Personal Accident and Health Insurance in Spain, Key Trends
and Opportunities to 2016
Report Details:
Published:October 2012
No. of Pages: 207
Price: Single User License – US$1950
Synopsis
The report provides in depth market analysis, information and insights into the Spanish personal
accident and health insurance market, including:
• The Spanish personal accident and health insurance market’s growth prospects by personal
accident and health insurance categories and customer segments
• The various distribution channels in the Spanish personal accident and health insurance market
• The competitive landscape in the Spanish personal accident and health insurance market
• A description of the reinsurance market in Spain
Summary
The Spanish personal accident and health insurance segment accounted for the lowest premium
share of the overall insurance industry in 2011. During the review period (20072011) an increasing
demand for healthcare services, coupled with rising levels of healthcare expenditure, supported
the growth of private health insurance products. Due to a strong, government-backed national
health service, the private health insurance category is highly competitive and price wars are
frequent.
Scope
This report provides a comprehensive analysis of the personal accident and health insurance
market in Spain:
• It provides historical values for Spain’s personal accident and health insurance market for
2007–2011 review period and forecast figures for the 2012–2016 forecast period
• It offers a detailed analysis of the key sub-segments in Spain’s 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 Spain

• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in
Spain for the personal accident and health insurance business
• It provides a detailed analysis of the reinsurance market in Spain and its growth prospects
• It profiles the top personal accident and health insurance companies in Spain and outlines the
key regulations affecting them.
Reasons To Buy
• Make strategic business decisions using historic and forecast market data related to the Spanish
personal accident and health insurance market and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the
Spanish 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 Spanish insurance market and its impact on
companies and the market''s future
Key Highlights
• The Spanish personal accident and health insurance segment accounted for the lowest premium
share of the overall insurance industry in 2011.
• The Spanish personal accident and health insurance segment is highly competitive. The
availability of quality services from the nation’s health service encouraged insurers to provide
additional facilities in order to remain competitive.
• The changing needs of consumers is expected to increase Spanish private healthcare
expenditure. The aging population is anticipated to change the country’s demographic structure.
• The presence of a strong social security and healthcare system affected the private health
insurance category. However, those who require cover for other health related-issues not covered
by the national health service are opting for private health insurance.
• Bancassurance is the leading distribution channel in the Spanish personal accident and health
insurance segment.
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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 Spanish Insurance Industry Attractiveness
1.1 Insurance Industry

3.1 Key Industry Trends and Drivers
3.1.1 Business drivers
3.1.2 Consumer drivers
3.2 Recent Market Developments
4 Personal Accident and Health Insurance Segment Outlook
4.1 Personal Accident and Health Insurance Growth Prospects by Category
4.1.1 Personal accident 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 – Spanish Personal Accident and Health Insurance Segment
7.1 Bargaining Power of Supplier: Medium
7.2 Bargaining Power of Buyer: Medium-to-High
7.3 Barriers to Entry: Medium
7.4 Intensity of Rivalry: Medium-to-High
7.5 Threat of Substitutes: Low
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance market size, 2007–2016
8.2 Reinsurance market size by type of insurance, 2007–2016
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 List of Companies in the Spanish Personal Accident and Health Insurance Segment
9.3 Adeslas Segur Caixa – Company Overview
9.3.1 Adeslas Segur Caixa – key facts
9.4 Sanitas – Company Overview
9.4.1 Sanitas – key facts
9.5 ASISA Somos Medicos – Company Overview
9.5.1 ASISA Somos Medicos – key facts
9.6 Mapfre Caja Salud – Company Overview
9.6.1 Mapfre Caja Salud – key facts
9.7 DKV Seguros de Salud – Company Overview
9.7.1 DKV Seguros de Salud – key facts
9.8 Caser Seguros – Company Overview
9.8.1 Caser Seguros – key facts
9.9 Asistencia Sanitaria Colegial – Company Overview

9.9.1 Asistencia Sanitaria Colegial – key facts
9.1 Mutua Madrilena Aresa – Company Overview
9.10.1 Mutua Madrilena Aresa – key facts
9.11 AXA Winterthur Salud – Company Overview
9.11.1 AXA Winterthur Salud – key facts
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Business confidence indicator
10.1.2 Market capitalization trend – Spanish Stock Exchange (BME), Spain
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 (Euro)
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 (Euro)
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 (Euro)
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 (Euro)
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
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
10.6 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
List of Tables
Table 1: Insurance Industry Definitions
Table 2: Spanish Insurance Overall Written Premium by Segment (EUR Billion), 2007–2011
Table 3: Spanish Insurance Overall Written Premium by Segment (US$ Billion), 2007–2011
Table 4: Spanish Insurance Overall Written Premium by Segment (EUR Billion), 2011–2016
Table 5: Spanish Insurance Overall Written Premium by Segment (US$ Billion), 2011–2016
Table 6: Spanish Insurance Segmentation (% Share), 2007–2016
Table 7: Spanish Personal Accident and Health Insurance Written Premium by Category (EUR
Billion), 2007–2011
Table 8: Spanish Personal Accident and Health Insurance Written Premium by Category (US$
Billion), 2007–2011

Table 9: Spanish Personal Accident and Health Insurance Written Premium by Category (EUR
Billion), 2011–2016
Table 10: Spanish Personal Accident and Health Insurance Written Premium by Category (US$
Billion), 2011–2016
Table 11: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2007–2011
Table 12: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2011–2016
Table 13: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR
Billion), 2007–2011
Table 14: Spanish Personal Accident and Health Insurance – Paid Claims by Category (US$
Billion), 2007–2011
Table 15: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR
Billion), 2011–2016
Table 16: Spanish Personal Accident and Health Insurance – Paid Claims by Category (US$
Billion), 2011–2016
Table 17: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR
Billion), 2007–2011
Table 18: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (US$
Billion), 2007–2011
Table 19: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR
Billion), 2011–2016
Table 20: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (US$
Billion), 2011–2016
Table 21: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2007–2011
Table 22: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2011–2016
Table 23: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR
Billion), 2007–2011
Table 24: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR
Billion), 2011–2016
Table 25: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2007–2011
Table 26: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2011–2016
Table 27: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2007–2011
Table 28: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2011–2016
Table 29: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion),
2007–2011
Table 30: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion),
2011–2016
Table 31: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2007–2011

Table 32: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2011–2016
Table 33: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion),
2007–2011
Table 34: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion),
2011–2016
Table 35: Spanish Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2007–2011
Table 36: Spanish Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2011–2016
Table 37: Spanish Personal Accident Insurance Category – Written Premium (EUR Billion),
2007–2011
Table 38: Spanish Personal Accident Insurance Category – Written Premium (EUR Billion),
2011–2016
Table 39: Spanish Personal Accident Insurance Category – Loss Ratio (%), 2007–2011
Table 40: Spanish Personal Accident Insurance Category – Loss Ratio (%), 2011–2016
Table 41: Spanish Travel Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Table 42: Spanish Travel Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Table 43: Spanish Travel Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 44: Spanish Travel Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 45: Spanish Travel Insurance Category – Loss Ratio (%), 2007–2011
Table 46: Spanish Travel Insurance Category – Loss Ratio (%), 2011–2016
Table 47: Spanish Health Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Table 48: Spanish Health Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Table 49: Spanish Health Insurance Category – Written Premium (EUR Billion), 2007–2011
Table 50: Spanish Health Insurance Category – Written Premium (EUR Billion), 2011–2016
Table 51: Spanish Health Insurance Category – Loss Ratio (%), 2007–2011
Table 52: Spanish Health Insurance Category – Loss Ratio (%), 2011–2016
Table 53: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2007–2011
Table 54: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2011–2016
Table 55: Spanish Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (EUR Billion), 2007–2011
Table 56: Spanish Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (EUR Billion), 2011–2016
Table 57: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2007–2011
Table 58: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2011–2016
Table 59: Spanish Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2007–2011

Table 60: Spanish Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2011–2016
Table 61: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2007–2011
Table 62: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2011–2016
Table 63: Spanish Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2007–2011
Table 64: Spanish Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2011–2016
Table 65: Spanish Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2007–2011
Table 66: Spanish Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2011–2016
Table 67: Spanish Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2007–2011
Table 68: Spanish Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2011–2016
Table 69: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR
Billion), 2007–2011
Table 70: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies (EUR
Billion), 2011–2016
Table 71: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2007–2011
Table 72: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2011–2016
Table 73: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2007–2011
Table 74: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2011–2016
Table 75: Spanish Personal Accident and Health Insurance – Number of Agencies, 2007–2011
Table 76: Spanish Personal Accident and Health Insurance – Number of Agencies, 2011–2016
Table 77: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid
(EUR Billion), 2007–2011
Table 78: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid
(EUR Billion), 2011–2016
Table 79: Spanish Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2007–2011
Table 80: Spanish Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2011–2016
Table 81: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2007–2011

Table 82: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2011–2016
Table 83: Spanish Personal Accident and Health Insurance – Number of E-Commerce
Distributors, 2007–2011
Table 84: Spanish Personal Accident and Health Insurance – Number of E-Commerce
Distributors, 2011–2016
Table 85: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2007–2011
Table 86: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2011–2016
Table 87: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2007–2011
Table 88: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2011–2016
Table 89: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2007–2011
Table 90: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2011–2016
Table 91: Spanish Personal Accident and Health Insurance – Number of Brokers, 2007–2011
Table 92: Spanish Personal Accident and Health Insurance – Number of Brokers, 2011–2016
Table 93: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels
(EUR Billion), 2007–2011
Table 94: Spanish Personal Accident and Health Insurance – Commission Paid to Other Channels
(EUR Billion), 2011–2016
Table 95: Spanish Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2007–2011
Table 96: Spanish Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2011–2016
Table 97: Spanish Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2007–2011
Table 98: Spanish Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2011–2016
Table 99: Spanish Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2007–2011
Table 100: Spanish Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2011–2016
Table 101: Spanish Reinsurance Segment by Category (EUR Billion), 2007–2011
Table 102: Spanish Reinsurance Segment by Category (US$ Billion), 2007–2011
Table 103: Spanish Reinsurance Segment by Category (EUR Billion), 2011–2016
Table 104: Spanish Reinsurance Segment by Category (US$ Billion), 2011–2016
Table 105: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),
2007–2011

Table 106: Spanish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion),
2007–2011
Table 107: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),
2011–2016
Table 108: Spanish Premium Ceded to Reinsurance by Type of Insurance (US$ Billion),
2011–2016
Table 109: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2007–2011
Table 110: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2011–2016
Table 111: List of Companies Operating in the Spanish Personal Accident and Health Insurance
Segment
Table 112: Adeslas Segur Caixa, Key Facts
Table 113: Sanitas, Key Facts
Table 114: ASISA Somos Medicos, Key Facts
Table 115: Mapfre Caja Salud, Key Facts
Table 116: DKV Seguros de Salud, Key Facts
Table 117: Caser Seguros, Key Facts
Table 118: Asistencia Sanitaria Colegial, Key Facts
Table 119: Mutua Madrilena Aresa, Key Facts
Table 120: AXA Winterthur Salud, Key Facts
List of Figures
Figure 1: Spanish Insurance Overall Written Premium by Segment (EUR Billion), 2007–2016
Figure 2: Spanish Insurance Market Dynamics by Segment, 2007–2016
Figure 3: Spanish Personal Accident and Health Insurance Written Premium by Category (EUR
Billion), 2007–2016
Figure 4: Spanish Personal Accident and Health Insurance Written Premium by Category (%
Share), 2011 and 2016
Figure 5: Spanish Personal Accident and Health Insurance Market Dynamics by Category,
2007–2016
Figure 6: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2007–2011
Figure 7: Spanish Personal Accident and Health Insurance – Earned Premium (EUR Billion),
2011–2016
Figure 8: Spanish Personal Accident and Health Insurance – Paid Claims by Category (EUR
Billion), 2007–2016
Figure 9: Spanish Personal Accident and Health Insurance – Incurred Loss by Category (EUR
Billion), 2007–2016
Figure 10: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2007–2011
Figure 11: Spanish Personal Accident and Health Insurance – Loss Ratio (%), 2011–2016
Figure 12: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR

Billion), 2007–2011
Figure 13: Spanish Personal Accident and Health Insurance – Commission and Expenses (EUR
Billion), 2011–2016
Figure 14: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2007–2011
Figure 15: Spanish Personal Accident and Health Insurance – Combined Ratio (%), 2011–2016
Figure 16: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2007–2011
Figure 17: Spanish Personal Accident and Health Insurance – Frauds and Crimes (EUR Billion),
2011–2016
Figure 18: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion),
2007–2011
Figure 19: Spanish Personal Accident and Health Insurance – Total Assets (EUR Billion),
2011–2016
Figure 20: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2007–2011
Figure 21: Spanish Personal Accident and Health Insurance – Total Investment Income (EUR
Billion), 2011–2016
Figure 22: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion),
2007–2011
Figure 23: Spanish Personal Accident and Health Insurance – Retentions (EUR Billion),
2011–2016
Figure 24: Spanish Personal Accident and Health Insurance – Investment Portfolio (EUR Billion),
2007–2011
Figure 25: Spanish Personal Accident and Health Insurance – Investment Portfolio (% Share),
2007 and 2011
Figure 26: Spanish Personal Accident and Health Insurance Penetration (% of GDP), 2007–2011
Figure 27: Spanish Personal Accident and Health Insurance – Number of Policies Sold
(Thousand), 2007–2011
Figure 28: Spanish Personal Accident and Health Insurance – Number of Policies Sold
(Thousand), 2011–2016
Figure 29: Spanish Personal Accident and Health Insurance – Premium Per Capita (EUR),
2007–2011
Figure 30: Spanish Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2007–2011
Figure 31: Spanish Personal Accident Insurance Category – Number of Policies Sold (Thousand),
2011–2016
Figure 32: Spanish Personal Accident Insurance Category – Written Premium (EUR Billion),
2007–2011
Figure 33: Spanish Personal Accident Insurance Category – Written Premium (EUR Billion),
2011–2016
Figure 34: Spanish Personal Accident Insurance Category – Loss Ratio (%), 2007–2011
Figure 35: Spanish Personal Accident Insurance Category – Loss Ratio (%), 2011–2016

Figure 36: Spanish Travel Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Figure 37: Spanish Travel Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Figure 38: Spanish Travel Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 39: Spanish Travel Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 40: Spanish Travel Insurance Category – Loss Ratio (%), 2007–2011
Figure 41: Spanish Travel Insurance Category – Loss Ratio (%), 2011–2016
Figure 42: Spanish Health Insurance Category – Number of Policies Sold (Thousand), 2007–2011
Figure 43: Spanish Health Insurance Category – Number of Policies Sold (Thousand), 2011–2016
Figure 44: Spanish Health Insurance Category – Written Premium (EUR Billion), 2007–2011
Figure 45: Spanish Health Insurance Category – Written Premium (EUR Billion), 2011–2016
Figure 46: Spanish Health Insurance Category – Loss Ratio (%), 2007–2011
Figure 47: Spanish Health Insurance Category – Loss Ratio (%), 2011–2016
Figure 48: Spanish Personal Accident and Health Insurance Written Premium by Distribution
Channel (% Share), 2011 and 2016
Figure 49: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2007–2011
Figure 50: Spanish Personal Accident and Health Insurance – Direct Marketing Commission Paid
(EUR Billion), 2011–2016
Figure 51: Spanish Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (EUR Billion), 2007–2011
Figure 52: Spanish Personal Accident and Health Insurance – Written Premium Through Direct
Marketing (EUR Billion), 2011–2016
Figure 53: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2007–2011
Figure 54: Spanish Personal Accident and Health Insurance – Policies Sold Through Direct
Marketing (Thousand), 2011–2016
Figure 55: Spanish Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2007–2011
Figure 56: Spanish Personal Accident and Health Insurance – Number of Direct Marketing
Distributors, 2011–2016
Figure 57: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2007–2011
Figure 58: Spanish Personal Accident and Health Insurance – Bancassurance Commission Paid
(EUR Billion), 2011–2016
Figure 59: Spanish Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2007–2011
Figure 60: Spanish Personal Accident and Health Insurance – Written Premium Through
Bancassurance (EUR Billion), 2011–2016
Figure 61: Spanish Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2007–2011
Figure 62: Spanish Personal Accident and Health Insurance – Policies Sold Through
Bancassurance (Thousand), 2011–2016

Figure 63: Spanish Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2007–2011
Figure 64: Spanish Personal Accident and Health Insurance – Number of Bancassurance
Distributors, 2011–2016
Figure 65: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies
(EUR Billion), 2007–2011
Figure 66: Spanish Personal Accident and Health Insurance – Commission Paid to Agencies
(EUR Billion), 2011–2016
Figure 67: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2007–2011
Figure 68: Spanish Personal Accident and Health Insurance – Written Premium Through Agencies
(EUR Billion), 2011–2016
Figure 69: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2007–2011
Figure 70: Spanish Personal Accident and Health Insurance – Policies Sold Through Agencies
(Thousand), 2011–2016
Figure 71: Spanish Personal Accident and Health Insurance – Number of Agencies, 2007–2011
Figure 72: Spanish Personal Accident and Health Insurance – Number of Agencies, 2011–2016
Figure 73: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid
(EUR Billion), 2007–2011
Figure 74: Spanish Personal Accident and Health Insurance – E-Commerce Commission Paid
(EUR Billion), 2011–2016
Figure 75: Spanish Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2007–2011
Figure 76: Spanish Personal Accident and Health Insurance – Written Premium Through E-
Commerce (EUR Billion), 2011–2016
Figure 77: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2007–2011
Figure 78: Spanish Personal Accident and Health Insurance – Policies Sold Through E-Commerce
(Thousand), 2011–2016
Figure 79: Spanish Personal Accident and Health Insurance – Number of E-Commerce
Distributors, 2007–2011
Figure 80: Spanish Personal Accident and Health Insurance – Number of E-Commerce
Distributors, 2011–2016
Figure 81: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2007–2011
Figure 82: Spanish Personal Accident and Health Insurance – Commission Paid to Brokers (EUR
Billion), 2011–2016
Figure 83: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2007–2011
Figure 84: Spanish Personal Accident and Health Insurance – Written Premium Through Brokers
(EUR Billion), 2011–2016

Figure 85: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2007–2011
Figure 86: Spanish Personal Accident and Health Insurance – Policies Sold Through Brokers
(Thousand), 2011–2016
Figure 87: Spanish Personal Accident and Health Insurance – Number of Brokers, 2007–2011
Figure 88: Spanish Personal Accident and Health Insurance – Number of Brokers, 2011–2016
Figure 89: Spanish Personal Accident and Health Insurance – Commission Paid to Other
Channels (EUR Billion), 2007–2011
Figure 90: Spanish Personal Accident and Health Insurance – Commission Paid to Other
Channels (EUR Billion), 2011–2016
Figure 91: Spanish Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2007–2011
Figure 92: Spanish Personal Accident and Health Insurance – Written Premium Through Other
Channels (EUR Billion), 2011–2016
Figure 93: Spanish Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2007–2011
Figure 94: Spanish Personal Accident and Health Insurance – Policies Sold Through Other
Channels (Thousand), 2011–2016
Figure 95: Spanish Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2007–2011
Figure 96: Spanish Personal Accident and Health Insurance – Number of Distributors in Other
Channels, 2011–2016
Figure 97: Spanish Personal Accident and Health Insurance Segment – Five Forces Analysis
Figure 98: Spanish Premium Ceded to Reinsurance by Category (EUR Billion), 2007–2016
Figure 99: Spanish Premium Ceded to Reinsurance by Category (% Share), 2011 and 2016
Figure 100: Spanish Reinsurance Market Dynamics by Category, 2007–2016
Figure 101: Spanish Premium Ceded to Reinsurance by Type of Insurance (EUR Billion),
2007–2016
Figure 102: Spanish Reinsurance Market Dynamics by Type of Insurance, 2007–2016
Figure 103: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2007–2011
Figure 104: Spanish Personal Accident and Health Insurance – Percentage of Reinsurance Ceded
(%), 2011–2016
Figure 105: Spanish Business Confidence Indicator, Q1 2009 – Q4 2011
Figure 106: Spanish Stock Exchange Market Capitalization (US$ Billion), 2007–2011
Figure 107: Spanish GDP at Constant Prices (US$ Billion), 2007–2011
Figure 108: Spanish GDP Per Capita at Constant Prices (US$), 2007–2011
Figure 109: Spanish GDP at Current Prices (US$ Billion), 2007–2011
Figure 110: Spanish GDP Per Capita at Current Prices (US$), 2007–2011
Figure 111: Spanish GDP by Key Segments (%) 2009 and 2011
Figure 112: Spanish Agricultural Net Output at Current Prices (EUR Billion), 2007–2011
Figure 113: Spanish Agricultural Net Output at Current Prices (US$ Billion), 2007–2011

Figure 114: Spanish Agricultural Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 115: Spanish Manufacturing Net Output at Current Prices (EUR Billion), 2007–2011
Figure 116: Spanish Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011
Figure 117: Spanish Manufacturing Net Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 118: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices (EUR
Billion), 2007–2011
Figure 119: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion),
2007–2011
Figure 120: Spanish Mining, Manufacturing and Utilities Net Output at Current Prices as a
Percentage of GDP (%), 2007–2011
Figure 121: Spanish Construction Net Output at Current Prices (EUR Billion), 2007–2011
Figure 122: Spanish Construction Net Output at Current Prices (US$ Billion), 2007– 2011
Figure 123: Spanish Construction Output at Current Prices as a Percentage of GDP (%),
2007–2011
Figure 124: Spanish Inflation Rate (%), 2007–2011
Figure 125: Spanish Current Account Balance as a Percentage of GDP (%), 2007–2011
Figure 126: Spanish Exports as a Percentage of GDP (%), 2007–2011
Figure 127: Spanish Imports as a Percentage of GDP (%), 2007–2011
Figure 128: Spanish Exports Growth (%), 2007–2011
Figure 129: Spanish Imports Growth (%), 2007–2011
Figure 130: Spanish Annual Average Exchange Rate US$–EUR, 2007–2011
Figure 131: Spanish End-of-Period Exchange Rate US$–EUR, 2007–2011
Figure 132: Total Number of Spanish Airports and Sea Ports, 2011
Figure 133: Spanish Railways and Roadways (Kilometers), 2011
Figure 134: Spanish Passenger Vehicle Production, 2007–2011
Figure 135: Spanish Commercial Vehicle Production, 2007–2011
Figure 136: Spanish Automotive Component Exports (US$ Billion), 2007–2011
Figure 137: Spanish Automotive Component Imports (US$ Billion), 2007–2011
Figure 138: Spanish Passenger Car Penetration (per thousand people), 2007–2011
Figure 139: Spanish Healthcare Expenditure (US$ Billion), 2007–2011
Figure 140: Spanish Healthcare Expenditure as a Percentage of GDP (%), 2007–2011
Figure 141: Spanish Per Capita Healthcare Expenditure (US$), 2007–2011
Figure 142: Spanish Internet Subscriptions (Millions), 2007–2011
Figure 143: Spanish Size of Labor Force in 15–59 Age Group (Million), 2007–2011
Figure 144: Spanish Unemployment Rate (%), 2007–2011
Figure 145: Spanish Annual Disposable Income (US$ Billion), 2007–2011
Figure 146: Spanish Annual Per Capita Disposable Income (US$), 2007–2011
Figure 147: Spanish Total Population (Million), 2007–2011
Figure 148: Spanish Urban and Rural Population (%), 2007–2011
Figure 149: Spanish Females as Percentage of Population (%), 2007–2011

Figure 150: Spanish Males as Percentage of Population (%), 2007–2011
Figure 151: Spanish Mean Age of Population (Year), 2007–2011
Figure 152: Spanish Median Age of Population (Year), 2007–2011
Figure 153: Spanish Population Density (per Square Kilometer), 2007–2011
Figure 154: Spanish Population Distribution by Age (%), 2007–2011
Figure 155: Spanish Male Population Distribution by Age (%), 2007–2011
Figure 156: Spanish Female Population Distribution by Age (%), 2007–2011
Figure 157: Global Terrorism Heat Map, 2011
Figure 158: Spanish Transparency Index, 2007–2011
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