Personal Accident and Health Insurance in Brazil, Key Trends and Opportunities to 2015

• Publication date: December 2011

Synopsis The report provides top-level market analysis, information and insights relating to the Brazilian personal accident and health insurance industry, including: • The Brazilian personal accident and health insurance industry’s growth prospects by product category and customer segment • The various distribution channels in the Brazilian personal accident and health insurance industry • The competitive landscape...

Synopsis

The report provides top-level market analysis, information and insights relating to the Brazilian personal accident and health insurance industry, including:
• The Brazilian personal accident and health insurance industry’s growth prospects by product category and customer segment
• The various distribution channels in the Brazilian personal accident and health insurance industry
• The competitive landscape in the personal accident and health insurance industry
• A description of the personal accident and health reinsurance market in Brazil

Executive Summary

In 2010, the Brazilian personal accident and health insurance market recorded the third-largest share in terms of total retained premiums of the Brazilian insurance industry. The market was driven by the robust economic growth in Brazil, increased penetration of health insurance products, rising disposable income and better awareness of the need for health insurance in the country. Another key driver of growth in the Brazilian personal accident and health insurance market has been the significant increase in the number of companies that offer health insurance as an employee benefit.

Scope

This report provides a comprehensive analysis of the personal accident and health insurance market in Brazil:
• It provides historical values for Brazil’s personal accident and health insurance industry for the report’s 2006–2010 review period and forecast figures for the 2011–2015 forecast period
• It offers a detailed analysis of the key sub-segments in Brazil’s personal accident and health insurance industry, along with market forecasts until 2015
• 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 Brazil
• Using Porter’s industry-standard “Five Forces” analysis, it details the competitive landscape in Brazil for the personal accident and health insurance business
• It provides a detailed analysis of the reinsurance market in Brazil and its growth prospects
• It profiles the top personal accident and health insurance companies in Brazil, and outlines the key regulations affecting them

Reasons To Buy

• Make strategic business decisions using top-level historic and forecast market data related to the Brazilian personal accident and health insurance industry and each sector within it
• Understand the demand-side dynamics, key market trends and growth opportunities within the Brazilian personal accident and health insurance industry
• Assess the competitive dynamics in the personal accident and health insurance industry, along with the reinsurance segment
• Identify the growth opportunities and industry dynamics within key product categories
• Gain insights into key regulations governing the Brazilian personal accident and health insurance industry and its impact on companies and the industry's future

Key Highlights

• The growth in Brazil's personal accident and health insurance market can be attributed to robust economic growth in Brazil, increased penetration of health insurance products, rising disposable income and better awareness of the need for health insurance in the country
• Group health insurance policies are expected to increase their market share during the forecast period
• The health insurance regulatory authority ANS has introduced several regulations that aimed at better disclosure norms, pricing of health insurance policies and increasing accountability of health insurance providers
• The personal accident and health insurance market is dominated by domestic Brazilian public health insurance companies. The market is concentrated with the leading eight personal accident and health insurance companies accounting for a 69 percent share of total retained premiums in 2010
• Smaller private personal accident and health insurance companies in the country are under pressure as a result of capital constraints and rising competition. To enhance their competitiveness, many small health insurers are planning to enter into partnership with foreign companies.

Health Insurance Industry in Brazil

Table of Contents

1 Executive Summary
2 Brazil Insurance Industry Attractiveness
2.1 Insurance Industry Market Size, 2006-2015
2.2 Key Industry Trends and Drivers
2.2.1 Business drivers
2.2.2 Consumer drivers
2.3 Recent market developments
3 Personal Accident and Health Insurance Industry Outlook
3.1 Personal Accident and Health Insurance Growth Prospects by Segment
3.1.1 Personal accident insurance segment market size, 2006-2015
3.1.2 Travel insurance segment market size, 2006-2015
3.1.3 Health Insurance Category Market Size, 2006-2015
4 Analysis by Distribution Channel
4.1 Direct Marketing Channel Market Size, 2006-2015
4.2 Bancassurance Channel Market Size, 2006-2015
4.3 Brokers Channel Market Size, 2006-2015
4.4 Other Channel Market Size, 2006-2015
5 Regulatory Policies
6 Porter's Five Forces Analysis - Brazilian Personal Accident and Health Insurance Industry
6.1 Bargaining Power of Supplier: Low
6.2 Bargaining Power of Buyer: Low to Medium
6.3 Barriers to Entry: Medium to High
6.4 Intensity of Rivalry: Medium to High
6.5 Threat of Substitutes: Low
7 Reinsurance Growth Dynamics and Challenges
7.1 Reinsurance market size, 2006-2015
7.2 Reinsurance Market Size by Segment, 2006-2015
8 Competitive Landscape and Strategic Insights
8.1 Overview
8.2 Leading Companies in the Brazilian personal accident and health insurance Industry
8.3 Porto Seguro S.A - Company Overview
8.3.1 Porto Seguro S.A - key facts
8.3.2 Porto Seguro S.A - main products and services
8.3.3 Porto Seguro S.A - main competitors
8.3.4 Porto Seguro S.A - key employees
8.4 Itau Unibanco Holding SA - Company Overview
8.4.1 Itau Unibanco Holding SA - key facts
8.4.2 Itau Unibanco Holding SA - main products and services
8.4.3 Itau Unibanco Holding SA, Main Products and Services
8.4.4 Itau Unibanco Holding SA - key employees
8.5 Amil Assistência Médica Internacional Ltda. - Company Overview
8.5.1 Amil Assistência Médica Internacional Ltda. - key facts
8.5.2 Amil Assistência Médica Internacional Ltda. - main products and services
8.5.3 Amil Assistência Médica Internacional Ltda. - main competitors
8.5.4 Amil Assistência Médica Internacional Ltda. - key employees
8.6 Bradesco Seguros S.A - Company Overview
8.6.1 Bradesco Seguros S.A - key facts
8.6.2 Bradesco Seguros S.A - main products and servicess
8.6.3 Bradesco Seguros S.A - main competitors
8.6.4 Bradesco Seguros S.A - Key Employes
8.7 Sul America SA - Company Overview
8.7.1 Sul America SA - key facts
8.7.2 Sul America SA - main products and services
8.7.3 Sul America SA - main competitors
8.7.4 Sul America SA - Key employees
8.8 Unimed Paulistana - Company Overview
8.8.1 Unimed Paulistana - key facts
8.8.2 Unimed Paulistana - main products and services
8.8.3 Unimed Paulistana - main competitors
8.8.4 Unimed Paulistana - key employees
8.9 Intermédica Sistema de Saúde S/A- Company Overview
8.9.1 Intermédica Sistema de Saúde S/A- key facts
8.9.2 Intermédica Sistema de Saúde S/A- main products and services
8.9.3 Intermédica Sistema de Saúde S/A- main competitors
8.9.4 Intermédica Sistema de Saúde S/A- key employees
9 Business Environment and Country Risk
9.1 Business Confidence
9.1.1 Business confidence index
9.1.2 Market capitalization trend - Bovespa index, Brazil
9.2 Economic Performance
9.2.1 GDP at constant prices
9.2.2 GDP per capita at constant prices
9.2.3 GDP at current prices
9.2.4 GDP per capita at current prices
9.2.5 Agriculture - agricultural output value at current prices (BRL)
9.2.6 Agriculture - agricultural output value at current prices (US Dollar)
9.2.7 Agriculture - agricultural output at current prices as a percentage of GDP
9.2.8 Manufacturing - manufacturing output at current prices (BRL)
9.2.9 Manufacturing - manufacturing output at current prices (US Dollar)
9.2.10 Manufacturing - manufacturing output at current prices as a percentage of GDP
9.2.11 Manufacturing - mining, manufacturing and utilities at current prices (BRL)
9.2.12 Manufacturing - mining, manufacturing and utilities at current prices (US Dollar)
9.2.13 Manufacturing - mining, manufacturing and utilities at current prices as a Percentage of GDP
9.2.14 Construction - construction output at current prices (BRL)
9.2.15 Construction - construction output at current prices (US Dollar)
9.2.16 Construction - construction output at current prices as a percentage of GDP
9.2.17 Industry - crude steel production
9.2.18 Industry - crude oil consumption
9.2.19 Inflation rate
9.2.20 Current account balance as a percentage of GDP
9.2.21 External debt as a percentage of GDP
9.2.22 Exchange rate USD-BRL (annual average)
9.2.23 Exchange rate USD-BRL (end of fiscal)
9.3 Infrastructure Quality and Availability
9.3.1 Transport - passenger vehicle production volume
9.3.2 Transport - commercial vehicle production volume
9.3.3 Transport - automotive components exports trend
9.3.4 Transport - automotive products imports trend
9.3.5 Transport - passenger car penetration
9.3.6 Utilities - total installed capacity for electricity generation
9.3.7 Utilities - installed capacity for conventional thermal electricity generation
9.3.8 Utilities - electricity production
9.3.9 Utilities - Installed capacity for the generation of hydroelectricity
9.3.10 Utilities - Installed capacity for renewable electricity generation
9.3.11 Utilities - electric power consumption
9.3.12 Utilities - electricity exports
9.3.13 Utilities - electricity imports
9.3.14 Healthcare - healthcare expenditure
9.3.15 Healthcare - healthcare expenditure as a percentage of GDP
9.3.16 Healthcare - healthcare expenditure per capita
9.3.17 Communication - total number of internet subscribers
9.3.18 Communication - number of broadband internet subscribers
9.3.19 Communication - personal computer penetration
9.3.20 Communication - mobile phone penetration rate
9.3.21 Technology - research and development expenditure as a percentage of GDP
9.4 Labor Force
9.4.1 Labor force
9.4.2 Unemployment rate
9.5 Demographics
9.5.1 Annual disposable income
9.5.2 Annual per capita disposable income
9.5.3 Annual consumer expenditure on food
9.5.4 Annual per capita consumer expenditure on food
9.5.5 Urban and rural population
9.5.6 Females as a percentage of population
9.5.7 Males as a percentage of the population
9.5.8 Mean age of population
9.5.9 Median age of population
9.5.10 Population density
9.5.11 Age distribution - total population
9.5.12 Age distribution -male population
9.5.13 Age distribution - female population
9.5.14 Number of households
9.6 Political and Social Risk
9.6.1 Political stability
9.6.2 Terrorism index
9.6.3 Transparency index
10 Appendix
10.1 About BRICdata
10.1.1 Our Areas of Expertise
10.2 Methodology
10.3 Definitions
10.4 Disclaimer


List of Tables

Table 1: Brazilian Insurance Overall Written Premium by Segment (BRL Billion), 2006-2010
Table 2: Brazilian Insurance Overall Written Premium by Segment (USD Billion), 2006-2010
Table 3: Brazilian Insurance Overall Written Premium by Segment (BRL Billion), 2010-2015
Table 4: Brazilian Insurance Overall Written Premium Forecast by Segment (USD Billion), 2010-2015
Table 5: Brazilian Insurance Segmentation (%), 2006-2015
Table 6: Personal Accident and Health Insurance Written Premium by Segment (BRL Billion), 2006-2010
Table 7: Personal Accident and Health Insurance Written Premium by Segment (USD Billion), 2006-2010
Table 8: Personal Accident and Health Insurance Written Premium Forecast by Segment (BRL Billion), 2010-2015
Table 9: Personal Accident and Health Insurance Written Premium Forecast by Segment (USD Billion), 2010-2015
Table 10: Personal Accident and Health Insurance Industry - Paid Claims (BRL Billion), by Segment, 2006-2010
Table 11: Personal Accident and Health Insurance Industry - Paid Claims (USD Billion), by Segment, 2006-2010
Table 12: Personal Accident and Health Insurance Industry- Paid Claims Forecast (BRL Billion), by Segment, 2010-2015
Table 13: Personal Accident and Health Insurance Industry - Paid Claims Forecast (USD Billion), by Segment , 2010-2015
Table 14: Personal Accident and Health Insurance Industry - Incurred Loss (BRL Billion), 2006-2010
Table 15: Personal Accident and Health Insurance Industry - Incurred Loss (BRL Billion), 2006-2010
Table 16: Personal Accident and Health Insurance Industry Loss Ratio (%), 2006-2010
Table 17: Personal Accident and Health Insurance Industry Loss Ratio (%), 2010-2015
Table 18: Personal Accident and Health Insurance Industry - Frauds and Crimes (BRL Billion), 2006-2010
Table 19: Personal Accident and Health Insurance Industry - Frauds and Crimes (BRL Billion), 2010-2015
Table 20: Personal Accident and Health Insurance Industry - Total Assets (BRL Billion), 2006-2010
Table 21: Personal Accident and Health Insurance Industry - Total Assets (BRL Billion), 2010-2015
Table 22: Personal Accident and Health Insurance Industry - Total Investment Income (BRL Billion), 2006-2010
Table 23: Personal Accident and Health Insurance Industry - Total Investment Income (BRL Billion), 2010-2015
Table 24: Personal Accident and Health Insurance Industry - Retentions (BRL Billion), 2006-2010
Table 25: Personal Accident and Health Insurance Industry - Retentions (BRL Billion), 2010-2015
Table 26: Personal Accident Insurance Segment by Volume ('000), 2006-2010
Table 27: Personal Accident Insurance Segment by Volume ('000), 2010-2015
Table 28: Personal Accident Insurance Segment by Written Premium (BRL Billion), 2006-2010
Table 29: Personal Accident Insurance Segment by Written Premium (BRL Billion), 2010-2015
Table 30: Travel Insurance Segment by Volume ('000), 2006-2010
Table 31: Travel Insurance Segment by Volume ('000), 2010-2015
Table 32: Travel Insurance Segment by Written Premium (BRL Billion), 2006-2010
Table 33: Travel Insurance Segment by Written Premium (BRL Billion), 2010-2015
Table 34: Health Insurance Category by Volume ('000), 2006-2010
Table 35: Health Insurance Category by Volume ('000), 2010-2015
Table 36: Health Insurance Category by Written Premium (BRL Billion), 2006-2010
Table 37: Health Insurance Category by Written Premium (BRL Billion), 2010-2015
Table 38: Personal Accident and Health Insurance Industry - Direct Marketing Commission Paid (BRL Billion), 2006-2010
Table 39: Personal Accident and Health Insurance Industry - Direct Marketing Commission Paid (BRL Billion), 2010-2015
Table 40: Personal Accident and Health Insurance Industry - Written Premium through Direct Marketing (BRL Billion), 2006-2010
Table 41: Personal Accident and Health Insurance Industry - Written Premium through Direct Marketing (BRL Billion), 2010-2015
Table 42: Personal Accident and Health Insurance Policies Sold through Direct Marketing ('000), 2006-2010
Table 43: Personal Accident and Health Insurance Policies Sold through Direct Marketing ('000), 2010-2015
Table 44: Personal Accident and Health Insurance Industry - Number of Direct Marketing Distributors, 2006-2010
Table 45: Personal Accident and Health Insurance Industry - Number of Direct Marketing Distributors, 2010-2015
Table 46: Personal Accident and Health Insurance Industry - Bancassurance Commission Paid (BRL Billion), 2006-2010
Table 47: Personal Accident and Health Insurance Industry - Bancassurance Commission Paid (BRL Billion), 2010-2015
Table 48: Personal Accident and Health Insurance Industry - Written Premium through Bancassurance (BRL Billion), 2006-2010
Table 49: Personal Accident and Health Insurance Industry - Written Premium through Bancassurance (BRL Billion), 2010-2015
Table 50: Personal Accident and Health Insurance Policies Sold through Bancassurance ('000), 2006-2010
Table 51: Personal Accident and Health Insurance Policies Sold through Bancassurance ('000), 2010-2015
Table 52: Personal Accident and Health Insurance Industry - Number of Bancassurance Distributors, 2006-2010
Table 53: Personal Accident and Health Insurance Industry - Number of Bancassurance Distributors, 2010-2015
Table 54: Personal Accident and Health Insurance Industry - Commission Paid to Agencies (BRL Billion), 2006-2010
Table 55: Personal Accident and Health Insurance Industry - Commission Paid to Agencies (BRL Billion), 2010-2015
Table 56: Personal Accident and Health Insurance Industry - Written Premium through Agencies (BRL Billion), 2006-2010
Table 57: Personal Accident and Health Insurance Industry - Written Premium through Agencies (BRL Billion), 2010-2015
Table 58: Personal Accident and Health Insurance Policies Sold through Agencies ('000), 2006-2010
Table 59: Personal Accident and Health Insurance Policies Sold through Agencies ('000), 2010-2015
Table 60: Personal Accident and Health Insurance Industry - Number of Agencies, 2006-2010
Table 61: Personal Accident and Health Insurance Industry - Number of Agencies, 2010-2015
Table 62: Personal Accident and Health Insurance Industry - Commission Paid to Other Channels (BRL Billion), 2006-2010
Table 63: Personal Accident and Health Insurance Industry - Commission Paid to Other Channels (BRL Billion), 2010-2015
Table 64: Personal Accident and Health Insurance Industry - Written Premium through Other Channels (BRL Billion), 2006-2010
Table 65: Personal Accident and Health Insurance Industry - Written Premium through Other Channels (BRL Billion), 2010-2015
Table 66: Personal Accident and Health Insurance Policies Sold through Other Channels ('000), 2006-2010
Table 67: Personal Accident and Health Insurance Policies Sold through Other Channels ('000), 2010-2015
Table 68: Personal Accident and Health Insurance Industry - Number of Distributors in Other Channels, 2006-2010
Table 69: Personal Accident and Health Insurance Industry - Number of Distributors in Other Channels, 2010-2015
Table 70: Reinsurance Market in Brazil by Category (BRL Billion), 2006-2010
Table 71: Reinsurance Market in Brazil by Category (USD Billion), 2006-2010
Table 72: Reinsurance Market in Brazil by Category (BRL Billion), 2010-2015
Table 73: Reinsurance Market in Brazil by Category (USD Billion), 2010-2015
Table 74: Reinsurance Ceded by Segment (BRL Billion), 2006-2010
Table 75: Reinsurance Ceded by Segment (USD Billion), 2006-2010
Table 76: Reinsurance Ceded Forecast by Segment (BRL Billion), 2010-2015
Table 77: Reinsurance Market in Brazil by Category (USD Billion), 2010-2015
Table 78: Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2006-2010
Table 79: Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2010-2015
Table 80: Brazilian Personal Accident and Health Insurance Market share, 2006-2010
Table 81: Porto Seguro S.A, Key Facts
Table 82: Porto Seguro S.A, Main Products and Services
Table 83: Porto Seguro S.A, Key Employees
Table 84: Itau Unibanco Holding SA, Key Facts
Table 85: Itau Unibanco Holding SA, Main Products and Services
Table 86: Itau Unibanco Holding SA, Key Employees
Table 87: Amil Assistência Médica Internacional Ltda., Key Facts
Table 88: Amil Assistência Médica Internacional Ltda., Main Products and Services
Table 89: Amil Assistência Médica Internacional Ltda., Key Employees
Table 90: Bradesco Seguros S.A, Key Facts
Table 91: Bradesco Seguros S.A, Main Products and Services
Table 92: Bradesco Seguros S.A, Key Employees
Table 93: Sul America SA., Ltd., Key Facts
Table 94: Sul America SA, Main Products and Services
Table 95: Sul America SA, Key Employees
Table 96: Unimed Paulistana, Key Facts
Table 97: Unimed Paulistana, Main Products and Services
Table 98: Unimed Paulistana, Key Employees
Table 99: Intermédica Sistema de Saúde S/A, Key Facts
Table 100: Intermédica Sistema de Saúde S/A, Main Products and Services
Table 101: Intermédica Sistema de Saúde S/A, Key Employees
Table 102: Insurance Industry Definitions


List of Figures
Figure 1: Brazilian Insurance Overall Written Premium by Segment (BRL Billion), 2006-2015
Figure 2: Brazilian Insurance Market Dynamics by Segment, 2006-2015
Figure 3: Personal Accident and Health Insurance Written Premium and Forecast by Segment (BRL Billion), 2006-2015
Figure 4: Personal Accident and Health Insurance Written Premium, by Segment, 2010 and 2015
Figure 5: Brazil Personal Accident and Health Insurance Market Dynamics, by Segment, 2006-2015
Figure 6: Personal Accident and Health Insurance Industry - Paid Claims and Forecast (BRL Billion), by Segment, 2006-2015
Figure 7: Personal Accident and Health Insurance Industry - Incurred Loss (BRL Billion), 2006-2010
Figure 8: Personal Accident and Health Insurance Industry - Incurred Loss (BRL Billion), 2010-2015
Figure 9: Personal Accident and Health Insurance Industry Loss Ratio (%), 2006-2010
Figure 10: Personal Accident and Health Insurance Industry Loss Ratio (%), 2010-2015
Figure 11: Personal Accident and Health Insurance Industry - Frauds and Crimes (BRL Billion), 2006-2010
Figure 12: Personal Accident and Health Insurance Industry - Frauds and Crimes (BRL Billion), 2010-2015
Figure 13: Personal Accident and Health Insurance Industry - Total Assets (BRL Billion), 2006-2010
Figure 14: Personal Accident and Health Insurance Industry - Total Assets (BRL Billion), 2010-2015
Figure 15: Personal Accident and Health Insurance Industry - Total Investment Income (BRL Billion), 2006-2010
Figure 16: Personal Accident and Health Insurance Industry - Total Investment Income (BRL Billion), 2010-2015
Figure 17: Personal Accident and Health Insurance Industry - Retentions (BRL Billion), 2006-2010
Figure 18: Personal Accident and Health Insurance Industry - Retentions (BRL Billion), 2010-2015
Figure 19: Personal Accident and Health Insurance Industry - Investment Type (BRL Billion), 2006-2010
Figure 20: Personal Accident and Health Insurance Industry - Investment Type, 2006 and 2010
Figure 21: Personal Accident and Health Insurance Industry - Density and Penetration (%), 2006-2010
Figure 22: Personal Accident and Health Insurance Industry - Number of Policies ('000), 2006-2010
Figure 23: Personal Accident And Health Insurance Industry - Number of Policies ('000), 2010-2015
Figure 24: Personal Accident and Health Insurance Industry - Premium Per Capita (BRL), 2006-2010
Figure 25: Personal Accident Insurance Segment by Volume ('000), 2006-2010
Figure 26: Personal Accident Insurance Segment by Volume ('000), 2010-2015
Figure 27: Personal Accident Insurance Segment by Written Premium (BRL Billion), 2006-2010
Figure 28: Personal Accident Insurance Segment by Written Premium (BRL Billion), 2010-2015
Figure 29: Travel Insurance Segment by Volume ('000), 2006-2010
Figure 30: Travel Insurance Segment by Volume ('000), 2010-2015
Figure 31: Travel Insurance Segment by Written Premium (BRL Billion), 2006-2010
Figure 32: Travel Insurance Segment by Written Premium (BRL Billion), 2010-2015
Figure 33: Health Insurance Category by Volume ('000), 2006-2010
Figure 34: Health Insurance Category by Volume ('000), 2010-2015
Figure 35: Health Insurance Category by Written Premium (BRL Billion), 2006-2010
Figure 36: Health Insurance Category by Written Premium (BRL Billion), 2010-2015
Figure 37: Personal Accident and Health Insurance New Business Written Premium - Distribution Channels, Market Share, 2010 and 2015
Figure 38: Personal Accident and Health Insurance New Business Policies Sold - Distribution Channels, Market Share, 2010 and 2015
Figure 39: Personal Accident and Health Insurance Industry - Direct Marketing Commission Paid (BRL Billion), 2006-2010
Figure 40: Personal Accident and Health Insurance Industry - Direct Marketing Commission Paid (BRL Billion), 2010-2015
Figure 41: Personal Accident and Health Insurance Industry - Written Premium through Direct Marketing (BRL Billion), 2006-2010
Figure 42: Personal Accident and Health Insurance Industry - Written Premium through Direct Marketing (BRL Billion), 2010-2015
Figure 43: Personal Accident and Health Insurance Policies Sold through Direct Marketing ('000), 2006-2010
Figure 44: Personal Accident and Health Insurance Policies Sold through Direct Marketing ('000), 2010-2015
Figure 45: Personal Accident and Health Insurance Industry - Number of Direct Marketing Distributors, 2006-2010
Figure 46: Personal Accident and Health Insurance Industry - Number of Direct Marketing Distributors, 2010-2015
Figure 47: Personal Accident and Health Insurance Industry - Bancassurance Commission Paid (BRL Billion), 2006-2010
Figure 48: Personal Accident and Health Insurance Industry - Bancassurance Commission Paid (BRL Billion), 2010-2015
Figure 49: Personal Accident and Health Insurance Industry - Written Premium through Bancassurance (BRL Billion), 2006-2010
Figure 50: Personal Accident and Health Insurance Industry - Written Premium through Bancassurance (BRL Billion), 2010-2015
Figure 51: Personal Accident and Health Insurance Policies Sold through Bancassurance ('000), 2006-2010
Figure 52: Personal Accident and Health Insurance Policies Sold through Bancassurance ('000), 2010-2015
Figure 53: Personal Accident and Health Insurance Industry - Number of Bancassurance Distributors, 2006-2010
Figure 54: Personal Accident and Health Insurance Industry - Number of Bancassurance Distributors, 2010-2015
Figure 55: Personal Accident and Health Insurance Industry - Agencies Commission Paid (BRL Billion), 2006-2010
Figure 56: Personal Accident and Health Insurance Industry - Commission Paid to Agencies (BRL Billion), 2010-2015
Figure 57: Personal Accident and Health Insurance Industry - Written Premium through Agencies (BRL Billion), 2006-2010
Figure 58: Personal Accident and Health Insurance Industry - Written Premium through Agencies (BRL Billion), 2010-2015
Figure 59: Personal Accident and Health Insurance Policies Sold through Agencies ('000), 2006-2010
Figure 60: Personal Accident and Health Insurance Policies Sold through Agencies ('000), 2010-2015
Figure 61: Personal Accident and Health Insurance Industry - Number of Agencies, 2006-2010
Figure 62: Personal Accident and Health Insurance Industry - Number of Agencies, 2010-2015
Figure 63: Personal Accident and Health Insurance Industry - Commission Paid to Other Channels (BRL Billion), 2006-2010
Figure 64: Personal Accident and Health Insurance Industry - Commission Paid to Other Channels (BRL Billion), 2010-2015
Figure 65: Personal Accident and Health Insurance Industry - Written Premium through Other Channels (BRL Billion), 2006-2010
Figure 66: Personal Accident and Health Insurance Industry - Written Premium through Other Channels (BRL Billion), 2010-2015
Figure 67: Personal Accident and Health Insurance Policies Sold through Other Channels ('000), 2006-2010
Figure 68: Personal Accident and Health Insurance Policies Sold through Other Channels ('000), 2010-2015
Figure 69: Personal Accident and Health Insurance Industry - Number of Distributors in Other Channels, 2006-2010
Figure 70: Personal Accident and Health Insurance Industry - Number of Distributors in Other Channels, 2010-2015
Figure 71: Brazilian Personal Accident and Health Insurance Market - Five Forces Analysis
Figure 72: Premium Ceded to Reinsurance by Category (BRL Billion), 2006-2015
Figure 73: Reinsurance Market Dynamics by Category, 2006-2015
Figure 74: Reinsurance Ceded by Segment (BRL Billion), 2006-2015
Figure 75: Reinsurance Market Dynamics by Segment, 2006-2015
Figure 76: Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2006-2010
Figure 77: Personal Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2010-2015
Figure 78: Personal Accident and Health Insurance Industry - Market Share 2006 and 2010
Figure 79: Brazil Business Confidence Index, 2006-2010
Figure 80: Bovespa Index Market Capitalization, 2006-2010
Figure 81: Brazil GDP Value at Constant Prices, 2006-2015
Figure 82: Brazil GDP Per Capita at Constant Prices, 2006-2015
Figure 83: Brazil GDP at Current Prices, 2006-2015
Figure 84: Brazil GDP Per Capita at Current Prices, 2006-2015
Figure 85: Brazil Agricultural Output Value at Current Prices (BRL), 2006-2015
Figure 86: Brazil Agricultural Output Value at Current Prices (US Dollar), 2006-2015
Figure 87: Brazil Agricultural Output at Current Prices as a Percentage of GDP, 2006-2015
Figure 88: Brazil Manufacturing Output at Current Prices (BRL), 2006-2015
Figure 89: Brazil Manufacturing Output at Current Prices(US Dollar), 2006-2015
Figure 90: Brazil Manufacturing Output at Current Prices as a Percentage of GDP, 2006-2015
Figure 91: Brazil Mining, Manufacturing and Utilities Output at Current Prices (BRL), 2006-2015
Figure 92: Brazil Mining, Manufacturing and Utilities Output, at Current Prices (US Dollar), 2006-2015
Figure 93: Brazil Mining, Manufacturing and Utilities Output at Current Prices as a Percentage of GDP, 2006-2015
Figure 94: Brazil Construction Output at Current Prices (BRL), 2006-2015
Figure 95: Brazil Construction Output at Current Prices (US Dollar), 2006-2015
Figure 96: Brazil Construction Output at Current Prices as a Percentage of GDP, 2006-2015
Figure 97: Brazil Crude Steel Production, 2006-2015
Figure 98: Brazil Crude Oil Consumption, 2006-2015
Figure 99: Brazil Inflation Rate, 2006-2015
Figure 100: Brazilian Current Account Balance as a Percentage of GDP (%), 2006-2010
Figure 101: Brazilian External Debt as a Percentage of GDP (%), 2006-2008
Figure 102: Brazil Exchange Rate USD-BRL (Annual Average), 2006-2010
Figure 103: Brazil Exchange Rate (End of Fiscal), 2006-2010
Figure 104: Brazil Passenger Vehicle Production 2006-2015
Figure 105: Brazil Passenger Vehicle Production 2006-2015
Figure 106: Brazil Automotive Components Exports, 2006-2015
Figure 107: Brazil Automotive Components Imports , 2006-2015
Figure 108: Brazil Passenger Car Penetration, 2006-2015
Figure 109: Brazil Total Installed Capacity for Electricity Generation, 2006-2015
Figure 110: Brazil Installed Capacity for Conventional Thermal Electricity Generation, 2006-2015
Figure 111: Brazil Electricity Production, 2006-2015
Figure 112: Brazilian Installed Capacity for the Generation of Hydroelectricity (Million Kilowatts), 2006-2015
Figure 113: Brazilian Installed Capacity for the Generation of Renewable Electricity (Million Kilowatts), 2006-2015
Figure 114: Brazil Electric Power Consumption, 2006-2015
Figure 115: Brazil Electricity Exports, 2006-2015
Figure 116: Brazil Electricity Imports, 2006-2015
Figure 117: Brazil Healthcare Expenditure, 2006-2015
Figure 118: Brazil Healthcare Expenditure as a Percentage of GDP, 2006-2015
Figure 119: Brazil Per Capita Healthcare Expenditure, 2006-2015
Figure 120: Brazil Internet Subscribers, 2006-2015
Figure 121: Brazil Broadband Internet Subscribers, 2006-2015
Figure 122: Brazil Personal Computer Penetration, 2006-2015
Figure 123: Brazil Mobile Phone Penetration, 2006-2010
Figure 124: Brazil R&D Expenditure as a Percentage of GDP, 2006-2015
Figure 125: Brazil Size of Labor Force, 2006-2015
Figure 126: Brazil Unemployment Rate, 2006-2015
Figure 127: Brazil Annual Disposable Income, 2006-2015
Figure 128: Brazil Annual Per Capita Disposable Income, 2006-2015
Figure 129: Brazil Consumer Expenditure on Food, 2006-2015
Figure 130: Brazil Annual Per Capita Consumer Expenditure on Food, 2006-2015
Figure 131: Brazil Urban and Rural Population, 2006-2015
Figure 132: Brazil Female as a Percentage of Population, 2006-2015
Figure 133: Brazil Males as a Percentage of Population, 2006-2015
Figure 134: Brazil Mean Age of Population, 2006-2015
Figure 135: Brazil Median Age of Population, 2006-2015
Figure 136: Brazil Population Density, 2006-2015
Figure 137: Brazil Age-wise Population Distribution, 2006-2015
Figure 138: Brazil Age Distribution of Male Population, 2006-2015
Figure 139: Brazil Age Distribution of Female Population, 2006-2015
Figure 140: Brazil Number of Households, 2006-2015
Figure 141: Global Terrorism Heat Map, 2010-2015
Figure 142: Brazil Transparency Index, 2006-2010