Market Research Report

Personal Accident and Health Insurance in Poland,

Key Trends and Opportunities to 2018
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Synopsis:
The Polish personal accident and health insurance segment recorded steady growth during
the review period. The segments gross written premium posted a review period (2009-2013)
compound annual growth rate (CAGR) of 8.9%. The segment was driven by the economic
growth, an increase in demand for health insurance, and a rise in the countrys aging
population. Such factors are also expected to support the segment over the forecast period
(2013-2018); as gross written premium is expected to increase at a projected CAGR of
8.7%.
Poland has a general health insurance system under which subsidized health services are
provided to residents. It is principally state-financed through the National Health Fund (NFZ),
of which health insurance contributions formed a key part. Taxes from the state budget and
self-government budgets also contributed. Public sector spending accounts for a large
proportion of the total funding in Poland. Healthcare financing is low, however, as the
countrys healthcare expenditure amounted to 6.7 % of its GDP in 2012, and has not kept up
with the countrys GDP growth.
This has put a strain on health services, leading to an increase in public dissatisfaction. The
Ministry of Health has made a number of reforms to improve the countrys health insurance
system.

Report Overview:
The report provides in-depth market analysis, information and insights into the Polish
personal accident and health insurance segment, including:
The Polish personal accident and health insurance segments growth prospects by
insurance category
Key trends and drivers for the personal accident and health insurance segment
The various distribution channels in the Polish personal accident and health insurance
segment
The detailed competitive landscape in the personal accident and health insurance segment
in Poland
Detailed regulatory policies of the Polish insurance industry
Analysis of various consumer segments in Polish personal accident and health insurance
Key developments in the Polish personal accident and health insurance segment
New products launched by Polish personal accident and health insurers

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

It provides historical values for the Polish personal accident and health insurance segment
for the reports 2009-2013 review period, and projected figures for the 2013-2018 forecast
period.
It offers a detailed analysis of the key categories in the Polish 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 Poland.
It profiles the top personal accident and health insurance companies in Poland and outlines
the key regulations affecting them.

Key Highlights :
Although the impact of the global economic crisis on Polands economy was not severe,
government finances were affected, and there has been relatively little healthcare funding
since 2009.
In 2013, agencies constituted 61.5% of the total premiums generated in the segment due to
their large client bases, high levels of brand trust, and established sales forces.
The health insurance category accounted for the largest share, in terms of gross written
premium, of the Polish personal accident and health insurance segment. The category held a
share of 43.8% in 2013 and posted a review-period CAGR of 15.9%; it is expected to grow at
a faster rate to become the largest category in the segment.
Factors such as rising healthcare costs, government initiatives to increase road safety, and
increasing travel and tourism in the country are expected to drive growth.

Child poverty is a key challenge in Poland, and is almost twice the rate in the UK.
The growth of the personal accident and health insurance segment is largely dependent on
employment rates, as a decline in employment may lead to a decline in both group and
individual insurance products.

Table of Contents:
1 Key Facts and Events
2 Executive Summary
3 Introduction
4 Polish Insurance Industry Attractiveness
5 Personal Accident and Health Insurance Segment Outlook
6 Analysis by Distribution
7 Governance, Risk and Compliance
8 Competitive Landscape and Strategic Insights
9 Appendix 1
10 Appendix - 2

Reason To Buy :
Make strategic business decisions using in-depth historic and forecast market data related
to Polish personal accident and health insurance segment and each category within it.
Understand the demand-side dynamics, key market trends and growth opportunities in the
Polish 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 Polish insurance industry and their impact
on companies and the industry's future.

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