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Synopsis
Timetric’s 'Personal Accident and Health Insurance in Norway, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers, challenges in the Norwegian personal accident and health insurance segment.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, total assets, total investment income and retentions during the review period (2010–2014) and forecast period (2014–2019).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Norwegian economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric’s research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary
Timetric’s ' Personal Accident and Health Insurance in Norway, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the Norwegian personal accident and health insurance segment, including:

- The Norwegian personal accident and health insurance segment’s growth prospects by insurance category

- Key trends, drivers and challenges for the personal accident and health insurance segment

- A comprehensive overview of the Norwegian economy and demographics

- The various distribution channels in the Norwegian personal accident and health insurance segment

- Details of the competitive landscape in the personal accident and health insurance segment in Norway

- Details of regulatory policy applicable to the Norwegian insurance industry

Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in Norway:

- It provides historical values for the Norwegian personal accident and health insurance segment for the report’s 2010–2014 review period, and projected figures for the 2014–2019 forecast period.

- It offers a detailed analysis of the key categories in the Norwegian personal accident and health insurance segment, and market forecasts to 2019.

- It analyzes the various distribution channels for personal accident and health insurance products in Norway.

- It profiles the top personal accident and health insurance companies in Norway, and outlines the key regulations affecting them.

Reasons To Buy
- Make strategic business decisions using in-depth historic and forecast market data related to the Norwegian personal accident and health insurance segment, and each category within it.

- Understand the demand-side dynamics, key market trends and growth opportunities in the Norwegian personal accident and health insurance segment.

- Assess the competitive dynamics in the personal accident and health insurance segment.

- Identify growth opportunities and market dynamics in key product categories.

- Gain insights into key regulations governing the Norwegian insurance industry, and their impact on companies and the industry's future.

Key Highlights
- The Norwegian personal accident and health insurance segment grew at a review-period CAGR of 5.6%.

- The Norwegian personal accident and health segment has experience changes such as an increase in strategic alliances in investment portfolios, and changing customer priorities in terms of distribution.

- Direct marketing helps to educate potential clients about insurance products, and e-commerce enables insurers to reach younger, more technologically adept customers.

- The healthcare system is robust and cost-effective, and is funded by taxes; its presence is a challenge for private health insurers.

- Rises in healthcare expenses, the aging population and life expectancy are expected to support the growth of private health insurance over the forecast period.

Table Of Contents

Personal Accident and Health Insurance in Norway, Key Trends and Opportunities to 2019
Table of Contents
1 Key Facts and Highlights
2 Executive Summary
3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology
4 Economy and Demographics
5 Personal Accident and Health Insurance Segment Outlook
5.1 Key Drivers
5.2 Key Trends
5.3 Challenges
5.4 Personal Accident and Health Insurance Growth Prospects by Category
5.4.1 Personal accident insurance
5.4.2 Travel insurance
5.4.3 Health insurance
5.4.4 Non-life health insurance
6 Analysis by Distribution Channel
7 Competitive Landscape and Strategic Insights
7.1 Overview
7.2 Leading Companies in the Norway Personal Accident and Health Insurance Segment
7.2.1 Gjensidige Forsikring ASA - company overview
7.2.2 If Skadeforsikring NUF - company overview
7.2.3 Tryg Forsikring - company overview
7.2.4 Sparebank 1 Forsikring - company overview
7.2.5 DNB Forsikring ASA - company overview
7.2.6 Eika Forsikring AS - company overview
7.2.7 Codan Forsikring - company overview
7.2.8 Protector Forsikring - company overview
7.2.9 Frende Skadeforsikring - company overview
7.2.10 Storebrand ASA - company overview
8 Governance, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Latest Changes in Regulations
8.3 Legislation and Market Practice by Type of Insurance
8.3.1 Life insurance
8.3.2 Property insurance
8.3.3 Motor insurance
8.3.4 Liability insurance
8.3.5 Marine, aviation and transit insurance
8.3.6 Personal accident and health insurance
8.4 Compulsory Insurance
8.4.1 Workmen's compensation
8.4.2 Motor third-party liability insurance
8.4.3 Natural disaster insurance for property cover
8.4.4 Professional indemnity insurance for alternative investment fund managers
8.5 Supervision and Control
8.5.1 International Association of Insurers Supervisors
8.5.2 European Insurance and Occupational Pensions Authority (EIOPA)
8.5.3 The Financial Supervisory Authority of Norway (FSA)
8.5.4 The Nordic Association of Marine Insurers (Sjøassurandørernes Centralforening - Cefor)
8.6 Non-Admitted Insurance Regulations
8.6.1 Overview
8.6.2 Intermediaries
8.6.3 Market practices
8.6.4 Fines and penalties
8.7 Company Registration and Operations
8.7.1 Types of insurance organization
8.7.2 Establishing a local company
8.7.3 Foreign ownership
8.7.4 Types of license
8.7.5 Capital requirements
8.7.6 Solvency margins
8.7.7 Reserve requirements
8.7.8 Investment regulations
8.7.9 Statutory return requirements
8.7.10 Fee structure
8.8 Taxation
8.8.1 Insurance premium or policy taxation
8.8.2 Withholding taxes on premium paid overseas
8.8.3 Corporate tax
8.8.4 VAT
8.8.5 Captives
8.9 Legal System
8.9.1 Introduction
8.9.2 Access to court
8.9.3 Alternative dispute resolution (ADR)
9 Appendix
9.1 Methodology
9.2 Contact Timetric
9.3 About Timetric
9.4 Timetric's Services
9.5 Disclaimer

List of Tables
Table 1: Norwegian Personal Accident and Health Insurance - Key Facts, 2014
Table 2: Insurance Industry Definitions
Table 3: Norwegian Government Credit Ratings
Table 4: Norwegian Personal Accident and Health Insurance - Gross Written Premium by Category (NOK Billion), 2010-2014
Table 5: Norwegian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2010-2014
Table 6: Norwegian Personal Accident and Health Insurance - Gross Written Premium by Category (NOK Billion), 2014-2019
Table 7: Norwegian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2014-2019
Table 8: Norwegian Personal Accident and Health Insurance - Direct Written Premium by Category (NOK Billion), 2010-2014
Table 9: Norwegian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2010-2014
Table 10: Norwegian Personal Accident and Health Insurance - Direct Written Premium by Category (NOK Billion), 2014-2019
Table 11: Norwegian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2014-2019
Table 12: Norwegian Personal Accident and Health Insurance - Net Earned Premium (NOK Billion), 2010-2014
Table 13: Norwegian Personal Accident and Health Insurance - Net Earned Premium (NOK Billion), 2014-2019
Table 14: Norwegian Personal Accident and Health Insurance - Paid Claims by Category (NOK Billion), 2010-2014
Table 15: Norwegian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2010-2014
Table 16: Norwegian Personal Accident and Health Insurance - Paid Claims by Category (NOK Billion), 2014-2019
Table 17: Norwegian Personal Accident and Health Insurance - Paid Claims by Category (US$ Million), 2014-2019
Table 18: Norwegian Personal Accident and Health Insurance - Incurred Loss by Category (NOK Billion), 2010-2014
Table 19: Norwegian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2010-2014
Table 20: Norwegian Personal Accident and Health Insurance - Incurred Loss by Category (NOK Billion), 2014-2019
Table 21: Norwegian Personal Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2014-2019
Table 22: Norwegian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
Table 23: Norwegian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
Table 24: Norwegian Personal Accident and Health Insurance - Commission and Expenses (NOK Billion), 2010-2014
Table 25: Norwegian Personal Accident and Health Insurance - Commission and Expenses (NOK Billion), 2014-2019
Table 26: Norwegian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
Table 27: Norwegian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
Table 28: Norwegian Personal Accident and Health Insurance - Number of Policies Per Capita, 2010-2014
Table 29: Norwegian Personal Accident and Health Insurance - Number of Policies Per Capita, 2014-2019
Table 30: Norwegian Personal Accident and Health Insurance - Total Assets (NOK Billion), 2010-2014
Table 31: Norwegian Personal Accident and Health Insurance - Total Assets (NOK Billion), 2014-2019
Table 32: Norwegian Personal Accident and Health Insurance - Total Investment Income (NOK Billion), 2010-2014
Table 33: Norwegian Personal Accident and Health Insurance - Total Investment Income (NOK Billion), 2014-2019
Table 34: Norwegian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2010-2014
Table 35: Norwegian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2014-2019
Table 36: Norwegian Personal Accident Insurance - Number of Policies Sold (Thousand), 2010-2014
Table 37: Norwegian Personal Accident Insurance - Number of Policies Sold (Thousand), 2014-2019
Table 38: Norwegian Personal Accident Insurance - Direct Written Premium (NOK Billion), 2010-2014
Table 39: Norwegian Personal Accident Insurance - Direct Written Premium (NOK Billion), 2014-2019
Table 40: Norwegian Personal Accident Insurance - Loss Ratio (%), 2010-2014
Table 41: Norwegian Personal Accident Insurance - Loss Ratio (%), 2014-2019
Table 42: Norwegian Travel Insurance - Number of Policies Sold (Thousand), 2010-2014
Table 43: Norwegian Travel Insurance - Number of Policies Sold (Thousand), 2014-2019
Table 44: Norwegian Travel Insurance - Direct Written Premium (NOK Billion), 2010-2014
Table 45: Norwegian Travel Insurance - Direct Written Premium (NOK Billion), 2014-2019
Table 46: Norwegian Travel Insurance - Loss Ratio (%), 2010-2014
Table 47: Norwegian Travel Insurance - Loss Ratio (%), 2014-2019
Table 48: Norwegian Health Insurance - Gross Written Premium by Sub-Category (NOK Billion), 2010-2014
Table 49: Norwegian Health Insurance - Gross Written Premium by Sub-Category (US$ Million), 2010-2014
Table 50: Norwegian Health Insurance - Gross Written Premium by Sub-Category (NOK Billion), 2014-2019
Table 51: Norwegian Health Insurance - Gross Written Premium by Sub-Category (US$ Million), 2014-2019
Table 52: Norwegian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2010-2014
Table 53: Norwegian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2014-2019
Table 54: Norwegian Non-Life Health Insurance - Direct Written Premium (NOK Billion), 2010-2014
Table 55: Norwegian Non-Life Health Insurance - Direct Written Premium (NOK Billion), 2014-2019
Table 56: Norwegian Non-Life Health Insurance - Paid Claim (NOK Billion), 2010-2014
Table 57: Norwegian Non-Life Health Insurance - Paid Claim (NOK Billion), 2014-2019
Table 58: Norwegian Non-Life Health Insurance - Loss Ratio (%), 2010-2014
Table 59: Norwegian Non-Life Health Insurance - Loss Ratio (%), 2014-2019
Table 60: Norway Personal Accident and Health Insurance -top 10 insurers, 2014
Table 61: Gjensidige Forsikring ASA, Key Facts
Table 62: Gjensidige Forsikring Key Financials (NOK Million), 2010-2014
Table 63: If Skadeforsikring NUF, Key Facts
Table 64: Tryg Forsikring, Key Facts
Table 65: Tryg Forsikring, Key Financials (NOK Million), 2010-2014
Table 66: Sparebank 1 Forsikring, Key Facts
Table 67: Sparebank 1 Forsikring, Key Financials (NOK Million), 2010-2014
Table 68: DNB Forsikring ASA, Key Facts
Table 69: Eika Forsikring AS, Key Facts
Table 70: Eika Forsikring, Key Financials (NOK Million), 2010-2014
Table 71: Codan Forsikring, Key Facts
Table 72: Protector Forsikring, Key Facts
Table 73: Protector Forsikring, Key Financials (NOK Million), 2010-2014
Table 74: Frende Skadeforsikring, Key Facts
Table 75: Storebrand, Key Facts
Table 76: Norway - Insurance Regulatory Framework Key Features
Table 77: Norway - Life Insurance Regulatory Framework
Table 78: Norway - Property Insurance Regulatory Framework
Table 79: Norway - Motor Insurance Regulatory Framework
Table 80: Norway - Liability Insurance Regulatory Framework
Table 81: Norway - Corporate Tax Rates for the Financial Year 2015

List of Figures
Figure 1: Norwegian Real GDP (NOK Trillion), 2010-2019
Figure 2: NOK/US$ Exchange Rate, 2010-2019
Figure 3: Norwegian Consumer Price Inflation (%), 2010-2019
Figure 4: Norwegian Current Account Balance as Percentage of GDP (%), 2010-2014
Figure 5: Norwegian Unemployment Rate, 2010-2019
Figure 6: Norwegian Population by Age Group, 1991-2025
Figure 7: Norwegian Personal Accident and Health Insurance - Gross Written Premium by Category (NOK Billion), 2010-2019
Figure 8: Norwegian Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2014 and 2019
Figure 9: Norwegian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 10: Norwegian Personal Accident and Health Insurance - Direct Written Premium by Category (NOK Billion), 2010-2019
Figure 11: Norwegian Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2014 and 2019
Figure 12: Norwegian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019
Figure 13: Norwegian Personal Accident and Health Insurance - Net Earned Premium (NOK Billion), 2010-2014
Figure 14: Norwegian Personal Accident and Health Insurance - Net Earned Premium (NOK Billion), 2014-2019
Figure 15: Norwegian Personal Accident and Health Insurance - Paid Claims by Category (NOK Billion), 2010-2019
Figure 16: Norwegian Personal Accident and Health Insurance - Incurred Loss by Category (NOK Billion), 2010-2019
Figure 17: Norwegian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014
Figure 18: Norwegian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019
Figure 19: Norwegian Personal Accident and Health Insurance - Commission and Expenses (NOK Billion), 2010-2014
Figure 20: Norwegian Personal Accident and Health Insurance - Commission and Expenses (NOK Billion), 2014-2019
Figure 21: Norwegian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014
Figure 22: Norwegian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019
Figure 23: Norwegian Personal Accident and Health Insurance - Number of Policies Per Capita, 2010-2014
Figure 24: Norwegian Personal Accident and Health Insurance - Number of Policies Per Capita, 2014-2019
Figure 25: Norwegian Personal Accident and Health Insurance - Total Assets (NOK Billion), 2010-2014
Figure 26: Norwegian Personal Accident and Health Insurance - Total Assets (NOK Billion), 2014-2019
Figure 27: Norwegian Personal Accident and Health Insurance - Total Investment Income (NOK Billion), 2010-2014
Figure 28: Norwegian Personal Accident and Health Insurance - Total Investment Income (NOK Billion), 2014-2019
Figure 29: Norwegian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2010-2014
Figure 30: Norwegian Personal Accident and Health Insurance - Net Written Premium as a Percentage of Gross Written Premium (%), 2014-2019
Figure 31: Norwegian Personal Accident and Health Insurance - Investment Portfolio (NOK Billion), 2010-2014
Figure 32: Norwegian Personal Accident and Health Insurance - Investment Portfolio (% Share), 2010 and 2014
Figure 33: Norwegian Personal Accident and Health Insurance Penetration (%), 2010-2014
Figure 34: Norwegian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2010-2014
Figure 35: Norwegian Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2014-2019
Figure 36: Norwegian Personal Accident and Health Insurance - Direct Premium per Capita (MXN), 2010-2014
Figure 37: Norwegian Personal Accident Insurance - Number of Policies Sold (Thousand), 2010-2014
Figure 38: Norwegian Personal Accident Insurance - Number of Policies Sold (Thousand), 2014-2019
Figure 39: Norwegian Personal Accident Insurance - Direct Written Premium (NOK Billion), 2010-2014
Figure 40: Norwegian Personal Accident Insurance - Direct Written Premium (NOK Billion), 2014-2019
Figure 41: Norwegian Personal Accident Insurance - Loss Ratio (%), 2010-2014
Figure 42: Norwegian Personal Accident Insurance - Loss Ratio (%), 2014-2019
Figure 43: Norwegian Travel Insurance - Number of Policies Sold (Thousand), 2010-2014
Figure 44: Norwegian Travel Insurance - Number of Policies Sold (Thousand), 2014-2019
Figure 45: Norwegian Travel Insurance - Direct Written Premium (NOK Billion), 2010-2014
Figure 46: Norwegian Travel Insurance - Direct Written Premium (NOK Billion), 2014-2019
Figure 47: Norwegian Travel Insurance - Loss Ratio (%), 2010-2014
Figure 48: Norwegian Travel Insurance - Loss Ratio (%), 2014-2019
Figure 49: Norwegian Health Insurance - Gross Written Premium by Sub-Category (NOK Billion), 2010-2019
Figure 50: Norwegian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2010-2014
Figure 51: Norwegian Non-Life Health Insurance - Number of Policies Sold (Thousand), 2014-2019
Figure 52: Norwegian Non-Life Health Insurance - Direct Written Premium (NOK Billion), 2010-2014
Figure 53: Norwegian Non-Life Health Insurance - Direct Written Premium (NOK Billion), 2014-2019
Figure 54: Norwegian Non-Life Health Insurance - Paid Claim (NOK Billion), 2010-2014
Figure 55: Norwegian Non-Life Health Insurance - Paid Claim (NOK Billion), 2014-2019
Figure 56: Norwegian Non-Life Health Insurance - Loss Ratio (%), 2010-2014
Figure 57: Norwegian Non-Life Health Insurance - Loss Ratio (%), 2014-2019
Figure 58: Norway - The Three Pillars of Solvency II
Figure 59: Norway - Insurance Supervision and Control at Various Levels
Figure 60: Norway - Insurance Regulatory Frameworks for Company Registration and Operation

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