Netherlands, The

Life Report

Product Insurance Market Reports Life Rev Netherlands

Key Highlights

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  • Key insights and explanations of market developments in life insurance, healthcare and pensions
  • Details The Netherlands' insurance, social security, pensions and healthcare regulatory framework and company and personal tax considerations
  • Current legislation and upcoming changes
  • The latest developments in The Netherlands' economic and political environment
  • Demographic information
  • Market statistics and company performance

Report Overview

Independent strategic insight, line of business detail, regulatory information & market data for the non-life (P&C) insurance market of The Netherlands

The Netherlands life and benefits market report provides a comprehensive, impartial analysis of the life insurance market of the Netherlands. Information extends to extensive detail on healthcare (public and private), pensions and benefits, and social security. Specialist researchers visit the Netherlands and interview local professionals working across the local market. The report is updated with new information and data regularly throughout the cycle of country visits.

The report provides information about the Netherlands’s demographic profile and assesses its economic, political, climate, operational, and security risks. Key data on the investment environment in the Netherlands is available.

Axco’s report describes the regulatory framework that applies to the Dutch domestic life insurance sector, including whether non-admitted insurance is permitted in the Netherlands; as well as the legislation necessary to know regarding healthcare, pensions and social security.

Statistics include five years of life insurance market performance indicators, including gross written premiums, premium growth and penetration rates. Company statistics show who are the leading life insurance companies in the Netherlands with local life insurance company premiums, market share and year on year growth.

Life Insurance

Axco provides details on the life insurance sector including Dutch market participants, reinsurance and distribution channels. The reports describe classes of business from both individual and group life such as whole life, endowment, term life and unit-linked.
Information on non-life classes for example critical illness and private medical insurance.


The report describes the public and private healthcare system in The Netherlands, the scope of cover, accessibility financing and provides an analysis of how the public and private systems complement each other.


Axco reports on the three pillars of The Netherlands' pension provision.

  • State pension benefits including benefit calculations and eligibility criteria 
  • Workplace pension provision; types of schemes calculations eligibility and; tax implications
  • Voluntary individual pension provision, type of products and tax implications

Social Security

The Netherlands report provides an in-depth analysis of the regulatory framework governing social security as well as details on financing and eligibility. Information includes but is not limited to

  • state pensions,
  • permanent disability benefit
  • occupational accident and disease
  • maternity and paternity payments 

The Netherlands Life and Benefits Report Extract

Below are brief extracts of information from the Netherlands Life & Benefits Report; more updated information may be available in the latest published report.

Life Insurance

The Netherlands has a mature insurance market and ageing population. Life market premium (excluding PA and healthcare) increased by 2.65% in 2019. The individual market was historically slightly larger than the group market, although individual business is declining with consolidators purchasing closed books of business. The ongoing trend is towards market consolidation. The top 10 insurers accounted for just over 88% of life market premium in 2019 ....


The Netherlands has a three-pillar pension system, with: a universal state pension representing pillar I ; occupational pensions pillar II ; private pensions representing pillar III.

The Dutch system provides one of the highest levels of income in retirement in the world, although its sustainability is a topic for pension reform. Saving is incentivised ....


The Dutch healthcare system is often rated as one of the best systems in the world, with compulsory basic PMI providing for universal coverage.

The Dutch PMI market is the largest in Europe and now the third largest in the world (behind the US and China). PMI is provided by insurers, with the majority of the market being controlled by three large companies or groups. The market is competitive, subject to the competition authority, the Netherlands Authority for Consumers and Markets ....

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