This report provides an in-depth analysis of the personal accident and health insurance market in Belgium from 2007 to 2016. It finds that the market grew during the review period due to increases in medical costs and tourism. Growth is expected to continue through 2016 despite the country's strong public healthcare system. The report examines market size, trends, distribution channels, competitive landscape, top companies, and regulations. It provides historical data and forecasts segmentation by category, written premiums, claims, losses, and other metrics. Major players like AXA, Ethias, and Allianz are dominant in the Belgian personal accident and health insurance segment.

1. Personal Accident and Health Insurance in Belgium, Key Trends
and Opportunities to 2016
Report Details:
Published:August 2012
No. of Pages: 208
Price: Single User License – US$1950
Synopsis
The report provides in depth market analysis, information and insights into the Belgian personal
accident and health insurance market, including:
•The Belgian personal accident and health insurance market’s growth prospects by personal
accident and health insurance categories
•The various distribution channels in the Belgian personal accident and health insurance market
•The competitive landscape in the personal accident and health insurance market
•A description of the personal accident and health reinsurance market in Belgium
In terms of gross written premium, the Belgian personal accident and health insurance segment
recorded a positive growth rate during the review period. This growth was primarily due to
increases in overall medical expenditure and Belgian outbound tourism. The expansion of the
segment was also supported by positive demographic factors such as increased life expectancy
and the country’s large urban population. Despite Belgium’s strong statutory healthcare scheme
and difficult business conditions, the country’s personal accident and health segment is expected
to continue to grow positively over the forecast period.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance
market in Belgium:
•It provides historical values for the Belgian personal accident and health insurance market for the
review period (2007–2011) and forecast period (2012–2016)
•It offers a detailed analysis of the key sub-segments in the Belgian personal accident and health
insurance market, along with market forecasts until 2016
•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 Belgium
•Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in
Belgian for the personal accident and health insurance business

2. •It provides a detailed analysis of the reinsurance market in Belgium and its growth prospects
•It profiles the top personal accident and health insurance companies in Belgium and outlines the
key regulations affecting them
Key highlights
•The number of outbound tourists from Belgium increased from 8.4 million in 2007 to 10.5 million
in 2011, and is expected to reach 12.7 million by 2016. This significant increase in outbound
tourism was the key growth driver of the travel insurance category during the review period.
•In Belgium, all public, private and self-employed individuals are protected under a public social
security system, under which health insurance is included. Under this system, public and private
employees contribute some proportion of their incomes to a public welfare health insurance fund
named mutuelle/mutualité or ziekenfonds/mutualiteit in order to access the country’s public
healthcare facilities.
•The Belgian government encourages foreign investment through incentives such as a lower
corporate tax structure, national interest deductions, patent income relief, and VAT grouping. In
addition, the country’s policy makers offer a variety of fiscal measures designed to facilitate
investment.
•In addition, the Belgian insurance industry’s high exposure to government bonds could cause
losses for insurance companies over the forecast period, while the increasing losses from frauds
and crimes may negatively impact bottom lines and reduce investor confidence.
•During the review period, Belgium’s unfavorable business and economic conditions forced the
country’s personal accident and health insurance companies to increase their use of channels
with lower marketing and administrative costs.
•A number of multinational insurers, such as AXA, Ergo and Allianz, have significant operations in
Belgium and multinationals collectively dominate the country’s personal accident and health
insurance segment. Moreover, the Belgian government‘s encouragement of FDI, through liberal
regulations, tax reductions, and other fiscal measures, is expected to attract new businesses over
the forecast period.
Reasons to buy
•Make strategic business decisions using in depth historic and forecast market data related to the
Belgian personal accident and health insurance market and each sector within it
•Understand the demand-side dynamics, key market trends and growth opportunities within the
Belgian personal accident and health insurance market
•Assess the competitive dynamics in the personal accident and health insurance market, along
with the reinsurance segment
•Identify the growth opportunities and market dynamics within key product categories
•Gain insights into key regulations governing the Belgian insurance market and its impact on
companies and the market's future
Get your copy of this report @
http://www.reportsnreports.com/reports/190944-personal-accident-and-health-insurance-in-belgium-key-trends-
and-opportunities-to-2016.html

3. Major points covered in Table of Contents of this report include
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Belgian Insurance Industry Attractiveness
3.1 Insurance Industry Market Size, 2007–2016
3.2 Key Industry Trends and Drivers
3.2.1 Business drivers
3.2.2 Consumer drivers
4 Personal Accident and Health Insurance Segment Outlook
4.1 Personal Accident and Health Insurance Growth Prospects by Category
4.1.1 Personal accident insurance category
4.1.2 Travel insurance category
4.1.3 Health insurance category
5 Analysis by Distribution Channels
5.1 Direct Marketing Channel
5.2 Bancassurance Channel
5.3 Agencies Channel
5.4 E-Commerce Channel
5.5 Brokers Channel
5.6 Other Channels
6 Regulatory Policies
7 Porter’s Five Forces Analysis – Belgian Personal Accident and Health Insurance
7.1 Bargaining Power of Supplier: Low to Medium
7.2 Bargaining Power of Buyer: Medium
7.3 Barriers to Entry: Medium
7.4 Intensity of Rivalry: Medium
7.5 Threat of Substitutes: Medium
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance Market Size, 2007–2016
8.2 Reinsurance Market Size by Insurance Segment, 2007–2016
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in Belgian Personal Accident and Health Insurance
9.3 Ethias – Company Overview
9.3.1 Ethias – key facts
9.3.2 Ethias – key financials
9.4 AXA Belgium – Company Overview
9.4.1 AXA Belgium – key facts

4. 9.4.1 AXA Belgium – key financials
9.5 AG Insurance – Company Overview
9.5.1 AG Insurance – key facts
9.5.2 AG Insurance – key financials
9.6 KBC Assurances – Company Overview
9.6.1 KBC Assurances – key facts
9.6.2 KBC Assurances – key financials
9.7 Dexia Insurance Belgium SA – Company Overview
9.7.1 Dexia Insurance Belgium SA – key facts
9.7.2 Dexia Insurance Belgium SA – key financials
9.8 ING Life Belgium – Company Overview
9.8.1 ING Life Belgium – key facts
9.8.2 ING Life Belgium – key financials
9.9 Allianz Belgium – Company Overview
9.9.1 Allianz Belgium – key facts
9.9.2 Allianz Belgium – key financials
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Market capitalization trend – Euronext Brussels, Belgium
10.2 Economic Performance
10.2.1 GDP at constant prices (US dollar)
10.2.2 GDP per capita at constant prices (US dollar)
10.2.3 GDP at current prices (US dollar)
10.2.4 GDP per capita at current prices (US dollar)
10.2.5 GDP by key segments
10.2.6 Agricultural net output at current prices (EUR)
10.2.7 Agricultural net output at current prices (US dollar)
10.2.8 Agricultural net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (EUR)
10.2.10 Manufacturing net output at current prices (US dollar)
10.2.11 Manufacturing net output at current prices as a percentage of GDP
10.2.12 Mining, manufacturing and utilities net output at current prices (EUR)
10.2.13 Mining, manufacturing and utilities at current prices (US dollar)
10.2.14 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.15 Construction net output at current prices (EUR)
10.2.16 Construction net output at current prices, (US dollar)
10.2.17 Construction net output at current prices as a percentage of GDP
10.2.18 Inflation rate
10.2.19 Current account balance as a percentage of GDP
10.2.20 Exports as a percentage of GDP
10.2.21 Imports as a percentage of GDP
10.2.22 Exports growth

5. 10.2.23 Imports growth
10.2.24 Annual average exchange rate US$–EUR
10.2.25 End-of-period exchange rate US$–EUR
10.3 Infrastructure Quality and Availability
10.3.1 Total airports and sea ports
10.3.2 Railways and roadways
10.3.3 Passenger vehicle production volume
10.3.4 Commercial vehicle production volume
10.3.5 Automotive component exports trend
10.3.6 Automotive component imports trend
10.3.7 Passenger car penetration
10.3.8 Healthcare expenditure
10.3.9 Healthcare expenditure as a percentage of GDP
10.3.10 Healthcare expenditure per capita
10.3.11 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Annual disposable income
10.5.2 Annual per capita disposable income
10.5.3 Total population
10.5.4 Urban and rural population
10.5.5 Female percentage of population
10.5.6 Male percentage of population
10.5.7 Mean age of the population
10.5.8 Median age of population
10.5.9 Population density
10.5.10 Age distribution of the total population
10.5.11 Age distribution of the male population
10.5.12 Age distribution of the female population
10.5.13 Number of households
10.6 Political and Social Risk
10.6.1 Political stability
10.6.2 Terrorism index
10.6.3 Transparency index
11 Appendix
11.1 Methodology
11.2 Contact us
11.3 About Timetric
11.4 Disclaimer

6. List of Tables
Table 1: Insurance Industry Definitions
Table 2: Belgian Insurance Overall Written Premium by Segment (EUR Billion), 2007–2011
Table 3: Belgian Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: Belgian Insurance Overall Written Premium by Segment (EUR Billion), 2011–2016
Table 5: Belgian Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: Belgian Insurance Segmentation (% Share), 2007–2016
Table 7: Belgian Personal Accident and Health Insurance Written Premium by Category (EUR
Billion), 2007–2011
Table 8: Belgian Personal Accident and Health Insurance Written Premium by Category (US$
Billion), 2007–2011
Table 9: Belgian Personal Accident and Health Insurance Written Premium by Category (EUR
Billion), 2011–2016
Table 10: Belgian Personal Accident and Health Insurance Written Premium by Category (US$
Billion), 2011–2016
Table 11: Belgian Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2007–2011
Table 12: Belgian Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2011–2016
Table 13: Belgian Personal Accident and Health Insurance – Paid Claims by Category (EUR
Billion), 2007–2011
Table 14: Belgian Personal Accident and Health Insurance – Paid Claims by Category (US$
Billion), 2007–2011
Table 15: Belgian Personal Accident and Health Insurance – Paid Claims by Category (EUR
Billion), 2011–2016
Table 16: Belgian Personal Accident and Health Insurance – Paid Claims by Category (US$
Billion), 2011–2016
Table 17: Belgian Personal Accident and Health Insurance – Incurred Loss by Category (EUR
Billion), 2007–2011
Table 18: Belgian Personal Accident and Health Insurance – Incurred Loss by Category (US$
Billion), 2007–2011
Table 19: Belgian Personal Accident and Health Insurance – Incurred Loss by Category (EUR
Billion), 2011–2016
Table 20: Belgian Personal Accident and Health Insurance – Incurred Loss by Category (US$
Billion), 2011–2016
Table 21: Belgian Personal Accident and Health Insurance – Loss Ratio (%), 2007–2011
Table 22: Belgian Personal Accident and Health Insurance – Loss Ratio (%), 2011–2016
Table 23: Belgian Personal Accident and Health Insurance – Commission and Expenses (EUR
Billion), 2007–2011
Table 24: Belgian Personal Accident and Health Insurance – Commission and Expenses (EUR
Billion), 2011–2016
Table 25: Belgian Personal Accident and Health Insurance – Combined Ratio (%), 2007–2011

7. Table 26: Belgian Personal Accident and Health Insurance – Combined Ratio (%), 2011–2016
Table 27: Belgian Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2007–2011
Table 28: Belgian Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2011–2016
Table 29: Belgian Personal Accident and Health Insurance – Total Assets (EUR Billion),
2007–2011
Table 30: Belgian Personal Accident and Health Insurance – Total Assets (EUR Billion),
2011–2016
Table 31: Belgian Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2007–2011
Table 32: Belgian Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2011–2016
Table 33: Belgian Personal Accident and Health Insurance – Retentions (EUR Billion), 2007–2011
Table 34: Belgian Personal Accident and Health Insurance – Retentions (EUR Billion), 2011–2016
Table 35: Belgian Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2007–2011
Table 36: Belgian Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2011–2016
Table 37: Belgian Personal Accident Insurance Category – Written Premium (EUR Billion),
2007–2011
Table 38: Belgian Personal Accident Insurance Category – Written Premium (EUR Billion),
2011–2016
Table 39: Belgian Personal Accident Insurance Category – Loss Ratio (%), 2007–2011
Table 40: Belgian Personal Accident Insurance Category – Loss Ratio (%), 2011–2016
Table 41: Belgian Travel Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Table 42: Belgian Travel Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Table 43: Belgian Travel Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 44: Belgian Travel Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 45: Belgian Travel Insurance Category – Loss Ratio (%), 2007–2011
Table 46: Belgian Travel Insurance Category – Loss Ratio (%), 2011–2016
Table 47: Belgian Health Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Table 48: Belgian Health Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Table 49: Belgian Health Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 50: Belgian Health Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 51: Belgian Health Insurance Category – Loss Ratio (%), 2007–2011
Table 52: Belgian Health Insurance Category – Loss Ratio (%), 2011–2016
Table 53: Belgian Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2007–2011
Table 54: Belgian Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2011–2016
Table 55: Belgian Personal Accident and Health Insurance – Written Premium Through Direct

8. Marketing (EUR Billion), 2007–2011
Table 56: Belgian Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (EUR Billion), 2011–2016
Table 57: Belgian Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2007–2011
Table 58: Belgian Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2011–2016
Table 59: Belgian Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2007–2011
Table 60: Belgian Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2011–2016
Table 61: Belgian Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2007–2011
Table 62: Belgian Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2011–2016
Table 63: Belgian Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2007–2011
Table 64: Belgian Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2011–2016
Table 65: Belgian Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2007–2011
Table 66: Belgian Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2011–2016
Table 67: Belgian Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2007–2011
Table 68: Belgian Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2011–2016
Table 69: Belgian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR
Billion), 2007–2011
Table 70: Belgian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR
Billion), 2011–2016
Table 71: Belgian Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2007–2011
Table 72: Belgian Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2011–2016
Table 73: Belgian Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2007–2011
Table 74: Belgian Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2011–2016
Table 75: Belgian Personal Accident and Health Insurance – Number of Agencies, 2007–2011
Table 76: Belgian Personal Accident and Health Insurance – Number of Agencies, 2011–2016
Table 77: Belgian Personal Accident and Health Insurance – E-Commerce Commission Paid

9. (EUR Billion), 2007–2011
Table 78: Belgian Personal Accident and Health Insurance – E-Commerce Commission Paid
(EUR Billion), 2011–2016
Table 79: Belgian Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2007–2011
Table 80: Belgian Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2011–2016
Table 81: Belgian Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2007–2011
Table 82: Belgian Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2011–2016
Table 83: Belgian Personal Accident and Health Insurance – Number of E-Commerce Distributors,
2007–2011
Table 84: Belgian Personal Accident and Health Insurance – Number of E-Commerce Distributors,
2011–2016
Table 85: Belgian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2007–2011
Table 86: Belgian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2011–2016
Table 87: Belgian Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2007–2011
Table 88: Belgian Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2011–2016
Table 89: Belgian Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2007–2011
Table 90: Belgian Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2011–2016
Table 91: Belgian Personal Accident and Health Insurance – Number of Brokers, 2007–2011
Table 92: Belgian Personal Accident and Health Insurance – Number of Brokers, 2011–2016
Table 93: Belgian Personal Accident and Health Insurance – Commission Paid to Other Channels
(EUR Billion), 2007–2011
Table 94: Belgian Personal Accident and Health Insurance – Commission Paid to Other Channels
(EUR Billion), 2011–2016
Table 95: Belgian Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2007–2011
Table 96: Belgian Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2011–2016
Table 97: Belgian Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2007–2011
Table 98: Belgian Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2011–2016
Table 99: Belgian Personal Accident and Health Insurance – Number of Distributors in Other

10. Channels, 2007–2011
Table 100: Belgian Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2011–2016
Table 101: Belgian Reinsurance Segment by Category (EUR Billion), 2007–2011
Table 102: Belgian Reinsurance Segment by Category (US$ Billion), 2007–2011
Table 103: Belgian Reinsurance Market by Category (EUR Billion), 2011–2016
Table 104: Belgian Reinsurance Market by Category (US$ Billion), 2011–2016
Table 105: Belgian Premium Ceded to Reinsurance by Insurance Segment (EUR Billion),
2007–2011
Table 106: Belgian Premium Ceded to Reinsurance by Insurance Segment (US$ Billion),
2007–2011
Table 107: Belgian Premium Ceded to Reinsurance by Insurance Segment (EUR Billion),
2011–2016
Table 108: Belgian Premium Ceded to Reinsurance by Insurance Segment (US$ Billion),
2011–2016
Table 109: Belgian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2007–2011
Table 110: Belgian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2011–2016
Table 111: Belgian Personal Accident and Health Insurance Market Share (%), 2010
Table 112: Ethias, Key Facts
Table 113: Ethias, Key Financials (EUR Million)
Table 114: AXA Belgium, Key Facts
Table 115: AXA Belgium, Key Financials (EUR Million)
Table 116: AG Insurance, Key Facts
Table 117: AG Insurance, Key Financials (EUR Million)
Table 118: KBC Assurances, Key Facts
Table 119: KBC Assurances, Key Financials (EUR Million)
Table 120: Dexia Insurance Belgium SA, Key Facts
Table 121: Dexia Insurance Belgium SA, Key Financials (EUR Million)
Table 122: ING Life Belgium, Key Facts
Table 123: ING Life Belgium, Key Financials (EUR Million)
Table 124: Allianz Belgium, Key Facts
Table 125: Allianz Belgium, Key Financials (EUR Million)
List of Figures
Figure 1: Belgian Insurance Overall Written Premium by Segment (EUR Billion), 2007–2016
Figure 2: Belgian Insurance Market Dynamics by Segment, 2007–2016
Figure 3: Belgian Personal Accident and Health Insurance Written Premium by Category (EUR
Billion), 2007–2016
Figure 4: Belgian Personal Accident and Health Insurance Written Premium by Category (%
Share), 2011 and 2016
Figure 5: Belgian Personal Accident and Health Insurance Market Dynamics by Category,

11. 2007–2016
Figure 6: Belgian Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2007–2011
Figure 7: Belgian Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2011–2016
Figure 8: Belgian Personal Accident and Health Insurance – Paid Claims by Category (EUR
Billion), 2007–2016
Figure 9: Belgian Personal Accident and Health Insurance – Incurred Loss by Category (EUR
Billion), 2007–2016
Figure 10: Belgian Personal Accident and Health Insurance – Loss Ratio (%), 2007–2011
Figure 11: Belgian Personal Accident and Health Insurance – Loss Ratio (%), 2011–2016
Figure 12: Belgian Personal Accident and Health Insurance – Commission and Expenses (EUR
Billion), 2007–2011
Figure 13: Belgian Personal Accident and Health Insurance – Commission and Expenses (EUR
Billion), 2011–2016
Figure 14: Belgian Personal Accident and Health Insurance – Combined Ratio (%), 2007–2011
Figure 15: Belgian Personal Accident and Health Insurance – Combined Ratio (%), 2011–2016
Figure 16: Belgian Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2007–2011
Figure 17: Belgian Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2011–2016
Figure 18: Belgian Personal Accident and Health Insurance – Total Assets (EUR Billion),
2007–2011
Figure 19: Belgian Personal Accident and Health Insurance – Total Assets (EUR Billion),
2011–2016
Figure 20: Belgian Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2007–2011
Figure 21: Belgian Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2011–2016
Figure 22: Belgian Personal Accident and Health Insurance – Retentions (EUR Billion),
2007–2011
Figure 23: Belgian Personal Accident and Health Insurance – Retentions (EUR Billion),
2011–2016
Figure 24: Belgian Personal Accident and Health Insurance – Investment Portfolio (EUR Billion),
2007–2011
Figure 25: Belgian Personal Accident and Health Insurance – Investment Portfolio (% Share),
2007 and 2011
Figure 26: Belgian Personal Accident and Health Insurance Penetration (% of GDP), 2007–2011
Figure 27: Belgian Personal Accident and Health Insurance – Number of Policies Sold
(Thousand), 2007–2011
Figure 28: Belgian Personal Accident and Health Insurance – Number of Policies Sold
(Thousand), 2011–2016

12. Figure 29: Belgian Personal Accident and Health Insurance – Premium Per Capita (EUR),
2007–2011
Figure 30: Belgian Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2007–2011
Figure 31: Belgian Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2011–2016
Figure 32: Belgian Personal Accident Insurance Category – Written Premium (EUR Billion),
2007–2011
Figure 33: Belgian Personal Accident Insurance Category – Written Premium (EUR Billion),
2011–2016
Figure 34: Belgian Personal Accident Insurance Category – Loss Ratio (%), 2007–2011
Figure 35: Belgian Personal Accident Insurance Category – Loss Ratio (%), 2011–2016
Figure 36: Belgian Travel Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Figure 37: Belgian Travel Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Figure 38: Belgian Travel Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 39: Belgian Travel Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 40: Belgian Travel Insurance Category – Loss Ratio (%), 2007–2011
Figure 41: Belgian Travel Insurance Category – Loss Ratio (%), 2011–2016
Figure 42: Belgian Health Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Figure 43: Belgian Health Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Figure 44: Belgian Health Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 45: Belgian Health Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 46: Belgian Health Insurance Category – Loss Ratio (%), 2007–2011
Figure 47: Belgian Health Insurance Category – Loss Ratio (%), 2011–2016
Figure 48: Belgian Personal Accident and Health Insurance Written Premium by Distribution
Channel (% Share), 2011 and 2016
Figure 49: Belgian Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2007–2011
Figure 50: Belgian Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2011–2016
Figure 51: Belgian Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (EUR Billion), 2007–2011
Figure 52: Belgian Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (EUR Billion), 2011–2016
Figure 53: Belgian Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2007–2011
Figure 54: Belgian Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2011–2016
Figure 55: Belgian Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2007–2011
Figure 56: Belgian Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2011–2016

13. Figure 57: Belgian Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2007–2011
Figure 58: Belgian Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2011–2016
Figure 59: Belgian Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2007–2011
Figure 60: Belgian Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2011–2016
Figure 61: Belgian Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2007–2011
Figure 62: Belgian Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2011–2016
Figure 63: Belgian Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2007–2011
Figure 64: Belgian Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2011–2016
Figure 65: Belgian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR
Billion), 2007–2011
Figure 66: Belgian Personal Accident and Health Insurance – Commission Paid to Agencies (EUR
Billion), 2011–2016
Figure 67: Belgian Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2007–2011
Figure 68: Belgian Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2011–2016
Figure 69: Belgian Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2007–2011
Figure 70: Belgian Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2011–2016
Figure 71: Belgian Personal Accident and Health Insurance – Number of Agencies, 2007–2011
Figure 72: Belgian Personal Accident and Health Insurance – Number of Agencies, 2011–2016
Figure 73: Belgian Personal Accident and Health Insurance – E-Commerce Commission Paid
(EUR Billion), 2007–2011
Figure 74: Belgian Personal Accident and Health Insurance – E-Commerce Commission Paid
(EUR Billion), 2011–2016
Figure 75: Belgian Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2007–2011
Figure 76: Belgian Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2011–2016
Figure 77: Belgian Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2007–2011
Figure 78: Belgian Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2011–2016

14. Figure 79: Belgian Personal Accident and Health Insurance – Number of E-Commerce
Distributors, 2007–2011
Figure 80: Belgian Personal Accident and Health Insurance – Number of E-Commerce
Distributors, 2011–2016
Figure 81: Belgian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2007–2011
Figure 82: Belgian Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2011–2016
Figure 83: Belgian Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2007–2011
Figure 84: Belgian Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2011–2016
Figure 85: Belgian Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2007–2011
Figure 86: Belgian Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2011–2016
Figure 87: Belgian Personal Accident and Health Insurance – Number of Brokers, 2007–2011
Figure 88: Belgian Personal Accident and Health Insurance – Number of Brokers, 2011–2016
Figure 89: Belgian Personal Accident and Health Insurance – Commission Paid to Other Channels
(EUR Billion), 2007–2011
Figure 90: Belgian Personal Accident and Health Insurance – Commission Paid to Other Channels
(EUR Billion), 2011–2016
Figure 91: Belgian Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2007–2011
Figure 92: Belgian Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2011–2016
Figure 93: Belgian Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2007–2011
Figure 94: Belgian Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2011–2016
Figure 95: Belgian Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2007–2011
Figure 96: Belgian Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2011–2016
Figure 97: Belgian Personal Accident and Health Insurance Segment – Five Forces Analysis
Figure 98: Belgian Premium Ceded to Reinsurance by Category (EUR Billion), 2007–2016
Figure 99: Belgian Premium Ceded to Reinsurance by Category (% Share), 2011 and 2016
Figure 100: Belgian Reinsurance Market Dynamics by Category, 2007–2016
Figure 101: Belgian Premium Ceded to Reinsurance by Insurance Segment (EUR Billion),
2007–2016
Figure 102: Belgian Reinsurance Market Dynamics by Insurance Segment, 2007–2016
Figure 103: Belgian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded

15. (%), 2007–2011
Figure 104: Belgian Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2011–2016
Figure 105: Belgian Personal Accident and Health Insurance Market Share (%), 2010
Figure 106: Belgian Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 107: Belgian GDP at Constant Prices (US$ Billion), 2007–2011
Figure 108: Belgian GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 109: Belgian GDP at Current Prices (US$ Billion), 2007–2011
Figure 110: Belgian GDP Per Capita at Current Prices (US$), 2007–2011
Figure 111: Belgian GDP by Key Segments (%) 2009 and 2011
Figure 112: Belgian Agricultural Net Output at Current Prices (EUR Billion), 2007–2011
Figure 113: Belgian Agricultural Net Output at Current Prices (US$ Billion), 2007–2011
Figure 114: Belgian Agricultural Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 115: Belgian Manufacturing Net Output at Current Prices (EUR Billion), 2007–2011
Figure 116: Belgian Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 117: Belgian Manufacturing Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 118: Belgian Mining, Manufacturing and Utilities Net Output at Current Prices (EUR Billion),
2007–2011
Figure 119: Belgian Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion),
2007–2011
Figure 120: Belgian Mining, Manufacturing and Utilities Net Output at Current Prices as a
Percentage of GDP (%), 2007–2011
Figure 121: Belgian Construction Net Output at Current Prices (EUR Billion), 2007–2011
Figure 122: Belgian Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 123: Belgian Construction Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 124: Belgian Inflation Rate (%), 2007–2011
Figure 125: Belgian Current Account Balance as a Percentage of GDP(%), 2007–2011
Figure 126: Belgian Exports as a Percentage of GDP (%), 2007–2011
Figure 127: Belgian Imports as a Percentage of GDP (%), 2007–2011
Figure 128: Belgian Exports Growth (%), 2007–2011
Figure 129: Belgian Imports Growth (%), 2007–2011
Figure 130: Belgian Annual Average Exchange Rate US$–EUR, 2007–2011
Figure 131: Belgian End-of-Period Exchange Rate US$–EUR, 2007–2011
Figure 132: Belgian Airports and Sea Ports (Number), 2011
Figure 133: Belgian Railways and Roadways (Kilometers), 2011
Figure 134: Belgian Passenger Vehicle Production (Volume), 2007–2011
Figure 135: Belgian Commercial Vehicle Production (Volume), 2007–2011
Figure 136: Belgian Automotive Component Exports (US$ Million), 2007–2011
Figure 137: Belgian Automotive Component Imports (US$ Million), 2007–2011

16. Figure 138: Belgian Passenger Car Penetration (Per Thousand People), 2007–2011
Figure 139: Belgian Healthcare Expenditure (US$ Billion), 2007–2011
Figure 140: Belgian Healthcare Expenditure as a Percentage of GDP (%), 2007–2011
Figure 141: Belgian Per Capita Healthcare Expenditure (US$), 2007–2011
Figure 142: Belgian Internet Subscriptions (Million), 2007–2011
Figure 143: Belgian Size of Labor Force in 15–59 Age Group (Million), 2007–2011
Figure 144: Belgian Unemployment Rate (%), 2007–2011
Figure 145: Belgian Annual Disposable Income (US$ Billion), 2007–2011
Figure 146: Belgian Annual Per Capita Disposable Income (US$), 2007–2011
Figure 147: Belgian Total Population (Million), 2007–2011
Figure 148: Belgian Urban and Rural Population (%), 2007–2011
Figure 149: Belgian Females as Percentage of Population (%), 2007–2011
Figure 150: Belgian Males as Percentage of Population (%), 2007–2011
Figure 151: Belgian Mean Age of Population (Years), 2007–2011
Figure 152: Belgian Median Age of Population (Years), 2007–2011
Figure 153: Belgian Population Density (Per Square Kilometer), 2007–2011
Figure 154: Belgian Population Distribution by Age (%), 2007–2011
Figure 155: Belgian Male Population Distribution by Age (%), 2007–2011
Figure 156: Belgian Female Population Distribution by Age (%), 2007–2011
Figure 157: Belgian Households, Number of (Million), 2007–2011
Figure 158: Global Terrorism Heat Map, 2011
Figure 159: Belgian Transparency Index, 2007–2011
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