“• The Danish personal accident and health segment’s gross written premium increased at a review-period CAGR of 6.3%.
• Increasing public awareness of the benefits of health insurance, and rising middle-class disposable incomes drove the segment’s growth.
• Personal accident insurance was the largest category, with 61.9% of the segment’s direct written premium in 2014.
• The Danish personal accident and health segment is concentrated, with the 10 leading companies accounting for 79.0% of the total direct written premium generated in 2014.
• Solvency II is expected to be implemented in January 2016. ”
“1 Key Facts and Highlights
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Economy and Demographics
5 Personal Accident and Health Insurance Segment Outlook
5.1 Key Drivers
5.2 Key Trends
5.3 Challenges
5.4 Personal Accident and Health Insurance Growth Prospects by Category
5.4.1 Personal accident insurance
5.4.2 Travel insurance
5.4.3 Non-life health insurance
5.4.4 Life health insurance
6 Analysis by Distribution Channel
7 Competitive Landscape and Strategic Insights
7.1 Overview
7.2 Leading Companies in the Danish Personal Accident and Health Insurance Segment
7.2.1 Codan Forsikring A/S – company overview
7.2.2 Sygeforsikringen “Danmark†– company overview
7.2.3 Tryg Forsikring A/S – company overview
7.2.4 PFA Pension Forsikrings A/S – company overview
7.2.5 Danica Pension, Livsforsikrings A/S – company overview
7.2.6 Topdanmark Forsikring A/S – company overview
7.2.7 Industriens Pensionsforsikring A/S – company overview
7.2.8 Topdanmark Livsforsikring A/S – company overview
7.2.9 Alm. Brand Forsikring A/S – company overview
7.2.10 LB Forsikring A/S – company overview
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Latest Changes in Regulations
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 insurance
8.4.2 Air carriers and aircraft operators insurance
8.4.3 Workmen’s compensation insurance
8.4.4 Professional indemnity insurance for alternative investment fund managers
8.4.5 Third-party liability insurance for dogs
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 Danish Financial Supervisory Authority (DFSA)
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 Types 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 margins
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 (ADR)
9 Appendix
9.1 Methodology
9.2 Contact Timetric
9.3 About Timetric
9.4 Timetric’s Services
9.5 Disclaimer”
“Table 1: Danish Personal Accident and Health Insurance – Key Facts, 2014
Table 2: Insurance Industry Definitions
Table 3: Danish Government Credit Ratings, 2015*
Table 4: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (DKK Billion), 2010–2014
Table 5: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2010–2014
Table 6: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (DKK Billion), 2014–2019
Table 7: Danish Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2014–2019
Table 8: Danish Personal Accident and Health Insurance – Net Earned Premium (DKK Billion), 2010–2014
Table 9: Danish Personal Accident and Health Insurance – Net Earned Premium (DKK Billion), 2014–2019
Table 10: Danish Personal Accident and Health Insurance – Incurred Loss by Category (DKK Billion), 2010–2014
Table 11: Danish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2010–2014
Table 12: Danish Personal Accident and Health Insurance – Incurred Loss by Category (DKK Billion), 2014–2019
Table 13: Danish Personal Accident and Health Insurance – Incurred Loss by Category (US$ Billion), 2014–2019
Table 14: Danish Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014
Table 15: Danish Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019
Table 16: Danish Personal Accident and Health Insurance – Commission and Expenses (DKK Billion), 2010–2014
Table 17: Danish Personal Accident and Health Insurance – Commission and Expenses (DKK Billion), 2014–2019
Table 18: Danish Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014
Table 19: Danish Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019
Table 20: Danish Personal Accident and Health Insurance – Total Assets (DKK Billion), 2010–2014
Table 21: Danish Personal Accident and Health Insurance – Total Assets (DKK Billion), 2014–2019
Table 22: Danish Personal Accident and Health Insurance – Total Investment Income (DKK Billion), 2010–2014
Table 23: Danish Personal Accident and Health Insurance – Total Investment Income (DKK Billion), 2014–2019
Table 24: Danish Personal Accident and Health Insurance – Net Written Premium (% of GWP), 2010–2014
Table 25: Danish Personal Accident and Health Insurance – Net Written Premium (% of GWP), 2014–2019
Table 26: Danish Personal Accident Insurance – Direct Written Premium (DKK Billion), 2010–2014
Table 27: Danish Personal Accident Insurance – Direct Written Premium (DKK Billion), 2014–2019
Table 28: Danish Personal Accident Insurance – Loss Ratio (%), 2010–2014
Table 29: Danish Personal Accident Insurance – Loss Ratio (%), 2014–2019
Table 30: Danish Travel Insurance – Direct Written Premium (DKK Billion), 2010–2014
Table 31: Danish Travel Insurance – Direct Written Premium (DKK Billion), 2014–2019
Table 32: Danish Travel Insurance – Loss Ratio (%), 2010–2014
Table 33: Danish Travel Insurance – Loss Ratio (%), 2014–2019
Table 34: Danish Non-Life Health Insurance – Direct Written Premium (DKK Billion), 2010–2014
Table 35: Danish Non-Life Health Insurance – Direct Written Premium (DKK Billion), 2014–2019
Table 36: Danish Non-Life Health Insurance – Loss Ratio (%), 2010–2014
Table 37: Danish Non-Life Health Insurance – Loss Ratio (%), 2014–2019
Table 38: Danish Life Health Insurance – Direct Written Premium (DKK Billion), 2010–2014
Table 39: Danish Life Health Insurance – Direct Written Premium (DKK Billion), 2014–2019
Table 40: Danish Life Health Insurance – Loss Ratio (%), 2010–2014
Table 41: Danish Life Health Insurance – Loss Ratio (%), 2014–2019
Table 42: Danish Personal Accident and Health Insurance – Segment Shares (%), 2014
Table 43: Codan Forsikring A/S, Key Facts
Table 44: Sygeforsikringen “Danmarkâ€, Key Facts
Table 45: Tryg Forsikring A/S, Key Facts
Table 46: PFA Pension Forsikrings A/S, Key Facts
Table 47: Danica Pension, Livsforsikrings A/S, Key Facts
Table 48: Topdanmark Forsikring A/S, Key Facts
Table 49: Industriens Pensionsforsikring A/S, Key Facts
Table 50: Topdanmark Livsforsikring A/S, Key Facts
Table 51: Alm. Brand Forsikring A/S, Key Facts
Table 52: LB Forsikring A/S, Key Facts
Table 53: Denmark – Insurance Regulatory Framework Key Features
Table 54: Denmark – Life Insurance Regulatory Framework
Table 55: Denmark – Property Insurance Regulatory Framework
Table 56: Denmark – Motor Insurance Regulatory Framework
Table 57: Denmark – Liability Insurance Regulatory Framework
Table 58: Denmark – Minimum Coverage for Aircraft Third-Party Liability per Accident and Aircraft
Table 59: Denmark – Corporate Tax Rates for Financial Year 2015″