::: Insurance Market Report - Life & Benefits :::

Market Developments

Key Facts

General Country Information

History

• Early History

• 20th/21st Century

Geographic Description

• Country Name
• Frontiers and Coastline
• Land Area
• Administration
• Topography
• Climate

Population and Demographic Trends

• Population
• Life Expectancy
• Major Causes of Death
• Language
• Religion

Largest Cities

• Capital
• Other Major Areas/Cities

Politics and The Economy

Government Structure

• Constitution
• Executive/Legislature
• Electoral System
• Local Government

Current Political Situation

• Present Government
• Political Situation
• International Relations

Economy

• Economic Performance
• Gross Domestic Product
• Current Account Balance
• Foreign Exchange Reserves
• Inflation
• Interest Rates
• Employment
• Earnings
• Key Industries
• Exports and Imports

Currency and Exchange Control

• Currency and Exchange Rate
• Exchange Control

Supervision and Control

Legislation

• EU Legislation

• Domestic Life Insurance Legislation
• Domestic Life Insurance - Legislative Update
• Domestic Life Insurance - Projected Legislation
• Life Insurance Legislation
• Life Insurance - Legislative Update
• Life Insurance - Projected Legislation
• Social Security Legislation
• Social Security - Legislative Update
• Social Security - Projected Legislation
• Pensions Legislation
• Pensions - Legislative Update
• Pensions - Projected Legislation
• Healthcare Legislation
• Healthcare - Legislative Update
• Healthcare - Projected Legislation
• Legislative Process
• Compulsory Insurances
• Statutory Tariffs

Supervision

• Life Insurance Supervisory Authority
• Pensions Supervisory Authority
• Healthcare Insurance Supervisory Authority
• Statutory Returns
• Insolvency Regulation
• Consumer Dispute Resolution

Non-Admitted Insurance

• Buyer's Position
• Intermediaries
• Market Practice
• Fines/Penalties

Non-Admitted Reinsurance

• Regulatory Position
• Insurer's Position
• Intermediaries
• Market Practice

Company Registration and Operating Requirements

• Establishing A Local Company
• Types of Insurance Organisation
• Foreign Ownership
• Types of Licence
• Capital Requirements
• Solvency Margins
• Reserve Requirements
• Investment Regulations
• Policy Terms and Conditions

Legal System

• Introduction
• Alternative Dispute Resolution
• Court Cases

Taxation

• Insurance Premium Or Policy Taxes
• Legislative Update
• Withholding Taxes
• Corporation Tax
• Personal Taxation

Insurance Market Overview

Historical Development

• History

The Market Today

• Summary and Trends - Life Insurance
• Summary and Trends - Pensions
• Summary and Trends - Healthcare
• Market Size
• Sums Assured
• New Premiums Written
• Market Penetration

Market Participants

• Summary and Trends
• Privatisation/Deregulation
• State Life Insurance Companies
• Market Structure
• Market Concentration
• Company Changes
• Total Assets
• Investments
• Expense Ratios
• Profitability
• Retentions
• Insurance Associations

Investment Environment

• Summary and Trends
• Stock Market
• Bonds
• Interest Rates
• Other Investments
• Direct Investments

Reinsurance

Local Reinsurance Market

• Summary and Trends
• Local Reinsurance Operating Requirements
• State Reinsurance
• Local Reinsurance Companies
• Company Changes

Local Reinsurance Arrangements

• Summary and Trends
• Regulatory Considerations
• Reinsurance Statistics
• Retentions
• Treaty Reinsurance
• Facultative Reinsurance
• Other Types of Reinsurance
• Distribution

Distribution Channels

• Summary and Trends
• Direct Marketing
• E-Commerce
• Bancassurance
• Direct Sales Force
• Agencies
• Insurance Brokers
• Employee Benefit and/or Actuarial Consultants
• Specialist Independent Financial Advisers
• Other Distribution Channels
• Consumer Protection
• Expatriates
• Intermediaries' Commissions
• Company Changes

Social Security

• Summary and Trends
• Social Security Financing
• Scope of Cover
• Expatriates
• Privatisation
• Contributions
• Old Age Pension
• Survivor's Benefit
• Permanent Disability Benefit
• Short-Term Sickness Benefit
• Occupational Accident and Disease
• Unemployment
• Other Benefits
• Taxation

Healthcare

Overall Healthcare

• Summary and Trends
• Health Indicators
• Healthcare Philosophy

State Healthcare

• Legislation
• Coverage
• Expatriates
• Health Service Financing

Private Healthcare

• Private Healthcare Facilities
• Private Healthcare Costs
• Statistics

Private Medical Insurance (Pmi)

• Summary and Trends
• Legislation
• Healthcare Insurance Supervisory Authority
• Taxation
• Expatriates
• Statistics
• Pmi Providers
• General Pmi Coverage
• Group Pmi
• Individual Pmi
• Pmi Group Rating
• Pmi Individual Rating
• Managed Healthcare
• Pmi Claims Experience
• Major Insurers
• Reinsurance
• Distribution
• Commission

Long-Term Care Insurance

• Summary and Trends
• Statistics
• Benefits
• Financing Long-Term Care
• Rating
• Major Insurers
• Reinsurance
• Distribution
• Commission
• Taxation

Other Healthcare Products

• Hospital Cash Benefit Plans
• Critical Illness Insurance
• Medical Evacuation Insurance

Pension and Employee Benefits

State Pensions

• Summary and Trends
• Contributions
• Benefits
• Taxation

Mandatory and /Or Company Pensions

• Summary and Trends
• Legislation
• Historical Development
• Statistics
• Taxation
• Pension Fund Investments
• Pension Market Structure
• Membership
• Benefit Basis
• Benefit Calculation
• Premiums and Funding Methods
• Contributions From Employers and Employees
• Major Pension Providers
• Distribution

Other Employee Benefits

• Summary and Trends
• Taxation
• Survivors' Pensions
• Group Life Assurance
• Long-Term Disability
• Medical Benefits
• Medical Underwriting Considerations
• Savings Plans
• Additional Employee Benefits
• Flexible Employee Benefit Arrangements
• Major Employee Benefit Providers
• Distribution

Multinational Pooling

• Summary and Trends

Individual Pensions

• Summary and Trends
• Individual Pension Products
• Taxation
• Expatriates
• Statistics
• Major Providers
• Distribution

Individual Life Assurance

• Summary and Trends
• Statistics
• Taxation
• Expatriates
• Premiums
• Bonuses
• Surrenders and Lapses
• Product Summary
• Term Life
• Critical Illness
• Group Credit Life
• Endowment
• Unit-Linked
• Universal Life
• Whole Life
• Annuities
• Other Policy Types
• Medical Underwriting
• Financial Underwriting
• Other Underwriting Considerations
• Major Insurers
• Distribution
• Commission
• Claims

Appendix No 1 - Market Statistics

Insurance Supervisor's Report

• Summary
• Change In Format
• Date of Latest Report

Life Market Totals From Insurance Companies

• Introduction
• Summary Premiums

Life Insurance

• Premiums

Personal Accident and Healthcare

• Introduction
• Premiums and Loss Ratios

Pensions Other Than Through Insurance Companies

• Introduction
• Pension Scheme Statistics

Appendix No 2 - Company Statistics

• Introduction

Insurance Companies

Reinsurance Companies

Pension Companies/Fund Managers

Appendix No 3 - Directory

Industry Organisations

Insurance Companies

Pension Companies/Managers

Reinsurance Companies

Intermediaries

• Insurance Brokers
• Reinsurance Brokers
• Employee Benefit and Actuarial Consultants

Others