1.
Personal Accident and Health Insurance in Pakistan, Key Trends
and Opportunities to 2016
Report Details:
Published:August 2012
No. of Pages: 193
Price: Single User License – US$1950
Synopsis
The report provides in depth market analysis, information and insights into the Pakistan personal
accident and health insurance market, including:
•The Pakistan life insurance market’s growth prospects by personal accident and health insurance
categories and customer segments
•The various distribution channels in the Pakistan personal accident and health insurance market
•The competitive landscape in the Pakistan personal accident and health insurance market
•A description of the personal accident and health reinsurance market in Pakistan
The personal accident and health insurance segment demonstrated a robust performance during
the review period. The growth in the segment was driven by the positive economic outlook, rising
healthcare expenditure in the country, increasing government initiatives and growing consumer
awareness about the benefits of personal accident insurance. Improving macroeconomic
fundamentals are expected to improve the income levels of Pakistanis, resulting in a rise in the
volume of personal accident and health insurance products. The expansion and development of
distribution networks across rural and urban areas of Pakistan have been the key focus of
personal accident and health insurance companies. Insurance companies are adopting various
distribution networks in order to reach out to the customer base.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance
market in Pakistan:
•It provides historical values for the Pakistan personal accident and health insurance market for
the report’s 2007–2011 review period and forecast figures for the 2012–2016 forecast period
•It offers a detailed analysis of the key sub-segments in the Pakistan personal accident and health
insurance market, along with market forecasts until 2016
•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 insurance products in Pakistan

2.
•Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in
Pakistan for personal accident and health insurance business
•It provides a detailed analysis of the reinsurance market in Pakistan and its growth prospects
•It profiles the top personal accident and health insurance companies in Pakistan and outlines the
key regulations affecting them
Key highlights
•The expansion and development of distribution networks across rural and urban areas of
Pakistan has been the key focus of personal accident and health insurance companies. The
insurance companies are adopting various distribution networks in order to reach out to the
customer base.
•The inadequate public healthcare system, coupled with rising numbers of infectious diseases, is
expected to increase the scope of private health insurance over the forecast period.
•The country experienced a growing number of infectious diseases and the increasing cost of
medical treatment made the treatment of diseases almost unaffordable for low income groups.
These factors forced consumers to avail of private health insurance plans in order to avoid any
financial liabilities due to illness.
•Investor-friendly FDI regulation, coupled with strong growth in the segment, is expected to
encourage various international companies to enter the segment, intensifying competition over
the forecast period. Moreover, solvency regulations for minimum capital requirements will
advance the requirement for additional financing sources for the companies operating in the
segment.
•The personal accident and health insurance segment in Pakistan is highly concentrated. In order
to enhance market share in the Pakistani personal accident and health insurance segment, many
companies are expanding their business operations by acquiring stakes in other major
companies.
Reasons to buy
•Make strategic business decisions using in depth historic and forecast market data related to the
Pakistan personal accident and health insurance market and each sector within it
•Understand the demand-side dynamics, key market trends and growth opportunities within the
Pakistan personal accident and health insurance market
•Assess the competitive dynamics in the personal accident and health insurance market
•Identify the growth opportunities and market dynamics within key product categories
•Gain insights into key regulations governing the Pakistan insurance market and its impact on
companies and the market's future
Get your copy of this report @
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and-opportunities-to-2016.html
Major points covered in Table of Contents of this report include
Table of Contents

3.
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Pakistani Insurance Industry Attractiveness
3.1 Insurance Industry Market Size, 2007–2016
3.2 Key Industry Trends and Drivers
3.2.1 Business drivers
3.2.2 Consumer drivers
3.3 Recent Market Developments
4 Personal Accident and Health Insurance Segment Outlook
4.1 Personal Accident and Health Insurance Growth Prospects by Category
4.1.1 Personal accident category market size, 2007–2016
4.1.2 Travel insurance category market size, 2007–2016
4.1.3 Health insurance category market size, 2007–2016
4.1.4 Non-life health insurance sub-category market size, 2007–2011
4.1.5 Life health insurance sub-category market size, 2007–2011
5 Analysis by Distribution Channels
5.1 Direct Marketing Channel Market Size, 2007–2016
5.2 Bancassurance Channel Market Size, 2007–2016
5.3 Agencies Channel Market Size, 2007–2016
5.4 Other Channels Market Size, 2007–2016
6 Regulatory Policies
7 Porter’s Five Forces Analysis – Pakistani Personal Accident and Health Insurance
Segment
7.1 Bargaining Power of Supplier: Medium to High
7.2 Bargaining Power of Buyer: Medium
7.3 Barriers to Entry: Medium
7.4 Intensity of Rivalry: Medium
7.5 Threat of Substitutes: Low
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance Market Size, 2007–2016
8.2 Reinsurance Market Size by Type of Insurance, 2007–2016
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the Pakistan Personal Accident and Health Insurance Segment
9.3 Allianz EFU Health Insurance Ltd – Company Overview
9.3.1 Allianz EFU Health Insurance Ltd – key facts
9.3.2 Allianz EFU Health Insurance Ltd – main products
9.3.3 Allianz EFU Health Insurance Ltd – main competitors
9.3.4 Allianz EFU Health Insurance Ltd – key employees

4.
9.4 AsiaCare Health & Life Insurance Company Ltd – Company Overview
9.4.1 AsiaCare Health & Life Insurance Company Ltd – key facts
9.4.2 AsiaCare Health & Life Insurance Company Ltd – main products
9.4.3 AsiaCare Health & Life Insurance Company Ltd – main competitors
9.4.4 AsiaCare Health & Life Insurance Company Ltd – key employees
9.5 American Life Insurance Company (Pakistan) Limited– Company Overview
9.5.1 American Life Insurance Company (Pakistan) Ltd – key facts
9.5.2 American Life Insurance Company (Pakistan) Ltd – main products
9.5.3 American Life Insurance Company (Pakistan) Ltd – main competitors
9.5.4 American Life Insurance Company (Pakistan) Ltd – key employees
9.6 Adamjee Insurance Company Limited– Company Overview
9.6.1 Adamjee Insurance Company Ltd – key facts
9.6.2 Adamjee Insurance Company Ltd – main products
9.6.3 Adamjee Insurance Company Ltd – main competitors
9.6.4 Adamjee Insurance Company Ltd – key employees
9.7 East West Life Assurance Company Ltd – Company Overview
9.7.1 East West Life Assurance Company Ltd – key facts
9.7.2 East West Life Assurance Company Ltd – main products
9.7.3 East West Life Assurance Company Ltd – main competitors
9.7.4 East West Life Assurance Company Ltd – key employees
9.8 EFU General Insurance Ltd – Company Overview
9.8.1 EFU General Insurance Ltd – key facts
9.8.2 EFU General Insurance Ltd – main products
9.8.3 EFU General Insurance Ltd – main competitors
9.8.4 EFU General Insurance Ltd – key employees
9.9 IGI Insurance Ltd – Company Overview
9.9.1 IGI Insurance Ltd – key facts
9.9.2 IGI Insurance Ltd – main products
9.9.3 IGI Insurance Ltd – main competitors
9.9.4 IGI Insurance Ltd – key employees
9.1 Askari General Insurance Company Ltd – Company Overview
9.10.1 Askari General Insurance Company Ltd – key facts
9.10.2 Askari General Insurance Company Ltd – main products
9.10.3 Askari General Insurance Company Ltd – main competitors
9.10.4 Askari General Insurance Company Ltd – key employees
9.11 Jubilee General Insurance Company Ltd – Company Overview
9.11.1 Jubilee General Insurance Company Ltd – key facts
9.11.2 Jubilee General Insurance Company Ltd – main products
9.11.3 Jubilee General Insurance Company Ltd – main competitors
9.11.4 Jubilee General Insurance Company Ltd – key employees
10 Business Environment and Country Risk
10.1 Business Confidence

5.
10.1.1 Market capitalization trend – Karachi Stock Exchange, Pakistan
10.2 Economic Performance
10.2.1 GDP at constant prices (US dollar)
10.2.2 GDP per capita at constant prices (US dollar)
10.2.3 GDP at current prices (US dollar)
10.2.4 GDP per capita at current prices (US dollar)
10.2.5 GDP by key segments
10.2.6 Agricultural net output at current prices (PKR)
10.2.7 Agricultural net output at current prices (US dollar)
10.2.8 Agricultural net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (PKR)
10.2.10 Manufacturing net output at current prices (US dollar)
10.2.11 Manufacturing net output at current prices as a percentage of GDP
10.2.12 Mining, manufacturing and utilities net output at current prices (PKR)
10.2.13 Mining, manufacturing and utilities at current prices (US dollar)
10.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.15 Construction net output at current prices (PKR)
10.2.16 Construction net output at current prices, (US dollar)
10.2.17 Construction net output at current prices as a percentage of GDP
10.2.18 Inflation rate
10.2.19 Current account balance as a percentage of GDP
10.2.20 Exports as a percentage of GDP
10.2.21 Imports as a percentage of GDP
10.2.22 Exports growth
10.2.23 Imports growth
10.2.24 Annual average exchange rate US$–PKR
10.2.25 End-of-period exchange rate US$–PKR
10.3 Infrastructure Quality and Availability
10.3.1 Total airports and sea ports
10.3.2 Railways and roadways
10.3.3 Passenger vehicle production volume
10.3.4 Commercial vehicle production volume
10.3.6 Automotive component exports trend
10.3.7 Automotive component imports trend
10.3.8 Passenger car penetration
10.3.9 Healthcare expenditure
10.3.10 Healthcare expenditure as a percentage of GDP
10.3.11 Healthcare expenditure per capita
10.3.12 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate

6.
10.5 Demographics
10.5.1 Annual disposable income
10.5.2 Annual per capita disposable income
10.5.3 Total population
10.5.4 Urban and rural population
10.5.5 Female percentage of population
10.5.6 Male percentage of population
10.5.7 Mean age of the population
10.5.8 Median age of population
10.5.9 Population density
10.5.10 Age distribution of the total population
10.5.11 Age distribution of the male population
10.5.12 Age distribution of the female population
10.5.13 Number of households
10.6 Political and Social Risk
10.6.1 Political stability
10.6.2 Terrorism index
10.6.3 Transparency index
11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer
List of Tables
Table 1: Insurance Industry Definitions
Table 2: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 2007–2011
Table 3: Pakistani Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 2011–2016
Table 5: Pakistani Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: Pakistani Insurance Segmentation (%), 2007–2016
Table 7: Pakistani Personal Accident and Health Insurance Written Premium by Category (PKR
Billion), 2007–2011
Table 8: Pakistani Personal Accident and Health Insurance Written Premium by Category (US$
Billion), 2007–2011
Table 9: Pakistani Personal Accident and Health Insurance Written Premium by Category (PKR
Billion), 2011–2016
Table 10: Pakistani Personal Accident and Health Insurance Written Premium by Category (US$
Billion), 2011–2016
Table 11: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (PKR
Billion), 2007–2011
Table 12: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (US$
Billion), 2007–2011

7.
Table 13: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (PKR
Billion), 2011–2016
Table 14: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (US$
Billion), 2011–2016
Table 15: Pakistani Personal Accident and Health Insurance – Incurred Loss (PKR Billion),
2007–2011
Table 16: Pakistani Personal Accident and Health Insurance – Incurred Loss (PKR Billion),
2011–2016
Table 17: Pakistani Personal Accident and Health Insurance – Loss Ratio (%), 2007–2011
Table 18: Pakistani Personal Accident and Health Insurance – Loss Ratio (%), 2011–2016
Table 19: Pakistani Personal Accident and Health Insurance – Frauds and Crimes (PKR Billion),
2007–2011
Table 20: Pakistani Personal Accident and Health Insurance – Frauds and Crimes (PKR Billion),
2011–2016
Table 21: Pakistani Personal Accident and Health Insurance – Total Assets (PKR Billion),
2007–2011
Table 22: Pakistani Personal Accident and Health Insurance – Total Assets (PKR Billion),
2011–2016
Table 23: Pakistani Personal Accident and Health Insurance – Total Investment Income (PKR
Billion), 2007–2011
Table 24: Pakistani Personal Accident and Health Insurance – Total Investment Income (PKR
Billion), 2011–2016
Table 25: Pakistani Personal Accident and Health Insurance – Retentions (PKR Billion),
2007–2011
Table 26: Pakistani Personal Accident and Health Insurance – Retentions (PKR Billion),
2011–2016
Table 27: Pakistani Personal Accident Insurance Category by Volume (Thousand), 2007–2011
Table 28: Pakistani Personal Accident Insurance Category by Volume (Thousand), 2011–2016
Table 29: Pakistani Personal Accident Insurance Category by Written Premium (PKR Billion),
2007–2011
Table 30: Pakistani Personal Accident Insurance Category by Written Premium (PKR Billion),
2011–2016
Table 31: Pakistani Travel Insurance Category by Volume (Thousand), 2007–2011
Table 32: Pakistani Travel Insurance Category by Volume (Thousand), 2011–2016
Table 33: Pakistani Travel Insurance Category by Written Premium (PKR Billion), 2007–2011
Table 34: Pakistani Travel Insurance Category by Written Premium (PKR Billion), 2011–2016
Table 35: Pakistani Health Insurance Written Premium by Sub-Category (PKR Billion), 2007–2011
Table 36: Pakistani Health Insurance Written Premium by Sub-Category (US$ Billion), 2007–2011
Table 37: Pakistani Health Insurance Written Premium by Sub-Category (PKR Billion), 2011–2016
Table 38: Pakistani Health Insurance Written Premium by Sub-Category (US$ Billion), 2011–2016
Table 39: Pakistani Non-Life Health Insurance Sub-Category by Volume (Thousand), 2007–2011
Table 40: Pakistani Non-Life Health Insurance Sub-Category by Volume (Thousand), 2011–2016

8.
Table 41: Pakistani Non-Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2007–2011
Table 42: Pakistani Non-Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2011–2016
Table 43: Pakistani Life Health Insurance Sub-Category by Volume (Thousand), 2007–2011
Table 44: Pakistani Life Health Insurance Sub-Category by Volume (Thousand), 2011–2016
Table 45: Pakistani Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2007–2011
Table 46: Pakistani Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2011–2016
Table 47: Pakistani Personal Accident and Health Insurance – Direct Marketing Commission Paid
(PKR Billion), 2007–2011
Table 48: Pakistani Personal Accident and Health Insurance – Direct Marketing Commission Paid
(PKR Billion), 2011–2016
Table 49: Pakistani Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (PKR Billion), 2007–2011
Table 50: Pakistani Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (PKR Billion), 2011–2016
Table 51: Pakistani Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2007–2011
Table 52: Pakistani Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2011–2016
Table 53: Pakistani Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2007–2011
Table 54: Pakistani Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2011–2016
Table 55: Pakistani Personal Accident and Health Insurance – Bancassurance Commission Paid
(PKR Billion), 2007–2011
Table 56: Pakistani Personal Accident and Health Insurance – Bancassurance Commission Paid
(PKR Billion), 2011–2016
Table 57: Pakistani Personal Accident and Health Insurance – Written Premium Through
Bancassurance (PKR Billion), 2007–2011
Table 58: Pakistani Personal Accident and Health Insurance – Written Premium Through
Bancassurance (PKR Billion), 2011–2016
Table 59: Pakistani Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2007–2011
Table 60: Pakistani Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2011–2016
Table 61: Pakistani Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2007–2011
Table 62: Pakistani Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2011–2016

9.
Table 63: Pakistani Personal Accident and Health Insurance – Commission Paid to Agencies
(PKR Billion), 2007–2011
Table 64: Pakistani Personal Accident and Health Insurance – Commission Paid to Agencies
(PKR Billion), 2011–2016
Table 65: Pakistani Personal Accident and Health Insurance – Written Premium Through Agencies
(PKR Billion), 2007–2011
Table 66: Pakistani Personal Accident and Health Insurance – Written Premium Through Agencies
(PKR Billion), 2011–2016
Table 67: Pakistani Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2007–2011
Table 68: Pakistani Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2011–2016
Table 69: Pakistani Personal Accident and Health Insurance – Number of Agencies, 2007–2011
Table 70: Pakistani Personal Accident and Health Insurance – Number of Agencies, 2011–2016
Table 71: Pakistani Personal Accident and Health Insurance – Commission Paid to Other
Channels (PKR Billion), 2007–2011
Table 72: Pakistani Personal Accident and Health Insurance – Commission Paid to Other
Channels (PKR Billion), 2011–2016
Table 73: Pakistani Personal Accident and Health Insurance – Written Premium Through Other
Channels (PKR Billion), 2007–2011
Table 74: Pakistani Personal Accident and Health Insurance – Written Premium Through Other
Channels (PKR Billion), 2011–2016
Table 75: Pakistani Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2007–2011
Table 76: Pakistani Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2011–2016
Table 77: Pakistani Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2007–2011
Table 78: Pakistani Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2011–2016
Table 79: Reinsurance Market in Pakistan by Category (PKR Billion), 2007–2011
Table 80: Reinsurance Market in Pakistan by Category (US$ Billion), 2007–2011
Table 81: Reinsurance Market in Pakistan by Category (PKR Billion), 2011–2016
Table 82: Reinsurance Market in Pakistan by Category (US$ Billion), 2011–2016
Table 83: Pakistani Reinsurance Ceded by Type of Insurance (PKR Billion), 2007–2011
Table 84: Pakistani Reinsurance Ceded by Type of Insurance (US$ Billion), 2007–2011
Table 85: Pakistani Reinsurance Ceded by Type of Insurance (PKR Billion), 2011–2016
Table 86: Pakistani Reinsurance Ceded by Type of Insurance (US$ Billion), 2011–2016
Table 87: Pakistani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2007–2011
Table 88: Pakistani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2011–2016

10.
Table 89: Pakistan Personal Accident and Health Insurance, Market Leaders, 2011
Table 90: Allianz EFU Health Insurance Ltd, Key Facts
Table 91: Allianz EFU Health Insurance Ltd, Main Products
Table 92: Allianz EFU Health Insurance Ltd, Key Employees
Table 93: AsiaCare Health & Life Insurance Company Ltd, Key Facts
Table 94: AsiaCare Health & Life Insurance Company Ltd, Main Products
Table 95: AsiaCare Health & Life Insurance Company Ltd, Key Employees
Table 96: American Life Insurance Company (Pakistan) Ltd, Key Facts
Table 97: American Life Insurance Company (Pakistan) Ltd, Main Products
Table 98: American Life Insurance Company (Pakistan) Ltd, Key Employees
Table 99: Adamjee Insurance Company Ltd, Key Facts
Table 100: Adamjee Insurance Company Ltd, Main Products
Table 101: Adamjee Insurance Company Ltd, Key Employees
Table 102: East West Life Assurance Company Ltd, Key Facts
Table 103: East West Life Assurance Company Ltd, Main Products
Table 104: East West Life Assurance Company Ltd, Key Employees
Table 105: EFU General Insurance Ltd, Key Facts
Table 106: EFU General Insurance Ltd, Main Products
Table 107: EFU General Insurance Ltd, Key Employees
Table 108: lGI Insurance Ltd, Key Facts
Table 109: lGI Insurance Ltd, Main Products
Table 110: lGI Insurance Ltd, Key Employees
Table 111: Askari General Insurance Company Ltd, Key Facts
Table 112: Askari General Insurance Company Ltd, Main Products
Table 113: Askari General Insurance Company Ltd, Key Employees
Table 114: Jubilee General Insurance Company Ltd, Key Facts
Table 115: Jubilee General Insurance Company Ltd, Main Products
Table 116: Jubilee General Insurance Company Ltd, Key Employees
List of Figures
Figure 1: Pakistani Insurance Overall Written Premium by Segment (PKR Billion), 2007–2016
Figure 2: Pakistani Insurance Market Dynamics by Segment (%), 2007–2016
Figure 3: Pakistani Personal Accident and Health Insurance Written Premium by Category (PKR
Billion), 2007–2016
Figure 4: Pakistani Personal Accident and Health Insurance Written Premium by Category (%
Share), 2011 and 2016
Figure 5: Pakistani Personal Accident and Health Insurance Market Dynamics by Category,
2007–2016
Figure 6: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (PKR
Billion), 2007–2016
Figure 7: Pakistani Personal Accident and Health Insurance – Incurred Loss (PKR Billion),
2007–2011
Figure 8: Pakistani Personal Accident and Health Insurance – Incurred Loss (PKR Billion),

11.
2011–2016
Figure 9: Pakistani Personal Accident and Health Insurance – Loss Ratio (%), 2007–2011
Figure 10: Pakistani Personal Accident and Health Insurance – Loss Ratio (%), 2011–2016
Figure 11: Pakistani Personal Accident and Health Insurance – Frauds and Crimes (PKR Billion),
2007–2011
Figure 12: Pakistani Personal Accident and Health Insurance – Frauds and Crimes (PKR Billion),
2011–2016
Figure 13: Pakistani Personal Accident and Health Insurance – Total Assets (PKR Billion),
2007–2011
Figure 14: Pakistani Personal Accident and Health Insurance – Total Assets (PKR Billion),
2011–2016
Figure 15: Pakistani Personal Accident and Health Insurance – Total Investment Income (PKR
Billion), 2007–2011
Figure 16: Pakistani Personal Accident and Health Insurance – Total Investment Income (PKR
Billion), 2011–2016
Figure 17: Pakistani Personal Accident and Health Insurance – Retentions (PKR Billion),
2007–2011
Figure 18: Pakistani Personal Accident and Health Insurance – Retentions (PKR Billion),
2011–2016
Figure 19: Pakistani Personal Accident and Health Insurance – Investment by Type of Investment
(PKR Billion), 2007–2011
Figure 20: Pakistani Personal Accident and Health Insurance – Investment by Type of Investment
(% Share), 2007 and 2011
Figure 21: Pakistani Personal Accident and Health Insurance – Density and Penetration (%),
2007–2011
Figure 22: Pakistani Personal Accident and Health Insurance – Number of Policies Sold
(Thousand), 2007–2011
Figure 23: Pakistani Personal Accident and Health Insurance – Number of Policies Sold
(Thousand), 2011–2016
Figure 24: Pakistani Personal Accident and Health Insurance – Premium Per Capita (PKR),
2007–2011
Figure 25: Pakistani Personal Accident Insurance Category by Volume (Thousand), 2007–2011
Figure 26: Pakistani Personal Accident Insurance Category by Volume (Thousand), 2011–2016
Figure 27: Pakistani Personal Accident Insurance Category by Written Premium (PKR Billion),
2007–2011
Figure 28: Pakistani Personal Accident Insurance Category by Written Premium (PKR Billion),
2011–2016
Figure 29: Pakistani Travel Insurance Category by Volume (Thousand), 2007–2011
Figure 30: Pakistani Travel Insurance Category by Volume (Thousand), 2011–2016
Figure 31: Pakistani Travel Insurance Category by Written Premium (PKR Billion), 2007–2011
Figure 32: Pakistani Travel Insurance Category by Written Premium (PKR Billion), 2011–2016
Figure 33: Pakistani Health Insurance Written Premium by Sub-Category (PKR Billion),

12.
2007–2016
Figure 34: Pakistani Health Insurance Market Dynamics by Sub-Category, 2007–2016
Figure 35: Pakistani Non-Life Health Insurance Sub-Category by Volume (Thousand), 2007–2011
Figure 36: Pakistani Non-Life Health Insurance Sub-Category by Volume (Thousand), 2011–2016
Figure 37: Pakistani Non-Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2007–2011
Figure 38: Pakistani Non-Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2011–2016
Figure 39: Pakistani Life Health Insurance Sub-Category by Volume (Thousand), 2007–2011
Figure 40: Pakistani Life Health Insurance Sub-Category by Volume (Thousand), 2011–2016
Figure 41: Pakistani Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2007–2011
Figure 42: Pakistani Life Health Insurance Sub-Category by Written Premium (PKR Billion),
2011–2016
Figure 43: Pakistani Personal Accident and Health Insurance New Business Written Premium –
Market Shares by Distribution Channel (%), 2011 and 2016
Figure 44: Pakistani Personal Accident and Health Insurance – Direct Marketing Commission Paid
(PKR Billion), 2007–2011
Figure 45: Pakistani Personal Accident and Health Insurance – Direct Marketing Commission Paid
(PKR Billion), 2011–2016
Figure 46: Pakistani Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (PKR Billion), 2007–2011
Figure 47: Pakistani Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (PKR Billion), 2011–2016
Figure 48: Pakistani Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2007–2011
Figure 49: Pakistani Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2011–2016
Figure 50: Pakistani Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2007–2011
Figure 51: Pakistani Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2011–2016
Figure 52: Pakistani Personal Accident and Health Insurance – Bancassurance Commission Paid
(PKR Billion), 2007–2011
Figure 53: Pakistani Personal Accident and Health Insurance – Bancassurance Commission Paid
(PKR Billion), 2011–2016
Figure 54: Pakistani Personal Accident and Health Insurance – Written Premium Through
Bancassurance (PKR Billion), 2007–2011
Figure 55: Pakistani Personal Accident and Health Insurance – Written Premium Through
Bancassurance (PKR Billion), 2011–2016
Figure 56: Pakistani Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2007–2011

13.
Figure 57: Pakistani Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2011–2016
Figure 58: Pakistani Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2007–2011
Figure 59: Pakistani Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2011–2016
Figure 60: Pakistani Personal Accident and Health Insurance – Commission Paid to Agencies
(PKR Billion), 2007–2011
Figure 61: Pakistani Personal Accident and Health Insurance – Commission Paid to Agencies
(PKR Billion), 2011–2016
Figure 62: Pakistani Personal Accident and Health Insurance – Written Premium Through
Agencies (PKR Billion), 2007–2011
Figure 63: Pakistani Personal Accident and Health Insurance – Written Premium Through
Agencies (PKR Billion), 2011–2016
Figure 64: Pakistani Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2007–2011
Figure 65: Pakistani Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2011–2016
Figure 66: Pakistani Personal Accident and Health Insurance – Number of Agencies, 2007–2011
Figure 67: Pakistani Personal Accident and Health Insurance – Number of Agencies, 2011–2016
Figure 68: Pakistani Personal Accident and Health Insurance – Commission Paid to Other
Channels (PKR Billion), 2007–2011
Figure 69: Pakistani Personal Accident and Health Insurance – Commission Paid to Other
Channels (PKR Billion), 2011–2016
Figure 70: Pakistani Personal Accident and Health Insurance – Written Premium Through Other
Channels (PKR Billion), 2007–2011
Figure 71: Pakistani Personal Accident and Health Insurance – Written Premium Through Other
Channels (PKR Billion), 2011–2016
Figure 72: Pakistani Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2007–2011
Figure 73: Pakistani Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2011–2016
Figure 74: Pakistani Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2007–2011
Figure 75: Pakistani Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2011–2016
Figure 76: Pakistani Personal Accident and Health Insurance Segment – Five Forces Analysis
Figure 77: Premium Ceded to Reinsurance by Category (PKR Billion), 2007–2016
Figure 78: Reinsurance Premium Share by Category, 2011 and 2016
Figure 79: Reinsurance Market Dynamics by Category (%), 2007–2016
Figure 80: Pakistani Reinsurance Ceded by Type of Insurance (PKR Billion), 2007–2016
Figure 81: Pakistani Reinsurance Market Dynamics by Type of Insurance (%), 2007–2016

14.
Figure 82: Pakistani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2007–2011
Figure 83: Pakistani Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2011–2016
Figure 84: Karachi Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 85: Pakistani GDP at Constant Prices (US$ Billion), 2007–2011
Figure 86: Pakistani GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 87: Pakistani GDP at Current Prices (US$ Billion), 2007–2011
Figure 88: Pakistani GDP Per Capita at Current Prices (US$), 2007–2011
Figure 89: Pakistani GDP by Key Segments (%) 2009 and 2011
Figure 90: Pakistani Agricultural Net Output at Current Prices (PKR Billion), 2007–2011
Figure 91: Pakistani Agricultural Net Output at Current Prices (US$ Billion), 2007–2011
Figure 92: Pakistani Agricultural Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 93: Pakistani Manufacturing Net Output at Current Prices (PKR Billion), 2007–2011
Figure 94: Pakistani Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 95: Pakistani Manufacturing Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 96: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices (PKR Billion),
2007–2011
Figure 97: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion),
2007–2011
Figure 98: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices as a
Percentage of GDP (%), 2007–2011
Figure 99: Pakistani Construction Net Output at Current Prices (PKR Billion), 2007–2011
Figure 100: Pakistani Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 101: Pakistani Construction Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 102: Pakistani Inflation Rate (%), 2007–2011
Figure 103: Pakistani Current Account Balance as a Percentage of GDP(%), 2007–2011
Figure 104: Pakistani Exports as a Percentage of GDP (%), 2007–2011
Figure 105: Pakistani Imports as a Percentage of GDP (%), 2007–2011
Figure 106: Pakistani Exports Growth (%), 2007–2011
Figure 107: Pakistani Imports Growth (%), 2007–2011
Figure 108: Pakistani Annual Average Exchange Rate US$–PKR, 2007–2011
Figure 109: Pakistani End-of-Period Exchange Rate US$–PKR, 2007–2011
Figure 110: Pakistani Airports and Sea Ports (Number), 2011
Figure 111: Pakistani Railways and Roadways (Kilometers), 2011
Figure 112: Pakistani Passenger Vehicle Production, 2007–2011
Figure 113: Pakistani Commercial Vehicle Production, 2007–2011
Figure 114: Pakistani Automotive Component Exports (US$ Million), 2007–2011
Figure 115: Pakistani Automotive Component Imports (US$ Million), 2007–2011

15.
Figure 116: Pakistani Passenger Car Penetration (Per Thousand People), 2007–2011
Figure 117: Pakistani Healthcare Expenditure (US$ Billion), 2007–2011
Figure 118: Pakistani Healthcare Expenditure as a Percentage of GDP (%), 2007–2011
Figure 119: Pakistani Per Capita Healthcare Expenditure (US$), 2007–2011
Figure 120: Pakistani Internet Subscriptions (Million), 2007–2011
Figure 121: Pakistani Size of Labor Force in 15–59 Age Group (Million), 2007–2011
Figure 122: Pakistani Unemployment Rate (%), 2007–2011
Figure 123: Pakistani Annual Disposable Income (US$ Billion), 2007–2011
Figure 124: Pakistani Annual Per Capita Disposable Income (US$), 2007–2011
Figure 125: Pakistani Total Population (Million), 2007–2011
Figure 126: Pakistani Urban and Rural Population (%), 2007–2011
Figure 127: Pakistani Female as Percentage of Population (%), 2007–2011
Figure 128: Pakistani Male as Percentage of Population (%), 2007–2011
Figure 129: Pakistani Mean Age of Population (Year), 2007–2011
Figure 130: Pakistani Median Age of Population (Year), 2007–2011
Figure 131: Pakistani Population Density (per Square Kilometer), 2007–2011
Figure 132: Pakistani Population Distribution by Age (%), 2007–2011
Figure 133: Pakistani Male Population Distribution by Age (%), 2007–2011
Figure 134: Pakistani Female Population Distribution by Age (%), 2007–2011
Figure 135: Pakistani Households, Number of (Million), 2007–2011
Figure 136: Global Terrorism Heat Map, 2011
Figure 137: Pakistan Transparency Index, 2007–2011
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