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Synopsis

The report provides in-depth industry analysis, information and insights into the insurance industry in Uruguay, including:
• The Uruguayan insurance industry’s growth prospects by insurance segments and categories
• The competitive landscape in the Uruguayan insurance industry
• The current trends and drivers of the Uruguayan insurance industry
• Challenges facing the Uruguayan insurance industry
• The regulatory framework of the Uruguayan insurance industry

Summary
Unlike most Latin American countries, Uruguay was able to avoid recession during 2008–2009, with GDP rising by 2.9% in 2009. The gross written premium of the insurance industry registered a CAGR of 18.9% to value UYU21.6 billion (US$1.1 billion) in 2012. The penetration rate of the industry also rose, from 1.7% in 2008 to 2.2% in 2012. The industry is very competitive, and since its liberalization in 1993 the number of private insurance companies has increased; there were 16 insurers operating in the insurance industry in 2012. Nonetheless, state-owned insurer Banco de Seguros del Estado (BSE) continued to lead the industry with a 69.3% share of gross written premium in 2012.

Scope

This report provides a comprehensive analysis of the insurance industry in Uruguay:
• It provides historical values for the Uruguayan insurance industry for the report’s 2008–2012 review period and expected figures for the 2012–2017 forecast period.
• It offers a detailed analysis of the key segments and categories in the Uruguayan insurance industry, along with forecasts until 2017.
• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions.
• It profiles the top insurance companies in Uruguay, and outlines the key regulations affecting them.

Reasons To Buy

• Make strategic business decisions using in-depth historic and forecast industry data related to the Uruguayan insurance industry and each segment within it.
• Understand the demand-side dynamics, key trends and growth opportunities within the Uruguayan insurance industry.
• Assess the competitive dynamics in the Uruguayan insurance industry.
• Identify the growth opportunities and market dynamics within key segments.
• Gain insights into key regulations governing the Uruguayan insurance industry and its impact on companies and the industry's future.

Key Highlights

• The non-life segment accounted for 70.3% of the industry’s gross written premium in 2012. Motor insurance accounted for 42% of the segment’s gross written premium in 2012, followed by general liability insurance with 38.5%
• The life segment registered the fastest CAGR of 26.7% during the review period, as a result of an increase in demand for pension products which recorded a CAGR of 37% with a gross written premium of UYU2.8 billion (US$0.13 billion) in 2012
•There were 16 insurers operating in the insurance industry in 2012. Nonetheless, state-owned insurer Banco de Seguros del Estado (BSE) continued to lead the industry with a 69.3% share of gross written premium in 2012
• Unlike most Latin American countries, Uruguay was able to avoid recession during 2008–2009, with GDP rising by 2.9% in 2009
• Stable economic growth, expanding tourism and rising disposable income will act as major drivers over the forecast period (2012-2017)

Table Of Contents

The Insurance Industry in Uruguay, Key Trends and Opportunities to 2017
Table of Contents
1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Bulgarian Insurance Industry Attractiveness
3.1 Insurance Industry Size, 2008-2017
3.2 Key Industry Trends and Drivers
3.2.1 Business drivers
3.2.2 Consumer drivers
3.3 Recent Market Developments
4 Life Insurance Outlook
4.1 Life Insurance Growth Prospects by Category
4.1.1 Individual life insurance
4.1.2 Individual General Annuity
4.1.3 Individual pension
4.1.4 Individual endowment
4.1.5 Individual Marriage and birth insurance
4.1.6 Individual unit-linked insurance
4.1.7 Individual Term life Insurance
4.1.8 Individual supplementary
4.1.9 Individual others
4.1.10 Group life insurance
4.1.11 Group superannuation
4.1.12 Group unit-linked insurance
4.2 Life Insurance Growth Prospects by Product Type
4.2.1 Individual single-premium policies
4.2.2 Individual non-single-premium policies
4.2.3 Group single-premium policies
4.2.4 Group non-single-premium policies
5 Analysis by Distribution Channel
5.1 Direct marketing
5.2 Bancassurance
5.3 Agencies
5.4 E-commerce
5.5 Brokers
5.6 Other channels
6 Regulatory Policies
7 Porter's Five Forces Analysis - Bulgarian Life Insurance
7.1 Bargaining Power of Supplier: medium
7.2 Bargaining Power of Buyer: low
7.3 Barriers to Entry: low to medium
7.4 Intensity of Rivalry: high
7.5 Threat of Substitutes: low
8 Reinsurance Growth Dynamics and Challenges
8.1 Reinsurance Segment Size, 2008-2017
8.2 Reinsurance Segment Size by Type of Insurance, 2008-2017
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the Bulgarian Life Insurance Segment
9.3 Comparison of top five insurers
9.3.1 Gross Written Premium
9.3.2 Outwards reinsurance expense
9.3.3 Net earned premiums
9.3.4 Gross Claims
9.3.5 Paid Claims
9.3.6 Pre tax profit/loss
9.3.7 Total Assets
9.3.8 Total investment income
9.3.9 Underwriting profit/loss
9.3.10 Net loss ratio
9.3.11 Combined ratio
9.4 Company 1 - Company Overview
9.4.1 Company 1 - Key Facts
9.4.2 Company 1 - Key Financials
9.5 Company 2 - Company Overview
9.5.1 Company 2 - Key Facts
9.5.2 Company 2 - Key Financials
9.6 Company 3 - Company Overview
9.6.1 Company 3 - Key Facts
9.6.1 Company 3 - Key Financials
9.7 Company 4 - Company Overview
9.7.1 Company 4 - Key Facts
9.7.2 Company 4 - Key Financials
9.8 Company 5 - Company Overview
9.8.1 Company 5 - Key Facts
9.8.2 Company 5 - Key Financials
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Business confidence index
10.1.2 Market capitalization trend - Bulgarian stock exchange (ISE), Bulgarian
10.1.3 FDI inflow by industry
10.1.4 Deployment of credit
10.2 Economic Performance
10.2.1 GDP at constant prices (US dollars)
10.2.2 GDP per capita at constant prices (US dollars)
10.2.3 GDP at current prices (US dollars)
10.2.4 GDP per capita at current prices (US dollars)
10.2.5 GDP split by key sectors
10.2.6 Agriculture net output at current prices (BGN)
10.2.7 Agriculture net output at current prices (US dollars)
10.2.8 Agriculture net output at current prices as a percentage of GDP
10.2.9 Manufacturing net output at current prices (BGN)
10.2.10 Manufacturing net output at current prices (US dollars)
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 (Bulgarian lira)
10.2.13 Mining, manufacturing and utilities at current prices (US dollars)
10.2.14 Mining, manufacturing and utilities at current prices as a percentage of GDP
10.2.15 Construction net output at current prices (Bulgarian lira)
10.2.16 Construction net output at current prices as a percentage of GDP
10.2.17 Construction net output at current prices (US dollars)
10.2.18 Inflation rate
10.2.19 Fiscal balance as a percentage of GDP
10.2.20 Current account balance as a percentage of GDP
10.2.21 Exports as a percentage of GDP
10.2.22 Imports as a percentage of GDP
10.2.23 Exports growth
10.2.24 Imports growth
10.2.25 External debt as a percentage of GDP
10.2.26 Annual average exchange rate US$-BGN
10.2.27 End of period exchange rate US$-BGN
10.3 Infrastructure Quality and Availability
10.3.1 Railways and roadways
10.3.2 Passenger vehicle production
10.3.3 Commercial vehicle production
10.3.4 Passenger car penetration
10.3.5 Healthcare expenditure
10.3.6 Healthcare expenditure as a percentage of GDP
10.3.7 Healthcare per capita expenditure
10.3.8 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 Annual consumer expenditure on food
10.5.4 Annual per capita consumer expenditure on food
10.5.5 Midyear total population
10.5.6 Urban and rural population
10.5.7 Female percentage of population
10.5.8 Male percentage of population
10.5.9 Mean age of population
10.5.10 Median age of population
10.5.11 Population density
10.5.12 Age distribution of the total population
10.5.13 Age distribution of the male population
10.5.14 Age distribution of the female population
10.5.15 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 Timetric
11.3 About Timetric
11.4 Timetric's Services
11.5 Disclaimer

List of Tables
Table 1: Insurance Industry Definitions
Table 2: Uruguayan Insurance - Overall Written Premium by Segment (UYU Billion), 2008-2012
Table 3: Uruguayan Insurance - Overall Written Premium by Segment (US$ Billion), 2008-2012
Table 4: Uruguayan Insurance - Overall Written Premium by Segment (UYU Billion), 2012-2017
Table 5: Uruguayan Insurance - Overall Written Premium by Segment (US$ Billion), 2012-2017
Table 6: Uruguayan Insurance - Segmentation (% Share), 2008-2017
Table 7: Uruguayan Life Insurance - Written Premium by Category (UYU Billion), 2008-2012
Table 8: Uruguayan Life Insurance - Written Premium by Category (US$ Billion), 2008-2012
Table 9: Uruguayan Life Insurance - Written Premium by Category (UYU Billion), 2012-2017
Table 10: Uruguayan Life Insurance - Written Premium by Category (US$ Billion), 2012-2017
Table 11: Uruguayan Life Insurance - Earned Premium (UYU Billion), 2008-2012
Table 12: Uruguayan Life Insurance - Earned Premium (UYU Billion), 2012-2017
Table 13: Uruguayan Life Insurance - Sum Assured (UYU Billion), 2008-2012
Table 14: Uruguayan Life Insurance - Sum Assured (UYU Billion), 2012-2017
Table 15: Uruguayan Life Insurance - Paid Claims (UYU Billion), 2008-2012
Table 16: Uruguayan Life Insurance - Paid Claims (UYU Billion), 2012-2017
Table 17: Uruguayan Life Insurance - Incurred Loss (UYU Billion), 2008-2012
Table 18: Uruguayan Life Insurance - Incurred Loss (UYU Billion), 2012-2017
Table 19: Uruguayan Life Insurance - Loss Ratio (%), 2008-2012
Table 20: Uruguayan Life Insurance - Loss Ratio (%), 2012-2017
Table 21: Uruguayan Life Insurance - Commissions and Expenses (UYU Billion), 2008-2012
Table 22: Uruguayan Life Insurance - Commissions and Expenses (UYU Billion), 2012-2017
Table 23: Uruguayan Life Insurance - Combined Ratio (%), 2008-2012
Table 24: Uruguayan Life Insurance - Combined Ratio (%), 2012-2017
Table 25: Uruguayan Life Insurance - Frauds and Crimes (UYU Million), 2008-2012
Table 26: Uruguayan Life Insurance - Frauds and Crimes (UYU Million), 2012-2017
Table 27: Uruguayan Life Insurance - Total Assets (UYU Billion), 2008-2012
Table 28: Uruguayan Life Insurance - Total Assets (UYU Billion), 2012-2017
Table 29: Uruguayan Life Insurance - Total Investment Income (UYU Million), 2008-2012
Table 30: Uruguayan Life Insurance - Total Investment Income (UYU Million), 2012-2017
Table 31: Uruguayan Life Insurance - Retentions (UYU Billion), 2008-2012
Table 32: Uruguayan Life Insurance - Retentions (UYU Billion), 2012-2017
Table 33: Uruguayan Individual Life Insurance - Number of Active Policies (Thousand), 2008-2012
Table 34: Uruguayan Individual Life Insurance - Number of Active Policies, 2012-2017
Table 35: Uruguayan Individual Life Insurance - Written Premium (UYU Billion), 2008-2012
Table 36: Uruguayan Individual Life Insurance - Written Premium (UYU Billion), 2012-2017
Table 37: Uruguayan Individual Pension Insurance - Number of Active Policies (Thousand), 2008-2012
Table 38: Uruguayan Individual Pension Insurance - Number of Active Policies (Thousand), 2012-2017
Table 39: Uruguayan Individual Pension Insurance - Written Premium (UYU Billion), 2008-2012
Table 40: Uruguayan Individual Pension Insurance - Written Premium (UYU Billion), 2012-2017
Table 41: Uruguayan Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2008-2012
Table 42: Uruguayan Individual Single-Premium Insurance - Number of Active Policies (Thousand), 2012-2017
Table 43: Uruguayan Individual Single-Premium Insurance - Written Premium (UYU Billion), 2008-2012
Table 44: Uruguayan Individual Single-Premium Insurance - Written Premium (UYU Billion), 2012-2017
Table 45: Uruguayan Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2008-2012
Table 46: Uruguayan Individual Non-Single-Premium Insurance - Number of Active Policies (Thousand), 2012-2017
Table 47: Uruguayan Individual Non-Single-Premium Insurance - Written Premium (UYU Billion), 2008-2012
Table 48: Uruguayan Individual Non-Single-Premium Insurance - Written Premium (UYU Billion), 2012-2017
Table 49: Uruguayan Non-Life Insurance - Written Premium by Category (UYU Billion), 2008-2012
Table 50: Uruguayan Non-Life Insurance - Written Premium by Category (US$ Billion), 2008-2012
Table 51: Uruguayan Non-Life Insurance - Written Premium by Category (UYU Billion), 2012-2017
Table 52: Uruguayan Non-Life Insurance - Written Premium by Category (US$ Billion), 2012-2017
Table 53: Uruguayan Non-Life Insurance - Earned Premium (UYU Billion), 2008-2012
Table 54: Uruguayan Non-Life Insurance - Earned Premium (UYU Billion), 2012-2017
Table 55: Uruguayan Non-Life Insurance - Paid Claims by Category (UYU Billion), 2008-2012
Table 56: Uruguayan Non-Life Insurance - Paid Claims by Category (US$ Billion), 2008-2012
Table 57: Uruguayan Non-Life Insurance - Paid Claims by Category (UYU Billion), 2012-2017
Table 58: Uruguayan Non-Life Insurance - Paid Claims by Category (US$ Billion), 2012-2017
Table 59: Uruguayan Non-Life Insurance - Incurred Loss by Category (UYU Billion), 2008-2012
Table 60: Uruguayan Non-Life Insurance - Incurred Loss by Category (US$ Billion), 2008-2012
Table 61: Uruguayan Non-Life Insurance - Incurred Loss by Category (UYU Billion), 2012-2017
Table 62: Uruguayan Non-Life Insurance - Incurred Loss by Category (US$ Billion), 2012-2017
Table 63: Uruguayan Non-Life Insurance - Loss Ratio (%), 2008-2012
Table 64: Uruguayan Non-Life Insurance - Loss Ratio (%), 2012-2017
Table 65: Uruguayan Non-Life Insurance - Commission and Expenses (UYU Billion), 2008-2012
Table 66: Uruguayan Non-Life Insurance - Commission and Expenses (UYU Billion), 2012-2017
Table 67: Uruguayan Non-Life Insurance - Combined Ratio (%), 2008-2012
Table 68: Uruguayan Non-Life Insurance - Combined Ratio (%), 2012-2017
Table 69: Uruguayan Non-Life Insurance - Frauds and Crimes (UYU Billion), 2008-2012
Table 70: Uruguayan Non-Life Insurance - Frauds and Crimes (UYU Billion), 2012-2017
Table 71: Uruguayan Non-Life Insurance - Total Assets (UYU Billion), 2008-2012
Table 72: Uruguayan Non-Life Insurance - Total Assets (UYU Billion), 2012-2017
Table 73: Uruguayan Non-Life Insurance - Total Investment Income (UYU Billion), 2008-2012
Table 74: Uruguayan Non-Life Insurance - Total Investment Income (UYU Billion), 2012-2017
Table 75: Uruguayan Non-Life Insurance - Retentions (UYU Billion), 2008-2012
Table 76: Uruguayan Non-Life Insurance - Retentions (UYU Billion), 2012-2017
Table 77: Uruguayan Property Insurance - Written Premium by Sub-Category (UYU Billion), 2008-2012
Table 78: Uruguayan Property Insurance - Written Premium by Sub-Category (US$ Billion), 2008-2012
Table 79: Uruguayan Property Insurance - Written Premium by Sub-Category (UYU Billion), 2012-2017
Table 80: Uruguayan Property Insurance - Written Premium by Sub-Category (US$ Billion), 2012-2017
Table 81: Uruguayan Property Insurance - Loss Ratio (%), 2008-2012
Table 82: Uruguayan Property Insurance - Loss Ratio (%), 2012-2017
Table 83: Uruguayan Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 84: Uruguayan Fire and Allied Perils Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 85: Uruguayan Fire and Allied Perils Insurance - Written Premium (UYU Billion), 2008-2012
Table 86: Uruguayan Fire and Allied Perils Insurance - Written Premium (UYU Billion), 2012-2017
Table 87: Uruguayan Engineering Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 88: Uruguayan Engineering Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 89: Uruguayan Engineering Insurance - Written Premium (UYU Billion), 2008-2012
Table 90: Uruguayan Engineering Insurance - Written Premium (UYU Billion), 2012-2017
Table 91: Uruguayan Agriculture Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 92: Uruguayan Agriculture Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 93: Uruguayan Agriculture Insurance - Written Premium (UYU Billion), 2008-2012
Table 94: Uruguayan Agriculture Insurance - Written Premium (UYU Billion), 2012-2017
Table 95: Uruguayan Other Property Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 96: Uruguayan Other Property Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 97: Uruguayan Other Property Insurance - Written Premium (UYU Billion), 2008-2012
Table 98: Uruguayan Other Property Insurance - Written Premium (UYU Billion), 2012-2017
Table 99: Uruguayan Motor Insurance - Written Premium by Sub-Category (UYU Billion), 2008-2012
Table 100: Uruguayan Motor Insurance - Written Premium by Sub-Category (US$ Billion), 2008-2012
Table 101: Uruguayan Motor Insurance - Written Premium by Sub-Category (UYU Billion), 2012-2017
Table 102: Uruguayan Motor Insurance - Written Premium by Sub-Category (US$ Billion), 2012-2017
Table 103: Uruguayan Motor Insurance - Loss Ratio (%), 2008-2012
Table 104: Uruguayan Motor Insurance - Loss Ratio (%), 2012-2017
Table 105: Uruguayan Motor Hull Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 106: Uruguayan Motor Hull Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 107: Uruguayan Motor Hull Insurance - Written Premium (UYU Billion), 2008-2012
Table 108: Uruguayan Motor Hull Insurance - Written Premium (UYU Billion), 2012-2017
Table 109: Uruguayan Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 110: Uruguayan Motor Third-Party Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 111: Uruguayan Motor Third-Party Insurance - Written Premium (UYU Billion), 2008-2012
Table 112: Uruguayan Motor Third-Party Insurance - Written Premium (UYU Billion), 2012-2017
Table 113: Uruguayan General Third-Party Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 114: Uruguayan General Third-Party Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 115: Uruguayan General Third-Party Insurance - Written Premium (UYU Billion), 2008-2012
Table 116: Uruguayan General Third-Party Insurance - Written Premium (UYU Billion), 2012-2017
Table 117: Uruguayan General Third-Party Insurance - Loss Ratio (%), 2008-2012
Table 118: Uruguayan General Third-Party Insurance - Loss Ratio (%), 2012-2017
Table 119: Uruguayan Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (UYU Billion), 2008-2012
Table 120: Uruguayan Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (US$ Billion), 2008-2012
Table 121: Uruguayan Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (UYU Billion), 2012-2017
Table 122: Uruguayan Marine, Aviation and Transit Insurance - Written Premium by Sub-Category (US$ Billion), 2012-2017
Table 123: Uruguayan Marine, Aviation and Transit Insurance - Loss Ratio (%), 2008-2012
Table 124: Uruguayan Marine, Aviation and Transit Insurance - Loss Ratio (%), 2012-2017
Table 125: Uruguayan Marine Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 126: Uruguayan Marine Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 127: Uruguayan Marine Insurance - Written Premium (UYU Billion), 2008-2012
Table 128: Uruguayan Marine Hull Insurance - Written Premium (UYU Billion), 2012-2017
Table 129: Uruguayan Transit Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 130: Uruguayan Transit Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 131: Uruguayan Transit Insurance - Written Premium (UYU Billion), 2008-2012
Table 132: Uruguayan Transit Insurance - Written Premium (UYU Billion), 2012-2017
Table 133: Uruguayan Personal Accident and Health Insurance - Written Premium by Category (UYU Million), 2008-2012
Table 134: Uruguayan Personal Accident and Health Insurance - Written Premium by Category (US$ Million), 2008-2012
Table 135: Uruguayan Personal Accident and Health Insurance - Written Premium by Category (UYU Million), 2012-2017
Table 136: Uruguayan Personal Accident and Health Insurance - Written Premium by Category (US$ Million), 2012-2017
Table 137: Uruguayan Personal Accident and Health Insurance - Earned Premium (UYU Million), 2008-2012
Table 138: Uruguayan Personal Accident and Health Insurance - Earned Premium (UYU Million), 2012-2017
Table 139: Uruguayan Personal Accident and Health Insurance - Paid Claims by Category (UYU Million), 2008-2012
Table 140: Uruguayan Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2008-2012
Table 141: Uruguayan Personal Accident and Health Insurance - Paid Claims by Category (UYU Million), 2012-2017
Table 142: Uruguayan Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2012-2017
Table 143: Uruguayan Personal Accident and Health Insurance - Incurred Loss by Category (UYU Million), 2008-2012
Table 144: Uruguayan Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2008-2012
Table 145: Uruguayan Personal Accident and Health Insurance - Incurred Loss by Category (UYU Million), 2012-2017
Table 146: Uruguayan Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2012-2017
Table 147: Uruguayan Personal Accident and Health Insurance - Loss Ratio (%), 2008-2012
Table 148: Uruguayan Personal Accident and Health Insurance - Loss Ratio (%), 2012-2017
Table 149: Uruguayan Personal Accident and Health Insurance - Commission and Expenses (UYU Million), 2008-2012
Table 150: Uruguayan Personal Accident and Health Insurance - Commission and Expenses (UYU Million), 2012-2017
Table 151: Uruguayan Personal Accident and Health Insurance - Combined Ratio (%), 2008-2012
Table 152: Uruguayan Personal Accident and Health Insurance - Combined Ratio (%), 2012-2017
Table 153: Uruguayan Personal Accident and Health Insurance - Frauds and Crimes (UYU Million), 2008-2012
Table 154: Uruguayan Personal Accident and Health Insurance - Frauds and Crimes (UYU Million), 2012-2017
Table 155: Uruguayan Personal Accident and Health Insurance - Total Assets (UYU Billion), 2008-2012
Table 156: Uruguayan Personal Accident and Health Insurance - Total Assets (UYU Billion), 2012-2017
Table 157: Uruguayan Personal Accident and Health Insurance - Total Investment Income (UYU Million), 2008-2012
Table 158: Uruguayan Personal Accident and Health Insurance - Total Investment Income (UYU Million), 2012-2017
Table 159: Uruguayan Personal Accident and Health Insurance - Retentions (UYU Million), 2008-2012
Table 160: Uruguayan Personal Accident and Health Insurance - Retentions (UYU Million), 2012-2017
Table 161: Uruguayan Personal Accident Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 162: Uruguayan Personal Accident Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 163: Uruguayan Personal Accident Insurance - Written Premium (UYU Million), 2008-2012
Table 164: Uruguayan Personal Accident Insurance - Written Premium (UYU Million), 2012-2017
Table 165: Uruguayan Personal Accident Insurance - Loss Ratio (%), 2008-2012
Table 166: Uruguayan Personal Accident Insurance - Loss Ratio (%), 2012-2017
Table 167: Uruguayan Travel Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 168: Uruguayan Travel Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 169: Uruguayan Travel Insurance - Written Premium (UYU Million), 2008-2012
Table 170: Uruguayan Travel Insurance - Written Premium (UYU Million), 2012-2017
Table 171: Uruguayan Travel Insurance - Loss Ratio (%), 2008-2012
Table 172: Uruguayan Travel Insurance - Loss Ratio (%), 2012-2017
Table 173: Uruguayan Health Insurance - Number of Policies Sold (Thousand), 2008-2012
Table 174: Uruguayan Health Insurance - Number of Policies Sold (Thousand), 2012-2017
Table 175: Uruguayan Health Insurance - Written Premium (UYU Million), 2008-2012
Table 176: Uruguayan Health Insurance - Written Premium (UYU Million), 2012-2017
Table 177: Uruguayan Health Insurance - Loss Ratio (%), 2008-2012
Table 178: Uruguayan Health Insurance - Loss Ratio (%), 2012-2017
Table 179: Uruguayan Premium Ceded to Reinsurance by Type of Insurance (UYU Billion), 2008-2012
Table 180: Uruguayan Premium Ceded to Reinsurance by Type of Insurance (US$ Million), 2008-2012
Table 181: Uruguayan Premium Ceded to Reinsurance by Type of Insurance (UYU Billion), 2012-2017
Table 182: Uruguayan Premium Ceded to Reinsurance by Type of Insurance (US$ Million), 2012-2017
Table 183: Uruguayan Life Insurance - Percentage of Reinsurance Ceded (%), 2008-2012
Table 184: Uruguayan Life Insurance - Percentage of Reinsurance Ceded (%), 2012-2017
Table 185: Uruguayan Non-Life Insurance - Percentage of Reinsurance Ceded (%), 2008-2012
Table 186: Uruguayan Non-Life Insurance - Percentage of Reinsurance Ceded (%), 2012-2017
Table 187: Uruguayan Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2008-2012
Table 188: Uruguayan Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2012-2017
Table 189: Uruguay ? Insurance Premium Tax Rates
Table 190: Uruguay ? Corporate Tax Rates for the Financial Year 2013
Table 191: Uruguayan Life Insurance - Direct Marketing Commission Paid (UYU Billion), 2008-2012
Table 192: Uruguayan Life Insurance - Direct Marketing Commission Paid (UYU Billion), 2012-2017
Table 193: Uruguayan Life Insurance - New Business Written Premium Through Direct Marketing (UYU Billion), 2008-2012
Table 194: Uruguayan Life Insurance - New Business Written Premium Through Direct Marketing (UYU Billion), 2012-2017
Table 195: Uruguayan Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2008-2012
Table 196: Uruguayan Life Insurance - New Policies Sold Through Direct Marketing (Thousand), 2012-2017
Table 197: Uruguayan Life Insurance - Bancassurance Commission Paid (UYU Billion), 2008-2012
Table 198: Uruguayan Life Insurance - Bancassurance Commission Paid (UYU Billion), 2012-2017
Table 199: Uruguayan Life Insurance - New Business Written Premium Through Bancassurance (UYU Billion), 2008-2012
Table 200: Uruguayan Life Insurance - New Business Written Premium Through Bancassurance (UYU Billion), 2012-2017
Table 201: Uruguayan Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2008-2012
Table 202: Uruguayan Life Insurance - New Policies Sold Through Bancassurance (Thousand), 2012-2017
Table 203: Uruguayan Life Insurance - Commission Paid to Agencies (UYU Billion), 2008-2012
Table 204: Uruguayan Life Insurance - Commission Paid to Agencies (UYU Billion), 2012-2017
Table 205: Uruguayan Life Insurance - New Business Written Premium Through Agencies (UYU Billion), 2008-2012
Table 206: Uruguayan Life Insurance - New Business Written Premium Through Agencies (UYU Billion), 2012-2017
Table 207: Uruguayan Life Insurance - New Policies Sold Through Agencies (Thousand), 2008-2012
Table 208: Uruguayan Life Insurance - New Policies Sold Through Agencies (Thousand), 2012-2017
Table 209: Uruguayan Life Insurance - E-Commerce Commission Paid (UYU Billion), 2008-2012
Table 210: Uruguayan Life Insurance - E-Commerce Commission Paid (UYU Billion), 2012-2017
Table 211: Uruguayan Life Insurance - New Business Written Premium Through E-Commerce (UYU Billion), 2008-2012
Table 212: Uruguayan Life Insurance - New Business Written Premium Through E-Commerce (UYU Billion), 2012-2017
Table 213: Uruguayan Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2008-2012
Table 214: Uruguayan Life Insurance - New Policies Sold Through E-Commerce (Thousand), 2012-2017
Table 215: Uruguayan Life Insurance - Commission Paid to Brokers (UYU Billion), 2008-2012
Table 216: Uruguayan Life Insurance - Commission Paid to Brokers (UYU Billion), 2012-2017
Table 217: Uruguayan Life Insurance - New Business Written Premium Through Brokers (UYU Billion), 2008-2012
Table 218: Uruguayan Life Insurance - New Business Written Premium Through Brokers (UYU Billion), 2012-2017
Table 219: Uruguayan Life Insurance - New Policies Sold Through Brokers (Thousand), 2008-2012
Table 220: Uruguayan Life Insurance - New Policies Sold Through Brokers (Thousand), 2012-2017
Table 221: Uruguayan Life Insurance - Commission Paid to Other Channels (UYU Million), 2008-2012
Table 222: Uruguayan Life Insurance - Commission Paid to Other Channels (UYU Million), 2012-2017
Table 223: Uruguayan Life Insurance - New Business Written Premium Through Other Channels (UYU Million), 2008-2012
Table 224: Uruguayan Life Insurance - New Business Written Premium Through Other Channels (UYU Million), 2012-2017
Table 225: Uruguayan Life Insurance - New Policies Sold Through Other Channels (Thousand), 2008-2012
Table 226: Uruguayan Life Insurance - New Policies Sold Through Other Channels (Thousand), 2012-2017
Table 227: Uruguayan Non-Life Insurance - Direct Marketing Commission Paid (UYU Billion), 2008-2012
Table 228: Uruguayan Non-Life Insurance - Direct Marketing Commission Paid (UYU Billion), 2012-2017
Table 229: Uruguayan Non-Life Insurance - Written Premium Through Direct Marketing (UYU Billion), 2008-2012
Table 230: Uruguayan Non-Life Insurance - Written Premium Through Direct Marketing (UYU Billion), 2012-2017
Table 231: Uruguayan Non-Life Insurance - Policies Sold Through Direct Marketing (Thousand), 2008-2012
Table 232: Uruguayan Non-Life Insurance - Policies Sold Through Direct Marketing (Thousand), 2012-2017
Table 233: Uruguayan Non-Life Insurance - Bancassurance Commission Paid (UYU Billion), 2008-2012
Table 234: Uruguayan Non-Life Insurance - Bancassurance Commission Paid (UYU Billion), 2012-2017
Table 235: Uruguayan Non-Life Insurance - Written Premium Through Bancassurance (UYU Billion), 2008-2012
Table 236: Uruguayan Non-Life Insurance - Written Premium Through Bancassurance (UYU Billion), 2012-2017
Table 237: Uruguayan Non-Life Insurance - Policies Sold Through Bancassurance (Thousand), 2008-2012
Table 238: Uruguayan Non-Life Insurance - Policies Sold Through Bancassurance (Thousand), 2012-2017
Table 239: Uruguayan Non-Life Insurance - Commission Paid to Agencies (UYU Billion), 2008-2012
Table 240: Uruguayan Non-Life Insurance - Commission Paid to Agencies (UYU Billion), 2012-2017
Table 241: Uruguayan Non-Life Insurance - Written Premium Through Agencies (UYU Billion), 2008-2012
Table 242: Uruguayan Non-Life Insurance - Written Premium Through Agencies (UYU Billion), 2012-2017
Table 243: Uruguayan Non-Life Insurance - Policies Sold Through Agencies (Thousand), 2008-2012
Table 244: Uruguayan Non-Life Insurance - Policies Sold Through Agencies (Thousand), 2012-2017
Table 245: Uruguayan Non-Life Insurance - E-Commerce Commission Paid (UYU Million), 2008-2012
Table 246: Uruguayan Non-Life Insurance - E-Commerce Commission Paid (UYU Million), 2012-2017
Table 247: Uruguayan Non-Life Insurance - Written Premium Through E-Commerce (UYU Million), 2008-2012
Table 248: Uruguayan Non-Life Insurance - Written Premium Through E-Commerce (UYU Million), 2012-2017
Table 249: Uruguayan Non-Life Insurance - Policies Sold Through E-Commerce (Thousand), 2008-2012
Table 250: Uruguayan Non-Life Insurance - Policies Sold Through E-Commerce (Thousand), 2012-2017
Table 251: Uruguayan Non-Life Insurance - Commission Paid to Brokers (UYU Billion), 2008-2012
Table 252: Uruguayan Non-Life Insurance - Commission Paid to Brokers (UYU Billion), 2012-2017
Table 253: Uruguayan Non-Life Insurance - Written Premium Through Brokers (UYU Billion), 2008-2012
Table 254: Uruguayan Non-Life Insurance - Written Premium Through Brokers (UYU Billion), 2012-2017
Table 255: Uruguayan Non-Life Insurance - Policies Sold Through Brokers (Thousand), 2008-2012
Table 256: Uruguayan Non-Life Insurance - Policies Sold Through Brokers (Thousand), 2012-2017
Table 257: Uruguayan Non-Life Insurance - Commission Paid to Other Channels (UYU Billion), 2008-2012
Table 258: Uruguayan Non-Life Insurance - Commission Paid to Other Channels (UYU Billion), 2012-2017
Table 259: Uruguayan Non-Life Insurance - Written Premium Through Other Channels (UYU Billion), 2008-2012
Table 260: Uruguayan Non-Life Insurance - Written Premium Through Other Channels (UYU Billion), 2012-2017
Table 261: Uruguayan Non-Life Insurance - Policies Sold Through Other Channels (Thousand), 2008-2012
Table 262: Uruguayan Non-Life Insurance - Policies Sold Through Other Channels (Thousand), 2012-2017
Table 263: Uruguayan Personal Accident and Health Insurance - Direct Marketing Commission Paid (UYU Million), 2008-2012
Table 264: Uruguayan Personal Accident and Health Insurance - Direct Marketing Commission Paid (UYU Million), 2012-2017
Table 265: Uruguayan Personal Accident and Health Insurance - Written Premium Through Direct Marketing (UYU Million), 2008-2012
Table 266: Uruguayan Personal Accident and Health Insurance - Written Premium Through Direct Marketing (UYU Million), 2012-2017
Table 267: Uruguayan Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2008-2012
Table 268: Uruguayan Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2012-2017
Table 269: Uruguayan Personal Accident and Health Insurance - Bancassurance Commission Paid (UYU Million), 2008-2012
Table 270: Uruguayan Personal Accident and Health Insurance - Bancassurance Commission Paid (UYU Million), 2012-2017
Table 271: Uruguayan Personal Accident and Health Insurance - Written Premium Through Bancassurance (UYU Million), 2008-2012
Table 272: Uruguayan Personal Accident and Health Insurance - Written Premium Through Bancassurance (UYU Million), 2012-2017
Table 273: Uruguayan Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2008-2012
Table 274: Uruguayan Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2012-2017
Table 275: Uruguayan Personal Accident and Health Insurance - Commission Paid to Agencies (UYU Million), 2008-2012
Table 276: Uruguayan Personal Accident and Health Insurance - Commission Paid to Agencies (UYU Million), 2012-2017
Table 277: Uruguayan Personal Accident and Health Insurance - Written Premium Through Agencies (UYU Million), 2008-2012
Table 278: Uruguayan Personal Accident and Health Insurance - Written Premium Through Agencies (UYU Million), 2012-2017
Table 279: Uruguayan Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2008-2012
Table 280: Uruguayan Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2012-2017
Table 281: Uruguayan Personal Accident and Health Insurance - E-Commerce Commission Paid (UYU Million), 2008-2012
Table 282: Uruguayan Personal Accident and Health Insurance - E-Commerce Commission Paid (UYU Million), 2012-2017
Table 283: Uruguayan Personal Accident and Health Insurance - Written Premium Through E-Commerce (UYU Million), 2008-2012
Table 284: Uruguayan Personal Accident and Health Insurance - Written Premium Through E-Commerce (UYU Million), 2012-2017
Table 285: Uruguayan Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2008-2012
Table 286: Uruguayan Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2012-2017
Table 287: Uruguayan Personal Accident and Health Insurance - Commission Paid to Brokers (UYU Million), 2008-2012
Table 288: Uruguayan Personal Accident and Health Insurance - Commission Paid to Brokers (UYU Million), 2012-2017
Table 289: Uruguayan Personal Accident

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