113: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2009–2013
Table 114: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2013–2018
Table 115: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 116: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 117: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 118: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 119: Spain – Life Insurance Regulatory Framework
Table 120: Spain – Property Insurance Regulatory Framework
Table 121: Spain – Motor Insurance Regulatory Framework
Table 122: Spain – Minimum Coverage for Aircraft Third-Party Liability Per Accident Per Aircraft
Table 123: Spain – Insurance Premium Taxation
Table 124: Spain – Corporate Tax Rates for the Financial Year 2013
Table 125: Companies Operating in the Spanish Personal Accident and Health Insurance Segment
Table 126: Segurcaixa Adeslas, Key Facts
Table 127: Sanitas, Key Facts
Table 128: Asisa, Key Facts
Table 129: IMQ Seguro Medico, Key Facts
Table 130: DKV Seguros Medicos, Key Facts
Table 131: Grupo Caser, Key Facts
Table 132: Asistencia Sanitaria Colegial, Key Facts
Table 133: Mutua Madrileña Automovilista SA, Key Facts
Table 134: Mapfre Caja Salud, Key Facts
Table 135: Axa Winterthur Salud, Key Facts
List Of Figures
Figure 1: Spanish Insurance – Gross Written Premium by Segment (EUR Billion), 2009–2018
Figure 2: Spanish Insurance – Dynamics by Segment, Gross Written premium (2009–2018)
Figure 3: Spanish Insurance – Direct Written Premium by Segment (EUR Billion), 2009–2018
Figure 4: Spanish Insurance – Dynamics by Segment, Direct Written premium (2009–2018)
Figure 5: Gross Written Premium and Health Expenditure Statistics, 2009–2012
Figure 6: Population Distribution and Consumer Segmentation by Age Group
Figure 7: Rural and Urban Populations (%) and Outbound Tourists (Million), 2009–2013
Figure 8: Spanish Personal Accident and Health Insurance – Gross Written Premium by Category (EUR Billion), 2009–2018
Figure 9: Spanish Personal Accident and Health Insurance – Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 10: Spanish Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 11: Spanish Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2009–2018
Figure 12: Spanish Personal Accident and Health Insurance – Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 13: Spanish Personal Accident and Health Insurance – Dynamics by Category, 2009–2018
Figure 14: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2009–2013
Figure 15: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion), 2013–2018
Figure 16: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR Billion), 2009–2018
Figure 17: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR Billion), 2009–2018
Figure 18: Spanish Personal Accident and Health Insurance – Retention by Category (EUR Billion), 2009–2018
Figure 19: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 20: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 21: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2009–2013
Figure 22: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR Billion), 2013–2018
Figure 23: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 24: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 25: Spanish Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2009–2013
Figure 26: Spanish Personal Accident and Health Insurance – Fraud and Crime (EUR Million), 2013–2018
Figure 27: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2009–2013
Figure 28: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion), 2013–2018
Figure 29: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2009–2013
Figure 30: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR Million), 2013–2018
Figure 31: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2009–2013
Figure 32: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion), 2013–2018
Figure 33: Spanish Personal Accident and Health Insurance – Investment Portfolio (EUR Billion), 2009–2013
Figure 34: Spanish Personal Accident and Health Insurance – Investment Portfolio (Percentage Share), 2009 and 2013
Figure 35: Spanish Personal Accident and Health Insurance Penetration (Percentage of GDP), 2009–2013
Figure 36: Spanish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 37: Spanish Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 38: Spanish Personal Accident and Health Insurance – Premium per Capita (EUR), 2009–2013
Figure 39: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 40: Spanish Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 41: Spanish Personal Accident Insurance – Gross Written Premium (EUR Million), 2009–2013
Figure 42: Spanish Personal Accident Insurance – Gross Written Premium (EUR Million), 2013–2018
Figure 43: Spanish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 44: Spanish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 45: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 46: Spanish Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 47: Spanish Travel Insurance – Gross Written Premium (EUR Billion), 2009–2013
Figure 48: Spanish Travel Insurance – Gross Written Premium (EUR Billion), 2013–2018
Figure 49: Spanish Travel Insurance – Loss Ratio (%), 2009–2013
Figure 50: Spanish Travel Insurance – Loss Ratio (%), 2013–2018
Figure 51: Spanish Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 52: Spanish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 53: Spanish Health Insurance – Gross Written Premium (EUR Billion), 2009–2013
Figure 54: Spanish Health Insurance – Gross Written Premium (EUR Billion), 2013–2018
Figure 55: Spanish Health Insurance – Direct Written Premium (EUR Billion), 2009–2013
Figure 56: Spanish Health Insurance – Direct Written Premium (EUR Billion), 2013–2018
Figure 57: Spanish Health Insurance – Loss Ratio (%), 2009–2013
Figure 58: Spanish Health Insurance – Loss Ratio (%), 2013–2018
Figure 59: Spanish Health Insurance – Retention (EUR Billion), 2009–2013
Figure 60: Spanish Health Insurance – Retention (EUR Billion), 2013–2018
Figure 61: Spanish Personal Accident and Health Insurance – Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 62: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2009–2013
Figure 63: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid (EUR Million), 2013–2018
Figure 64: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Billion), 2009–2013
Figure 65: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (EUR Billion), 2013–2018
Figure 66: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 67: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 68: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 69: Spanish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 70: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2009–2013
Figure 71: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid (EUR Million), 2013–2018
Figure 72: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (EUR Million), 2009–2013
Figure 73: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (EUR Million), 2013–2018
Figure 74: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 75: Spanish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 76: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 77: Spanish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 78: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2009–2013
Figure 79: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR Million), 2013–2018
Figure 80: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Billion), 2009–2013
Figure 81: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Agencies (EUR Billion), 2013–2018
Figure 82: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 83: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 84: Spanish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 85: Spanish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 86: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2009–2013
Figure 87: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid (EUR Million), 2013–2018
Figure 88: Spanish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (EUR Million), 2009–2013
Figure 89: Spanish Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (EUR Million), 2013–2018
Figure 90: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Figure 91: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Figure 92: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Figure 93: Spanish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Figure 94: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2009–2013
Figure 95: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR Million), 2013–2018
Figure 96: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Billion), 2009–2013
Figure 97: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Brokers (EUR Billion), 2013–2018
Figure 98: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Figure 99: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Figure 100: Spanish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 101: Spanish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 102: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2009–2013
Figure 103: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels (EUR Million), 2013–2018
Figure 104: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2009–2013
Figure 105: Spanish Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (EUR Million), 2013–2018
Figure 106: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 107: Spanish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 108: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 109: Spanish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 110: Spain – Insurance Regulatory Framework
Figure 111: Spain – The Three Pillars of Solvency II
Figure 112: Spain – Insurance Supervision and Control at Various Levels
Figure 113: Spain – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 114: Spanish Stock Market (Ibex 35) Market Capitalization (US$ Billion), 2008–2012
Figure 115: Spanish GDP at Constant Prices (US$ Billion), 2009–2013
Figure 116: Spanish GDP Per Capita at Constant Prices (US$), 2009–2013
Figure 117: Spanish GDP at Current Prices (US$ Billion), 2009–2013
Figure 118: Spanish GDP Per Capita at Current Prices (US$), 2009–2013
Figure 119: Spanish GDP by Key Sector (%) 2008 and 2012
Figure 120: Spanish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 121: Spanish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 122: Spanish Manufacturing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 123: Spanish Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008–2011
Figure 124: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008–2012
Figure 125: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2008–2012
Figure 126: Spanish Construction Net Output at Current Prices (US$ Billion), 2008– 2012
Figure 127: Spanish Construction Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 128: Spanish Inflation Rate (%), 2009–2013
Figure 129: Spanish Exports as a Percentage of GDP (%), 2008–2012
Figure 130: Spanish Imports as a Percentage of GDP (%), 2008–2012
Figure 131: Spanish Merchandise Exports Growth (%), 2009–2012
Figure 132: Spanish Merchandise Imports Growth (%), 2009–2012
Figure 133: Spanish Annual Average Exchange Rate US$–EUR, 2009–2013
Figure 134: Spanish Commercial Vehicles Exports – Total Value (US$ Billion), 2009–2013
Figure 135: Spanish Commercial Vehicles Imports – Total Value (US$ Billion), 2009–2013
Figure 136: Spanish Automotive Exports – Total Value (US$ Billion), 2009–2013
Figure 137: Spanish Automotive Imports – Total Value (US$ Billion), 2009–2013
Figure 138: Spanish Internet Subscriptions (Millions), 2009–2013
Figure 139: Spanish Size of Labor Force (Million), 2008–2012
Figure 140: Spanish Unemployment Rate (%), 2009–2013
Figure 141: Spanish Gross National Disposable Income (US$ Billion), 2008–2012
Figure 142: Spanish Household Consumption Expenditure (US$ Billion), 2009–2013
Figure 143: Spanish Total Population (Million), 2009–2013
Figure 144: Spanish Urban and Rural Populations (%), 2009–2013
Figure 145: Spanish Population Distribution by Age (%), 2008–2012
