Table of Contents
1 KEY FACTS AND HIGHLIGHTS
2 EXECUTIVE SUMMARY
3 ECONOMY AND DEMOGRAPHICS
4 SEGMENT OUTLOOK
4.1 Regional Comparison
4.2 Segment Indicators
4.2.1 Gross written premium and penetration
4.2.2 Claims
4.2.3 Profitability
4.2.4 Assets and investments
5 DISTRIBUTION CHANNEL OUTLOOK
6 COMPETITIVE LANDSCAPE
6.1 Company Profiles
6.1.1 Manulife Financial Corporation - company overview
6.1.2 The Great-West Life Assurance Company - company overview
6.1.3 Sun Life Financial Inc - company overview
6.1.4 The Standard Life Assurance Company of Canada - company overview
6.1.5 RBC Life Insurance Company - company overview
6.1.6 Co-operators Life Insurance Company - company overview
6.1.7 BMO Life Insurance Company - company overview
6.1.8 The Empire Life Insurance Company - company overview
6.1.9 Transamerica Life Canada - company overview
6.1.10 The Equitable Life Insurance Company of Canada - company overview
7 GOVERNANCE, RISK AND COMPLIANCE
7.1 Legislation Overview and Historical Evolution
7.2 Latest Changes in Regulation
7.3 Legislation and Market Practice by Type of Insurance
7.3.1 Life insurance
7.3.2 Property insurance
7.3.3 Motor insurance
7.3.4 Liability insurance
7.3.5 Marine, aviation and transit insurance
7.3.6 Personal accident and health insurance
7.4 Compulsory Insurance
7.4.1 Motor third-party liability insurance
7.4.2 Marine liability insurance
7.4.3 Workmen's compensation
7.4.4 Aviation liability insurance
7.4.5 Liability insurance for ships with respect to oil pollution
7.4.6 Professional indemnity insurance for insurance brokers
7.4.7 Liability insurance for medical malpractice
7.5 Supervision and Control
7.5.1 International Association of Insurance Supervisors
7.5.2 Office of the Superintendent of Financial Institutions Canada
7.5.3 Canadian Council of Insurance Regulators
7.5.4 Canadian Life and Health Insurance Association Inc
7.5.5 Insurance Bureau of Canada
7.6 Non-Admitted Insurance Regulations
7.6.1 Overview
7.6.2 Intermediaries
7.6.3 Market practices
7.6.4 Fines and penalties
7.7 Company Registration and Operations
7.7.1 Type of insurance organization
7.7.2 Establishing a local company
7.7.3 Foreign ownership
7.7.4 Types of license
7.7.5 Capital requirements
7.7.6 Solvency margins
7.7.7 Reserve requirements
7.7.8 Investment regulations
7.7.9 Statutory return requirements
7.7.10 Fee structure
7.8 Taxation
7.8.1 Insurance premium or policy taxation
7.8.2 Withholding taxes on premium paid overseas
7.8.3 Corporate tax
7.8.4 VAT
7.8.5 Captives
7.9 Legal System
7.9.1 Introduction
7.9.2 Access to court
7.9.3 Alternative dispute resolution (ADR)
8 DATABOOK
8.1 Policies and Premium
8.1.1 Claims and expenses
8.1.2 Assets and investments
9 DEFINITIONS AND METHODOLOGY
9.1 Definitions
9.2 Methodology
10 ABOUT TIMETRIC
10.1 Contact Timetric
10.2 About Timetric
10.3 Timetric's Services
10.4 Disclaimer


List of Tables
Table 1: Canadian Personal Accident and Health Insurance - Key Facts, 2015
Table 2: Canadian Leading Companies in Canadian Personal Accident and Health Insurance Segment, 2014
Table 3: Canadian Government Credit Ratings
Table 4: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion and US$ Billion), 2011-2015
Table 5: Canadian Personal Accident and Health Insurance - Penetration (%), 2011-2015
Table 6: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion and US$ Billion), 2015-2020
Table 7: Canadian Personal Accident and Health Insurance - Penetration (%), 2015-2020
Table 8: Canadian Personal Accident and Health Insurance - Premium per Capita (CAD and US$), 2011-2015
Table 9: Canadian Personal Accident and Health Insurance - Premium per Capita (CAD and US$), 2015-2020
Table 10: Canadian Personal Accident and Health Insurance - Paid Claims (CAD Billion and US$ Billion), 2011-2015
Table 11: Canadian Personal Accident and Health Insurance - Paid Claims (CAD Billion and US$ Billion), 2015-2020
Table 12: Canadian Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2015
Table 13: Canadian Personal Accident and Health Insurance - Profitability Ratio (%), 2015-2020
Table 14: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion and US$ Billion), 2011-2015
Table 15: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion and US$ Billion), 2015-2020
Table 16: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion and US$ Billion), 2011-2015
Table 17: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion and US$ Billion), 2015-2020
Table 18: Canadian Personal Accident and Health Insurance - Investment Portfolio (CAD Billion), 2011-2015
Table 19: Canadian Personal Accident and Health Insurance - Investment Portfolio (CAD Billion), 2015-2020
Table 20: Canadian Leading Companies in Canadian Personal Accident and Health Insurance Segment, 2014
Table 21: Manulife Financial Corporation - Key Facts
Table 22: Manulife Financial Corporation - Key Financials (CAD Million), 2010-2014
Table 23: The Great-West Life Assurance Company - Key Facts
Table 24: The Great-West Life Assurance Company - Key Financials (CAD Million), 2010-2014
Table 25: Sun Life Financial Inc. - Key Facts
Table 26: Sun Life Financial Inc. - Key Financials (CAD Million), 2010-2014
Table 27: The Standard Life Assurance Company of Canada - Key Facts
Table 28: The Standard Life Assurance Company of Canada - Key Financials (CAD Million), 2010-2014
Table 29: RBC Life Insurance Company - Key Facts
Table 30: RBC Life Insurance Company - Key Financials (CAD Million), 2010-2014
Table 31: Co-operators Life Insurance Company - Key Facts
Table 32: Co-operators Life Insurance Company - Key Financials (CAD Million), 2010-2014
Table 33: BMO Life Insurance Company - Key Facts
Table 34: BMO Life Insurance Company - Key Financials (CAD Million), 2010-2014
Table 35: The Empire Life Insurance Company - Key Facts
Table 36: BMO Life Insurance Company - Key Financials (CAD Million), 2010-2014
Table 37: Transamerica Life Canada - Key Facts
Table 38: Transamerica Life Canada - Key Financials (CAD Million), 2010-2014
Table 39: The Equitable Life Insurance Company of Canada - Key Facts
Table 40: The Equitable Life Insurance Company of Canada - Key Financials (CAD Million), 2010-2014
Table 41: Canada - Insurance Regulatory Framework Key Features
Table 42: Canada - Life Insurance Regulatory Framework
Table 43: Canada - Property Insurance Regulatory Framework
Table 44: Canada - Motor Insurance Regulatory Framework
Table 45: Canada - Liability Insurance Regulatory Framework
Table 46: Canada - Legislations Governing Automobile Insurance in Each Province and Territory
Table 47: Canada - Workmen's Compensation
Table 48: Canada - Minimum Cover for Aircraft Public Liability Per Accident Per Aircraft
Table 49: Canada - - Minimum Cover for Aircraft Public Liability Per Accident Per Aircraft
Table 50: Canada - Non-Admitted Insurance Regulatory Framework
Table 51: Canada - Capital Requirement for Insurers in Each Province and Territory
Table 52: Canada - Solvency Margin Requirements for Federally Regulated Insurance Companies
Table 53: Canada - Insurance Premium Taxation
Table 54: Canada - Corporate Tax Rates for the Financial Year 2016
Table 55: Canadian Personal Accident and Health Insurance Industry - Policies and Premium, 2011-2015
Table 56: Canadian Personal Accident and Health Insurance Industry - Policies and Premium, 2015-2020
Table 57: Canadian Personal Accident and Health Insurance - Claims and Expenses, 2011-2015
Table 58: Canadian Personal Accident and Health Insurance - Claims and Expenses, 2015-2020
Table 59: Canadian Personal Accident and Health Insurance - Assets and Investments, 2011-2015
Table 60: Canadian Personal Accident and Health Insurance - Assets and Investments, 2015-2020
Table 61: Insurance Industry Definitions


List of Figures
Figure 1: Canadian Real GDP (CAD Trillion), 2011-2020
Figure 2: Canadian Consumer Price Inflation (%), 2011-2020
Figure 3: Canadian Current Account Balance as Percentage of GDP (%), 2011-2015
Figure 4: CAD-US$ Exchange Rate, 2011-2020
Figure 5: Canadian Unemployment Rate, 2011-2020
Figure 6: Canadian Population by Age Group, 1991-2025
Figure 7: Canadian Personal Accident and Health Insurance Penetration - Regional Comparison (%), 2015
Figure 8: Canadian Insurance Segment Direct Written Premium Shares - Regional Comparison (%), 2015
Figure 9: Canadian Personal Accident and Health Insurance - Gross Written Premium (CAD Billion), 2011-2020
Figure 10: Canadian Personal Accident and Health Insurance - Penetration (%), 2011-2020
Figure 11: Canadian Personal Accident and Health Insurance - Premium per Capita (CAD), 2011-2020
Figure 12: Canadian Personal Accident and Health Insurance - Paid Claims (CAD Billion), 2011-2020
Figure 13: Canadian Personal Accident and Health Insurance - Profitability Ratio (%), 2011-2020
Figure 14: Canadian Personal Accident and Health Insurance - Total Assets (CAD Billion), 2011-2020
Figure 15: Canadian Personal Accident and Health Insurance - Total Investment Income (CAD Billion), 2011-2020
Figure 16: Canadian Personal Accident and Health Insurance - Investment Portfolio (CAD Billion), 2011-2020
Figure 17: Canadian Personal Accident and Health Insurance - Investment Portfolio Dynamics by Category, 2011-2020
Figure 18: Canada - Insurance Supervision and Control at Various Levels
Figure 19: Canada - Insurance Regulatory Frameworks for Company Registration and Operation
Figure 20: Canada - Solvency Framework in Different Provinces and Territories
Figure 21: Canada - Judiciary System