The Romanian personal accident and health insurance segment is small in terms of the total Romanian insurance industry’s gross written premium in 2012. Negative automotive output, global financial troubles and sovereign debt crises in the EU had an impact on the overall growth of the segment. Despite these limiting factors, the segment demonstrated significant growth during the review period. Innovative product strategies by insurers, rising healthcare expenditure and a favorable regulatory framework contributed to this growth.

1. Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Romanian personal accident
and health insurance segment, including:
The Romanian personal accident and health insurance market’s growth prospects by insurance
categories Key trends and drivers for the personal accident and health insurance segment The various
distribution channels in the Romanian personal accident and health insurance segment Detailed competitive
landscape in the personal accident and health insurance segment in Romania A description of the personal
accident and health reinsurance segment in Romania Porter's Five Forces Analysis of the personal accident
and health insurance segment
Executive summary
The Romanian personal accident and health insurance segment is small in terms of the total Romanian
insurance industry’s gross written premium in 2012. Negative automotive output, global financial
troubles and sovereign debt crises in the EU had an impact on the overall growth of the segment. Despite these
limiting factors, the segment demonstrated significant growth during the review period. Innovative product
strategies by insurers, rising healthcare expenditure and a favorable regulatory framework contributed to this
growth.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance market in
Romania:
It provides historical values for Romania's personal accident and health insurance market for the
report’s 2008–2012 review period and forecast figures for the 2012–2017 forecast period
It offers a detailed analysis of the key sub-segments in Romania's personal accident and health insurance
market, 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 Romania Using Porter’s industry-standard “Five Forces”
analysis, it details the competitive landscape in Romania for the personal accident and health insurance
business It provides a detailed analysis of the reinsurance market in Romania and its growth prospects It
profiles the top personal accident and health insurance companies in Romania and outlines the key regulations
affecting them
Reasons to buy
Make strategic business decisions using historic and forecast market data related to the Romanian personal
accident and health insurance market and each sector within it Understand the demand-side dynamics, key
market trends and growth opportunities within the Romanian personal accident and health insurance market
Assess the competitive dynamics in the personal accident and health insurance market, along with the
reinsurance segment Identify the growth opportunities and market dynamics within key product categories
Gain insights into key regulations governing the Romanian insurance market and its impact on companies and
the market's future
Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017

2. Key highlights
The Romanian personal accident and health insurance segment is small, accounting for just 2.3% of the total
Romanian insurance industry’s gross written premium in 2012. Favorable demographic factors such as
increased life expectancy and a growing urban population are expected to improve consumer confidence in,
and accelerate demand for, health and travel insurance products over the forecast period. The Romanian
government introduced the health insurance card in January 2013, which all Romanians aged over 18 years are
expected to maintain. The implementation of Solvency II is likely to have little impact in Romania, as the
industry consists primarily of smaller insurance providers which are expected to take quick measures to
comply with its requirements. Consumer awareness plays a critical role in the development of the insurance
industry and has been a key focus of the National Association of the Insurance and Reinsurance Companies
(UNSAR).
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Romanian Insurance Industry Attractiveness
3.1 Insurance Industry Market Size, 2008–2017
3.2 Key Industry Trends And Drivers
3.2.1 Business Drivers
3.2.2 Product And Targeting Strategies
4 Personal Accident And Health Insurance Outlook
4.1 Personal Accident And Health Insurance Growth Prospects
4.1.1 Personal Accident
4.1.2 Travel Insurance
4.1.3 Health Insurance
4.1.4 Non-life Health Insurance
4.1.5 Life Health Insurance
5 Analysis By Distribution Channels
5.1 Direct Marketing
5.2 Bancassurance
Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017

3. 5.3 Agencies
5.4 E-commerce
5.5 Brokers
5.6 Other Channels
6 Governance, Risk And Compliance
6.1 Legislation Overview And Historical Evolution
6.2 Legislation Trends By Type Of Insurance
6.2.1 Life Insurance Regulatory Trends
6.2.2 Property Insurance Regulatory Trends
6.2.3 Motor Insurance Regulatory Trends
6.2.4 Liability Insurance Regulatory Trends
6.2.5 Marine, Aviation And Transit Insurance Regulatory Trends
6.2.6 Health Insurance Regulatory Trends
6.3 Compulsory Insurance
6.3.1 Compulsory Motor Third-party Liability Insurance
6.3.2 Compulsory Insurance Of Dwellings Against Earthquakes, Landslides And Flooding
6.4 Supervision And Control
6.4.1 International Association Of Insurance Supervisors
6.4.2 European Insurance And Occupational Pensions Authority
6.4.3 Insurance Supervisory Commission
6.5 Non-admitted Insurance Regulatory Trends
6.5.1 Overview
6.5.2 Intermediaries
6.5.3 Market Practices
6.5.4 Fines And Penalties
6.6 Company Registration And Operations
6.6.1 Types Of Insurance Organization
6.6.2 Establishing A Local Company
6.6.3 Foreign Ownership
6.6.4 Types Of License
6.6.5 Capital Requirements
6.6.6 Solvency Margins
6.6.7 Reserve Requirements
6.6.8 Investment Regulations
6.6.9 Statutory Return Requirements
6.7 Taxation
6.7.1 Insurance Premium Or Policy Taxation
6.7.2 Corporate Tax
6.7.3 Vat
6.7.4 Captives
6.8 Legal System
Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017

4. 6.8.1 Introduction
6.8.2 Access To Court
6.8.3 Alternative Dispute Resolution (adr)
7 Porter’s Five Forces Analysis – Romanian Personal Accident And Health Insurance
7.1 Bargaining Power Of Supplier: Low To Medium
7.2 Bargaining Power Of Buyer: Medium
7.3 Barriers To Entry: Low To Medium
7.4 Intensity Of Rivalry: Low
7.5 Threat Of Substitutes: Medium
8 Reinsurance Growth Dynamics And Challenges
8.1 Reinsurance Segment Size, 2008–2017
8.2 Reinsurance Segment Size By Type Of Insurance, 2008–2012
9 Competitive Landscape And Strategic Insight
9.1 Overview
9.2 Leading Companies In The Romanian Personal Accident And Health Insurance Segment
9.3 Bcr Asigurări De Viaţă – Company Overview
9.3.1 Bcr Asigurări De Viaţă – Key Facts
9.4 Eureko Romania – Company Overview
9.4.1 Eureko Romania – Key Facts
9.4.2 Eureko Romania – Key Financials
9.5 Allianz-Å¢iriac Asigurări S.a. – Company Overview
9.5.1 Allianz-Å¢iriac Asigurări S.a. – Key Facts
9.5.2 Allianz-Å¢iriac Asigurări S.a. – Key Financials
9.6 Omniasig Vig S.a – Company Overview
9.6.1 Omniasig Vig S.a – Key Facts
9.6.2 Omniasig Vig S.a – Key Financials
9.7 Axa Asigurări – Company Overview
9.7.1 Axa Asigurări – Key Facts
9.7.2 Axa Asigurări – Key Financials
9.8 Uniqa Asigurări S.a. – Company Overview
9.8.1 Uniqa Asigurări S.a. – Key Facts
9.8.2 Uniqa Asigurări S.a. – Key Financials
9.9 Astra Asigurări – Company Overview
9.9.1 Astra Asigurări – Key Facts
9.9.2 Astra Asigurări – Key Financials
9.1 Asirom Vienna Insurance Group S.a. – Company Overview
9.10.1 Asirom Vienna Insurance Group S.a. – Key Facts
Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017

5. 9.10.2 Asirom Vienna Insurance Group S.a. – Key Financials
9.11 Guarantee Insurance S.a. – Company Overview
9.11.1 Guarantee Insurance S.a. – Key Facts
9.11.2 Guarantee Insurance S.a. – Key Financials
10 Business Environment And Country Risk
10.1 Business Confidence
10.1.1 Market Capitalization Trend – Bucharest Stock Exchange, Romania
10.2 Economic Performance
10.2.1 Gdp At Constant Prices (us$)
10.2.2 Gdp Per Capita At Constant Prices (us$)
10.2.3 Gdp At Current Prices (us$)
10.2.4 Gdp Per Capita At Current Prices (us$)
10.2.5 Gdp By Key Segments
10.2.6 Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices (ron)
10.2.7 Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices (us$)
10.2.8 Agriculture, Hunting, Forestry, Fishing Net Output At Current Prices As A Percentage Of Gdp
10.2.9 Manufacturing Net Output At Current Prices (ron)
10.2.10 Manufacturing Net Output At Current Prices (us$)
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 (ron)
10.2.13 Mining, Manufacturing And Utilities At Current Prices (us$)
10.2.14 Mining, Manufacturing And Utilities At Current Prices As A Percentage Of Gdp
10.2.15 Construction Net Output At Current Prices (ron)
10.2.16 Construction Net Output At Current Prices (us$)
10.2.17 Construction Net Output At Current Prices As A Percentage Of Gdp
10.2.18 Inflation Rate
10.2.19 Exports As A Percentage Of Gdp
10.2.20 Imports As A Percentage Of Gdp
10.2.21 Exports Growth
10.2.22 Imports Growth
10.2.23 Annual Average Exchange Rate (ron–us$)
10.3 Infrastructure
10.3.1 Commercial Vehicles Exports Total Value
10.3.2 Commercial Vehicles Imports Total Value
10.3.3 Automotive Exports Total Value
10.3.4 Automotive Imports Total Value
10.3.5 Total Internet Subscribers
10.4 Labor Force
10.4.1 Labor Force
10.4.2 Unemployment Rate
10.5 Demographics
Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017

6. 10.5.1 Gross National Disposable Income (us$)
10.5.2 Total Population
10.5.3 Urban And Rural Populations
10.5.4 Median Age Of The Population
10.5.5 Age Distribution Of The Total Population
11 Appendix
11.1 Methodology
11.2 Contact Us
11.3 About Timetric
11.4 Disclaimer
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Personal Accident and Health Insurance in Romania, Key Trends and Opportunities to 2017