Personal Accident and Health Insurance in Finland @ http://www.researchmoz.us/personal-accident-and-health-insurance-in-finland-key-trends-and-opportunities-to-2017-report.html In terms of gross written premium, personal accident and health is the smallest segment in the Finnish insurance industry. The government’s welfare system, under which healthcare services are free for all Finns, and wide social security cover have limited the requirement for private health insurance. Over the forecast period, personal accident and health insurance growth is expected to be driven by the health insurance category, which accounted for 59.9% of the segment in 2012.

1. Personal Accident and Health Insurance in Finland, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Finnish personal accident and health insurance segment, including:
The Finnish personal accident and health insurance segment’s growth prospects by insurance categories Key trends and drivers for the personal accident
and health insurance segment The various distribution channels in the Finnish personal accident and health insurance segment The detailed competitive landscape
in the personal accident and health insurance segment in Finland A detailed overview of the regulatory framework of the Finnish insurance industry A description
of the personal accident and health reinsurance segment in Finland Porter's Five Forces Analysis of the personal accident and health insurance segment A
benchmarking section on the Finnish life insurance segment in comparison with other countries in the Nordic Region
Executive summary
In terms of gross written premium, personal accident and health is the smallest segment in the Finnish insurance industry. The government’s welfare
system, under which healthcare services are free for all Finns, and wide social security cover have limited the requirement for private health insurance. Over the
forecast period, personal accident and health insurance growth is expected to be driven by the health insurance category, which accounted for 59.9% of the
segment in 2012. Overall, the value of the segment is expected to increase from EUR0.4 billion (US$0.5 billion) in 2012 to EUR0.6 billion (US$0.7 billion) in
2017, at a compound annual growth rate (CAGR) of 8.4%.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in Finland:
It provides historical values for the Finnish personal accident and health insurance segment for the report’s 2008–2012 review period and
expected figures for the 2012–2017 forecast period. It offers a detailed analysis of the key sub-segments in Finnish personal accident and health insurance
segment, along with market forecasts until 2017. 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 Finland. Using Porter’s industry-standard “Five Forces” analysis, it details the competitive
landscape in Finland for the personal accident and health insurance segment. It provides a detailed analysis of the reinsurance segment in Finland and its growth
prospects. It profiles the top personal accident and health insurance companies in Finland 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 Finnish personal accident and health insurance segment and
each category within it Understand the demand-side dynamics, key market trends and growth opportunities within the Finnish personal accident and health
insurance segment Assess the competitive dynamics in the personal accident and health insurance segment, along with the reinsurance segment Identify the
growth opportunities and market dynamics within key product categories Gain insights into key regulations governing the Finnish insurance industry and its
impact on companies and the market's future
Key highlights
Over the forecast period, personal accident and health insurance growth is expected to be driven by the health insurance category, which accounted for 59.9%
of the segment in 2012. Direct marketing channels, such as the insurers’ branches, accounted for 45.4% of the new business gross written premium in
2012, while bancassurance contributed 39.2%. The personal accident and health insurance segment accounted for the lowest share, just 2.0%, of the insurance
industry in 2012, in terms of total gross written premium. In 2012, the health category dominated personal accident and health insurance, with a segment share of
59.2%. The five leading companies collectively accounted for 85.9% of the segment’s gross written premium in 2012.
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Nordic Region Market Dynamics
3.1 Overview
3.1.1 Market Trends
3.1.2 Market Size
4 Personal Accident And Health Insurance Segment – Regional Benchmarking
4.1 Overview
4.2 Scale And Penetration
4.2.1 Total Gross Written Premium
4.2.2 Premium Per Capita
4.2.3 Personal Accident And Health Insurance Penetration (% Of Gdp)
4.3 Growth
4.3.1 Gross Written Premium
4.3.2 Gross Written Premium Per Capita
4.4 Efficiency And Risk
4.4.1 Loss Ratio
Personal Accident and Health Insurance in Finland, Key Trends and Opportunities to 2017

2. 4.4.2 Combined Ratio
4.4.3 Incurred Losses Per Capita
4.4.4 Incurred Losses As A Percentage Of Gdp
4.5 Distribution Channels
4.5.1 Direct Marketing
4.5.2 Bancassurance
4.5.3 Agencies
4.5.4 Brokers
4.5.5 Online Channels
5 Finnish Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends And Drivers
6 Personal Accident And Health Insurance Segment Outlook
6.1 Personal Accident And Health Insurance Growth Prospects By Category
6.1.1 Personal Accident Insurance
6.1.2 Travel Insurance
6.1.3 Health Insurance
7 Analysis By Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels
8 Porter’s Five Forces Analysis – Finnish Personal Accident And Health Insurance
8.1 Bargaining Power Of Suppliers: Low To Medium
8.2 Bargaining Power Of Buyers: High
8.3 Barriers To Entry: High
8.4 Intensity Of Rivalry: High
8.5 Threat Of Substitutes: Medium To High
9 Reinsurance Growth Dynamics And Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
10 Governance, Risk And Compliance
10.1 Legislation Overview And Historical Evolution
10.2 Regulations By Type Of Insurance
10.2.1 Life Insurance Regulations
10.2.2 Property Insurance Regulations
10.2.3 Motor Insurance Regulations
10.2.4 Marine, Aviation And Transit Insurance Regulations
10.2.5 Personal Accident And Health Insurance Regulations
10.3 Compulsory Insurance
10.3.1 Motor Third-party Liability Insurance
10.3.2 Workers’ Compensation Insurance
10.3.3 Air Carriers And Aircraft Operators Insurance
10.4 Supervision And Control
10.4.1 International Association Of Insurance Supervisors (iais)
10.4.2 European Insurance And Occupational Pension Authority (eiopa)
10.4.3 Financial Supervisory Authority (fsa)
10.5 Non-admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market Practices
10.5.4 Fines And Penalties
10.6 Company Registration And Operations
10.6.1 Types Of Insurance Organization
Personal Accident and Health Insurance in Finland, Key Trends and Opportunities to 2017

3. 10.6.2 Establishing A Local Company
10.6.3 Foreign Ownership
10.6.4 Types Of License
10.6.5 Capital Requirements
10.6.6 Solvency Margins
10.6.7 Reserve Requirements
10.6.8 Investment Regulations
10.6.9 Statutory Return Requirements
10.6.10 Fee Structure
10.7 Taxation
10.7.1 Insurance Premium Or Policy Taxation
10.7.2 Withholding Tax On Insurance Premium Paid Overseas
10.7.3 Corporate Tax
10.7.4 Vat
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access To Court
10.8.3 Alternative Dispute Resolution (adr)
11 Competitive Landscape And Strategic Insights
11.1 Overview
11.2 Leading Companies In Finnish Personal Accident And Health Insurance Segment
11.3 If P&c Insurance Company Ltd – Company Overview
11.3.1 If P&c Insurance Company Ltd – Key Facts
11.4 Pohjola Insurance Ltd – Company Overview
11.4.1 Pohjola Insurance Ltd – Key Facts
11.5 Localtapiola General Mutual Insurance Company – Company Overview
11.5.1 Localtapiola General Mutual Insurance Company – Key Facts
11.6 Eurooppalainen Insurance Company Ltd – Company Overview
11.6.1 Eurooppalainen Insurance Company Ltd – Key Facts
11.7 Fennia Mutual Insurance Company – Company Overview
11.7.1 Fennia Mutual Pension Insurance Company – Key Facts
11.8 Local Insurance Mutual Company – Company Overview
11.8.1 Local Insurance Mutual Company – Key Facts
11.9 Pohjantähti Mutual Insurance Company – Company Overview
11.9.1 Pohjantähti Mutual Insurance Company – Key Facts
11.1 Turva Mutual Insurance Company – Company Overview
11.10.1 Turva Mutual Insurance Company – Key Facts
11.11 Aktia Non-life Insurance Company Ltd – Company Overview
11.11.1 Aktia Non-life Insurance Company Ltd – Key Facts
11.12 Försäkringsaktiebolaget Alandia – Company Overview
11.12.1 Försäkringsaktiebolaget Alandia – Key Facts
12 Business Environment And Country Risk
12.1 Business Confidence
12.1.1 Market Capitalization Trend – Finnish Stock Exchange, Finland
12.2 Economic Performance
12.2.1 Gdp At Constant Prices (us$)
12.2.2 Gdp Per Capita At Constant Prices (us$)
12.2.3 Gdp At Current Prices (us$)
12.2.4 Gdp Per Capita At Current Prices (us$)
12.2.5 Gdp By Key Segments
12.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$)
12.2.7 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices, As A Percentage Of Gdp
12.2.8 Manufacturing Net Output At Current Prices (us$)
12.2.9 Manufacturing Net Output At Current Prices, As A Percentage Of Gdp
12.2.10 Mining, Manufacturing And Utilities At Current Prices (us$)
12.2.11 Mining, Manufacturing And Utilities At Current Prices, As A Percentage Of Gdp
12.2.12 Construction Net Output At Current Prices (us$)
12.2.13 Construction Net Output At Current Prices As A Percentage Of Gdp
12.2.14 Inflation Rate
12.2.15 Exports As A Percentage Of Gdp
12.2.16 Imports As A Percentage Of Gdp
12.2.17 Exports Growth
12.2.18 Imports Growth
Personal Accident and Health Insurance in Finland, Key Trends and Opportunities to 2017

4. 12.2.19 Annual Average Exchange Rate Eur–us$
12.3 Infrastructure Quality And Availability
12.3.1 Commercial Vehicle Exports Total Value
12.3.2 Commercial Vehicle Imports Total Value
12.3.3 Automotive Exports Total Value
12.3.4 Automotive Imports Total Value
12.3.5 Total Internet Subscribers
12.4 Labor Force
12.4.1 Labor Force
12.4.2 Unemployment Rate
12.5 Demographics
12.5.1 Gross National Disposable Income (us$)
12.5.2 Household Consumption Expenditure (us$)
12.5.3 Total Population
12.5.4 Urban And Rural Population
12.5.5 Age Distribution Of The Total Population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer
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Personal Accident and Health Insurance in Finland, Key Trends and Opportunities to 2017