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Published: Nov, 2014 | Pages:
242 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)
Synopsis The personal accident and health insurance segment was one of the fastest-growing in the Chilean insurance industry during the review period (2009–2013). The segment primarily benefited from the country’s increasing healthcare cost, compulsory personal accident insurance, compulsory minimum health insurance contributions and growth within the travel and tourism sector. The leading insurers in the segment included MetLife Chile, EuroAmerica and BICE Vida. The segment’s healthy review-period growth is expected to encourage several international companies to enter the segment, making it more competitive over the forecast period (2013−2018). Moreover, government efforts to build a regulatory framework for private health insurers, along with country’s regulatory reforms in line with Europe’s solvency regulations, are projected to support Chilean personal accident and health insurers to build high levels of consumer confidence. Summary The report provides in-depth market analysis, information and insights into the Chilean personal accident and health insurance segment, including: • The Chilean personal accident and health insurance segment’s growth prospects by insurance category • Key trends and drivers for the personal accident and health insurance segment • The various distribution channels in the Chilean personal accident and health insurance segment • The detailed competitive landscape in the personal accident and health insurance segment in Chile • Detailed regulatory policies of the Chilean insurance industry • Analysis of various consumer segments in Chilean personal accident and health insurance • Key developments in the Chilean personal accident and health insurance segment • New products launched by Chilean personal accident and health insurers Scope This report provides a comprehensive analysis of the personal accident and health insurance segment in Chile : • It provides historical values for the Chilean personal accident and health insurance segment for the report’s 2009–2013 review period, and projected figures for the 2013–2018 forecast period. • It offers a detailed analysis of the key categories in the Chilean personal accident and health insurance segment, along with market forecasts until 2018. • 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 Chile . • It profiles the top personal accident and health insurance companies in Chile and outlines the key regulations affecting them. Reasons To Buy • Make strategic business decisions using in-depth historic and forecast market data related to Chilean personal accident and health insurance segment and each category within it. • Understand the demand-side dynamics, key market trends and growth opportunities in the Chilean personal accident and health insurance segment. • Assess the competitive dynamics in the personal accident and health insurance segment. • Identify the growth opportunities and market dynamics in key product categories. • Gain insights into key regulations governing the Chilean insurance segment, and their impact on companies and the industry's future. Key Highlights • The personal accident and health insurance segment was one of the fastest growing in the Chilean insurance industry during the review period (2009–2013). • The segment primarily benefited from the country’s increasing healthcare cost, compulsory personal accident insurance, compulsory minimum health insurance contributions and growth within the travel and tourism sector. • The segment’s healthy review-period growth is expected to encourage several international companies to enter the segment, making it more competitive over the forecast period (2013−2018). • Government efforts to build a regulatory framework for private health insurers, along with country’s regulatory reforms in line with Europe’s solvency regulations, are projected to support Chilean personal accident and health insurers to build high levels of consumer confidence. • Personal accident and health insurers need to develop effective distribution models to meet the needs of the country’s socio-economically diverse regions, as a strong and efficient distribution network enables insurance companies to maintain their cost competiveness.
Table of Contents 1 Executive Summary 2 Introduction 2.1 What is this Report About? 2.2 Definitions 2.3 Methodology 3 Chilean Insurance Industry Attractiveness 3.1 Insurance Industry Size, 2009–2018 3.2 Key Industry Trends and Drivers 3.3 Challenges 3.4 Recent Market Developments 4 Personal Accident and Health Insurance Segment Outlook 4.1 Consumer Segmentation and Buying Behavior 4.2 Product and Marketing Strategies 4.3 Personal Accident and Health Insurance Growth Prospects by Category 4.3.1 Personal accident 4.3.2 Travel insurance 4.3.3 Health insurance 4.3.4 Non-life health insurance 4.3.5 Life health insurance 5 Analysis by Distribution Channels 5.1 Direct Marketing 5.2 Bancassurance 5.3 Agencies 5.4 E-commerce 5.5 Brokers 5.6 Other Channels 6 Porter’s Five Forces Analysis – Chilean Personal Accident and Health Insurance 6.1 Bargaining Power of Suppliers: Low 6.2 Bargaining Power of Buyers: Medium to High 6.3 Barriers to Entry: Medium 6.4 Intensity of Rivalry: Medium to High 6.5 Threat of Substitutes: Low 7 Reinsurance Growth Dynamics and Challenges 7.1 Reinsurance Segment Size, 2009–2018 7.2 Reinsurance Segment Size by Type of Insurance, 2009–2018 8 Governance, Risk and Compliance 8.1 Legislation Overview and Historical Evolution 8.2 Regulations by Type of Insurance 8.2.1 Life insurance regulations 8.2.2 Property insurance regulations 8.2.3 Motor insurance regulations 8.2.4 Marine, aviation and transit insurance regulations 8.2.5 Personal accident and health insurance regulations 8.3 Compulsory Insurance 8.3.1 Insurance for motor vehicles accidents 8.3.2 Insurance for pension fund administrators to guarantee performance 8.3.3 Workmen’s compensation insurance 8.4 Supervision and Control 8.4.1 International Association of Insurance Supervisors 8.4.2 Association of Insurance Supervisors Latin America 8.4.3 Superintendent of Security Markets and Insurance Companies 8.4.4 Insurance Association of Chile 8.5 Non-Admitted Insurance Regulations 8.5.1 Overview 8.5.2 Intermediaries 8.5.3 Market practices 8.5.4 Fines and penalties 8.6 Company Registration and Operations 8.6.1 Types of insurance organization 8.6.2 Establishing a local company 8.6.3 Foreign ownership 8.6.4 Types of license 8.6.5 Capital requirements 8.6.6 Solvency margins 8.6.7 Reserve requirements 8.6.8 Investment regulations 8.6.9 Statutory return requirements 8.6.10 Fees structure 8.7 Taxation 8.7.1 Insurance premium or policy taxation 8.7.2 Corporate tax 8.7.3 VAT 8.7.4 Captives 8.8 Legal System 8.8.1 Introduction 8.8.2 Access to court 8.8.3 Alternative dispute resolution (ADR) 9 Competitive Landscape and Strategic Insights 9.1 Overview 9.2 Leading Companies in the Chilean Personal Accident and Health Insurance Segment 9.3 MetLife Chile Seguros de Vida – Company Overview 9.3.1 MetLife Chile Seguros de Vida – key facts 9.4 EuroAmerica Seguros de Vida SA – Company Overview 9.4.1 EuroAmerica Seguros de Vida SA – key facts 9.5 BICE Vida Compañía de Seguros SA – Company Overview 9.5.1 BICE Vida Compañía de Seguros SA – key facts 9.6 BCI Seguros Generales SA – Company Overview 9.6.1 BCI Seguros Generales SA – key facts 9.7 Seguros Vida Security Prevision SA – Company Overview 9.7.1 Seguros Vida Security Prevision SA – key facts 9.8 Compañía de Seguros de Vida Cruz del Sur SA – Company Overview 9.8.1 Compañía de Seguros de Vida Cruz del Sur SA – key facts 9.9 Zurich Santander Seguros Chile SA – Company Overview 9.9.1 Zurich Santander Seguros Chile SA – key facts 9.10 Seguros de Vida Sura SA – Company Overview 9.10.1 Seguros de Vida Sura SA – key facts 9.11 Chilena Consolidada Seguros de Vida SA – Company Overview 9.11.1 Chilena Consolidada Seguros de Vida SA – key facts 9.12 Banchile Seguros de Vida SA – Company Overview 9.12.1 Banchile Seguros de Vida SA – key facts 10 Business Environment and Country Risk 10.1 Business Confidence 10.1.1 Market capitalization trend – Santiago Stock Exchange, Chile 10.2 Economic Performance 10.2.1 GDP at constant prices (US$) 10.2.2 GDP per capita at constant prices (US$) 10.2.3 GDP at current prices (US$) 10.2.4 GDP per capita at current prices (US$) 10.2.5 GDP by key segments 10.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$) 10.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP 10.2.8 Manufacturing net output at current prices (US$) 10.2.9 Manufacturing net output at current prices as a percentage of GDP 10.2.10 Mining, manufacturing and utilities at current prices (US$) 10.2.11 Mining, manufacturing and utilities at current prices as a percentage of GDP 10.2.12 Construction net output at current prices (US$) 10.2.13 Construction net output at current prices as a percentage of GDP 10.2.14 Inflation rate 10.2.15 Exports as a percentage of GDP 10.2.16 Imports as a percentage of GDP 10.2.17 Merchandise exports growth 10.2.18 Merchandise imports growth 10.2.19 Annual average exchange rate CLP–US$ 10.3 Infrastructure 10.3.1 Commercial vehicles exports – total value 10.3.2 Commercial vehicles imports – total value 10.3.3 Automotive exports – total value 10.3.4 Automotive imports – total value 10.3.5 Total internet subscribers 10.4 Labor Force 10.4.1 Labor force 10.4.2 Unemployment rate 10.5 Demographics 10.5.1 Gross national disposable income (US$) 10.5.2 Household consumption expenditure (US$) 10.5.3 Total population 10.5.4 Urban and rural populations 10.5.5 Age distribution of the total population 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: Chilean Insurance – Gross Written Premium by Segment (CLP Trillion), 2009–2013 Table 3: Chilean Insurance – Gross Written Premium by Segment (US$ Billion), 2009–2013 Table 4: Chilean Insurance – Gross Written Premium by Segment (CLP Trillion), 2013–2018 Table 5: Chilean Insurance – Gross Written Premium by Segment (US$ Billion), 2013–2018 Table 6: Chilean Insurance – Segmentation, Gross Written Premium (% Share), 2009–2018 Table 7: Chilean Insurance – Direct Written Premium by Segment (CLP Trillion), 2009–2013 Table 8: Chilean Insurance – Direct Written Premium by Segment (US$ Billion), 2009–2013 Table 9: Chilean Insurance – Direct Written Premium by Segment (CLP Trillion), 2013–2018 Table 10: Chilean Insurance – Direct Written Premium by Segment (US$ Billion), 2013–2018 Table 11: Chilean Insurance – Direct Written Premium by Segment (% Share), 2009–2018 Table 12: Chilean Personal Accident and Health Insurance – Gross Written Premium by Category (CLP Billion), 2009–2013 Table 13: Chilean Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2009–2013 Table 14: Chilean Personal Accident and Health Insurance – Gross Written Premium by Category (CLP Billion), 2013–2018 Table 15: Chilean Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2013–2018 Table 16: Chilean Personal Accident and Health Insurance – Direct Written Premium by Category (CLP Billion), 2009–2013 Table 17: Chilean Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2009–2013 Table 18: Chilean Personal Accident and Health Insurance – Direct Written Premium by Category (CLP Billion), 2013–2018 Table 19: Chilean Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2013–2018 Table 20: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2009–2013 Table 21: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2013–2018 Table 22: Chilean Personal Accident and Health Insurance – Paid Claims by Category (CLP Billion), 2009–2013 Table 23: Chilean Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2009–2013 Table 24: Chilean Personal Accident and Health Insurance – Paid Claims by Category (CLP Billion), 2013–2018 Table 25: Chilean Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2013–2018 Table 26: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (CLP Billion), 2009–2013 Table 27: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2009–2013 Table 28: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (CLP Billion), 2013–2018 Table 29: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2013–2018 Table 30: Chilean Personal Accident and Health Insurance – Retentions by Category (CLP Billion), 2009–2013 Table 31: Chilean Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2009–2013 Table 32: Chilean Personal Accident and Health Insurance – Retentions by Category (CLP Billion), 2013–2018 Table 33: Chilean Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2013–2018 Table 34: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013 Table 35: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018 Table 36: Chilean Personal Accident and Health Insurance – Commission and Expenses (CLP Billion), 2009–2013 Table 37: Chilean Personal Accident and Health Insurance – Commission and Expenses (CLP Billion), 2013–2018 Table 38: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013 Table 39: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018 Table 40: Chilean Personal Accident and Health Insurance – Frauds and Crimes (CLP Billion), 2009–2013 Table 41: Chilean Personal Accident and Health Insurance – Frauds and Crimes (CLP Billion), 2013–2018 Table 42: Chilean Personal Accident and Health Insurance – Total Assets (CLP Trillion), 2009–2013 Table 43: Chilean Personal Accident and Health Insurance – Total Assets (CLP Trillion), 2013–2018 Table 44: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2009–2013 Table 45: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2013–2018 Table 46: Chilean Personal Accident Insurance – Number of Policies Sold (Million), 2009–2013 Table 47: Chilean Personal Accident Insurance – Number of Policies Sold (Million), 2013–2018 Table 48: Chilean Personal Accident Insurance – Gross Written Premium (CLP Billion), 2009–2013 Table 49: Chilean Personal Accident Insurance – Gross Written Premium (CLP Billion), 2013–2018 Table 50: Chilean Personal Accident Insurance – Loss Ratio (%), 2009–2013 Table 51: Chilean Personal Accident Insurance – Loss Ratio (%), 2013–2018 Table 52: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2009–2013 Table 53: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2013–2018 Table 54: Chilean Travel Insurance – Gross Written Premium (CLP Billion), 2009–2013 Table 55: Chilean Travel Insurance – Gross Written Premium (CLP Billion), 2013–2018 Table 56: Chilean Travel Insurance – Loss Ratio (%), 2009–2013 Table 57: Chilean Travel Insurance – Loss Ratio (%), 2013–2018 Table 58: Chilean Health Insurance – Gross Written Premium by Sub-Category (CLP Billion), 2009–2013 Table 59: Chilean Health Insurance – Gross Written Premium by Sub-Category (US$ Million), 2009–2013 Table 60: Chilean Health Insurance – Gross Written Premium by Sub-Category (CLP Billion), 2013–2018 Table 61: Chilean Health Insurance – Gross Written Premium by Sub-Category (US$ Million), 2013–2018 Table 62: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013 Table 63: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018 Table 64: Chilean Non-Life Health Insurance – Gross Written Premium (CLP Billion), 2009–2013 Table 65: Chilean Non-Life Health Insurance – Gross Written Premium (CLP Billion), 2013–2018 Table 66: Chilean Non-Life Health Insurance – Direct Written Premium (CLP Billion), 2009–2013 Table 67: Chilean Non-Life Health Insurance – Direct Written Premium (CLP Billion), 2013–2018 Table 68: Chilean Non-Life Health Insurance – Loss Ratio (%), 2009–2013 Table 69: Chilean Non-Life Health Insurance – Loss Ratio (%), 2013–2018 Table 70: Chilean Non-Life Health Insurance – Retentions (CLP Billion), 2009–2013 Table 71: Chilean Non-Life Health Insurance – Retentions (CLP Billion), 2013–2018 Table 72: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013 Table 73: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018 Table 74: Chilean Life Health Insurance – Gross Written Premium (CLP Billion), 2009–2013 Table 75: Chilean Life Health Insurance – Gross Written Premium (CLP Billion), 2013–2018 Table 76: Chilean Life Health Insurance – Direct Written Premium (CLP Billion), 2009–2013 Table 77: Chilean Life Health Insurance – Direct Written Premium (CLP Billion), 2013–2018 Table 78: Chilean Life Health Insurance – Loss Ratio (%), 2009–2013 Table 79: Chilean Life Health Insurance – Loss Ratio (%), 2013–2018 Table 80: Chilean Life Health Insurance – Retentions (CLP Billion), 2009–2013 Table 81: Chilean Life Health Insurance – Retentions (CLP Billion), 2013–2018 Table 82: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2009–2013 Table 83: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2013–2018 Table 84: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (CLP Billion), 2009–2013 Table 85: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (CLP Billion), 2013–2018 Table 86: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013 Table 87: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018 Table 88: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013 Table 89: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018 Table 90: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2009–2013 Table 91: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2013–2018 Table 92: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (CLP Billion), 2009–2013 Table 93: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (CLP Billion), 2013–2018 Table 94: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013 Table 95: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018 Table 96: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013 Table 97: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018 Table 98: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2009–2013 Table 99: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2013–2018 Table 100: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Agencies (CLP Billion), 2009–2013 Table 101: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Agencies (CLP Billion), 2013–2018 Table 102: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2009–2013 Table 103: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2013–2018 Table 104: Chilean Personal Accident and Health Insurance – Number of Agencies, 2009–2013 Table 105: Chilean Personal Accident and Health Insurance – Number of Agencies, 2013–2018 Table 106: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2009–2013 Table 107: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2013–2018 Table 108: Chilean Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (CLP Billion), 2009–2013 Table 109: Chilean Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (CLP Billion), 2013–2018 Table 110: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013 Table 111: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018 Table 112: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013 Table 113: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018 Table 114: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2009–2013 Table 115: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2013–2018 Table 116: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Brokers (CLP Billion), 2009–2013 Table 117: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Brokers (CLP Billion), 2013–2018 Table 118: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013 Table 119: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018 Table 120: Chilean Personal Accident and Health Insurance – Number of Brokers, 2009–2013 Table 121: Chilean Personal Accident and Health Insurance – Number of Brokers, 2013–2018 Table 122: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2009–2013 Table 123: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2013–2018 Table 124: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (CLP Billion), 2009–2013 Table 125: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (CLP Billion), 2013–2018 Table 126: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013 Table 127: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018 Table 128: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013 Table 129: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018 Table 130: Chilean Reinsurance – Premium Accepted by Category (CLP Billion), 2009–2013 Table 131: Chilean Reinsurance – Premium Accepted by Category (US$ Million), 2009–2013 Table 132: Chilean Reinsurance – Premium Accepted by Category (CLP Billion), 2013–2018 Table 133: Chilean Reinsurance – Premium Accepted by Category (US$ Million), 2013–2018 Table 134: Chilean Reinsurance – Premium Ceded by Type of Insurance (CLP Billion), 2009–2013 Table 135: Chilean Reinsurance – Premium Ceded by Type of Insurance (US$ Million), 2009–2013 Table 136: Chilean Reinsurance – Premium Ceded by Type of Insurance (CLP Billion), 2013–2018 Table 137: Chilean Reinsurance – Premium Ceded by Type of Insurance (US$ Million), 2013–2018 Table 138: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2009–2013 Table 139: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2013–2018 Table 140: Chile – Life Insurance Regulatory Framework Table 141: Chile – Property Insurance Regulatory Framework Table 142: Chile – Motor Insurance Regulatory Framework Table 143: Chile – Factors Used for Solvency Margin Calculation Table 144: Chile – Corporate Tax Rates for the Financial Year 2013 Table 145: Number of Insurance Providers in Chile, 2008–2012 Table 146: Shares of Key Insurers in the Chilean Personal Accident and Health Insurance Segment (%), 2012 Table 147: MetLife Chile Seguros de Vida, Key Facts Table 148: EuroAmerica Seguros de Vida SA, Key Facts Table 149: BICE Vida Compañía de Seguros SA, Key Facts Table 150: BCI Seguros Generales SA, Key Facts Table 151: Seguros Vida Security Prevision SA , Key Facts Table 152: Compañía de Seguros de Vida Cruz del Sur SA, Key Facts Table 153: Zurich Santander Seguros Chile SA, Key Facts Table 154: Seguros de Vida Sura SA, Key Facts Table 155: Chilena Consolidada Seguros de Vida SA, Key Facts Table 156: Banchile Seguros de Vida SA, Key Facts List of Figures Figure 1: Chilean Insurance – Gross Written Premium by Segment (CLP Trillion), 2009–2018 Figure 2: Chilean Insurance – Dynamics by Segment, Gross Written Premium (2009–2018) Figure 3: Chilean Insurance – Direct Written Premium by Segment (CLP Billion), 2009–2018 Figure 4: Chilean Insurance – Direct Written Premium Dynamics by Segment, (2009–2018) Figure 5: Chilean Personal Accident and Health Insurance – Gross Written Premium by Category (CLP Billion), 2009–2018 Figure 6: Chilean Personal Accident and Health Insurance – Gross Written Premium by Category (% Share), 2013 and 2018 Figure 7: Chilean Personal Accident and Health Insurance – Dynamics by Category, 2009–2018 Figure 8: Chilean Personal Accident and Health Insurance – Direct Written Premium by Category (CLP Billion), 2009–2018 Figure 9: Chilean Personal Accident and Health Insurance – Direct Written Premium by Category (% Share), 2013 and 2018 Figure 10: Chilean Personal Accident and Health Insurance – Dynamics by Category, 2009–2018 Figure 11: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2009–2013 Figure 12: Chilean Personal Accident and Health Insurance – Earned Premium (CLP Billion), 2013–2018 Figure 13: Chilean Personal Accident and Health Insurance – Paid Claims by Category (CLP Billion), 2009–2018 Figure 14: Chilean Personal Accident and Health Insurance – Incurred Loss by Category (CLP Billion), 2009–2018 Figure 15: Chilean Personal Accident and Health Insurance – Retention by Category (CLP Billion), 2009–2018 Figure 16: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013 Figure 17: Chilean Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018 Figure 18: Chilean Personal Accident and Health Insurance – Commission and Expenses (CLP Billion), 2009–2013 Figure 19: Chilean Personal Accident and Health Insurance – Commission and Expenses (CLP Billion), 2013–2018 Figure 20: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013 Figure 21: Chilean Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018 Figure 22: Chilean Personal Accident and Health Insurance – Frauds and Crimes (CLP Billion), 2009–2013 Figure 23: Chilean Personal Accident and Health Insurance – Frauds and Crimes (CLP Billion), 2013–2018 Figure 24: Chilean Personal Accident and Health Insurance – Total Assets (CLP Trillion), 2009–2013 Figure 25: Chilean Personal Accident and Health Insurance – Total Assets (CLP Trillion), 2013–2018 Figure 26: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2009–2013 Figure 27: Chilean Personal Accident and Health Insurance – Total Investment Income (CLP Billion), 2013–2018 Figure 28: Chilean Personal Accident and Health Insurance – Investment Portfolio (CLP Billion), 2009–2013 Figure 29: Chilean Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013 Figure 30: Chilean Personal Accident and Health Insurance – Penetration (% of GDP), 2009–2013 Figure 31: Chilean Personal Accident and Health Insurance – Number of Policies Sold (Million), 2009–2013 Figure 32: Chilean Personal Accident and Health Insurance – Number of Policies Sold (Million), 2013–2018 Figure 33: Chilean Personal Accident and Health Insurance – Premium Per Capita (CLP), 2009–2013 Figure 34: Chilean Personal Accident Insurance – Number of Policies Sold (Million), 2009–2013 Figure 35: Chilean Personal Accident Insurance – Number of Policies Sold (Million), 2013–2018 Figure 36: Chilean Personal Accident Insurance – Gross Written Premium (CLP Billion), 2009–2013 Figure 37: Chilean Personal Accident Insurance – Gross Written Premium (CLP Billion), 2013–2018 Figure 38: Chilean Personal Accident Insurance – Loss Ratio (%), 2009–2013 Figure 39: Chilean Personal Accident Insurance – Loss Ratio (%), 2013–2018 Figure 40: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2009–2013 Figure 41: Chilean Travel Insurance – Number of Policies Sold (Thousand), 2013–2018 Figure 42: Chilean Travel Insurance – Gross Written Premium (CLP Billion), 2009–2013 Figure 43: Chilean Travel Insurance – Gross Written Premium (CLP Billion), 2013–2018 Figure 44: Chilean Travel Insurance – Loss Ratio (%), 2009–2013 Figure 45: Chilean Travel Insurance – Loss Ratio (%), 2013–2018 Figure 46: Chilean Health Insurance – Gross Written Premium by Sub-Category (CLP Billion), 2009–2018 Figure 47: Chilean Health Insurance – Dynamics by Sub-Category, 2009–2018 Figure 48: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013 Figure 49: Chilean Non-Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018 Figure 50: Chilean Non-Life Health Insurance – Gross Written Premium (CLP Billion), 2009–2013 Figure 51: Chilean Non-Life Health Insurance – Gross Written Premium (CLP Billion), 2013–2018 Figure 52: Chilean Non-Life Health Insurance – Direct Written Premium (CLP Billion), 2009–2013 Figure 53: Chilean Non-Life Health Insurance – Direct Written Premium (CLP Billion), 2013–2018 Figure 54: Chilean Non-Life Health Insurance – Loss Ratio (%), 2009–2013 Figure 55: Chilean Non-Life Health Insurance – Loss Ratio (%), 2013–2018 Figure 56: Chilean Non-Life Health Insurance – Retentions (CLP Billion), 2009–2013 Figure 57: Chilean Non-Life Health Insurance – Retentions (CLP Billion), 2013–2018 Figure 58: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013 Figure 59: Chilean Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018 Figure 60: Chilean Life Health Insurance – Gross Written Premium (CLP Billion), 2009–2013 Figure 61: Chilean Life Health Insurance – Gross Written Premium (CLP Billion), 2013–2018 Figure 62: Chilean Life Health Insurance – Direct Written Premium (CLP Billion), 2009–2013 Figure 63: Chilean Life Health Insurance – Direct Written Premium (CLP Billion), 2013–2018 Figure 64: Chilean Life Health Insurance – Loss Ratio (%), 2009–2013 Figure 65: Chilean Life Health Insurance – Loss Ratio (%), 2013–2018 Figure 66: Chilean Life Health Insurance – Retentions (CLP Billion), 2009–2013 Figure 67: Chilean Life Health Insurance – Retentions (CLP Billion), 2013–2018 Figure 68: Chilean Personal Accident and Health Insurance – Written Premium by Distribution Channel (% Share), 2013 and 2018 Figure 69: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2009–2013 Figure 70: Chilean Personal Accident and Health Insurance – Direct Marketing Commission Paid (CLP Billion), 2013–2018 Figure 71: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (CLP Billion), 2009–2013 Figure 72: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Direct Marketing (CLP Billion), 2013–2018 Figure 73: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013 Figure 74: Chilean Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018 Figure 75: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013 Figure 76: Chilean Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018 Figure 77: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2009–2013 Figure 78: Chilean Personal Accident and Health Insurance – Bancassurance Commission Paid (CLP Billion), 2013–2018 Figure 79: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (CLP Billion), 2009–2013 Figure 80: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Bancassurance (CLP Billion), 2013–2018 Figure 81: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013 Figure 82: Chilean Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018 Figure 83: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013 Figure 84: Chilean Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018 Figure 85: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2009–2013 Figure 86: Chilean Personal Accident and Health Insurance – Commission Paid to Agencies (CLP Billion), 2013–2018 Figure 87: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Agencies (CLP Billion), 2009–2013 Figure 88: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Agencies (CLP Billion), 2013–2018 Figure 89: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2009–2013 Figure 90: Chilean Personal Accident and Health Insurance – Policies Sold Through Agencies (Million), 2013–2018 Figure 91: Chilean Personal Accident and Health Insurance – Number of Agencies, 2009–2013 Figure 92: Chilean Personal Accident and Health Insurance – Number of Agencies, 2013–2018 Figure 93: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2009–2013 Figure 94: Chilean Personal Accident and Health Insurance – E-Commerce Commission Paid (CLP Billion), 2013–2018 Figure 95: Chilean Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (CLP Billion), 2009–2013 Figure 96: Chilean Personal Accident and Health Insurance – Gross Written Premium Through E-Commerce (CLP Billion), 2013–2018 Figure 97: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013 Figure 98: Chilean Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018 Figure 99: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013 Figure 100: Chilean Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018 Figure 101: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2009–2013 Figure 102: Chilean Personal Accident and Health Insurance – Commission Paid to Brokers (CLP Billion), 2013–2018 Figure 103: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Brokers (CLP Billion), 2009–2013 Figure 104: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Brokers (CLP Billion), 2013–2018 Figure 105: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013 Figure 106: Chilean Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018 Figure 107: Chilean Personal Accident and Health Insurance – Number of Brokers, 2009–2013 Figure 108: Chilean Personal Accident and Health Insurance – Number of Brokers, 2013–2018 Figure 109: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2009–2013 Figure 110: Chilean Personal Accident and Health Insurance – Commission Paid to Other Channels (CLP Billion), 2013–2018 Figure 111: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (CLP Billion), 2009–2013 Figure 112: Chilean Personal Accident and Health Insurance – Gross Written Premium Through Other Channels (CLP Billion), 2013–2018 Figure 113: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013 Figure 114: Chilean Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018 Figure 115: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013 Figure 116: Chilean Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018 Figure 117: Chilean Personal Accident and Health Insurance – Five Forces Analysis Figure 118: Chilean Reinsurance – Premium Accepted by Category (CLP Billion), 2009–2018 Figure 119: Chilean Reinsurance – Premium Accepted by Category (% Share), 2013 and 2018 Figure 120: Chilean Reinsurance – Premium Accepted Dynamics by Category, 2009–2018 Figure 121: Chilean Reinsurance – Premium Ceded by Type of Insurance (CLP Billion), 2009–2018 Figure 122: Chilean Reinsurance Segment – Premium Ceded Dynamics by Type of Insurance, 2009–2018 Figure 123: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2009–2013 Figure 124: Chilean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2013–2018 Figure 125: Chile – Insurance Regulatory Framework Figure 126: Chile – Insurance Supervision and Control at Various Levels Figure 127: Chile – Insurance Regulatory Frameworks for Company Registration and Operation Figure 128: Shares of Key Insurers in the Chilean Personal Accident and Health Insurance Segment (%), 2012 Figure 129: Chile, Santiago Stock Exchange Market Capitalization (US$ Billion), 2008–2012 Figure 130: Chilean GDP at Constant Prices (US$ Billion), 2008–2012 Figure 131: Chilean GDP Per Capita at Constant Prices (US$), 2008–2012 Figure 132: Chilean GDP at Current Prices (US$ Billion), 2008–2012 Figure 133: Chilean GDP Per Capita at Current Prices (US$), 2008–2012 Figure 134: Chilean GDP by Key Segments (%) 2007 and 2011 Figure 135: Chilean Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2007–2011 Figure 136: Chilean Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011 Figure 137: Chilean Manufacturing Net Output at Current Prices (US$ Billion), 2007–2011 Figure 138: Chilean Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2007–2011 Figure 139: Chilean Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2007–2011 Figure 140: Chilean Mining, Manufacturing and Utilities Net Output at Current Prices as a Percentage of GDP (%), 2007–2011 Figure 141: Chilean Construction Net Output at Current Prices (US$ Billion), 2007–2011 Figure 142: Chilean Construction Output at Current Prices as a Percentage of GDP (%), 2007–2011 Figure 143: Chilean Inflation Rate (%), 2008–2012 Figure 144: Chilean Exports as a Percentage of GDP (%), 2008–2012 Figure 145: Chilean Imports as a Percentage of GDP (%), 2008–2012 Figure 146: Chilean Merchandise Exports Growth (%), 2008–2012 Figure 147: Chilean Merchandise Imports Growth (%), 2008–2012 Figure 148: Chilean Annual Average Exchange Rate US$–CLP, 2008–2012 Figure 149: Chilean Commercial Vehicles Exports – Total Value (US$ Million), 2007–2011 Figure 150: Chilean Commercial Vehicles Imports – Total Value (US$ Billion), 2007–2011 Figure 151: Chilean Automotive Exports – Total Value (US$ Billion), 2007–2011 Figure 152: Chilean Automotive Imports – Total Value (US$ Billion), 2007–2011 Figure 153: Chilean Total Internet Subscriptions (Millions), 2007–2011 Figure 154: Chilean Size of Labor Force (Million), 2008–2012 Figure 155: Chilean Unemployment Rate (%), 2008–2012 Figure 156: Chilean Gross National Disposable Income (US$ Billion), 2008–2012 Figure 157: Chilean Household Consumption Expenditure (US$ Billion), 2008–2012 Figure 158: Chilean Total Population (Million), 2008–2012 Figure 159: Chilean Urban and Rural Populations (%), 2008–2012 Figure 160: Chilean Population Distribution by Age (%), 2008–2012
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