The Insurance Industry in Morocco, Key Trends and Opportunities to 2019

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Published: June 17, 2016 Report Code: GD-IS1222MR-ST

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GlobalData’s 'The Insurance Industry in Morocco, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers and challenges in the Moroccan insurance industry.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, total assets, total investment income and retentions during the review period (2010–2014) and forecast period (2014–2019).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Moroccan 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 insurance industry in Morocco:

• It provides historical values for the Moroccan insurance industry for the report’s 2010–2014 review period, and projected figures for the 2014–2019 forecast period.

• It offers a detailed analysis of the key segments in the Moroccan insurance industry, with market forecasts to 2019.

• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, combined ratio, total assets, total investment income and retentions.

• It analyzes the various distribution channels in Morocco.

• It profiles the top insurance companies in Morocco and outlines the key regulations affecting them.

Key Highlights

How has Morocco capitalized on its proximity to Europe? With which countries has Morocco developed free-trade agreements? Which key sectors of the economy is the government focusing on for development?

What category of insurance is the subject of a bill adopted by the Moroccan government? What guidelines are provided for by this bill?

What category of insurance is being targeted by the introduction of a new law in 2016? Cover will be extended to which members of the population as a result? What are insurers expected to launch in response to this law, and for whom?

What type of insurance is the Moroccan government extending? When is this expected to come into force?

Establishing a scheme for which category of insurance is subject of a bill adopted by the Moroccan government in 2016? What will be established as a key requirement as part of this legislation?

How are the expansion strategies adopted by Moroccan insurers extending to other African countries with less developed insurance industries? What are Moroccan insurers taking to establish their presence in these countries?

Reasons to Buy

• Make strategic business decisions using in-depth historic and forecast market data related to the Moroccan insurance industry and each segment and category within it.

• Understand the demand-side dynamics, key market trends and growth opportunities in the Moroccan insurance industry.

• Assess the competitive dynamics in the Moroccan insurance industry.

• Identify growth opportunities and market dynamics in key segments.

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

Wafa Assurance
RMA Watanya
MCMA
Marocaine Vie
Axa Assurance Maroc
Saham Insurance
Sanad Assurance
Atlanta Assurance
Zurich Assurance
Mamda Assurance

Table of Contents

1 Key Facts and Highlights

2 Executive Summary

3 Economy and Demographics

4 Moroccan Insurance Industry Overview

4.1 The Moroccan Insurance Industry

5 Life Insurance

6 Non-Life Insurance

6.1 Property Insurance

6.2 Motor Insurance

6.3 Liability Insurance

6.4 Marine, Aviation and Transit Insurance

7 Personal Accident and Health Insurance

7.1 Personal Accident Insurance

7.2 Health Insurance

8 Reinsurance

9 Natural and Man-made Hazards

9.1 Droughts

9.2 Floods

9.3 Earthquake

9.4 Exposure

10 Distribution Channel Outlook

11 Competitive Landscape

11.1 Overview

11.2 Leading Companies

11.2.1 RMA Watanya – company overview

11.2.2 Axa Assurance Maroc SA – company overview

11.2.3 Saham Assurance SA – company overview

11.2.4 Wafa Assurance SA – company overview

11.2.5 Sanad SA – company overview

11.2.6 Zurich Assurances Maroc – company overview

11.2.7 Atlanta Assurance– company overview

12 Governance, Risk and Compliance

12.1 Legislation Overview and Historical Evolution

12.2 Latest Changes in Regulations

12.3 Legislation and Market Practice by Type of Insurance

12.3.1 Life insurance

12.3.2 Property insurance

12.3.3 Motor insurance

12.3.4 Liability insurance

12.3.5 Marine, aviation and transit insurance regulations

12.3.6 Personal accident and health insurance regulations

12.4 Compulsory Insurance

12.4.1 Motor third-party liability insurance

12.4.2 Workmen’s compensation insurance

12.5 Supervision and Control

12.5.1 International Association of Insurance Supervisors

12.5.2 African Insurance Organization

12.5.3 Supervisory Authority of Insurance and Social Welfare

12.5.4 Bureau Central Marocain des Sociétés d'assurances

12.6 Non-Admitted Insurance Regulations

12.6.1 Overview

12.6.2 Intermediaries

12.6.3 Market practices

12.6.4 Fines and penalties

12.7 Company Registration and Operations

12.7.1 Types of insurance organization

12.7.2 Establishing a local company

12.7.3 Foreign ownership

12.7.4 Types of license

12.7.5 Capital requirements

12.7.6 Solvency margins

12.7.7 Reserve requirements

12.7.8 Investment regulations

12.7.9 Statutory return requirements

12.7.10 Fee structure

12.8 Taxation

12.8.1 Insurance premium or policy taxation

12.8.2 Withholding taxes on premium paid overseas

12.8.3 Corporate tax

12.8.4 VAT

12.8.5 Captives

12.9 Legal System

12.9.1 Introduction

12.9.2 Access to court

12.9.3 Alternative dispute resolution (ADR)

13 Definitions and Methodology

13.1 Definitions

13.2 Methodology

14 About GlobalData

14.1 Contact GlobalData

14.2 About GlobalData

14.3 GlobalData’s Services

14.4 Disclaimer

Table

Table 1: Moroccan Insurance Industry – Key Facts

Table 2: Moroccan Government Credit Ratings

Table 3: Moroccan Insurance – Gross Written Premium by Segment (MAD Billion), 2010–2014

Table 4: Moroccan Insurance – Gross Written Premium by Segment (US$ Billion), 2010–2014

Table 5: Moroccan Insurance – Gross Written Premium by Segment (MAD Billion), 2014–2019

Table 6: Moroccan Insurance – Gross Written Premium by Segment (US$ Billion), 2014–2019

Table 7: Moroccan Insurance – Segmentation by Gross Written Premium (% Share), 2010–2019

Table 8: Moroccan Insurance – Direct Written Premium by Segment (MAD Billion), 2010–2014

Table 9: Moroccan Insurance – Direct Written Premium by Segment (US$ Billion), 2010–2014

Table 10: Moroccan Insurance – Direct Written Premium by Segment (MAD Billion), 2014–2019

Table 11: Moroccan Insurance – Direct Written Premium by Segment (US$ Billion), 2014–2019

Table 12: Moroccan Insurance Segmentation by Direct Written Premium (Percentage Share), 2010–2019

Table 13: Moroccan Life Insurance – Gross Written Premium by Sub-Segment (MAD Billion), 2010–2014

Table 14: Moroccan Life Insurance – Gross Written Premium by Sub-Segment (US$ Million), 2010–2014

Table 15: Moroccan Life Insurance – Gross Written Premium by Sub-Segment (MAD Billion), 2014–2019

Table 16: Moroccan Life Insurance – Gross Written Premium by Sub-Segment (US$ Million), 2014–2019

Table 17: Moroccan Life Insurance Segmentation by Gross Written Premium (% Share), 2010–2019

Table 18: Moroccan Life Insurance – Direct Written Premium by Sub-Segment (MAD Billion), 2010–2014

Table 19: Moroccan Life Insurance – Direct Written Premium by Sub-Segment (US$ Million), 2010–2014

Table 20: Moroccan Life Insurance – Direct Written Premium by Sub-Segment (MAD Billion), 2014–2019

Table 21: Moroccan Life Insurance – Direct Written Premium by Sub-Segment (US$ Million), 2014–2019

Table 22: Moroccan Life Insurance Segmentation by Direct Written Premium (% Share), 2010–2019

Table 23: Moroccan Individual Life Insurance – Gross Written Premium by Category (MAD Billion), 2010–2014

Table 24: Moroccan Individual Life Insurance – Gross Written Premium by Category (US$ Million), 2010–2014

Table 25: Moroccan Individual Life Insurance – Gross Written Premium by Category (MAD Billion), 2014–2019

Table 26: Moroccan Individual Life Insurance – Gross Written Premium by Category (US$ Million), 2014–2019

Table 27: Moroccan Individual Life Insurance – Direct Written Premium by Category (MAD Billion), 2010–2014

Table 28: Moroccan Individual Life Insurance – Direct Written Premium by Category (US$ Million), 2010–2014

Table 29: Moroccan Individual Life Insurance – Direct Written Premium by Category (MAD Billion), 2014–2019

Table 30: Moroccan Individual Life Insurance – Direct Written Premium by Category (US$ Million), 2014–2019

Table 31: Moroccan Group Life Insurance – Gross Written Premium by Category (MAD Billion), 2010–2014

Table 32: Moroccan Group Life Insurance – Gross Written Premium by Category (US$ Million), 2010–2014

Table 33: Moroccan Group Life Insurance – Gross Written Premium by Category (MAD Billion), 2014–2019

Table 34: Moroccan Group Life Insurance – Gross Written Premium by Category (US$ Million), 2014–2019

Table 35: Moroccan Group Life Insurance – Direct Written Premium by Category (MAD Billion), 2010–2014

Table 36: Moroccan Group Life Insurance – Direct Written Premium by Category (US$ Million), 2010–2014

Table 37: Moroccan Group Life Insurance – Direct Written Premium by Category (MAD Billion), 2014–2019

Table 38: Moroccan Group Life Insurance – Direct Written Premium by Category (US$ Million), 2014–2019

Table 39: Moroccan Life Insurance – Paid Claims (MAD Billion), 2010–2014

Table 40: Moroccan Life Insurance – Paid Claims (MAD Billion), 2014–2019

Table 41: Moroccan Life Insurance – Incurred Loss (MAD Billion), 2010–2014

Table 42: Moroccan Life Insurance – Incurred Loss (MAD Billion), 2014–2019

Table 43: Moroccan Life Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2010–2014

Table 44: Moroccan Life Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2014–2019

Table 45: Moroccan Life Insurance – Total Assets (MAD Billion), 2010–2014

Table 46: Moroccan Life Insurance – Total Assets (MAD Billion), 2014–2019

Table 47: Moroccan Life Insurance – Total Investment Income (MAD Billion), 2010–2014

Table 48: Moroccan Life Insurance – Total Investment Income (MAD Billion), 2014–2019

Table 49: Moroccan Life Insurance – Net Written Premium (MAD Billion), 2010–2014

Table 50: Moroccan Life Insurance – Net Written Premium (MAD Billion), 2014–2019

Table 51: Moroccan Individual Whole Life Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 52: Moroccan Individual Whole Life Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 53: Moroccan Individual Pension Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 54: Moroccan Individual Pension Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 55: Moroccan Individual Endowment Insurance – Gross Written Premium (MAD Million), 2010–2014

Table 56: Moroccan Individual Endowment Insurance – Gross Written Premium (MAD Million), 2014–2019

Table 57: Moroccan Individual Others Insurance – Gross Written Premium (MAD Million), 2010–2014

Table 58: Moroccan Individual Others Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 59: Moroccan Group Whole Life Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 60: Moroccan Group Whole Life Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 61: Moroccan Group Superannuation Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 62: Moroccan Group Superannuation Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 63: Moroccan Group Others Insurance – Gross Written Premium (MAD Million), 2010–2014

Table 64: Moroccan Group Others Insurance – Gross Written Premium (MAD Million), 2014–2019

Table 65: Moroccan Non-Life Insurance – Gross Written Premium by Category (MAD Billion), 2010–2014

Table 66: Moroccan Non-Life Insurance – Gross Written Premium by Category (US$ Million), 2010–2014

Table 67: Moroccan Non-Life Insurance – Gross Written Premium by Category (MAD Billion), 2014–2019

Table 68: Moroccan Non-Life Insurance – Gross Written Premium by Category (US$ Million), 2014–2019

Table 69: Moroccan Non-Life Insurance – Direct Written Premium by Category (MAD Billion), 2010–2014

Table 70: Moroccan Non-Life Insurance – Direct Written Premium by Category (US$ Million), 2010–2014

Table 71: Moroccan Non-Life Insurance – Direct Written Premium by Category (MAD Billion), 2014–2019

Table 72: Moroccan Non-Life Insurance – Direct Written Premium by Category (US$ Million), 2014–2019

Table 73: Moroccan Non-Life Insurance – Paid Claims (MAD Billion), 2010–2014

Table 74: Moroccan Non-Life Insurance – Paid Claims (MAD Billion), 2014–2019

Table 75: Moroccan Non-Life Insurance – Incurred Loss (MAD Billion), 2010–2014

Table 76: Moroccan Non-Life Insurance – Incurred Loss (MAD Billion), 2014–2019

Table 77: Moroccan Non-Life Insurance – Loss Ratio (%), 2010–2014

Table 78: Moroccan Non-Life Insurance – Loss Ratio (%), 2014–2019

Table 79: Moroccan Non-Life Insurance – Combined Ratio (%), 2010–2014

Table 80: Moroccan Non-Life Insurance – Combined Ratio (%), 2014–2019

Table 81: Moroccan Non-Life Insurance – Total Assets (MAD Billion), 2010–2014

Table 82: Moroccan Non-Life Insurance – Total Assets (MAD Billion), 2014–2019

Table 83: Moroccan Non-Life Insurance – Total Investment Income (MAD Billion), 2010–2014

Table 84: Moroccan Non-Life Insurance – Total Investment Income (MAD Billion), 2014–2019

Table 85: Moroccan Non-Life Insurance – Net Written Premium (MAD Billion), 2010–2014

Table 86: Moroccan Non-Life Insurance – Net Written Premium (MAD Billion), 2014–2019

Table 87: Moroccan Property Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 88: Moroccan Property Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 89: Moroccan Motor Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 90: Moroccan Motor Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 91: Moroccan Liability Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 92: Moroccan Liability Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 93: Moroccan Marine, Aviation and Transit Insurance – Gross Written Premium (MAD Million), 2010–2014

Table 94: Moroccan Marine, Aviation and Transit Insurance – Gross Written Premium (MAD Million), 2014–2019

Table 95: Moroccan Personal Accident and Health Insurance – Gross Written Premium by Category (MAD Billion), 2010–2014

Table 96: Moroccan Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2010–2014

Table 97: Moroccan Personal Accident and Health Insurance – Gross Written Premium by Category (MAD Billion), 2014–2019

Table 98: Moroccan Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2014–2019

Table 99: Moroccan Personal Accident and Health Insurance – Direct Written Premium by Category (MAD Billion), 2010–2014

Table 100: Moroccan Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2010–2014

Table 101: Moroccan Personal Accident and Health Insurance – Direct Written Premium by Category (MAD Billion), 2014–2019

Table 102: Moroccan Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2014–2019

Table 103: Moroccan Personal Accident and Health Insurance – Paid Claims (MAD Billion), 2010–2014

Table 104: Moroccan Personal Accident and Health Insurance – Paid Claims (MAD Billion), 2014–2019

Table 105: Moroccan Personal Accident and Health Insurance – Incurred Loss (MAD Billion), 2010–2014

Table 106: Moroccan Personal Accident and Health Insurance – Incurred Loss (MAD Billion), 2014–2019

Table 107: Moroccan Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014

Table 108: Moroccan Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019

Table 109: Moroccan Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014

Table 110: Moroccan Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019

Table 111: Moroccan Personal Accident and Health Insurance – Total Assets (MAD Billion), 2010–2014

Table 112: Moroccan Personal Accident and Health Insurance – Total Assets (MAD Billion), 2014–2019

Table 113: Moroccan Personal Accident and Health Insurance – Total Investment Income (MAD Million), 2010–2014

Table 114: Moroccan Personal Accident and Health Insurance – Total Investment Income (MAD Million), 2014–2019

Table 115: Moroccan Personal Accident and Health Insurance – Net Written Premium (MAD Billion), 2010–2014

Table 116: Moroccan Personal Accident and Health Insurance – Net Written Premium (MAD Billion), 2014–2019

Table 117: Moroccan Personal Accident Insurance – Gross Written Premium (MAD Million), 2010–2014

Table 118: Moroccan Personal Accident Insurance – Gross Written Premium (MAD Million), 2014–2019

Table 119: Moroccan Health Insurance – Gross Written Premium (MAD Billion), 2010–2014

Table 120: Moroccan Health Insurance – Gross Written Premium (MAD Billion), 2014–2019

Table 121: Moroccan Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (MAD Billion), 2010–2014

Table 122: Moroccan Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2010–2014

Table 123: Moroccan Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (MAD Billion), 2014–2019

Table 124: Moroccan Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2014–2019

Table 125: Moroccan Life Insurance – % of Premium Ceded (Excluding Retrocession), 2010–2014

Table 126: Moroccan Life Insurance – % of Premium Ceded (Excluding Retrocession), 2014–2019

Table 127: Moroccan Non-Life Insurance – % of Premium Ceded (Excluding Retrocession), 2010–2014

Table 128: Moroccan Non-Life Insurance – % of Premium Ceded (Excluding Retrocession), 2014–2019

Table 129: Moroccan Personal Accident and Health Insurance – % of Premium Ceded (Excluding Retrocession), 2010–2014

Table 130: Moroccan Personal Accident and Health Insurance – % of Premium Ceded (Excluding Retrocession), 2014–2019

Table 131: Moroccan Economic Loss by Hazard, 1990–2014

Table 132: Moroccan Average Annual Loss by Hazard, 1990–2014

Table 133: Moroccan Life and Non-Life Insurance Companies, 2014

Table 134: RMA Watanya – Key Facts

Table 135: Axa Assurance Maroc SA – Key Facts

Table 136: Saham Assurance SA – Key Facts

Table 137: Wafa Assurance SA – Key Facts

Table 138: Sanad SA – Key Facts

Table 139: Zurich Assurances Maroc – Key Facts

Table 140: Atlanta Assurance – Key Facts

Table 141: Morocco – Insurance Regulatory Framework Key Features

Table 142: Morocco – Life Insurance Regulatory Framework

Table 143: Morocco – Property Insurance Regulatory Framework

Table 144: Morocco – Motor Insurance Regulatory Framework

Table 145: Morocco – Liability Insurance Regulatory Framework

Table 146: Morocco – Corporate Tax Rates for the Financial Year 2015

Table 147: Insurance Industry Definitions

Figures

Figure 1: Moroccan Real GDP (US$ Billion), 2010–2019

Figure 2: Moroccan Consumer Price Inflation, 2010–2019

Figure 3: MAD–US$ Exchange Rate, 2010–2019

Figure 4: Moroccan Unemployment Rate as a Percentage of the Total Labor Force (%), 2010–2019

Figure 5: Moroccan Population by Age Group, 1991–2025

Figure 6: Moroccan Insurance – Gross Written Premium by Segment (MAD Billion), 2010–2019

Figure 7: Moroccan Insurance – Gross Written Premium Market Dynamics by Segment, 2010–2019

Figure 8: Moroccan Insurance – Direct Written Premium by Segment (MAD Billion), 2010–2019

Figure 9: Moroccan Insurance Direct Written Premium Market Dynamics by Segment, 2010–2019

Figure 10: Moroccan Life Insurance – Gross Written Premium by Sub-Segment (MAD Billion), 2010–2019

Figure 11: Moroccan Life Insurance – Gross Written Premium Dynamics by Sub-Segment, 2010–2019

Figure 12: Moroccan Life Insurance – Direct Written Premium by Sub-Segment (MAD Billion), 2010–2019

Figure 13: Moroccan Life Insurance – Direct Written Premium Dynamics by Sub-Segment, 2010–2019

Figure 14: Moroccan Individual Life Insurance – Gross Written Premium by Category (MAD Billion), 2010–2019

Figure 15: Moroccan Individual Life Insurance – Gross Written Premium Dynamics by Category, 2010–2019

Figure 16: Moroccan Individual Life Insurance – Direct Written Premium by Category (MAD Billion), 2010–2019

Figure 17: Moroccan Individual Life Insurance – Direct Written Premium Dynamics by Category, 2010–2019

Figure 18: Moroccan Group Life Insurance – Gross Written Premium by Category (MAD Billion), 2010–2019

Figure 19: Moroccan Group Life Insurance – Gross Written Premium by Category (% Share), 2014 and 2019

Figure 20: Moroccan Group Life Insurance – Gross Written Premium Dynamics by Category, 2010–2019

Figure 21: Moroccan Group Life Insurance – Direct Written Premium by Category (MAD Billion), 2010–2019

Figure 22: Moroccan Group Life Insurance – Direct Written Premium by Category (% Share), 2014 and 2019

Figure 23: Moroccan Group Life Insurance – Direct Written Premium Dynamics by Category, 2010–2019

Figure 24: Moroccan Life Insurance – Paid Claims (MAD Billion), 2010–2014

Figure 25: Moroccan Life Insurance – Paid Claims (MAD Billion), 2014–2019

Figure 26: Moroccan Life Insurance – Incurred Loss (MAD Billion), 2010–2014

Figure 27: Moroccan Life Insurance – Incurred Loss (MAD Billion), 2014–2019

Figure 28: Moroccan Life Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2010–2014

Figure 29: Moroccan Life Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2014–2019

Figure 30: Moroccan Life Insurance – Total Assets (MAD Billion), 2010–2014

Figure 31: Moroccan Life Insurance – Total Assets (MAD Billion), 2014–2019

Figure 32: Moroccan Life Insurance – Total Investment Income (MAD Billion), 2010–2014

Figure 33: Moroccan Life Insurance – Total Investment Income (MAD Billion), 2014–2019

Figure 34: Moroccan Life Insurance – Net Written Premium (MAD Billion), 2010–2014

Figure 35: Moroccan Life Insurance – Net Written Premium (MAD Billion), 2014–2019

Figure 36: Moroccan Life Insurance – Total Investment (MAD Billion), 2010–2014

Figure 37: Moroccan Life Insurance – Penetration (%), 2010–2014

Figure 38: Moroccan Life Insurance – Direct Premium per Capita (MAD), 2010–2014

Figure 39: Moroccan Individual Whole Life Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 40: Moroccan Individual Whole Life Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 41: Moroccan Individual Pension Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 42: Moroccan Individual Pension Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 43: Moroccan Individual Endowment Insurance – Gross Written Premium (MAD Million), 2010–2014

Figure 44: Moroccan Individual Endowment Insurance – Gross Written Premium (MAD Million), 2014–2019

Figure 45: Moroccan Individual Others Insurance – Gross Written Premium (MAD Million), 2010–2014

Figure 46: Moroccan Individual Others Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 47: Moroccan Group Whole Life Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 48: Moroccan Group Whole Life Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 49: Moroccan Group Superannuation Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 50: Moroccan Group Superannuation Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 51: Moroccan Group Others Insurance – Gross Written Premium (MAD Million), 2010–2014

Figure 52: Moroccan Group Others Insurance – Gross Written Premium (MAD Million), 2014–2019

Figure 53: Moroccan Non-Life Insurance – Gross Written Premium by Category (MAD Billion), 2010–2019

Figure 54: Moroccan Non-Life Insurance – Gross Written Premium by Category (%), 2014 and 2019

Figure 55: Moroccan Non-Life Insurance – Gross Written Premium Dynamics by Category, 2010–2019

Figure 56: Moroccan Non-Life Insurance – Direct Written Premium by Category (MAD Billion), 2010–2019

Figure 57: Moroccan Non-Life Insurance – Direct Written Premium by Category (%), 2014 and 2019

Figure 58: Moroccan Non-Life Insurance – Direct Written Premium Dynamics by Category, 2010–2019

Figure 59: Moroccan Non-Life Insurance – Paid Claims (MAD Billion), 2010–2014

Figure 60: Moroccan Non-Life Insurance – Paid Claims (MAD Billion), 2014–2019

Figure 61: Moroccan Non-Life Insurance – Incurred Loss (MAD Billion), 2010–2014

Figure 62: Moroccan Non-Life Insurance – Incurred Loss (MAD Billion), 2014–2019

Figure 63: Moroccan Non-Life Insurance – Loss Ratio (%), 2010–2014

Figure 64: Moroccan Non-Life Insurance – Loss Ratio (%), 2014–2019

Figure 65: Moroccan Non-Life Insurance – Combined Ratio (%), 2010–2014

Figure 66: Moroccan Non-Life Insurance – Combined Ratio (%), 2014–2019

Figure 67: Moroccan Non-Life Insurance – Total Assets (MAD Billion), 2010–2014

Figure 68: Moroccan Non-Life Insurance – Total Assets (MAD Billion), 2014–2019

Figure 69: Moroccan Non-Life Insurance – Total Investment Income (MAD Billion), 2010–2014

Figure 70: Moroccan Non-Life Insurance – Total Investment Income (MAD Billion), 2014–2019

Figure 71: Moroccan Non-Life Insurance – Net Written Premium (MAD Billion), 2010–2014

Figure 72: Moroccan Non-Life Insurance – Net Written Premium (MAD Billion), 2014–2019

Figure 73: Moroccan Non-Life Insurance – Total Investment (MAD Billion), 2010–2014

Figure 74: Moroccan Non-Life Insurance – Penetration (%), 2010–2014

Figure 75: Moroccan Non-Life Insurance Density (Direct Premium per Capita) (MAD), 2010–2014

Figure 76: Moroccan Property Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 77: Moroccan Property Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 78: Moroccan Motor Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 79: Moroccan Motor Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 80: Moroccan Liability Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 81: Moroccan Liability Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 82: Moroccan Marine, Aviation and Transit Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 83: Moroccan Marine, Aviation and Transit Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 84: Moroccan Personal Accident and Health Insurance – Gross Written Premium by Category (MAD Billion), 2010–2019

Figure 85: Moroccan Personal Accident and Health Insurance – Gross Written Premium by Category (%), 2014 and 2019

Figure 86: Moroccan Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2010–2019

Figure 87: Moroccan Personal Accident and Health Insurance – Direct Written Premium by Category (MAD Billion), 2010–2019

Figure 88: Moroccan Personal Accident and Health Insurance – Direct Written Premium by Category (%), 2014 and 2019

Figure 89: Moroccan Personal Accident and Health Insurance – Direct Written Premium Dynamics by Category, 2010–2019

Figure 90: Moroccan Personal Accident and Health Insurance – Paid Claims by Category (MAD Billion), 2010–2014

Figure 91: Moroccan Personal Accident and Health Insurance – Paid Claims (MAD Billion), 2014–2019

Figure 92: Moroccan Personal Accident and Health Insurance – Incurred Loss (MAD Billion), 2010–2014

Figure 93: Moroccan Personal Accident and Health Insurance – Incurred Loss (MAD Billion), 2014–2019

Figure 94: Moroccan Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014

Figure 95: Moroccan Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019

Figure 96: Moroccan Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014

Figure 97: Moroccan Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019

Figure 98: Moroccan Personal Accident and Health Insurance – Total Assets (MAD Billion), 2010–2014

Figure 99: Moroccan Personal Accident and Health Insurance – Total Assets (MAD Billion), 2014–2019

Figure 100: Moroccan Personal Accident and Health Insurance – Total Investment Income (MAD Million), 2010–2014

Figure 101: Moroccan Personal Accident and Health Insurance – Total Investment Income (MAD Million), 2014–2019

Figure 102: Moroccan Personal Accident and Health Insurance – Net Written Premium (MAD Billion), 2010–2014

Figure 103: Moroccan Personal Accident and Health Insurance – Net Written Premium (MAD Billion), 2014–2019

Figure 104: Moroccan Personal Accident and Health Insurance – Total Investment (MAD Billion), 2010–2014

Figure 105: Moroccan Personal Accident and Health Insurance – Penetration (%), 2010–2014

Figure 106: Moroccan Personal Accident and Health Insurance Density (Direct Premium per Capita) (MAD), 2010–2014

Figure 107: Moroccan Personal Accident Insurance – Gross Written Premium (MAD Million), 2010–2014

Figure 108: Moroccan Personal Accident Insurance – Gross Written Premium (MAD Million), 2014–2019

Figure 109: Moroccan Health Insurance – Gross Written Premium (MAD Billion), 2010–2014

Figure 110: Moroccan Health Insurance – Gross Written Premium (MAD Billion), 2014–2019

Figure 111: Moroccan Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (MAD Billion), 2010–2019

Figure 112: Moroccan Reinsurance – Dynamics by Insurance Segment, 2010–2019

Figure 113: Moroccan Life Insurance – % of Premium Ceded (Excluding Retrocession), 2010–2014

Figure 114: Moroccan Life Insurance – % of Premium Ceded (Excluding Retrocession), 2014–2019

Figure 115: Moroccan Non-Life Insurance – % of Premium Ceded (Excluding Retrocession), 2010–2014

Figure 116: Moroccan Non-Life Insurance – % of Premium Ceded (Excluding Retrocession), 2014–2019

Figure 117: Moroccan Personal Accident and Health Insurance – % of Premium Ceded (Excluding Retrocession), 2010–2014

Figure 118: Moroccan Personal Accident and Health Insurance – % of Reinsurance Ceded (%), 2014–2019

Figure 119: Moroccan Frequency of Hazards by Type, 1990–2014

Figure 120: Moroccan Economic Losses Caused by Hazards by Type, 1990–2014

Figure 121: Morocco – Insurance Supervision and Control at Various Levels

Figure 122: Morocco – Insurance Regulatory Frameworks for Company Registration and Operation

Frequently asked questions

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