Personal Accident and Health Insurance Industry in Portugal @ http://www.researchmoz.us/personal-accident-and-health-insurance-in-portugal-key-trends-and-opportunities-to-2017-report.html The Portuguese healthcare system is well developed and is characterized by a mix of public and private systems. The written premium of the Portuguese personal accident and health insurance segment declined from EUR1.4 billion (US$2.0 billion) in 2008 to EUR1.2 billion (US$1.5 billion) in 2012, at a compound annual growth rate (CAGR) of -3.4% during the review period (2008–2012).

1. Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Portuguese personal accident
and health insurance segment, including:
The Portuguese 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 Portuguese personal accident and health insurance segment Detailed competitive
landscape in the personal accident and health insurance segment in Portugal Detailed regulatory framework of
the Portuguese insurance industry A description of the personal accident and health reinsurance segment in
Portugal Porter's Five Forces Analysis of the personal accident and health insurance segment Benchmarking
section on the Portuguese personal accident and health insurance segment in comparison to other countries
with gross written premium in the range of US$10 billion to US$40 billion
Executive summary
The Portuguese healthcare system is well developed and is characterized by a mix of public and private
systems. The written premium of the Portuguese personal accident and health insurance segment declined
from EUR1.4 billion (US$2.0 billion) in 2008 to EUR1.2 billion (US$1.5 billion) in 2012, at a compound
annual growth rate (CAGR) of -3.4% during the review period (2008–2012). The troubled state of the
economy, rising unemployment and a decline in disposable income has led to a decline in demand for personal
accident and health insurance products. Over the forecast period (2012–2017), declining government
health spending, rising healthcare costs and an aging population will act as catalysts for the growth of the
personal accident and health segment.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in
Portugal:
It provides historical values for the Portuguese personal accident and health insurance segment 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 the Portuguese 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 Portugal Using Porter’s industry-standard “Five Forces”
analysis, it details the competitive landscape in Portugal for the personal accident and health insurance
segment It provides a detailed analysis of the reinsurance segment in Portugal and its growth prospects It
profiles the top personal accident and health insurance companies in Portugal 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 Portuguese
personal accident and health insurance segment and each category within it Understand the demand-side
dynamics, key market trends and growth opportunities within the Portuguese personal accident and health
Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017

2. 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 Portuguese insurance segment and its impact on
companies and the market's future
Key highlights
According to the Portuguese Health Regulatory Authority, around 30% of total healthcare expenditure is
from the private sector, and mainly consists of out-of-pocket payments such as co-payments and direct
payments by the patient The ongoing government austerity measures and decline in disposable income have
led to a decline in demand for personal accident and health insurance products The segment registered a
review-period CAGR of -3.4%, with gross written premiums declining from EUR1.4 billion (US$2.0 billion)
in 2008 to EUR1.2 billion (US$1.5 billion) in 2012 Agencies recorded the largest share of total commission
with 61.0% at the end of 2012 The Portuguese personal accident and health insurance segment is highly
concentrated, with the 10-leading companies accounting for 83.9% of the total segment’s written
premiums in 2012.
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Regional Market Dynamics
3.1 Overview
3.1.1 Market Trends
3.1.2 Market Size
4 Personal Accident And Health Insurance
4.1 Scale And Penetration
4.1.1 Total Market Gross Written Premium
4.1.2 Premium Per Capita
4.1.3 Personal Accident And Health Insurance Penetration
4.2 Growth
4.2.1 Gross Written Premium
4.2.2 Gross Written Premium Per Capita
4.3 Efficiency And Risk
4.3.1 Loss Ratio
Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017

3. 4.3.2 Combined Ratio
4.3.3 Incurred Losses Per Capita
4.3.4 Incurred Losses As A Percentage Of Gdp
4.4 Distribution Channels
4.4.1 Direct Marketing
4.4.2 Brokers
4.4.3 Bancassurance
4.4.4 Agencies
5 Portuguese 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 Non-life Health Insurance
7 Analysis By Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 Brokers
7.5 Other Channels
8 Porter’s Five Forces Analysis – Portuguese Personal Accident And Health Insurance
8.1 Bargaining Power Of Supplier: Low To Medium
8.2 Bargaining Power Of Buyer: Medium
8.3 Barriers To Entry: Low To Medium
8.4 Intensity Of Rivalry: Medium
8.5 Threat Of Substitutes: Medium
9 Reinsurance Growth Dynamics And Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017

4. 10 Governance, Risk And Compliance
10.1 Legislation Overview And Historical Evolution
10.2 Legislation And Market Practice By Type Of Insurance
10.2.1 Life Insurance
10.2.2 Property Insurance
10.2.3 Motor Insurance
10.2.4 Marine, Aviation And Transit Insurance
10.2.5 Personal Accident And Health Insurance
10.3 Compulsory Insurance
10.3.1 Motor Vehicle Third-party Liability Insurance
10.3.2 Air Carriers And Aircraft Operators Insurance
10.4 Supervision And Control
10.4.1 International Regulatory Authority
10.4.2 European Insurance And Occupational Pensions Authority
10.4.3 Portugal Insurance Institute
10.4.4 Portuguese Association Of Insurers
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
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 Taxes On 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)
Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017

5. 11 Competitive Landscape And Strategic Insights
11.1 Overview
11.2 Leading Companies’ Personal Accident And Health Insurance Segment In Portugal
11.3 Companhia De Seguros Fidelidade Mundial Sa – Company Overview
11.3.1 Companhia De Seguros Fidelidade Mundial Sa – Key Facts
11.4 Ocidental Companhia Portuguesa De Seguros, Sa – Company Overview
11.4.1 Ocidental Companhia Portuguesa De Seguros, Sa – Key Facts
11.5 Companhia De Seguros Allianz Portugal Sa – Company Overview
11.5.1 Companhia De Seguros Allianz Portugal Sa – Key Facts
11.6 Companhia De Seguros Tranquilidade, Sa – Company Overview
11.6.1 Companhia De Seguros Tranquilidade Sa – Key Facts
11.7 Companhia De Seguros Açoreana, Sa – Company Overview
11.7.1 Companhia De Seguros Açoreana, Sa – Key Facts
11.8 Axa Portugal Companhia De Seguros, Sa – Company Overview
11.8.1 Axa Portugal Companhia De Seguros, Sa – Key Facts
11.9 Lusitania, Companhia De Seguros Sa – Company Overview
11.9.1 Lusitania, Companhia De Seguros Sa – Key Facts
11.10 Zurich Insurance Plc – Sucursal Em Portugal – Company Overview
11.10.1 Zurich Insurance Plc – Sucursal Em Portugal – Key Facts
11.11 Generali Companhia De Seguros, Spa – Company Overview
11.11.1 Generali Companhia De Seguros Spa – Key Facts
11.12 Victoria Seguros De Vida, Sa – Company Overview
11.12.1 Victoria Seguros De Vida, Sa – Key Facts
12 Business Environment And Country Risk
12.1 Business Confidence
12.1.1 Market Capitalization Trend – Lisbon Stock Exchange, Portugal
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 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$)
12.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices As A Percentage Of Gdp
12.2.7 Manufacturing Net Output At Current Prices (us$)
12.2.8 Manufacturing Net Output At Current Prices As A Percentage Of Gdp
12.2.9 Mining, Manufacturing And Utilities At Current Prices (us$)
12.2.10 Mining, Manufacturing And Utilities At Current Prices, As A Percentage Of Gdp
12.2.11 Construction Net Output At Current Prices, (us$)
12.2.12 Construction Net Output At Current Prices As A Percentage Of Gdp
12.2.13 Inflation Rate
12.2.14 Merchandise Exports As A Percentage Of Gdp
Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017

6. 12.2.15 Goods Imports As A Percentage Of Gdp
12.2.16 Exports Growth
12.2.17 Imports Growth
12.2.18 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 Populations
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 Portugal, Key Trends and Opportunities to 2017

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Personal Accident and Health Insurance in Portugal, Key Trends and Opportunities to 2017