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

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


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Executive Summary

Timetric's 'Personal Accident and Health Insurance in the Netherlands, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers, challenges in the Dutch 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 retentions 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 the Dutch 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 the Netherlands, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the Dutch personal accident and health insurance segment, including:

The Dutch 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 the Dutch economy and demographics

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

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

Details of regulatory policy applicable to the Dutch insurance industry

Scope

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

It provides historical values for the Dutch 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 Dutch personal accident and health insurance segment, and market forecasts to 2019.

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

Understand the demand-side dynamics, key market trends and growth opportunities in the Dutch 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 Dutch insurance industry, and their impact on companies and the industry's future.

Key Highlights

The Netherlands has one of the highest healthcare expenditures per capita in the world.

Health insurance accounted for 91.5% of the segment's gross written premium value in 2014, followed by the personal accident and travel insurance categories.

Increasing awareness of the benefits of health insurance and changing living standards have increased demand for health insurance products.

The category is expected to be driven by the rising awareness about the health insurance products, increased healthcare expenditure, rising life expectancy and the country's economic growth.

The expected implementation of Solvency II in Europe in January 2016 will lead to domestic insurers reconsidering risk and capital management strategies to comply with the new standards.

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

6.1 Direct Marketing

6.2 Agencies

7 Competitive Landscape and Strategic Insights

7.1 Overview

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

7.2.1 Centrale Zorgverzekeraars Groep, Zorgverzekeraar u.a. OWM - company overview

7.2.2 Zilveren Kruis Achmea Zorgverzekeringen NV - company overview

7.2.3 VGZ Zorgverzekeraar NV - company overview

7.2.4 Menzis Zorgverzekeraar NV - company overview

7.2.5 Agis Zorgverzekeringen NV - company overview

7.2.6 Unive Zorg NV - company overview

7.2.7 IZA Zorgverzekeraar NV - company overview

7.2.8 De Friesland Zorgverzekeraar NV - company overview

7.2.9 Zorg en Zekerheid Zorgverzekeraarua OWM - company overview

7.2.10 IZZ Zorgverzekeraar NV - 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 Marine insurance

8.4.2 Aviation liability insurance

8.4.3 Motor third-party liability insurance

8.4.4 Health insurance

8.4.5 Social insurance system

8.4.6 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 (EIOPA)

8.5.3 The Authority for the Financial Markets (AFM)

8.5.4 Dutch Central Bank (DNB)

8.5.5 Dutch Association of Insurers (Verbond van Verzekeraars)

8.6 Non-Admitted Insurance Regulations

8.6.1 Overview

8.6.2 Intermediaries

8.6.3 Market practices

8.6.4 Fines and penalties

8.7 Company Registration and Operations

8.7.1 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

9 Appendix

9.1 Methodology

9.2 Contact Timetric

9.3 About Timetric

9.4 Timetric's Services

9.5 Disclaimer

Figure 1: Dutch Real GDP (EUR Billion), 2010-2019

Figure 2: EUR-US$ Exchange Rate, 2010-2019

Figure 3: Dutch Consumer Price Inflation, 2010-2019

Figure 4: Dutch Current Account Balance as Percentage of GDP (%), 2010-2019

Figure 5: Dutch Unemployment Rate, 2010-2019

Figure 6: Dutch Population by Age Group (%), 1995-2025

Figure 7: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (EUR Billion), 2010-2019

Figure 8: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2014 and 2019

Figure 9: Dutch Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019

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

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

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

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

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

Figure 15: Dutch Personal Accident and Health Insurance - Paid Claims by Category (EUR Billion), 2010-2019

Figure 16: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (EUR Billion), 2010-2019

Figure 17: Dutch Personal Accident and Health Insurance - Net Written Premium by Category (EUR Billion), 2010-2019

Figure 18: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014

Figure 19: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019

Figure 20: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2010-2014

Figure 21: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2014-2019

Figure 22: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014

Figure 23: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019

Figure 24: Dutch Personal Accident and Health Insurance - Number of Policies per Capita, 2010-2014

Figure 25: Dutch Personal Accident and Health Insurance - Number of Policies per Capita, 2014-2019

Figure 26: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2010-2014

Figure 27: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2014-2019

Figure 28: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Billion), 2010-2014

Figure 29: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Billion), 2014-2019

Figure 30: Dutch Personal Accident and Health Insurance - Net Written Premium as a Percentage of GWP (%), 2010-2014

Figure 31: Dutch Personal Accident and Health Insurance - Net Written Premium as a Percentage of GWP (%), 2014-2019

Figure 32: Dutch Personal Accident and Health Insurance - Investment Portfolio (EUR Billion), 2010-2014

Figure 33: Dutch Personal Accident and Health Insurance - Investment Portfolio (% Share), 2010 and 2014

Figure 34: Dutch Personal Accident and Health Insurance Penetration (Ratio of Direct Premiums to GDP), 2010-2014

Figure 35: Dutch Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2010-2014

Figure 36: Dutch Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2014-2019

Figure 37: Dutch Personal Accident and Health Insurance - Density (Direct Premium per Capita), 2010-2014

Figure 38: Dutch Personal Accident Insurance - Number of Policies Sold (Thousand), 2010-2014

Figure 39: Dutch Personal Accident Insurance - Number of Policies Sold (Thousand), 2014-2019

Figure 40: Dutch Personal Accident Insurance - Direct Written Premium (EUR Billion), 2010-2014

Figure 41: Dutch Personal Accident Insurance - Direct Written Premium (EUR Billion), 2014-2019

Figure 42: Dutch Personal Accident Insurance - Loss Ratio (%), 2010-2014

Figure 43: Dutch Personal Accident Insurance - Loss Ratio (%), 2014-2019

Figure 44: Dutch Travel Insurance - Number of Policies Sold (Thousand), 2010-2014

Figure 45: Dutch Travel Insurance - Number of Policies Sold (Thousand), 2014-2019

Figure 46: Dutch Travel Insurance - Direct Written Premium (EUR Million), 2010-2014

Figure 47: Dutch Travel Insurance - Direct Written Premium (EUR Million), 2014-2019

Figure 48: Dutch Travel Insurance - Loss Ratio (%), 2010-2014

Figure 49: Dutch Travel Insurance - Loss Ratio (%), 2014-2019

Figure 50: Dutch Health Insurance - Gross Written Premium (EUR Billion), 2010-2014

Figure 51: Dutch Health Insurance - Gross Written Premium (EUR Billion), 2014-2019

Figure 52: Dutch Health Insurance - Number of Policies Sold (Thousand), 2010-2014

Figure 53: Dutch Health Insurance - Number of Policies Sold (Thousand), 2014-2019

Figure 54: Dutch Health Insurance - Direct Written Premium (EUR Billion), 2010-2014

Figure 55: Dutch Health Insurance - Direct Written Premium (EUR Billion), 2014-2019

Figure 56: Dutch Health Insurance - Paid Claims (EUR Billion), 2010-2014

Figure 57: Dutch Health Insurance - Paid Claims (EUR Billion), 2014-2019

Figure 58: Dutch Health Insurance - Loss Ratio (%), 2010-2014

Figure 59: Dutch Health Insurance - Loss Ratio (%), 2014-2019

Figure 60: Dutch Health Insurance - Net Written Premium (EUR Billion), 2010-2014

Figure 61: Dutch Health Insurance - Net Written Premium (EUR Billion), 2014-2019

Figure 62: Dutch Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2010-2014

Figure 63: Dutch Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2014-2019

Figure 64: Dutch Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Billion), 2010-2014

Figure 65: Dutch Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Billion), 2014-2019

Figure 66: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Thousand), 2010-2014

Figure 67: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Thousand), 2014-2019

Figure 68: Dutch Personal Accident and Health Insurance - Agencies' Value of Commission (EUR Million), 2010-2014

Figure 69: Dutch Personal Accident and Health Insurance - Agencies' Value of Commission (EUR Million), 2014-2019

Figure 70: Dutch Personal Accident and Health Insurance - Agencies' Direct Written Premium (EUR Billion), 2010-2014

Figure 71: Dutch Personal Accident and Health Insurance - Agencies' Direct Written Premium (EUR Billion), 2014-2019

Figure 72: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Agencies (Thousand), 2010-2014

Figure 73: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Agencies (Thousand), 2014-2019

Figure 74: Dutch Personal Accident and Health Insurance - Segment Shares (%), 2014

Figure 75: The Netherlands - The Three Pillars of Solvency II

Figure 76: The Netherlands - Insurance Supervision and Control at Various Levels

Figure 77: The Netherlands - Insurance Regulatory Frameworks for Company Registration and Operation

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

Table 2: Insurance Industry Definitions

Table 3: Dutch Government Credit Ratings

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

Table 5: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2010-2014

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

Table 7: Dutch Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2014-2019

Table 8: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2010-2014

Table 9: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2010-2014

Table 10: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (EUR Billion), 2014-2019

Table 11: Dutch Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2014-2019

Table 12: Dutch Personal Accident and Health Insurance - Net Earned Premium (EUR Billion), 2010-2014

Table 13: Dutch Personal Accident and Health Insurance - Net Earned Premium (EUR Billion), 2014-2019

Table 14: Dutch Personal Accident and Health Insurance - Paid Claims by Category (EUR Billion), 2010-2014

Table 15: Dutch Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2010-2014

Table 16: Dutch Personal Accident and Health Insurance - Paid Claims by Category (EUR Billion), 2014-2019

Table 17: Dutch Personal Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2014-2019

Table 18: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (EUR Billion), 2010-2014

Table 19: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2010-2014

Table 20: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (EUR Billion), 2014-2019

Table 21: Dutch Personal Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2014-2019

Table 22: Dutch Personal Accident and Health Insurance - Net Written Premium by Category (EUR Billion), 2010-2014

Table 23: Dutch Personal Accident and Health Insurance - Net Written Premium by Category (US$ Billion), 2010-2014

Table 24: Dutch Personal Accident and Health Insurance - Net Written Premium by Category (EUR Billion), 2014-2019

Table 25: Dutch Personal Accident and Health Insurance - Net Written Premium by Category (US$ Billion), 2014-2019

Table 26: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014

Table 27: Dutch Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019

Table 28: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2010-2014

Table 29: Dutch Personal Accident and Health Insurance - Commission and Expenses (EUR Billion), 2014-2019

Table 30: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014

Table 31: Dutch Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019

Table 32: Dutch Personal Accident and Health Insurance - Number of Policies per Capita, 2010-2014

Table 33: Dutch Personal Accident and Health Insurance - Number of Policies per Capita, 2014-2019

Table 34: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2010-2014

Table 35: Dutch Personal Accident and Health Insurance - Total Assets (EUR Billion), 2014-2019

Table 36: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Billion), 2010-2014

Table 37: Dutch Personal Accident and Health Insurance - Total Investment Income (EUR Billion), 2014-2019

Table 38: Dutch Personal Accident and Health Insurance - Net Written Premium as a Percentage of GWP (%), 2010-2014

Table 39: Dutch Personal Accident and Health Insurance - Net Written Premium as a Percentage of GWP (%), 2014-2019

Table 40: Dutch Personal Accident Insurance - Number of Policies Sold (Million), 2010-2014

Table 41: Dutch Personal Accident Insurance - Number of Policies Sold (Million), 2014-2019

Table 42: Dutch Personal Accident Insurance - Direct Written Premium (EUR Billion), 2010-2014

Table 43: Dutch Personal Accident Insurance - Direct Written Premium (EUR Billion), 2014-2019

Table 44: Dutch Personal Accident Insurance - Loss Ratio (%), 2010-2014

Table 45: Dutch Personal Accident Insurance - Loss Ratio (%), 2014-2019

Table 46: Dutch Travel Insurance - Number of Policies Sold (Million), 2010-2014

Table 47: Dutch Travel Insurance - Number of Policies Sold (Million), 2014-2019

Table 48: Dutch Travel Insurance - Direct Written Premium (EUR Million), 2010-2014

Table 49: Dutch Travel Insurance - Direct Written Premium (EUR Million), 2014-2019

Table 50: Dutch Travel Insurance - Loss Ratio (%), 2010-2014

Table 51: Dutch Travel Insurance - Loss Ratio (%), 2014-2019

Table 52: Dutch Health Insurance - Gross Written Premium (EUR Billion), 2010-2014

Table 53: Dutch Health Insurance - Gross Written Premium (EUR Billion), 2014-2019

Table 54: Dutch Health Insurance - Number of Policies Sold (Million), 2010-2014

Table 55: Dutch Health Insurance - Number of Policies Sold (Million), 2014-2019

Table 56: Dutch Health Insurance - Direct Written Premium (EUR Billion), 2010-2014

Table 57: Dutch Health Insurance - Direct Written Premium (EUR Billion), 2014-2019

Table 58: Dutch Health Insurance - Paid Claims (EUR Billion), 2010-2014

Table 59: Dutch Health Insurance - Paid Claims (EUR Billion), 2014-2019

Table 60: Dutch Health Insurance - Loss Ratio (%), 2010-2014

Table 61: Dutch Health Insurance - Loss Ratio (%), 2014-2019

Table 62: Dutch Health Insurance - Net Written Premium (EUR Billion), 2010-2014

Table 63: Dutch Health Insurance - Net Written Premium (EUR Billion), 2014-2019

Table 64: Dutch Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2010-2014

Table 65: Dutch Personal Accident and Health Insurance - Direct Marketing Value of Commission (EUR Million), 2014-2019

Table 66: Dutch Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Billion), 2010-2014

Table 67: Dutch Personal Accident and Health Insurance - Direct Marketing Direct Written Premium (EUR Billion), 2014-2019

Table 68: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Million), 2010-2014

Table 69: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Direct Marketing (Million), 2014-2019

Table 70: Dutch Personal Accident and Health Insurance - Agencies' Value of Commission (EUR Million), 2010-2014

Table 71: Dutch Personal Accident and Health Insurance - Agencies' Value of Commission (EUR Million), 2014-2019

Table 72: Dutch Personal Accident and Health Insurance - Agencies' Direct Written Premium (EUR Billion), 2010-2014

Table 73: Dutch Personal Accident and Health Insurance - Agencies' Direct Written Premium (EUR Billion), 2014-2019

Table 74: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Agencies (Million), 2010-2014

Table 75: Dutch Personal Accident and Health Insurance - Number of Policies Sold Through Agencies (Million), 2014-2019

Table 76: Dutch Personal Accident and Health Insurance - Segment Shares (%), 2013

Table77: Centrale Zorgverzekeraars Groep, Zorgverzekeraaru.a. OWM - Key Facts

Table 78: Centrale Zorgverzekeraars Groep, Zorgverzekeraaru.a. OWM - Key Financials (EUR Million), 2009-2013

Table 79: Zilveren Kruis Achmea Zorgverzekeringen NV - Key Facts

Table80: Zilveren Kruis Achmea Zorgverzekeringen NV - Key Financials (EUR Million), 2009-2013

Table 81: VGZ Zorgverzekeraar NV - Key Facts

Table 82: VGZ Zorgverzekeraar NV - Key Financials (EUR Million), 2009-2013

Table 83: Menzis Zorgverzekeraar NV - Key Facts

Table 84: Menzis Zorgverzekeraar NV - Key Financials (EUR Million), 2009-2013

Table 85: Agis Zorgverzekeringen NV - Key Facts

Table86: Agis Zorgverzekeringen NV - Key Financials (EUR Million), 2009-2013

Table87: Univ Zorg NV - Key Facts

Table88: Univ Zorg NV - Key Financials (EUR Million), 2009-2013

Table 89: IZA Zorgverzekeraar NV - Key Facts

Table90: IZA Zorgverzekeraar NV - Key Financials (EUR Million), 2009-2013

Table91: De Friesland Zorgverzekeraar NV - Key Facts

Table 92: Zorg en Zekerheid Zorgverzekeraarua OWM - Key Facts

Table 93: IZZ Zorgverzekeraar NV - Key Facts

Table 94: The Netherlands - Insurance Regulatory Framework Key Features

Table 95: The Netherlands - Life Insurance Regulatory Framework

Table 96: The Netherlands - Property Insurance Regulatory Framework

Table 97: The Netherlands - Motor Insurance Regulatory Framework

Table 98: The Netherlands - Liability Insurance Regulatory Framework

Table 99: The Netherlands - Minimum Coverage for Aircraft Third-Party Liability per Accident per Aircraft

Table 100: The Netherlands - Corporate Tax Rate for the Financial Year 2015

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Centrale Zorgverzekeraars Groep, Zorgverzekeraar u.a. OWM

Zilveren Kruis Achmea Zorgverzekeringen NV

VGZ Zorgverzekeraar NV

Menzis Zorgverzekeraar NV

Agis Zorgverzekeringen NV

UniveZorg NV

IZA Zorgverzekeraar NV

De Friesland Zorgverzekeraar NV

Zorg en Zekerheid Zorgverzekeraarua OWM

IZZ Zorgverzekeraar NV

Personal accident and health insurance

Personal accident insurance

Travel insurance

Health insurance

Non-life health insurance

Life health insurance

Economy and Demographic

Distribution channels

Direct Marketing

Agencies

E-commerce

Bancassurance

Brokers

Leading companies

Legislation

Compulsory insurance

Supervision and control

Non-admitted insurance

Types of insurance organization


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