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TMCNet:  Personal Accident and Health Insurance in Russia, Key Trends and Opportunities to 2017

[December 04, 2013]

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

(PR Web Via Acquire Media NewsEdge) London (PRWEB) December 04, 2013 Synopsis The report provides in depth market analysis, information and insights into the Russian personal accident and health insurance segment, including: -The Russian 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 Russian personal accident and health insurance segment -Detailed competitive landscape in the personal accident and health insurance segment in Russia -A description of the personal accident and health reinsurance segment in Russia -Porter's Five Forces Analysis of the personal accident and health insurance segment -Benchmarking section on the Russian personal accident and health insurance segment in comparison to other CEE countries Summary Personal accident and health insurance was the largest segment in the Russian insurance industry in terms of gross written premium in 2012. The segment accounted for 59.6% of the total insurance industry value and increased at a CAGR of 14.4% during the review period. Mandatory health insurance products recorded consistent levels of demand, while significant growth was registered in the demand for personal accident and VMI products.


Scope This report provides a comprehensive analysis of the personal accident and health insurance segment in Russia: -It provides historical values for Russia's 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 Russia's 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 Russia -Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Russia for the personal accident and health insurance segment -It provides a detailed analysis of the reinsurance segment in Russia and its growth prospects -It profiles the top personal accident and health insurance companies in Russia and outlines the key regulations affecting them Reasons To Buy -Make strategic business decisions using historic and forecast market data related to the Russian personal accident and health insurance segment and each category within it -Understand the demand-side dynamics, key market trends and growth opportunities within the Russian personal accident and health 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 Russian insurance segment and its impact on companies and the market's future Key Highlights -The Russian personal accident and health insurance segment accounted for 59.6% of the total insurance industry’s gross written premium in 2012 -Favorable demographic factors such as changing lifestyle patterns and an increased understanding of diseases in Russia led to a rise in expenditure on personal accident and healthcare products -The Russian government has introduced regulations making life and health insurance mandatory for any patient involved in a clinical trial, to protect against any harm caused -To protect public health, the Russian Health Ministry drew up a draft law on compulsory insurance against medical errors or malpractice -The Russian Finance Ministry has put forward a proposal to fix the minimum amount of insurance cover at RUB1 million (US$32,300) for all citizens traveling abroad. This is likely to add to the growth of travel insurance 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 (as a percentage of GDP) 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 4.3.2 Incurred losses per capita 4.3.3 Incurred losses as a percentage of GDP 4.4 Distribution Channels 4.4.1 Direct marketing 4.4.2 Bancassurance 4.4.3 Agencies 5 Russian Insurance Industry Attractiveness 5.1 Insurance Industry Size, 2008–2017 5.2 Key Industry Trends and Drivers 5.2.1 Business drivers 5.2.2 Consumer drivers 6 Personal Accident and Health Insurance Outlook 6.1 Personal Accident and Health Insurance Growth Prospects by Category 6.1.1 Personal accident 6.1.2 Travel insurance 6.1.3 Health insurance 7 Analysis by Distribution Channels 7.1 Direct Marketing 7.2 Bancassurance 7.3 Agencies 7.4 E-Commerce 7.5 Brokers 7.6 Other Channels 8 Porter’s Five Forces Analysis – the Russian Personal Accident and Health Insurance Segment 8.1 Bargaining Power of Suppliers: Medium 8.2 Bargaining Power of Buyers: Medium to High 8.3 Barriers to Entry: Low to Medium 8.4 Intensity of Rivalry: Medium to High 8.5 Threat of Substitutes: Low 9 Reinsurance Growth Dynamics and Challenges 9.1 Reinsurance Segment Size, 2008–2017 9.2 Reinsurance Segment Size by Type of Insurance, 2008–2017 10 Governance, Risk and Compliance 10.1 Legislation Overview and Historical Evolution 10.2 Legislation Trends by Type of Insurance 10.2.1 Life insurance regulatory trends 10.2.2 Property insurance regulatory trends 10.2.3 Liability insurance regulatory trends 10.2.4 Motor insurance regulatory trends 10.2.5 Marine and aviation insurance regulatory trends 10.2.6 Health insurance regulatory trends 10.3 Compulsory Insurance 10.3.1 Compulsory liability insurance of a carrier to the passenger of the aircraft 10.3.2 Compulsory motor liability insurance (OSAGO) 10.3.3 Compulsory third-party liability insurance for hazardous activities 10.4 Supervision and Control 10.4.1 International Association of Insurance Supervisors 10.4.2 Federal Insurance Supervision Agency (FISA) 10.4.3 All-Russian Insurance Association (ARIA) 10.4.4 Russian Association of Motor Insurers (RAMI) 10.5 Non-Admitted Insurance Regulatory Trends 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 Type of Insurance Organizations 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 Policy Terms and Conditions 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 11 Competitive Landscape and Strategic Insights 11.1 Overview 11.2 Leading Companies in the Russia Personal Accident and Health Insurance Segment 11.3 ROSNO-MS – Company Overview 11.3.1 ROSNO-MS – key facts 11.4 SOGAZ-Med– Company Overview 11.4.1 SOGAZ-Med– key facts 11.5 Rosgosstrakh-Medicine – Company Overview 11.5.1 Rosgosstrakh-Medicine – key facts 11.6 RESO-Med– Company Overview 11.6.1 RESO-Med– key facts 12 Business Environment and Country Risk 12.1 Business Confidence 12.1.1 Market capitalization trend – Moscow Exchange, Russia 12.2 Economic Performance 12.2.1 GDP at constant prices (US$) 12.2.2 GDP per capita PPP (US dollars) 12.2.3 GDP at current prices (US dollars) 12.2.4 GDP per capita at current prices (US dollars) 12.2.5 GDP by key sectors 12.2.6 Agriculture net output at current prices (RUB) 12.2.7 Agriculture net output at current prices (US$) 12.2.8 Agriculture net output at current prices as a percentage of GDP 12.2.9 Manufacturing net output at current prices (RUB) 12.2.10 Manufacturing net output at current prices (US$ Billion) 12.2.11 Manufacturing net output at current prices as a percentage of GDP 12.2.12 Mining, manufacturing and utilities net output at current prices (RUB) 12.2.13 Mining, manufacturing and utilities at current prices (US$) 12.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP 12.2.15 Construction net output at current prices (RUB) 12.2.16 Construction net output at current prices, (US$) 12.2.17 Construction net output at current prices as a percentage of GDP 12.2.18 Inflation rate 12.2.19 Exports as a percentage of GDP 12.2.20 Imports as a percentage of GDP 12.2.21 Exports growth 12.2.22 Imports growth 12.2.23 Annual average exchange rate US$-RUB 12.3 Infrastructure Quality and Availability 12.3.1 Commercial vehicles exports, total value 12.3.2 Commercial vehicles imports total value 12.3.3 Automotive exports total value 12.3.4 Automotive imports total value 12.3.5 Total internet subscribers 12.4 Labor Force 12.4.1 Labor force 12.4.2 Unemployment rate 12.5 Demographics 12.5.1 Gross national disposable income (US$) 12.5.2 Total population 12.5.3 Urban and rural populations 12.5.4 Median age of population 12.5.5 Age distribution of the total population 13 Appendix 13.1 Methodology 13.2 Contact Us 13.3 About Timetric 13.4 Disclaimer 13.5 230 List of Tables Table 1: Insurance Industry Definitions Table 2: Russian Insurance – Overall Written Premium by Segment (RON Billion), 2008–2012 Table 3: Russian Insurance – Overall Written Premium by Segment (US$ Billion), 2008–2012 Table 4: Russian Insurance – Overall Written Premium by Segment (RON Billion), 2012–2017 Table 5: Russian Insurance – Overall Written Premium by Segment (US$ Billion), 2012–2017 Table 6: Russian Insurance – Segmentation (% Share), 2008–2017 Table 7: Russian Personal Accident and Health Insurance – Written Premium by Category (RON Million), 2008–2012 Table 8: Russian Personal Accident and Health Insurance – Written Premium by Category (US$ Million), 2008–2012 Table 9: Russian Personal Accident and Health Insurance – Written Premium by Category (RON Million), 2012–2017 Table 10: Russian Personal Accident and Health Insurance – Written Premium by Category (US$ Million), 2012–2017 Table 11: Russian Personal Accident and Health Insurance – Earned Premium (RON Million), 2008–2012 Table 12: Russian Personal Accident and Health Insurance – Earned Premium (RON Million), 2012–2017 Table 13: Russian Personal Accident and Health Insurance – Paid Claims by Category (RON Million), 2008–2012 Table 14: Russian Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2008–2012 Table 15: Russian Personal Accident and Health Insurance – Paid Claims by Category (RON Million), 2012–2017 Table 16: Russian Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2012–2017 Table 17: Russian Personal Accident and Health Insurance – Incurred Loss by Category (RON Million), 2008–2012 Table 18: Russian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2008–2012 Table 19: Russian Personal Accident and Health Insurance – Incurred Loss by Category (RON Million), 2012–2017 Table 20: Russian Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2012–2017 Table 21: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012 Table 22: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017 Table 23: Russian Personal Accident and Health Insurance – Commission and Expenses (RON Million), 2008–2012 Table 24: Russian Personal Accident and Health Insurance – Commission and Expenses (RON Million), 2012–2017 Table 25: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012 Table 26: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017 Table 27: Russian Personal Accident and Health Insurance – Frauds and Crimes (RON Million), 2008–2012 Table 28: Russian Personal Accident and Health Insurance – Frauds and Crimes (RON Million), 2012–2017 Table 29: Russian Personal Accident and Health Insurance – Total Assets (RON Million), 2008–2012 Table 30: Russian Personal Accident and Health Insurance – Total Assets (RON Million), 2012–2017 Table 31: Russian Personal Accident and Health Insurance – Total Investment Income (RON Million), 2008–2012 Table 32: Russian Personal Accident and Health Insurance – Total Investment Income (RON Million), 2012–2017 Table 33: Russian Personal Accident and Health Insurance – Retentions (RON Million), 2008–2012 Table 34: Russian Personal Accident and Health Insurance – Retentions (RON Million), 2012–2017 Table 35: Russian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012 Table 36: Russian Personal Accident Insurance – Number of Policies Sold (Thousand), 2012–2017 Table 37: Russian Personal Accident Insurance – Written Premium (RON Million), 2008–2012 Table 38: Russian Personal Accident Insurance – Written Premium (RON Million), 2012–2017 Table 39: Russian Personal Accident Insurance – Loss Ratio (%), 2008–2012 Table 40: Russian Personal Accident Insurance – Loss Ratio (%), 2012–2017 Table 41: Russian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012 Table 42: Russian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017 Table 43: Russian Travel Insurance – Written Premium (RON Million), 2008–2012 Table 44: Russian Travel Insurance – Written Premium (RON Million), 2012–2017 Table 45: Russian Travel Insurance – Loss Ratio (%), 2008–2012 Table 46: Russian Travel Insurance – Loss Ratio (%), 2012–2017 Table 47: Russian Health Insurance – Written Premium by Sub-Category (RON Million), 2008–2012 Table 48: Russian Health Insurance – Written Premium by Sub-Category (US$ Million), 2008–2012 Table 49: Russian Health Insurance – Written Premium by Sub-Category (RON Million), 2012–2017 Table 50: Russian Health Insurance – Written Premium by Sub-Category (US$ Million), 2012–2017 Table 51: Russian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012 Table 52: Russian Non-Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017 Table 53: Russian Non-Life Health Insurance – Written Premium (RON Million), 2008–2012 Table 54: Russian Non-Life Health Insurance – Written Premium (RON Million), 2012–2017 Table 55: Russian Non-Life Health Insurance – Loss Ratio (%), 2008–2012 Table 56: Russian Non-Life Health Insurance – Loss Ratio (%), 2012–2017 Table 57: Russian Life Health Insurance – Number of Policies Sold (Thousand), 2008–2012 Table 58: Russian Life Health Insurance – Number of Policies Sold (Thousand), 2012–2017 Table 59: Russian Life Health Insurance – Written Premium (RON Million), 2008–2012 Table 60: Russian Life Health Insurance – Written Premium (RON Million), 2012–2017 Table 61: Russian Life Health Insurance – Loss Ratio (%), 2008–2012 Table 62: Russian Life Health Insurance – Loss Ratio (%), 2012–2017 Table 63: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RON Million), 2008–2012 Table 64: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RON Million), 2012–2017 Table 65: Russian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RON Million), 2008–2012 Table 66: Russian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RON Million), 2012–2017 Table 67: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2008–2012 Table 68: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2012–2017 Table 69: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012 Table 70: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017 Table 71: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RON Million), 2008–2012 Table 72: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RON Million), 2012–2017 Table 73: Russian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RON Million), 2008–2012 Table 74: Russian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RON Million), 2012–2017 Table 75: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2008–2012 Table 76: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2012–2017 Table 77: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012 Table 78: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017 Table 79: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RON Million), 2008–2012 Table 80: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RON Million), 2012–2017 Table 81: Russian Personal Accident and Health Insurance – Written Premium Through Agencies (RON Million), 2008–2012 Table 82: Russian Personal Accident and Health Insurance – Written Premium Through Agencies (RON Million), 2012–2017 Table 83: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2008–2012 Table 84: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2012–2017 Table 85: Russian Personal Accident and Health Insurance – Number of Agencies, 2008–2012 Table 86: Russian Personal Accident and Health Insurance – Number of Agencies, 2012–2017 Table 87: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RON Million), 2008–2012 Table 88: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RON Million), 2012–2017 Table 89: Russian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RON Million), 2008–2012 Table 90: Russian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RON Million), 2012–2017 Table 91: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012 Table 92: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017 Table 93: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012 Table 94: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017 Table 95: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RON Million), 2008–2012 Table 96: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RON Million), 2012–2017 Table 97: Russian Personal Accident and Health Insurance – Written Premium Through Brokers (RON Million), 2008–2012 Table 98: Russian Personal Accident and Health Insurance – Written Premium Through Brokers (RON Million), 2012–2017 Table 99: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2008–2012 Table 100: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2012–2017 Table 101: Russian Personal Accident and Health Insurance – Number of Brokers, 2008–2012 Table 102: Russian Personal Accident and Health Insurance – Number of Brokers, 2012–2017 Table 103: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RON Million), 2008–2012 Table 104: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RON Million), 2012–2017 Table 105: Russian Personal Accident and Health Insurance – Written Premium Through Other Channels (RON Million), 2008–2012 Table 106: Russia Personal Accident and Health Insurance – Written Premium Through Other Channels (RON Million), 2012–2017 Table 107: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012 Table 108: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017 Table 109: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012 Table 110: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017 Table 111: Insurance Premium Tax in Russia Table 112: Corporate Tax Rates Applicable For Insurance Companies in Russia Table 113: Reinsurance in Russia by Category (RON Billion), 2008–2012 Table 114: Reinsurance in Russia by Category (US$ Billion), 2008–2012 Table 115: Reinsurance in Russia by Category (RON Billion), 2012–2017 Table 116: Reinsurance in Russia by Category (US$ Billion), 2012–2017 Table 117: Russian Premium Ceded to Reinsurance by Insurance Segment (RON Billion), 2008–2012 Table 118: Russian Premium Ceded to Reinsurance by Insurance Segment (US$ Billion), 2008–2012 Table 119: Russian Premium Ceded to Reinsurance by Insurance Segment (RON Billion), 2012–2017 Table 120: Russian Premium Ceded to Reinsurance by Insurance Segment (US$ Billion), 2012–2017 Table 121: Russian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012 Table 122: Russian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017 Table 123: Russian Personal Accident and Health Insurance – Segment Shares (%), 2011 Table 124: BCR Asigurari de Viata, Key Facts Table 125: Eureko Russia, Key Facts Table 126: Eureko Russia, Key Financials (RON Million), 2009–2012 Table 127: Allianz-Tiriac Asigurari S.A., Key Facts Table 128: Allianz-Tiriac Asigurari S.A., Key Financials (RON Million), 2008–2012 Table 129: Omniasig Vig S.A, Key Facts Table 130: Omniasig Vig S.A, Key Financials (RON Million), 2008–2012 Table 131: AXA Asigurari, Key Facts Table 132: AXA Asigurari, Key Financials (RON Million), 2010–2012 Table 133: UNIQA Asigurari S.A., Key Facts Table 134: UNIQA Asigurari S.A., Key Financials (RON Million), 2008–2012 Table 135: Astra Asigurari, Key Facts Table 136: Astra Asigurari, Key Financials (RON Million), 2008–2011 Table 137: Asirom Vienna Insurance Group S.A., Key Facts Table 138: Asirom Vienna Insurance Group S.A., Key Financials (RON Million), 2008–2012 Table 139: Guarantee Insurance S.A., Key Facts Table 140: Guarantee Insurance S.A., Key Financials (RON Million) List of Figures Figure 1: BRICS Region – A Snapshot of the Economies and Populations, 2011 Figure 2: BRICS Region – Growth Trends in the Insurance Industry Figure 3: BRICS Region – GDP at Constant Prices (US$ Trillion) and Annual Per Capita Disposable Income (US$), 2007 and 2011 Figure 4: BRICS Region – Health Expenditure Per Capita (US$), 2007 and 2011 Figure 5: BRICS Insurance – Total Industry Values by Segment (US$ Billion), 2011 Figure 6: BRICS Personal Accident and Health Insurance – Growth Trends Figure 7: BRICS Personal Accident and Health Insurance – Gross Written Premiums (US$ Billion), 2011 Figure 8: BRICS Personal Accident and Health Insurance – Premiums Per Capita (US$), 2011 Figure 9: BRICS Personal Accident and Health Insurance – Penetration (% of GDP), 2011 and 2016 Figure 10: BRICS Personal Accident and Health Insurance – Gross Written Premium Growth (%), 2007–2016 Figure 11: BRICS Personal Accident and Health Insurance – Gross Written Premium Capita Growth (%), 2007–2016 Figure 12: BRICS Personal Accident and Health Insurance – Loss Ratios (%), 2011 and 2016 Figure 13: BRICS Personal Accident and Health Insurance – Incurred Losses per Capita (US$), 2011 and 2016 Figure 14: BRICS Personal Accident and Health Insurance – Incurred Losses as a Percentage of GDP (%), 2011 and 2016 Figure 15: BRICS Direct Marketing – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016 Figure 16: BRICS Bancassurance – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016.

Figure 17: BRICS Agencies – Share of Personal Accident and Health Insurance Gross Written Premium (%), 2007–2016 Figure 18: Russian Insurance – Overall Written Premium by Segment (RUB Billion), 2008–2017 Figure 19: Russian Insurance – Dynamics by Segment (%), 2008–2017 Figure 20: Russian Personal Accident and Health Insurance – Written Premium by Category (RUB Billion), 2008–2017 Figure 21: Russian Personal Accident and Health Insurance – Written Premium by Category (% Share), 2012 and 2017 Figure 22: Russian Personal Accident and Health Insurance – Dynamics by Category (%), 2008–2017 Figure 23: Russian Personal Accident and Health Insurance – Earned Premium (RUB Billion), 2008–2012 Figure 24: Russian Personal Accident and Health Insurance – Earned Premium (RUB Billion), 2012–2017 Figure 25: Russian Personal Accident and Health Insurance – Paid Claims by Category (RUB Billion), 2008–2017 Figure 26: Russian Personal Accident and Health Insurance – Incurred Loss by Category (RUB Billion), 2008–2017 Figure 27: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2008–2012 Figure 28: Russian Personal Accident and Health Insurance – Loss Ratio (%), 2012–2017 Figure 29: Russian Personal Accident and Health Insurance – Commission and Expenses (RUB Billion), 2008–2012 Figure 30: Russian Personal Accident and Health Insurance – Commission and Expenses (RUB Billion), 2012–2017 Figure 31: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2008–2012 Figure 32: Russian Personal Accident and Health Insurance – Combined Ratio (%), 2012–2017 Figure 33: Russian Personal Accident and Health Insurance – Frauds and Crimes (RUB Billion), 2008–2012 Figure 34: Russian Personal Accident and Health Insurance – Frauds and Crimes (RUB Billion), 2012–2017 Figure 35: Russian Personal Accident and Health Insurance – Total Assets (RUB Billion), 2008–2012 Figure 36: Russian Personal Accident and Health Insurance – Total Assets (RUB Billion), 2012–2017 Figure 37: Russian Personal Accident and Health Insurance – Total Investment Income (RUB Billion), 2008–2012 Figure 38: Russian Personal Accident and Health Insurance – Total Investment Income (RUB Billion), 2012–2017 Figure 39: Russian Personal Accident and Health Insurance – Retentions (RUB Billion), 2008–2012 Figure 40: Russian Personal Accident and Health Insurance – Retentions (RUB Billion), 2012–2017 Figure 41: Russian Personal Accident and Health Insurance – Investment Portfolio (RUB Billion), 2008–2012 Figure 42: Russian Personal Accident and Health Insurance – Penetration (%), 2008–2012 Figure 43: Russian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2008–2012 Figure 44: Russian Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2012–2017 Figure 45: Russian Personal Accident and Health Insurance – Premium Per Capita (RUB), 2008–2012 Figure 46: Russian Personal Accident Insurance – Number of Policies Sold (Thousand), 2008–2012 Figure 47: Russian Personal Accident Insurance – Number of Policies Sold (Million), 2012–2017 Figure 48: Russian Personal Accident Insurance – Written Premium (RUB Billion), 2008–2012 Figure 49: Russian Personal Accident Insurance – Written Premium (RUB Billion), 2012–2017 Figure 50: Russian Personal Accident Insurance – Loss Ratio (%), 2008–2012 Figure 51: Russian Personal Accident Insurance – Loss Ratio (%), 2012–2017 Figure 52: Russian Travel Insurance – Number of Policies Sold (Thousand), 2008–2012 Figure 53: Russian Travel Insurance – Number of Policies Sold (Thousand), 2012–2017 Figure 54: Russian Travel Insurance – Written Premium (RUB Billion), 2008–2012 Figure 55: Russian Travel Insurance – Written Premium (RUB Billion), 2012–2017 Figure 56: Russian Travel Insurance – Loss Ratio (%), 2008–2012 Figure 57: Russian Travel Insurance – Loss Ratio (%), 2012–2017 Figure 58: Russian Health Insurance – Number of Policies Sold (Million), 2008–2012 Figure 59: Russian Health Insurance – Number of Policies Sold (Million), 2012–2017 Figure 60: Russian Health Insurance – Written Premium (RUB Billion), 2008–2012 Figure 61: Russian Health Insurance – Written Premium (RUB Billion), 2012–2017 Figure 62: Russian Health Insurance – Loss Ratio (%), 2008–2012 Figure 63: Russian Health Insurance – Loss Ratio (%), 2012–2017 Figure 64: Russian Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2012 and 2017 Figure 65: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RUB Billion), 2008–2012 Figure 66: Russian Personal Accident and Health Insurance – Direct Marketing Commission Paid (RUB Billion), 2012–2017 Figure 67: Russian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RUB Billion), 2008–2012 Figure 68: Russian Personal Accident and Health Insurance – Written Premium Through Direct Marketing (RUB Billion), 2012–2017 Figure 69: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Million), 2008–2012 Figure 70: Russian Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Million), 2012–2017 Figure 71: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2008–2012 Figure 72: Russian Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2012–2017 Figure 73: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RUB Billion), 2008–2012 Figure 74: Russian Personal Accident and Health Insurance – Bancassurance Commission Paid (RUB Billion), 2012–2017 Figure 75: Russian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RUB Billion), 2008–2012 Figure 76: Russian Personal Accident and Health Insurance – Written Premium Through Bancassurance (RUB Billion), 2012–2017 Figure 77: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Million), 2008–2012 Figure 78: Russian Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Million), 2012–2017 Figure 79: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2008–2012 Figure 80: Russian Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2012–2017 Figure 81: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RUB Billion), 2008–2012 Figure 82: Russian Personal Accident and Health Insurance – Commission Paid to Agencies (RUB Billion), 2012–2017 Figure 83: Russian Personal Accident and Health Insurance – Written Premium Through Agencies (RUB Billion), 2008–2012 Figure 84: Russian Personal Accident and Health Insurance – Written Premium Through Agencies (RUB Billion), 2012–2017 Figure 85: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2008–2012 Figure 86: Russian Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2012–2017 Figure 87: Russian Personal Accident and Health Insurance – Number of Agencies, 2008–2012 Figure 88: Russian Personal Accident and Health Insurance – Number of Agencies, 2012–2017 Figure 89: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RUB Billion), 2008–2012 Figure 90: Russian Personal Accident and Health Insurance – E-Commerce Commission Paid (RUB Billion), 2012–2017 Figure 91: Russian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RUB Billion), 2008–2012 Figure 92: Russian Personal Accident and Health Insurance – Written Premium Through E-Commerce (RUB Billion), 2012–2017 Figure 93: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2008–2012 Figure 94: Russian Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2012–2017 Figure 95: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2008–2012 Figure 96: Russian Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2012–2017 Figure 97: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RUB Billion), 2008–2012 Figure 98: Russian Personal Accident and Health Insurance – Commission Paid to Brokers (RUB Billion), 2012–2017 Figure 99: Russian Personal Accident and Health Insurance – Written Premium Through Brokers (RUB Billion), 2008–2012 Figure 100: Russian Personal Accident and Health Insurance – Written Premium Through Brokers (RUB Billion), 2012–2017 Figure 101: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Million) 2008–2012 Figure 102: Russian Personal Accident and Health Insurance – Policies Sold Through Brokers (Million), 2012–2017 Figure 103: Russian Personal Accident and Health Insurance – Number of Brokers, 2008–2012 Figure 104: Russian Personal Accident and Health Insurance – Number of Brokers, 2012–2017 Figure 105: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RUB Billion), 2008–2012 Figure 106: Russian Personal Accident and Health Insurance – Commission Paid to Other Channels (RUB Billion), 2012–2017 Figure 107: Russian Personal Accident and Health Insurance – Written Premium Through Other Channels (RUB Billion), 2008–2012 Figure 108: Russian Personal Accident and Health Insurance – Written Premium Through Other Channels (RUB Billion), 2012–2017 Figure 109: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2008–2012 Figure 110: Russian Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2012–2017 Figure 111: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2008–2012 Figure 112: Russian Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2012–2017 Figure 113: Russian Personal Accident and Health Insurance Segment – Five Forces Analysis Figure 114: Russian Premium Ceded to Reinsurance by Category (RUB Billion), 2008–2017 Figure 115: Russian Premium Ceded to Reinsurance by Category (% Share), 2012 and 2017 Figure 116: Russian Reinsurance – Dynamics by Category (%), 2008–2017 Figure 117: Russian Premium Ceded to Reinsurance by Type of Insurance (RUB Billion), 2008–2017 Figure 118: Russian Reinsurance – Dynamics by Type of Insurance (%), 2008–2017 Figure 119: Russian personal accident and health Insurance – Percentage of Reinsurance Ceded (%), 2008–2012 Figure 120: Russian personal accident and health Insurance – Percentage of Reinsurance Ceded (%), 2012–2017 Figure 121: Insurance Regulatory Framework in Russia Figure 122: Insurance Supervision and Control at Various Levels Figure 123: Insurance Regulatory Frameworks for Company Registration and Operation Figure 124: Russian Personal Accident and Health Insurance Written Premiums by Leading Companies (% Share), 2011 Figure 125: Russian Stock Exchange – Market Capitalization (US$ Billion), 2007–2011 Figure 126: Russian GDP at Constant Prices (US$ Billion), 2007–2012 Figure 127: Russian GDP Per Capita PPP (US$), 2007–2011 Figure 128: Russian GDP at Current Prices (US$ Billion), 2007–2012 Figure 129: Russian GDP Per Capita at Current Prices (US$), 2007–2012 Figure 130: Russian GDP by Key Sectors (%) 2007 and 2011 Figure 131: Russian Agriculture Net Output at Current Prices (RUB Billion), 2007–2011 Figure 132: Russian Agriculture Net Output at Current Prices (US$ Billion), 2007–2011 Figure 133: Russian Agriculture Net Output at Current Prices as a Percentage of GDP (%), 2007–2011 Figure 134: Russian Manufacturing Net Output at Current Prices (RUB Billion), 2007–2011 Figure 135: Russian Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011 Figure 136: Russian Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011 Figure 137: Russian Mining, Manufacturing and Utilities Net Output at Current Prices (RUB Billion), 2007–2011 Figure 138: Russian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion) Read the full report: Personal Accident and Health Insurance in Russia, Key Trends and Opportunities to 2017 http://www.reportbuyer.com/pharma_healthcare/healthcare/health_insurance/personal_accident_health_insurance_russia_key_trends_opportunities_2017.html#utm_source=prnewswire&utm_medium=pr&utm_campaign=Health_Insurance For more information: Sarah Smith Research Advisor at Reportbuyer.com Email: query@reportbuyer.com Tel: +44 208 816 85 48 Website: http://www.reportbuyer.com Read the full story at http://www.prweb.com/releases/2013/12/prweb11388303.htm (c) 2013 PRWEB.COM Newswire

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