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1. Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2017
Synopsis
The report provides in depth market analysis, information and insights into the Austrian personal accident and
health insurance segment, including:
The Austrian personal accident and health insurance segment’s growth prospects by insurance
categories Key trends and drivers for the personal accident and health insurance segment The various
distribution channels in the Austrian personal accident and health insurance segment Detailed competitive
landscape in the personal accident and health insurance segment in Austria A description of the personal
accident and health reinsurance segment in Austria Porter's Five Forces Analysis of the personal accident and
health insurance segment Benchmarking section on the Austrian personal accident and health insurance
segment in comparison to other countries in the category of US$10-40 billion of total gross written premiums
Executive summary
The personal accident and health insurance segment accounted for the lowest market share (16.4%) of the
Austrian insurance industry in 2012. However, in terms of gross written premium, the segment registered
strong growth and posted a review-period CAGR of 3.6%. The travel and healthcare insurance categories
benefited from Austria’s improving macroeconomic factors, proximity with the world’s leading
economies, entry to the EU and growth in the number of inbound and outbound travelers due to commercial
partnerships.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in
Austria:
It provides historical values for Austria's personal accident and health insurance segment for the
report’s 2008-2012 review period and forecast figures for the 2012-2017 forecast period It offers a
detailed analysis of the key sub-segments in Austria's personal accident and health insurance segment, along
with market forecasts until 2017 It covers an exhaustive list of parameters, including written premium,
incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total
investment income and retentions It analyses the various distribution channels for personal accident and health
insurance products in Austria Using Porter’s industry-standard “Five Forces” analysis, it
details the competitive landscape in Austria for the personal accident and health insurance segment It provides
a detailed analysis of the reinsurance segment in Austria and its growth prospects It profiles the top personal
accident and health insurance companies in Austria and outlines the key regulations affecting them
Reasons to buy
Make strategic business decisions using in depth historic and forecast market data related to the Austrian
personal accident and health insurance segment and each category within it Understand the demand-side
dynamics, key market trends and growth opportunities within the Austrian personal accident and health
insurance segment Assess the competitive dynamics in the personal accident and health insurance segment,
along with the reinsurance segment Identify the growth opportunities and market dynamics within key product
categories Gain insights into key regulations governing the Austrian insurance segment and its impact on
Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2017

2. companies and the market's future
Key highlights
The personal accident insurance category grew in written premium value at a review-period CAGR of 4.1%,
and is expected to increase post a forecast-period CAGR of 3.7% Private health insurance is complementary in
Austria and people choose it on the basis that it cover diseases not covered under the statutory system and can
shorten waiting times The Austrian social security system discourages investments in private healthcare
insurance products The increasing number of outbound travelers from Austria and the country’s
improving commercial relationships with neighboring countries is expected to support the growth of the travel
insurance category over the forecast period The Austrian personal accident and health insurance segment is
highly concentrated, with the four leading companies together accounting for 95.7% of the segment’s
total written premiums in 2012
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Regional Market Dynamics
3.1 Overview
3.1.1 Market Trends
3.1.2 Market Size
4 Personal Accident And Health Insurance
4.1 Scale And Penetration
4.1.1 Total Market Gross Written Premium
4.1.2 Premium Per Capita
4.1.3 Personal Accident And Health Insurance Penetration
4.2 Growth
4.2.1 Gross Written Premium
4.2.2 Gross Written Premium Per Capita
4.3 Efficiency And Risk
4.3.1 Loss Ratio
4.3.2 Combined Ratio
4.3.3 Incurred Losses Per Capita
4.3.4 Incurred Losses As A Percentage Of Gdp
Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2017

3. 4.4 Distribution Channels
4.4.1 Direct Marketing
4.4.2 Brokers
4.4.3 Bancassurance
4.4.4 Agencies
5 Austrian Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends And Drivers
6 Personal Accident And Health Insurance Segment Outlook
6.1 Personal Accident And Health Insurance Growth Prospects By Category
6.1.1 Personal Accident
6.1.2 Travel Insurance
6.1.3 Health Insurance
7 Analysis By Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels
8 Porter’s Five Forces Analysis – Austrian Personal Accident And Health Insurance Segment
8.1 Bargaining Power Of Supplier: Low To Medium
8.2 Bargaining Power Of Buyer: Medium
8.3 Barriers To Entry: Medium
8.4 Intensity Of Rivalry: Low To Medium
8.5 Threat Of Substitutes: Medium
9 Reinsurance Growth Dynamics And Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
10 Governance, Risk And Compliance
10.1 Legislation Overview And Historical Evolution
Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2017

4. 10.2 Legislation Trends By Type Of Insurance
10.2.1 Life Insurance Regulatory Trends
10.2.2 Property Insurance Regulatory Trends
10.2.3 Motor Insurance Regulatory Trends
10.2.4 Marine, Aviation And Transit Insurance Regulatory Trends
10.2.5 Personal Accident Insurance Regulatory Trends
10.2.6 Health Insurance Regulatory Trends
10.3 Compulsory Insurance
10.3.1 Motor Vehicle Third-party Liability Insurance
10.3.2 Social Security System
10.4 Supervision And Control
10.4.1 International Association Of Insurance Supervisors (iais)
10.4.2 European Insurance And Occupational Pensions Authority (eiopa)
10.4.3 Financial Market Authority (fma)
10.5 Non-admitted Insurance Regulatory Trends
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market Practices
10.5.4 Fines And Penalties
10.6 Company Registration And Operations
10.6.1 Types Of Insurance Organization
10.6.2 Establishing A Local Company
10.6.3 Foreign Ownership
10.6.4 Types Of License
10.6.5 Capital Requirements
10.6.6 Solvency Margins
10.6.7 Reserve Requirements
10.6.8 Investment Regulations
10.6.9 Statutory Return Requirements
10.6.10 Fee Structure
10.7 Taxation
10.7.1 Insurance Premium Or Policy Taxation
10.7.2 Corporate Tax
10.7.3 Vat
10.7.4 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access To Court
10.8.3 Alternative Dispute Resolution (adr)
11 Competitive Landscape And Strategic Insights
11.1 Overview
Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2017

5. 11.2 Leading Companies In The Austrian Personal Accident And Health Insurance Segment
11.3 Comparison Of The Top Four Personal Accident And Health Insurers
11.3.1 Gross Written Premium
11.3.2 Net Earned Premiums
11.3.3 Gross Claims
11.3.4 Paid Claims
11.3.5 Assets
11.4 Uniqa Österreich Versicherungen Ag – Company Overview
11.4.1 Uniqa Österreich Versicherungen Ag – Key Facts
11.4.2 Uniqa Österreich Versicherungen Ag – Key Financials
11.5 Wiener Städtische Versicherung Ag Vienna Insurance Group – Company Overview
11.5.1 Wiener Städtische Versicherung Ag – Key Facts
11.5.2 Wiener Städtische Versicherung Ag – Key Financials
11.6 Merkur Versicherung Ag – Company Overview
11.6.1 Merkur Versicherung Ag – Key Facts
11.6.2 Merkur Versicherung Ag – Key Financials
11.7 Generali Versicherung Ag – Company Overview
11.7.1 Generali Versicherung Ag – Key Facts
11.7.2 Generali Versicherung Ag – Key Financials
12 Business Environment And Country Risk
12.1 Business Confidence
12.1.1 Market Capitalization Trend – Vienna Stock Exchange, Austria
12.2 Economic Performance
12.2.1 Gdp At Constant Prices (us$)
12.2.2 Gdp Per Capita At Constant Prices (us Dollar)
12.2.3 Gdp At Current Prices (us Dollar)
12.2.4 Gdp Per Capita At Current Prices (us Dollar)
12.2.5 Gdp By Key Segments
12.2.6 Agriculture Net Output At Current Prices (us Dollar)
12.2.7 Agriculture Net Output At Current Prices As A Percentage Of Gdp
12.2.8 Manufacturing Net Output At Current Prices (us$)
12.2.9 Manufacturing Net Output At Current Prices As A Percentage Of Gdp
12.2.10 Mining, Manufacturing And Utilities At Current Prices (us$)
12.2.11 Mining, Manufacturing And Utilities At Current Prices, As Percentage Of Gdp
12.2.12 Construction Net Output At Current Prices, (us$)
12.2.13 Construction Net Output At Current Prices As A Percentage Of Gdp
12.2.14 Inflation Rate
12.2.15 Exports As A Percentage Of Gdp
12.2.16 Imports As A Percentage Of Gdp
12.2.17 Exports Growth
12.2.18 Imports Growth
Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2017

6. 12.2.19 Annual Average Exchange Rate Eur–us$
12.3 Infrastructure Quality And Availability
12.3.1 Commercial Vehicles Exports – Total Value
12.3.2 Commercial Vehicles Imports – Total Value
12.3.3 Automotive Exports – Total Value
12.3.4 Automotive Imports – Total Value
12.3.5 Total Internet Subscribers
12.4 Labor Force
12.4.1 Labor Force
12.4.2 Unemployment Rate
12.5 Demographics
12.5.1 Gross National Disposable Income (us$)
12.5.2 Total Population
12.5.3 Urban And Rural Populations
12.5.4 Median Age Of Population
12.5.5 Age Distribution Of The Total Population
13 Appendix
13.1 Methodology
13.2 Contact Us
13.3 About Timetric
13.4 Disclaimer
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Personal Accident and Health Insurance in Austria, Key Trends and Opportunities to 2017