Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2019

Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2019


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Executive Summary

Synopsis

Timetric's 'Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers, challenges in the French personal accident and health insurance segment.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and claims during the review period (2010-2014) and forecast period (2014-2019).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of French economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric's research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary

Timetric's ' Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the French personal accident and health insurance segment, including:

French 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

A comprehensive overview of French economy and demographics

The various distribution channels in the French personal accident and health insurance segment

Details of the competitive landscape in the personal accident and health insurance segment in France

Details of regulatory policy applicable to the French insurance industry

Scope

This report provides a comprehensive analysis of the personal accident and health insurance segment in France:

It provides historical values for the French personal accident and health insurance segment for the report's 2010-2014 review period, and projected figures for the 2014-2019 forecast period.

It offers a detailed analysis of the key categories in the French personal accident and health insurance segment, and market forecasts to 2019.

It analyzes the various distribution channels for personal accident and health insurance products in France.

It profiles the top personal accident and health insurance companies in France, 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 French personal accident and health insurance segment, and each category within it.

Understand the demand-side dynamics, key market trends and growth opportunities in the French personal accident and health insurance segment.

Assess the competitive dynamics in the personal accident and health insurance segment.

Identify growth opportunities and market dynamics in key product categories.

Gain insights into key regulations governing the French insurance industry, and their impact on companies and the industry's future.

Key Highlights

Personal accident and health insurance was the fastest-growing segment in the French insurance industry in 2014, recording a review-period CAGR of 4.1%.

Agencies were a leading distribution channel for personal accident and health products during the review period, as a result of their large network, which is an efficient way to sell, promote and manage personal accident and health insurance products.

The regulatory Solvency II framework, implemented from January 2016, is expected to pose a challenge for small domestic insurers, driving then to reconsider risk and capital management strategies.

The French personal accident and health segment is consolidated and highly competitive, and is dominated by the five leading companies: Axa France Assurance, Groupama-Gan, Allianz France, CNP Assurance and Generali France.

In 2014, the 10 leading companies accounted for 78% of the segment's gross written premium, led by Axa France Assurance with 15.4%, followed by Groupama-Gan with 13.4% and Allianz France with 10.3%.



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1 Key Facts and Highlights

2 Executive Summary

3 Introduction

3.1 What is this Report About?

3.2 Definitions

3.3 Methodology

4 Economy and Demographics

5 Personal Accident and Health Insurance Segment Outlook

5.1 Key Drivers

5.2 Key Trends

5.3 Challenges

5.4 Personal Accident and Health Insurance Growth Prospects by Category

5.4.1 Personal accident insurance

5.4.2 Travel insurance

5.4.3 Health insurance

6 Analysis by Distribution Channel

7 Competitive Landscape and Strategic Insights

7.1 Overview

7.2 Leading Companies in the French Personal Accident and Health Insurance Segment

7.2.1 AxaFrance Assurance SAS-company overview

7.2.2 Groupama SA-company overview

7.2.3 Allianz France SA-company overview

7.2.4 CNP Assurances SA-company overview

7.2.5 GeneraliFrance SA-company overview

7.2.6 Credit Mutuel-company overview

7.2.7 Credit Agricole Assurances-company overview

8 Governance, Risk and Compliance

8.1 Legislation Overview and Historical Evolution

8.2 Latest Changes in Regulations

8.3 Legislation and Market Practice by Type of Insurance

8.3.1 Life insurance

8.3.2 Property insurance

8.3.3 Motor insurance

8.3.4 Liability insurance

8.3.5 Marine, aviation and transit insurance

8.3.6 Personal accident and health insurance

8.4 Compulsory Insurance

8.4.1 Motor third-party liability (MTPL) insurance

8.4.2 Workers' compensation

8.4.3 Air carriers and aircraft operators insurance

8.4.4 Professional indemnity insurance for alternative investment fund managers

8.5 Supervision and Control

8.5.1 International Association of Insurance Supervisors (IAIS)

8.5.2 European Insurance and Occupational Pensions Authority

8.5.3 Autorite de Controle Prudentiel

8.5.4 Autorite des Marches Financiers (AMF)

8.5.5 Federation of European Risk Management Associations (FERMA)

8.6 Non-Admitted Insurance

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 Types 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 margins

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 (ADR)

9 Appendix

9.1 Methodology

9.2 Contact Timetric

9.3 About Timetric

9.4 Timetric's Services

9.5 Disclaimer

Figure 1: France GDP-Contribution by Sector (%), Value Added in 2015

Figure 2: France Real GDP (EUR Trillion), 2010-2019

Figure 3: EUR-USD Exchange Rate, 2010-2019

Figure 4: French Consumer Price Inflation, 2010-2019

Figure 5: French Current Account Balance (% of GDP), 2010-2014

Figure 6: French Unemployment Rate, 2010-2019

Figure 7: French Population by Age Group, 1991-2025

Figure 8: Outbound Tourists in France (Million), 2010-2014

Figure 9: Annual disposable income (Per capita '000), 2010-2014

Figure 10: French Personal Accident and Health Insurance-Direct Written Premium by Category (EUR Billion), 2010-2019

Figure 11: French Personal Accident and Health Insurance-Direct Written Premium by Category (% Share), 2014 and 2019

Figure 12: French Personal Accident and Health Insurance-Gross Written Premium Dynamics by Category, 2010-2019

Figure 13: French Personal Accident and Health Insurance-Net Earned Premium (EUR Billion), 2010-2014

Figure 14: French Personal Accident and Health Insurance-Net Earned Premium (EUR Billion), 2014-2019

Figure 15: French Personal Accident and Health Insurance-Incurred Loss by Category (EUR Billion), 2010-2019

Figure 16: French Personal Accident and Health Insurance-Loss Ratio (%), 2010-2014

Figure 17: French Personal Accident and Health Insurance-Loss Ratio (%), 2014-2019

Figure 18: French Personal Accident and Health Insurance-Commission and Expenses (EUR Billion), 2010-2014

Figure 19: French Personal Accident and Health Insurance-Commission and Expenses (EUR Billion), 2014-2019

Figure 20: French Personal Accident and Health Insurance-Combined Ratio (%), 2010-2014

Figure 21: French Personal Accident and Health Insurance-Combined Ratio (%), 2014-2019

Figure 22: French Personal Accident and Health Insurance-Total Assets (EUR Billion), 2010-2014

Figure 23: French Personal Accident and Health Insurance-Total Assets (EUR Billion), 2014-2019

Figure 24: French Personal Accident and Health Insurance-Net Written Premium (% of GWP), 2010-2014

Figure 25: French Personal Accident and Health Insurance-Net Written Premium (% of GWP), 2014-2019

Figure 26: French Personal Accident and Health Insurance-Investment Portfolio (EUR Billion), 2010-2014

Figure 27: French Personal Accident and Health Insurance-Investment Portfolio (% Share), 2010 and 2014

Figure 28: French Personal Accident and Health Insurance Penetration (%), 2010-2014

Figure 29: French Personal Accident and Health Insurance-Direct Premium per Capita (EUR), 2010-2014

Figure 30: French Personal Accident Insurance-Direct Written Premium (EUR Billion), 2010-2014

Figure 31: French Personal Accident Insurance-Direct Written Premium (EUR Billion), 2014-2019

Figure 32: French Personal Accident Insurance-Loss Ratio (%), 2010-2014

Figure 33: French Personal Accident Insurance-Loss Ratio (%), 2014-2019

Figure 34: French Travel Insurance-Direct Written Premium (EUR Billion), 2010-2014

Figure 35: French Travel Insurance-Direct Written Premium (EUR Billion), 2014-2019

Figure 36: French Travel Insurance-Paid Claims (EUR Million), 2010-2014

Figure 37: French Travel Insurance-Paid Claims (EUR Million), 2014-2019

Figure 38: French Travel Insurance-Loss Ratio (%), 2010-2014

Figure 39: French Travel Insurance-Loss Ratio (%), 2014-2019

Figure 40: French Health Insurance-Direct Written Premium (EUR Billion), 2010-2014

Figure 41: French Health Insurance-Direct Written Premium (EUR Billion), 2014-2019

Figure 42: French Health Insurance-Loss Ratio (%), 2010-2014

Figure 43: French Health Insurance-Loss Ratio (%), 2014-2019

Figure 44: French Personal Accident and Health Insurance-Segment Shares (%), 2014

Figure 45: France-The Three Pillars of Solvency II

Figure 46: France-Insurance Supervision and Control at Various Levels

Figure 47: France-Insurance Regulatory Frameworks for Company Registration and Operation

Table 1: French Personal Accident and Health Insurance Segment-Key Facts, 2014

Table 2: Insurance Industry Definitions

Table 3: French Government Credit Ratings

Table 4: French Personal Accident and Health Insurance-Direct Written Premium by Category (EUR Billion), 2010-2014

Table 5: French Personal Accident and Health Insurance-Direct Written Premium by Category (USD Billion), 2010-2014

Table 6: French Personal Accident and Health Insurance-Direct Written Premium by Category (EUR Billion), 2014-2019

Table 7: French Personal Accident and Health Insurance-Direct Written Premium by Category (USD Billion), 2014-2019

Table 8: French Personal Accident and Health Insurance-Net Earned Premium (EUR Billion), 2010-2014

Table 9: French Personal Accident and Health Insurance-Net Earned Premium (EUR Billion), 2014-2019

Table 10: French Personal Accident and Health Insurance-Incurred Loss by Category (EUR Billion), 2010-2014

Table 11: French Personal Accident and Health Insurance-Incurred Loss by Category (USD Billion), 2010-2014

Table 12: French Personal Accident and Health Insurance-Incurred Loss by Category (EUR Billion), 2014-2019

Table 13: French Personal Accident and Health Insurance-Incurred Loss by Category (USD Billion), 2014-2019

Table 14: French Personal Accident and Health Insurance-Loss Ratio (%), 2010-2014

Table 15: French Personal Accident and Health Insurance-Loss Ratio (%), 2014-2019

Table 16: French Personal Accident and Health Insurance-Commission and Expenses (EUR Billion), 2010-2014

Table 17: French Personal Accident and Health Insurance-Commission and Expenses (EUR Billion), 2014-2019

Table 18: French Personal Accident and Health Insurance-Combined Ratio (%), 2010-2014

Table 19: French Personal Accident and Health Insurance-Combined Ratio (%), 2014-2019

Table 20: French Personal Accident and Health Insurance-Total Assets (EUR Billion), 2010-2014

Table 21: French Personal Accident and Health Insurance-Total Assets (EUR Billion), 2014-2019

Table 22: French Personal Accident and Health Insurance-Net Written Premium (% of GWP), 2010-2014

Table 23: French Personal Accident and Health Insurance-Net Written Premium (% of GWP), 2014-2019

Table 24: French Personal Accident Insurance-Direct Written Premium (EUR Billion), 2010-2014

Table 25: French Personal Accident Insurance-Direct Written Premium (EUR Billion), 2014-2019

Table 26: French Personal Accident Insurance-Loss Ratio (%), 2010-2014

Table 27: French Personal Accident Insurance-Loss Ratio (%), 2014-2019

Table 28: French Travel Insurance-Direct Written Premium (EUR Billion), 2010-2014

Table 29: French Travel Insurance-Direct Written Premium (EUR Billion), 2014-2019

Table 30: French Travel Insurance-Paid Claims (EUR Million), 2010-2014

Table 31: French Travel Insurance-Paid Claims (EUR Million), 2014-2019

Table 32: French Travel Insurance-Loss Ratio (%), 2010-2014

Table 33: French Travel Insurance-Loss Ratio (%), 2014-2019

Table 34: French Health Insurance-Direct Written Premium (EUR Billion), 2010-2014

Table 35: French Health Insurance-Direct Written Premium (EUR Billion), 2014-2019

Table 36: French Health Insurance-Loss Ratio (%), 2010-2014

Table 37: French Health Insurance-Loss Ratio (%), 2014-2019

Table 38: French Personal Accident and Health Insurance-Segment Shares (%), 2014

Table 39: AxaFrance Assurance SAS, Key Facts

Table 40: Groupama SA, Key Facts

Table 41: Allianz France SA, Key Facts

Table 42: CNP Assurances SA, Key Facts

Table 43: Generali France SA-Key Facts

Table 44: Credit Mutuel, Key Facts

Table 45: Credit Agricole Assurances, Key Facts

Table 46: France-Insurance Regulatory Framework Key Features

Table 47: France-Life Insurance Regulatory Framework

Table 48: France-Property Insurance Regulatory Framework

Table 49: France-Motor Insurance Regulatory Framework

Table 50: France-Liability Insurance Regulatory Framework

Table 51: France-Minimum Coverage for Aircraft Third-Party Liability Per Accident Per Aircraft

Table 52: France-Insurance Premium Taxation

Table 53: France-Corporate Tax Rates for the Financial Year 2016

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