Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2020

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Published: July 31, 2017 Report Code: GD-IS1536MR-ST

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GlobalData’s 'Personal Accident and Health Insurance in France, Key Trends and Opportunities to 2020' report provides detailed analysis of the trends, drivers, challenges in the French personal accident and health insurance segment.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (2011–2015) and forecast period (2015–2020).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the French economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together GlobalData’s research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Scope

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

• It provides historical values for the French personal accident and health insurance segment for the report’s 2011–2015 review period, and projected figures for the 2015–2020 forecast period.

• It offers a detailed analysis of the key categories in the French personal accident and health insurance segment, and market forecasts to 2020.

• It profiles the top personal accident and health insurance companies in France, and outlines the key regulations affecting them.

Key Highlights

• In October 2016, the first online-only health insurer, named Alan, was established in France.

• Effective January 2016, supplementary health insurance was made compulsory for all private sector companies, regardless of size, area of activity, turnover and employee strength.

• Effective January 2016, a Healthcare System Modernization Bill was implemented, which enables third party payments using private insurance and does not require patients to make up-front payments.

• The Insurance Code, which governs insurance activity in France, was updated in January 2016.

• In July 2016, the French Federation of Insurance Companies (FFSA) and the Pool of Mutual Insurance Companies (GEMA) merged to form the French Federation of Insurance (FFA).

Reasons to Buy

• Make strategic business decisions using in-depth historic and forecast market data related to the French personal accident and health insurance segment, and each category within it.

• Understand the demand-side dynamics, key market trends and growth opportunities in the French personal accident and health insurance segment.

• Assess the competitive dynamics in the personal accident and health insurance segment.

• Identify growth opportunities and market dynamics in key product categories.

• Gain insights into key regulations governing the French insurance industry, and their impact on companies and the industry's future.

Axa France Assurance
Groupama Gan
Allianz France SA (AGF)
CNP Assurances SA
Generali France SA
Credit Mutuel France
Crédit Agricole Mutuel Paris Ile de France
Swiss Life France
Covéa Assurances
BNP Paribas Cardif SA

Table of Contents

1 Key Facts and Highlights

2 Executive Summary

3 Economy and Demographics

4 Segment Outlook

4.1 Regional Comparison

4.2 Segment Indicators

4.2.1 Gross written premium and penetration

4.2.2 Claims

4.2.3 Profitability

4.2.4 Assets and investments

5 Outlook by Category

5.1 Personal Accident Insurance

5.1.1 Premium

5.2 Health Insurance

5.2.1 Premium

5.3 Travel Insurance

5.3.1 Premium

5.3.2 Claims

5.3.3 Profitability

6 Distribution Channel Outlook

7 Competitive Landscape

7.1 Company Profiles

7.1.1 Axa France Assurance – company overview

7.1.2 Groupama SA – company overview

7.1.3 Allianz France SA – company overview

7.1.4 CNP Assurances SA – company overview

7.1.5 Generali France Assurances SA – company overview

8 Governance, Risk and Compliance

8.1 Legislation Overview and Historical Evolution

8.2 Latest Changes in Regulation

8.3 Legislation and Market Practice by Type of Insurance

8.3.1 Life insurance

8.3.2 Property insurance

8.3.3 Motor insurance

8.3.4 Liability insurance

8.3.5 Marine, aviation and transit insurance

8.3.6 Personal accident and health insurance

8.4 Compulsory Insurance

8.4.1 Motor third-party liability (MTPL) insurance

8.4.2 Workers’ compensation

8.4.3 Air carriers and aircraft operators insurance

8.4.4 Professional indemnity insurance for alternative investment fund managers

8.4.5 Liability insurance for health professionals

8.4.6 Clinical trials liability insurance

8.4.7 Liability insurance for construction contractors (decennial liability insurance)

8.5 Supervision and Control

8.5.1 International Association of Insurance Supervisors

8.5.2 European Insurance and Occupational Pensions Authority

8.5.3 Autorité de Contrôle Prudentiel

8.5.4 Autorité des Marchés Financiers

8.5.5 Federation of European Risk Management Associations

8.6 Non-Admitted Insurance Regulations

8.6.1 Overview

8.6.2 Intermediaries

8.6.3 Market practices

8.6.4 Fines and Penalties

8.7 Company Registration and Operations

8.7.1 Type of insurance organization

8.7.2 Establishing a local company

8.7.3 Foreign ownership

8.7.4 Types of license

8.7.5 Capital requirements

8.7.6 Solvency margin

8.7.7 Reserve requirements

8.7.8 Investment regulations

8.7.9 Statutory return requirements

8.7.10 Fee structure

8.8 Taxation

8.8.1 Insurance premium or policy taxation

8.8.2 Withholding taxes on premium paid overseas

8.8.3 Corporate tax

8.8.4 VAT

8.8.5 Captives

8.9 Legal System

8.9.1 Introduction

8.9.2 Access to court

8.9.3 Alternative dispute resolution

9 Databook

9.1 Policies and Premium

9.1.1 Claims and expenses

9.1.2 Assets and investments

9.1.3 Personal accident insurance

9.1.4 Health insurance

9.1.5 Travel insurance

10 Definitions and Methodology

10.1 Definitions

10.2 Methodology

11 About GlobalData

11.1 Contact GlobalData

11.2 About GlobalData

11.3 GlobalData’s Services

11.4 Disclaimer

Table

Table 1: French Personal Accident and Health Insurance – Key Facts, 2015

Table 2: French Personal Accident and Health Insurance – Segment Shares of the Top Insurers, 2015

Table 3: French Government Credit Ratings

Table 4: French Personal Accident and Health Insurance – Gross Written Premium (EUR Billion and US$ Billion), 2011–2015

Table 5: French Personal Accident and Health Insurance – Penetration (%), 2011–2015

Table 6: French Personal Accident and Health Insurance – Gross Written Premium (EUR Billion and US$ Billion), 2015–2020

Table 7: French Personal Accident and Health Insurance – Penetration (%), 2015–2020

Table 8: French Personal Accident and Health Insurance – Premium per Capita (EUR and US$), 2011–2015

Table 9: French Personal Accident and Health Insurance – Premium per Capita (EUR and US$), 2015–2020

Table 10: French Personal Accident and Health Insurance – Paid Claims (EUR Billion and US$ Billion), 2011–2015

Table 11: French Personal Accident and Health Insurance – Paid Claims (EUR Billion and US$ Billion), 2015–2020

Table 12: French Personal Accident and Health Insurance – Profitability Ratio (%), 2011–2015

Table 13: French Personal Accident and Health Insurance – Profitability Ratio (%), 2015–2020

Table 14: French Personal Accident and Health Insurance – Total Assets (EUR Billion and US$ Billion), 2011–2015

Table 15: French Personal Accident and Health Insurance – Total Assets (EUR Billion and US$ Billion), 2015–2020

Table 16: French Personal Accident and Health Insurance – Total Investment Income (EUR Billion and US$ Billion), 2011–2015

Table 17: French Personal Accident and Health Insurance – Total Investment Income (EUR Billion and US$ Billion), 2015–2020

Table 18: French Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2011–2015

Table 19: French Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2015–2020

Table 20: French Personal Accident Insurance – Direct Written Premium (EUR Billion and US$ Billion), 2011–2015

Table 21: French Personal Accident Insurance – Direct Written Premium (EUR Billion and US$ Billion), 2015–2020

Table 22: French Health Insurance – Direct Written Premium by Category (EUR Billion), 2011–2015

Table 23: French Health Insurance – Direct Written Premium by Category (EUR Billion), 2015–2020

Table 24: French Travel Insurance – Direct Written Premium (EUR Billion), 2011–2015

Table 25: French Travel Insurance – Direct Written Premium (EUR Billion), 2015–2020

Table 26: French Travel Insurance – Paid Claims (EUR Million and US$ Million), 2011–2015

Table 27: French Travel Insurance – Paid Claims (EUR Million and US$ Million), 2015–2020

Table 28: French Travel Insurance – Loss Ratio (%), 2011–2015

Table 29: French Travel Insurance – Loss Ratio (%), 2015–2020

Table 30: French Personal Accident and Health Insurance – Segment Shares of Leading Insurers (%), 2015

Table 31: Axa France Assurance – Key Facts

Table 32: Groupama SA – Key Facts

Table 33: Allianz France SA – Key Facts

Table 34: CNP Assurances SA – Key Facts

Table 35: Generali France Assurances SA – Key Facts

Table 36: France– Insurance Regulatory Framework Key Features

Table 37: France–Life Insurance Regulatory Framework

Table 38: France–Property Insurance Regulatory Framework

Table 39: France–Motor Insurance Regulatory Framework

Table 40: France–Liability Insurance Regulatory Framework

Table 41: France–Minimum Cover for Aircraft Third-Party Liability Per Accident Per Aircraft

Table 42: France–Motor Insurance Regulatory Framework

Table 43: France–Corporate Tax Rates for the Financial Year 2017

Table 44: French Personal Accident and Health Insurance Industry – Policies and Premium, 2011–2015

Table 45: French Personal Accident and Health Insurance Industry – Policies and Premium, 2015–2020

Table 46: French Personal Accident and Health Insurance – Claims and Expenses, 2011–2015

Table 47: French Personal Accident and Health Insurance – Claims and Expenses, 2015–2020

Table 48: French Personal Accident and Health Insurance – Assets and Investments, 2011–2015

Table 49: French Personal Accident and Health Insurance – Assets and Investments, 2015–2020

Table 50: French Personal Accident and Health Insurance – Personal Accident Insurance, 2011–2015

Table 51: French Personal Accident and Health Insurance – Personal Accident Insurance, 2015–2020

Table 52: French Personal Accident and Health Insurance – Health Insurance, 2011–2015

Table 53: French Personal Accident and Health Insurance – Health Insurance, 2015–2020

Table 54: French Personal Accident and Health Insurance – Travel Insurance, 2011–2015

Table 55: French Personal Accident and Health Insurance – Travel Insurance, 2015–2020

Table 56: Insurance Industry Definitions

Figures

Figure 1: French Economic Transition, by GDP components (% of GDP), 1990–2015

Figure 2: French Real GDP (EUR Trillion), 2011–2020

Figure 3: French Consumer Price Inflation (%), 2011–2020

Figure 4: French Current Account Balance as Percentage of GDP (%), 2011–2020

Figure 5: French Unemployment Rate, 2011–2020

Figure 6: French Population by Age Group, 1990–2025

Figure 7: French Personal Accident and Health Insurance Penetration – Regional Comparison (%), 2015

Figure 8: French Insurance Segment Direct Written Premium Shares – Regional Comparison (%), 2015

Figure 9: French Personal Accident and Health Insurance – Gross Written Premium (EUR Billion), 2011–2020

Figure 10: French Personal Accident and Health Insurance – Penetration (%), 2011–2020

Figure 11: French Personal Accident and Health Insurance – Premium per Capita (EUR), 2011–2020

Figure 12: French Personal Accident and Health Insurance – Paid Claims (EUR Billion), 2011–2020

Figure 13: French Personal Accident and Health Insurance – Profitability Ratio (%), 2011–2020

Figure 14: French Personal Accident and Health Insurance – Total Assets (EUR Billion), 2011–2020

Figure 15: French Personal Accident and Health Insurance – Total Investment Income (EUR Billion), 2011–2020

Figure 16: French Personal Accident and Health Insurance – Direct Written Premium by Category (EUR Billion), 2011–2020

Figure 17: French Personal Accident and Health Insurance – Direct Written Premium Dynamics by Category, 2011–2020

Figure 18: French Personal Accident Insurance – Direct Written Premium (EUR Billion), 2011–2020

Figure 19: French Health Insurance – Direct Written Premium by Category (EUR Billion), 2011–2020

Figure 20: French Travel Insurance – Direct Written Premium (EUR Billion), 2011–2020

Figure 21: French Travel Insurance – Paid Claims (EUR Million), 2011–2020

Figure 22: French Travel Insurance – Earned Premium, Incurred Loss and Loss Ratio (EUR Billion and %), 2011–2020

Figure 23: French Personal Accident and Health Insurance – Segment Shares of Leading Insurers (%), 2015

Figure 24: France – The Three Pillars of Solvency II

Figure 25: France– Insurance Supervision and Control at Various Levels

Figure 26: France– Insurance Regulatory Frameworks for Company Registration and Operation

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