Personal Accident and Health Insurance in the Netherlands, Key Trends and Opportunities to 2016

The report provides in depth market analysis, information and insights into the Netherlands personal accident and health insurance market, including:

• The Netherlands personal accident and health insurance market’s growth prospects by personal accident and health insurance categories
• The various distribution channels in the Netherlands personal accident and health insurance market
• The competitive landscape in the personal accident and health insurance market
• A description of the personal accident and health reinsurance market in the Netherlands

The personal accident and health insurance segment in the Netherlands is dominated by the health insurance category. Driven by reforms in the health care sector in 2006, rising healthcare expenditure and changing regulation, the sector remained immune from global and euro zone economic shocks. Personal accident and health insurers in the Netherlands are continually seeking to gain market share at the expense of their rivals, a tendency that increased following the 2006 health reforms. The Dutch personal accident and health insurance segment is fragmented, with data from the Dutch Insurers Association indicating that 104 personal accident insurance companies and 116 health insurance companies were operating in the country at the end of 2010. This results in a high intensity of rivalry which, in turn, is putting pressure on prices.

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Scope

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

• It provides historical values for the Netherlands personal accident and health insurance market for the review period (2007–2011) and forecast period (2012–2016)
• It offers a detailed analysis of the key sub-segments in the Netherlands 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 personal accident and health insurance products in the Netherlands
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in the Netherlands for the personal accident and health insurance business
• It provides a detailed analysis of the reinsurance market in the Netherlands and its growth prospects
• It profiles the top personal accident and health insurance companies in the Netherlands, and outlines the key regulations affecting them

Key highlights

• Providing quality healthcare at an affordable price is high on the agenda of the government given rising health related costs. Against this backdrop, the government is accelerating liberalization and change in the healthcare system, specifically in terms of shifting financial risk and responsibility both to insurers and to the insured.
• Following healthcare reform in 2006, everyone in the Netherlands is required to be insured for basic healthcare through a mandatory flat-rate premium and own risk. The main aim of the reform was to create an inclusive system of accessible, affordable and good quality care for everyone based on the solidarity principle.
• Direct marketing was the leading distribution channel for the Dutch personal accident and health insurance segment during the review period. Insurance companies leverage the direct marketing channel in several ways to communicate and deliver products to their customers. This includes using a direct sales force, catalogs, seminars and trade shows.
• The claims ratio of the Dutch personal accident and health insurance segment increased throughout the review period, an increase that was primarily due to a significant growth in health insurance claims following the introduction of compulsory health insurance in 2006.
• Over the forecast period, the emphasis of the Dutch government on providing high-quality healthcare at an affordable price, changing demographics, and an overall increase in healthcare costs are expected to drive the growth of the Dutch personal accident and health insurance segment.
• The Dutch personal accident and health insurance segment is concentrated with the country’s four leading personal accident and health insurance companies, Achmea, UVIT, CZ and Menzis.

Reasons to buy

• Make strategic business decisions using in depth historic and forecast market data related to the Netherlands personal accident and health insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the Netherlands 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 Netherlands insurance market and its impact on companies and the market's future