Personal Accident and Health Insurance in Denmark, Key Trends and Opportunities to 2018


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Timetric

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Synopsis

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

  • The Danish 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
  • The various distribution channels in the Danish personal accident and health insurance segment
  • The detailed competitive landscape in the personal accident and health insurance segment in Denmark
  • Detailed regulatory policies of the Danish insurance industry
  • Analysis of various consumer segments in Danish personal accident and health insurance
  • Key developments in the Danish personal accident and health insurance segment
  • New products launched by Danish personal accident and health insurers

Executive summary

The Danish personal accident and health insurance segment accounted for the lowest premium share in the industry during the review period (2009−2013). The segment posted a review-period compound annual growth rate (CAGR) of 2.8% and growth was supported by the rising healthcare expenses and the presence of mandatory workplace accident cover. An inadequate public healthcare services and the unavailability of specialized treatment supported the health insurance category to register positive growth during the review period. These factors are expected to support the segment’s development over the forecast period (2014–2018) and it is anticipated to post a CAGR of 2.4%, from DKK12.7 billion (US$2.3 billion) in 2013 to DKK14.3 billion (US$2.6 billion) in 2018 in gross written premium terms.

Scope

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

  • It provides historical values for the Danish personal accident and health insurance segment for the report’s 2009–2013 review period, and projected figures for the 2013–2018 forecast period.
  • It offers a detailed analysis of the key categories in the Danish personal accident and health insurance segment, along with market forecasts until 2018.
  • 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 Denmark.
  • It profiles the top personal accident and health insurance companies in Denmark and outlines the key regulations affecting them.

Reasons to buy

  • Make strategic business decisions using in-depth historic and forecast market data related to Danish personal accident and health insurance segment and each category within it.
  • Understand the demand-side dynamics, key market trends and growth opportunities in the Danish personal accident and health insurance segment.
  • Assess the competitive dynamics in the personal accident and health insurance segment.
  • Identify the growth opportunities and market dynamics in key product categories.
  • Gain insights into key regulations governing the Danish insurance industry and their impact on companies and the industry's future.

Key highlights

  • The Danish personal accident and health insurance segment accounted for the lowest premium share in the industry during the review period.
  • The segment posted a review-period CAGR of 2.8% and growth was supported by the rising healthcare expenses and the presence of mandatory workplace accident cover.
  • Health insurance was the largest category within the segment in terms of gross written premium during the review period.
  • An inadequate public healthcare services and the unavailability of specialized treatment supported the health insurance category to register positive growth during the review period.
  • Fraud and crimes acted as challenge for personal accident and health insurance companies operating in Denmark.
  • Within the personal accident and health insurance segment, other distribution channel accounted for 39.3% of the total gross written premium in 2013.

1 Key Facts and Events

2 Executive Summary

3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology

4 Danish Insurance Industry Attractiveness
4.1 Insurance Industry Size, 2009–2018

5 Personal Accident and Health Insurance Segment Outlook
5.1 Consumer Segmentation
5.2 Key Drivers
5.3 Key Trends
5.4 Challenges
5.5 Personal Accident and Health Insurance Growth Prospects by Category
5.5.1 Personal accident insurance
5.5.2 Travel insurance
5.5.3 Health insurance
5.5.4 Non-life health insurance
5.5.5 Life health insurance

6 Analysis by Distribution Channel
6.1 Direct Marketing
6.2 Bancassurance
6.3 Agencies
6.4 E-Commerce
6.5 Brokers
6.6 Other Channels

7 Governance, Risk and Compliance
7.1 Legislation Overview and Historical Evolution
7.2 Legislation and Market Practice by Type of Insurance
7.2.1 Life insurance
7.2.2 Property insurance
7.2.3 Motor insurance
7.2.4 Liability insurance
7.2.5 Marine, aviation and transit insurance
7.2.6 Personal accident and health insurance
7.3 Compulsory Insurance
7.3.1 Motor third-party liability insurance
7.3.2 Air carriers and aircraft operators insurance
7.3.3 Workmen’s compensation insurance
7.3.4 Third-party liability insurance for dogs
7.4 Supervision and Control
7.4.1 International Association of Insurance Supervisors
7.4.2 European Insurance and Occupational Pensions Authority
7.4.3 Danish Financial Supervisory Authority (DFSA)
7.5 Non-Admitted Insurance Regulations
7.5.1 Overview
7.5.2 Intermediaries
7.5.3 Market practices
7.5.4 Fines and penalties
7.6 Company Registration and Operations
7.6.1 Types of insurance organization
7.6.2 Establishing a local company
7.6.3 Foreign ownership
7.6.4 Types of license
7.6.5 Capital requirements
7.6.6 Solvency margins
7.6.7 Reserve requirements
7.6.8 Investment regulations
7.6.9 Statutory return requirements
7.6.10 Fee structure
7.7 Taxation
7.7.1 Insurance premium or policy taxation
7.7.2 Withholding taxes on premium paid overseas
7.7.3 Corporate tax
7.7.4 VAT
7.7.5 Captives
7.8 Legal System
7.8.1 Introduction
7.8.2 Access to court
7.8.3 Alternative dispute resolution (ADR)

8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Danish Personal Accident and Health Insurance Segment
8.3 Leading Personal accident and health Insurers – New Product Launches and Product Portfolio
8.4 Leading Personal accident and health Insurers – Key Developments
8.5 Sygeforsikringen “Danmark” – Company Overview
8.5.1 Sygeforsikringen “danmark” – key facts
8.6 Tryg Forsikring AS – Company Overview
8.6.1 Tryg Forsikring AS – key facts
8.7 Codan Forsikring AS – Company Overview
8.7.1 Codan Forsikring AS – key facts
8.8 Topdanmark Forsikring AS – Company Overview
8.8.1 Topdanmark Forsikring AS – key facts
8.9 Alm. Brand Forsikring AS – Company Overview
8.9.1 Alm. Brand Forsikring AS – key facts
8.1 LB Forsikring AS – Company Overview
8.10.1 LB Forsikring AS – key facts
8.11 Forsikrings-Aktieselskabet Alka – Company Overview
8.11.1 Forsikrings-Aktieselskabet Alka – key facts
8.12 Forsikringsselskabet Danica, Skadeforsikringsaktieselskab af 1999 – Company Overview
8.12.1 Forsikringsselskabet Danica, Skadeforsikringsaktieselskab af 1999 – key facts
8.13 Mølholm Forsikring AS – Company Overview
8.13.1 Mølholm Forsikring AS – key facts
8.14 GF-Forsikring AS – Company Overview
8.14.1 GF-Forsikring AS – key facts

9 Appendix – 1
9.1 Business Confidence
9.1.1 Market capitalization trend – Copenhagen Stock Exchange, Denmark
9.2 Economic Performance
9.2.1 GDP at constant prices (US$)
9.2.2 GDP per capita at constant prices (US$)
9.2.3 GDP at current prices (US$)
9.2.4 GDP per capita at current prices (US$)
9.2.5 GDP by key sector
9.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
9.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
9.2.8 Manufacturing net output at current prices (US$)
9.2.9 Manufacturing net output at current prices as a percentage of GDP
9.2.10 Mining, manufacturing and utilities at current prices (US$)
9.2.11 Mining, manufacturing and utilities at current prices as a percentage of GDP
9.2.12 Construction net output at current prices (US$)
9.2.13 Construction net output at current prices as a percentage of GDP
9.2.14 Inflation rate
9.2.15 Exports as a percentage of GDP
9.2.16 Imports as a percentage of GDP
9.2.17 Merchandise exports growth
9.2.18 Merchandise imports growth
9.2.19 Annual average exchange rate DKK–US$
9.3 Infrastructure
9.3.1 Commercial vehicle exports – total value
9.3.2 Commercial vehicle imports – total value
9.3.3 Automotive exports – total value
9.3.4 Automotive imports – total value
9.3.5 Total internet subscribers
9.4 Labor Force
9.4.1 Labor force
9.4.2 Unemployment rate
9.5 Demographics
9.5.1 Gross national disposable income (US$)
9.5.2 Household consumption expenditure (US$)
9.5.3 Total population
9.5.4 Urban and rural populations
9.5.5 Age distribution of the total population

10 Appendix – 2
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric’s Services
10.5 Disclaimer

Table 1: Danish Personal Accident and Health Insurance – Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Danish Insurance Industry – Gross Written Premium by Segment (DKK Billion), 2009–2013
Table 4: Danish Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 5: Danish Insurance Industry – Gross Written Premium by Segment (DKK Billion), 2013–2018
Table 6: Danish Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 7: Danish Insurance Industry – Gross Written Premium by Segment (Percentage Share), 2009–2018
Table 8: Danish Insurance Industry – Direct Written Premium by Segment (DKK Billion), 2009–2013
Table 9: Danish Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 10: Danish Insurance Industry – Direct Written Premium by Segment (DKK Billion), 2013–2018
Table 11: Danish Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 12: Danish Insurance Industry – Direct Written Premium by Segment (Percentage Share), 2009–2018
Table 13: Danish Personal Accident and Health Insurance – Gross Written Premium by Category (DKK Billion), 2009–2013
Table 14: Danish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2009–2013
Table 15: Danish Personal Accident and Health Insurance – Gross Written Premium by Category (DKK Billion), 2013–2018
Table 16: Danish Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2013–2018
Table 17: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (DKK Billion), 2009–2013
Table 18: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2009–2013
Table 19: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (DKK Billion), 2013–2018
Table 20: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2013–2018
Table 21: Danish Personal Accident and Health Insurance – Earned Premium (DKK Billion), 2009–2013
Table 22: Danish Personal Accident and Health Insurance – Earned Premium (DKK Billion), 2013–2018
Table 23: Danish Personal Accident and Health Insurance – Paid Claims by Category (DKK Billion), 2009–2013
Table 24: Danish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2009–2013
Table 25: Danish Personal Accident and Health Insurance – Paid Claims by Category (DKK Billion), 2013–2018
Table 26: Danish Personal Accident and Health Insurance – Paid Claims by Category (US$ Billion), 2013–2018
Table 27: Danish Personal Accident and Health Insurance – Incurred Loss by Category (DKK Billion), 2009–2013
Table 28: Danish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2009–2013
Table 29: Danish Personal Accident and Health Insurance – Incurred Loss by Category (DKK Billion), 2013–2018
Table 30: Danish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2013–2018
Table 31: Danish Personal Accident and Health Insurance – Retentions by Category (DKK Billion), 2009–2013
Table 32: Danish Personal Accident and Health Insurance – Retentions by Category (US$ Billion), 2009–2013
Table 33: Danish Personal Accident and Health Insurance – Retentions by Category (DKK Billion), 2013–2018
Table 34: Danish Personal Accident and Health Insurance – Retentions by Category (US$ Billion), 2013–2018
Table 35: Danish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Danish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Danish Personal Accident and Health Insurance – Commission and Expenses (DKK Billion), 2009–2013
Table 38: Danish Personal Accident and Health Insurance – Commission and Expenses (DKK Billion), 2013–2018
Table 39: Danish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Danish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Danish Personal Accident and Health Insurance – Fraud and Crime (DKK Billion), 2009–2013
Table 42: Danish Personal Accident and Health Insurance – Fraud and Crime (DKK Billion), 2013–2018
Table 43: Danish Personal Accident and Health Insurance – Total Assets (DKK Billion), 2009–2013
Table 44: Danish Personal Accident and Health Insurance – Total Assets (DKK Billion), 2013–2018
Table 45: Danish Personal Accident and Health Insurance – Total Investment Income (DKK Billion), 2009–2013
Table 46: Danish Personal Accident and Health Insurance – Total Investment Income (DKK Billion), 2013–2018
Table 47: Danish Personal Accident and Health Insurance – Retentions (DKK Billion), 2009–2013
Table 48: Danish Personal Accident and Health Insurance – Retentions (DKK Billion), 2013–2018
Table 49: Danish Personal Accident Insurance – Number of Policies Sold (Million), 2009–2013
Table 50: Danish Personal Accident Insurance – Number of Policies Sold (Million), 2013–2018
Table 51: Danish Personal Accident Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 52: Danish Personal Accident Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 53: Danish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Danish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Danish Travel Insurance – Number of Policies Sold (Million), 2009–2013
Table 56: Danish Travel Insurance – Number of Policies Sold (Million), 2013–2018
Table 57: Danish Travel Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 58: Danish Travel Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 59: Danish Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Danish Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Danish Health Insurance – Gross Written Premium by Sub-Category (DKK Billion), 2009–2013
Table 62: Danish Health Insurance – Gross Written Premium by Sub-Category (US$ Billion), 2009–2013
Table 63: Danish Health Insurance – Gross Written Premium by Sub-Category (DKK Billion), 2013–2018
Table 64: Danish Health Insurance – Gross Written Premium by Sub-Category (US$ Billion), 2013–2018
Table 65: Danish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 66: Danish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 67: Danish Non-Life Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 68: Danish Non-Life Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 69: Danish Non-Life Health Insurance – Direct Written Premium (DKK Billion), 2009–2013
Table 70: Danish Non-Life Health Insurance – Direct Written Premium (DKK Billion), 2013–2018
Table 71: Danish Non-Life Health Insurance – Loss Ratio (%), 2009–2013
Table 72: Danish Non-Life Health Insurance – Loss Ratio (%), 2013–2018
Table 73: Danish Non-Life Health Insurance – Retentions (DKK Billion), 2009–2013
Table 74: Danish Non-Life Health Insurance – Retentions (DKK Billion), 2013–2018
Table 75: Danish Life Health Insurance – Number of Policies Sold (Million), 2009–2013
Table 76: Danish Life Health Insurance – Number of Policies Sold (Million), 2013–2018
Table 77: Danish Life Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 78: Danish Life Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 79: Danish Life Health Insurance – Direct Written Premium (DKK Billion), 2009–2013
Table 80: Danish Life Health Insurance – Direct Written Premium (DKK Billion), 2013–2018
Table 81: Danish Life Health Insurance – Loss Ratio (%), 2009–2013
Table 82: Danish Life Health Insurance – Loss Ratio (%), 2013–2018
Table 83: Danish Life Health Insurance – Retentions (DKK Billion), 2009–2013
Table 84: Danish Life Health Insurance – Retentions (DKK Billion), 2013–2018
Table 85: Danish Personal Accident and Health Insurance – Direct Marketing Commission Paid (DKK Billion), 2009–2013
Table 86: Danish Personal Accident and Health Insurance – Direct Marketing Commission Paid (DKK Billion), 2013–2018
Table 87: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 88: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 89: Danish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 90: Danish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 91: Danish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 92: Danish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 93: Danish Personal Accident and Health Insurance – Bancassurance Commission Paid (DKK Million), 2009–2013
Table 94: Danish Personal Accident and Health Insurance – Bancassurance Commission Paid (DKK Million), 2013–2018
Table 95: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 96: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 97: Danish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 98: Danish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 99: Danish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 100: Danish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 101: Danish Personal Accident and Health Insurance – Commission Paid to Agencies (DKK Million), 2009–2013
Table 102: Danish Personal Accident and Health Insurance – Commission Paid to Agencies (DKK Million), 2013–2018
Table 103: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 104: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 105: Danish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 106: Danish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 107: Danish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 108: Danish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 109: Danish Personal Accident and Health Insurance – E-Commerce Commission Paid (DKK Million), 2009–2013
Table 110: Danish Personal Accident and Health Insurance – E-Commerce Commission Paid (DKK Million), 2013–2018
Table 111: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 112: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 113: Danish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 114: Danish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 115: Danish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Table 116: Danish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Table 117: Danish Personal Accident and Health Insurance – Commission Paid to Brokers (DKK Million), 2009–2013
Table 118: Danish Personal Accident and Health Insurance – Commission Paid to Brokers (DKK Million), 2013–2018
Table 119: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Million), 2009–2013
Table 120: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 121: Danish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Table 122: Danish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Table 123: Danish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 124: Danish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 125: Danish Personal Accident and Health Insurance – Commission Paid to Other Channels (DKK Billion), 2009–2013
Table 126: Danish Personal Accident and Health Insurance – Commission Paid to Other Channels (DKK Billion), 2013–2018
Table 127: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Table 128: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Table 129: Danish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 130: Danish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 131: Danish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 132: Danish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 133: Denmark – Life Insurance Regulatory Framework
Table 134: Denmark – Property Insurance Regulatory Framework
Table 135: Denmark – Motor Insurance Regulatory Framework
Table 136: Denmark – Liability Insurance Regulatory Framework
Table 137: Denmark – Minimum Coverage for Aircraft Third-Party Liability per Accident and Aircraft
Table 138: Denmark – Corporate Tax Rates for Financial Year 2013
Table 139: Shares of Key Insurers in the Danish Personal Accident and Health Insurance Segment (%), 2013
Table 140: Sygeforsikringen “danmark” , Key Facts
Table 141: Tryg Forsikring AS, Key Facts
Table 142: Codan Forsikring AS, Key Facts
Table 143: Topdanmark Forsikring AS, Key Facts
Table 144: Alm. Brand Forsikring AS, Key Facts
Table 145: LB Forsikring AS, Key Facts
Table 146: Forsikrings-Aktieselskabet Alka, Key Facts
Table 147: Forsikringsselskabet Danica, Skadeforsikringsaktieselskab af 1999, Key Facts
Table 148: Mølholm Forsikring AS, Key Facts
Table 149: GF-Forsikring AS, Key Facts

Figure 1: Danish Insurance Industry – Gross Written Premium by Segment (DKK Billion), 2009–2018
Figure 2: Danish Insurance Industry – Gross Written Premium Dynamics by Segment (2009–2018)
Figure 3: Danish Insurance Industry – Direct Written Premium by Segment (DKK Billion), 2009–2018
Figure 4: Danish Insurance Industry – Direct Written Premium Dynamics by Segment (2009–2018)
Figure 5: Danish Gross Written Premium and Health Expenditure Statistics, 2008−2013
Figure 6: Danish Distribution of Employment by Sector (%), 2009–2010
Figure 7: Danish Population Distribution by Gender and Age Group – 2009 and 2013
Figure 8: Danish Rural and Urban Populations (%) 2009–2013 and Outbound Tourism (Million), 2008–2013
Figure 9: Danish Personal Accident and Health Insurance – Gross Written Premium by Category (DKK Billion), 2009–2018
Figure 10: Danish Personal Accident and Health Insurance – Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 11: Danish Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 12: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (DKK Billion), 2009–2018
Figure 13: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 14: Danish Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 15: Danish Personal Accident and Health Insurance – Earned Premium (DKK Billion), 2009–2013
Figure 16: Danish Personal Accident and Health Insurance – Earned Premium (DKK Billion), 2013–2018
Figure 17: Danish Personal Accident and Health Insurance – Paid Claims by Category (DKK Billion), 2009–2018
Figure 18: Danish Personal Accident and Health Insurance – Incurred Loss by Category (DKK Billion), 2009–2018
Figure 19: Danish Personal Accident and Health Insurance – Retentions by Category (DKK Billion), 2009–2018
Figure 20: Danish Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 21: Danish Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 22: Danish Personal Accident and Health Insurance – Commission and Expenses (DKK Billion), 2009–2013
Figure 23: Danish Personal Accident and Health Insurance – Commission and Expenses (DKK Billion), 2013–2018
Figure 24: Danish Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 25: Danish Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 26: Danish Personal Accident and Health Insurance – Fraud and Crime (DKK Billion), 2009–2013
Figure 27: Danish Personal Accident and Health Insurance – Fraud and Crime (DKK Billion), 2013–2018
Figure 28: Danish Personal Accident and Health Insurance – Total Assets (DKK Billion), 2009–2013
Figure 29: Danish Personal Accident and Health Insurance – Total Assets (DKK Billion), 2013–2018
Figure 30: Danish Personal Accident and Health Insurance – Total Investment Income (DKK Billion), 2009–2013
Figure 31: Danish Personal Accident and Health Insurance – Total Investment Income (DKK Billion), 2013–2018
Figure 32: Danish Personal Accident and Health Insurance – Retentions (DKK Billion), 2009–2013
Figure 33: Danish Personal Accident and Health Insurance – Retentions (DKK Billion), 2013–2018
Figure 34: Danish Personal Accident and Health Insurance – Investment Portfolio (DKK Billion), 2009–2013
Figure 35: Danish Personal Accident and Health Insurance – Investment Portfolio (Percentage Share), 2009 and 2013
Figure 36: Danish Personal Accident and Health Insurance Penetration (%), 2009–2013
Figure 37: Danish Personal Accident and Health Insurance – Number of Policies Sold (Million), 2009–2013
Figure 38: Danish Personal Accident and Health Insurance – Number of Policies Sold (Million), 2013–2018
Figure 39: Danish Personal Accident and Health Insurance – Premium per Capita (DKK), 2009–2013
Figure 40: Danish Personal Accident Insurance – Number of Policies Sold (Million), 2009–2013
Figure 41: Danish Personal Accident Insurance – Number of Policies Sold (Million), 2013–2018
Figure 42: Danish Personal Accident Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 43: Danish Personal Accident Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 44: Danish Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 45: Danish Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 46: Danish Travel Insurance – Number of Policies Sold (Million), 2009–2013
Figure 47: Danish Travel Insurance – Number of Policies Sold (Million), 2013–2018
Figure 48: Danish Travel Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 49: Danish Travel Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 50: Danish Travel Insurance – Loss Ratio (%), 2009–2013
Figure 51: Danish Travel Insurance – Loss Ratio (%), 2013–2018
Figure 52: Danish Health Insurance – Gross Written Premium by Sub-Category (DKK Billion), 2009–2018
Figure 53: Danish Health Insurance – Gross Written Premium Dynamics by Sub-Category, 2009–2018
Figure 54: Danish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 55: Danish Non-Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 56: Danish Non-Life Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 57: Danish Non-Life Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 58: Danish Non-Life Health Insurance – Direct Written Premium (DKK Billion), 2009–2013
Figure 59: Danish Non-Life Health Insurance – Direct Written Premium (DKK Billion), 2013–2018
Figure 60: Danish Non-Life Health Insurance – Loss Ratio (%), 2009–2013
Figure 61: Danish Non-Life Health Insurance – Loss Ratio (%), 2013–2018
Figure 62: Danish Non-Life Health Insurance – Retentions (DKK Billion), 2009–2013
Figure 63: Danish Non-Life Health Insurance – Retentions (DKK Billion), 2013–2018
Figure 64: Danish Life Health Insurance – Number of Policies Sold (Million), 2009–2013
Figure 65: Danish Life Health Insurance – Number of Policies Sold (Million), 2013–2018
Figure 66: Danish Life Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 67: Danish Life Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 68: Danish Life Health Insurance – Direct Written Premium (DKK Billion), 2009–2013
Figure 69: Danish Life Health Insurance – Direct Written Premium (DKK Billion), 2013–2018
Figure 70: Danish Life Health Insurance – Loss Ratio (%), 2009–2013
Figure 71: Danish Life Health Insurance – Loss Ratio (%), 2013–2018
Figure 72: Danish Life Health Insurance – Retentions (DKK Billion), 2009–2013
Figure 73: Danish Life Health Insurance – Retentions (DKK Billion), 2013–2018
Figure 74: Danish Personal Accident and Health Insurance – Gross Written Premium by Distribution Channel (Percentage Share), 2013 and 2018
Figure 75: Danish Personal Accident and Health Insurance – Direct Marketing Commission Paid (DKK Billion), 2009–2013
Figure 76: Danish Personal Accident and Health Insurance – Direct Marketing Commission Paid (DKK Billion), 2013–2018
Figure 77: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 78: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 79: Danish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 80: Danish Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 81: Danish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 82: Danish Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 83: Danish Personal Accident and Health Insurance – Bancassurance Commission Paid (DKK Million), 2009–2013
Figure 84: Danish Personal Accident and Health Insurance – Bancassurance Commission Paid (DKK Million), 2013–2018
Figure 85: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 86: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 87: Danish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 88: Danish Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 89: Danish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 90: Danish Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 91: Danish Personal Accident and Health Insurance – Commission Paid to Agencies (DKK Million), 2009–2013
Figure 92: Danish Personal Accident and Health Insurance – Commission Paid to Agencies (DKK Million), 2013–2018
Figure 93: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 94: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 95: Danish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 96: Danish Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 97: Danish Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 98: Danish Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 99: Danish Personal Accident and Health Insurance – E-Commerce Commission Paid (DKK Million), 2009–2013
Figure 100: Danish Personal Accident and Health Insurance – E-Commerce Commission Paid (DKK Million), 2013–2018
Figure 101: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 102: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 103: Danish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Figure 104: Danish Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Figure 105: Danish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Figure 106: Danish Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Figure 107: Danish Personal Accident and Health Insurance – Commission Paid to Brokers (DKK Million), 2009–2013
Figure 108: Danish Personal Accident and Health Insurance – Commission Paid to Brokers (DKK Million), 2013–2018
Figure 109: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Million), 2009–2013
Figure 110: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 111: Danish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Figure 112: Danish Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Figure 113: Danish Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 114: Danish Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 115: Danish Personal Accident and Health Insurance – Commission Paid to Other Channels (DKK Billion), 2009–2013
Figure 116: Danish Personal Accident and Health Insurance – Commission Paid to Other Channels (DKK Billion), 2013–2018
Figure 117: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2009–2013
Figure 118: Danish Personal Accident and Health Insurance – Gross Written Premium (DKK Billion), 2013–2018
Figure 119: Danish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 120: Danish Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 121: Danish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 122: Danish Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 123: Denmark – Insurance Regulatory Framework
Figure 124: Denmark – The Three Pillars of Solvency II
Figure 125: Denmark – Insurance Supervision and Control at Various Levels
Figure 126: Denmark – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 127: Shares of Key Insurers in the Danish Personal Accident and Health Insurance Segment (%), 2013
Figure 128: Copenhagen Stock Exchange Market Capitalization (US$ Billion), 2008–2012
Figure 129: Danish GDP at Constant Prices (US$ Billion), 2008–2012
Figure 130: Danish GDP Per Capita at Constant Prices (US$), 2008–2012
Figure 131: Danish GDP at Current Prices (US$ Billion), 2008–2012
Figure 132: Danish GDP Per Capita at Current Prices (US$), 2008–2012
Figure 133: Danish GDP by Key Sector (%), 2008 and 2012
Figure 134: Danish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 135: Danish Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 136: Danish Manufacturing Net Output at Current Prices (US$ Billion), 2008–2012
Figure 137: Danish Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 138: Danish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2008–2012
Figure 139: Danish Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 140: Danish Construction Net Output at Current Prices (US$ Billion), 2008–2012
Figure 141: Danish Construction Output at Current Prices as a Percentage of GDP (%), 2008–2012
Figure 142: Danish Inflation Rate (%), 2008–2012
Figure 143: Danish Exports as a Percentage of GDP (%), 2008–2012
Figure 144: Danish Imports as a Percentage of GDP (%), 2008–2012
Figure 145: Danish Merchandise Exports Growth (%), 2008–2011
Figure 146: Danish Merchandise Imports Growth (%), 2008–2011
Figure 147: Danish Annual Average Exchange Rate US$–DKK, 2008–2012
Figure 148: Danish Commercial Vehicle Exports – Total Value (US$ Billion), 2008–2012
Figure 149: Danish Commercial Vehicle Imports – Total Value (US$ Billion), 2008–2012
Figure 150: Danish Automotive Exports – Total Value (US$ Billion), 2008–2012
Figure 151: Danish Automotive Imports – Total Value (US$ Billion), 2008–2012
Figure 152: Danish Internet Subscriptions (Millions), 2007–2011
Figure 153: Danish Size of Labor Force (Million), 2008–2012
Figure 154: Danish Unemployment Rate (%), 2008–2012
Figure 155: Danish Gross National Disposable Income (US$ Billion), 2008–2012
Figure 156: Danish Household Consumption Expenditure (US$ Billion), 2008–2012
Figure 157: Danish Total Population (Million), 2008–2012
Figure 158: Danish Urban and Rural Populations (%), 2008–2012
Figure 159: Danish Population Distribution by Age (%), 2008–2012