The Insurance Industry in Ghana, Key Trends and Opportunities to 2019

Published: Mar, 2016 | Pages: 152 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)

Synopsis
Timetric’s 'The Insurance Industry in Ghana, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers and challenges in the Ghanaian insurance industry.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, 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 Ghanaian 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 'The Insurance Industry in Ghana, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the Ghanaian insurance industry, including:

• The Ghanaian insurance industry's growth prospects by segment and category

• A comprehensive overview of Ghanaian economy and demographics 

• The detailed competitive landscape in the Ghanaian insurance industry

• The various distribution channels in the Ghanaian insurance industry

• Details of regulatory policy applicable to the Ghanaian insurance industry

• Analysis of natural hazards in Ghanaian insurance industry

Scope
This report provides a comprehensive analysis of the insurance industry in Ghana:

• It provides historical values for the Ghanaian insurance industry 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 segments in the Ghanaian insurance industry, along with market forecasts until 2019.

• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, combined ratio, total assets, total investment income and retentions.

• It analyzes the various distribution channels in Ghana.

• It profiles the top insurance companies in Ghana, 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 Ghanaian insurance industry and each segment and category within it.

• Understand the demand-side dynamics, key market trends and growth opportunities in the Ghanaian insurance industry.

• Assess the competitive dynamics in the Ghanaian insurance industry.

• Identify growth opportunities and market dynamics in key segments.

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

Key Highlights
• The industry grew at a review period (2010–2014) compound annual growth rate (CAGR) of 28.2%.

• Expansion in the middle-class population, strong regulation, rising public awareness of the benefits of insurance, and acceptance of mobile insurance products supported the overall industry growth.

• Microinsurers collaborate with mobile networks to reduce transaction costs and make products affordable to low-income buyers. 

• Over the forecast period, the process of recapitalization will improve the underwriting capacity, and result in more capable and reputable insurers in the Ghanaian insurance industry.

• Economic growth prospects, a stable government, strong regulation and exploration of oil and gas encouraged European and other African insurers into Ghana’s insurance industry through mergers and acquisitions (M&As) during the review period

• Developing mobile insurance products for the low-income populations in rural areas will drive the industry over the forecast period.

 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 Ghanaian Insurance Industry Overview
5.1 Ghanaian Insurance Industry

6 Industry Segmentation
6.1 Life Insurance
6.2 Non-Life Insurance
6.2.1 Property insurance
6.2.2 Motor insurance
6.2.3 Liability insurance
6.2.4 Marine, aviation and transit insurance
6.3 Personal Accident and Health Insurance
6.3.1 Personal accident insurance
6.3.2 Travel insurance
6.4 Reinsurance

7 Distribution Channel Outlook

8 Natural Hazards
8.1 Floods
8.2 Exposure

9 Competitive Landscape
9.1 Overview
9.2 Leading Companies
9.2.1 SIC Life Insurance Company Ltd – company overview
9.2.2 Enterprise Life Assurance Company Ltd – company overview
9.2.3 SIC Insurance Company Ltd – company overview
9.2.4 Enterprise Insurance Company Ltd – company overview
9.2.5 Star Assurance Company Ltd – company overview

10 Governance, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Latest Changes in Regulations
10.3 Regulations by Type of Insurance
10.3.1 Life insurance regulations
10.3.2 Property insurance regulations
10.3.3 Motor insurance regulations
10.3.4 Liability insurance
10.3.5 Marine, aviation and transit insurance regulations
10.3.6 Personal accident and health insurance regulations
10.4 Compulsory Insurance
10.4.1 Motor third-party liability insurance
10.4.2 Insurance for commercial properties
10.4.3 Workmen’s compensation insurance
10.5 Supervision and Control
10.5.1 International Association of Insurance Supervisors (IAIS)
10.5.2 National Insurance Commissions (NIC)
10.6 Non-Admitted Insurance Regulations
10.6.1 Overview
10.6.2 Intermediaries
10.6.3 Market practices
10.6.4 Fines and penalties
10.7 Company Registration and Operations
10.7.1 Types of insurance organization
10.7.2 Establishing a local company
10.7.3 Foreign ownership
10.7.4 Types of license
10.7.5 Capital requirements
10.7.6 Solvency margins
10.7.7 Reserve requirements
10.7.8 Investment regulations
10.7.9 Statutory return requirements
10.7.10 Fee structure
10.8 Taxation
10.8.1 Insurance premium or policy taxation
10.8.2 Withholding tax on premium paid overseas
10.8.3 Corporate tax
10.8.4 VAT
10.8.5 Captives
10.9 Legal System
10.9.1 Introduction
10.9.2 Access to court
10.9.3 Alternative dispute resolution (ADR)

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: Ghanaian Insurance Industry – Key Facts
Table 2: Insurance Industry Definitions
Table 3: Ghanaian Insurance Gross Written Premium by Segment (GHS Million), 2010–2014
Table 4: Ghanaian Insurance Gross Written Premium by Segment (US$ Million), 2010–2014
Table 5: Ghanaian Insurance – Gross Written Premium by Segment (GHS Million), 2014–2019
Table 6: Ghanaian Insurance – Gross Written Premium by Segment (US$ Million), 2014–2019
Table 7: Ghanaian Insurance – Segmentation by Gross Written Premium (% Share), 2010–2019
Table 8: Ghanaian Insurance – Direct Written Premium by Segment (GHS Million), 2010–2014
Table 9: Ghanaian Insurance – Direct Written Premium by Segment (US$ Million), 2010–2014
Table 10: Ghanaian Insurance – Direct Written Premium by Segment (GHS Million), 2014–2019
Table 11: Ghanaian Insurance – Direct Written Premium by Segment (US$ Million), 2014–2019
Table 12: Ghanaian Insurance – Segmentation by Direct Written Premium (Percentage Share), 2010–2019
Table 13: Ghanaian Life Insurance – Gross Written Premium (GHS Million), 2010–2014
Table 14: Ghanaian Life Insurance – Gross Written Premium (GHS Million), 2014–2019
Table 15: Ghanaian Life Insurance – Direct Written Premium (GHS Million), 2010–2014
Table 16: Ghanaian Life Insurance – Direct Written Premium (GHS Million), 2014–2019
Table 17: Ghanaian Life Insurance – Paid Claims (GHS Million), 2010–2014
Table 18: Ghanaian Life Insurance – Paid Claims (GHS Million), 2014–2019
Table 19: Ghanaian Life Insurance – Incurred Loss (GHS Million), 2010–2014
Table 20: Ghanaian Life Insurance – Incurred Loss (GHS Million), 2014–2019
Table 21: Ghanaian Life Insurance – Net Written Premium as a Percentage of Gross Written Premium, 2010–2014
Table 22: Ghanaian Life Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2014–2019
Table 23: Ghanaian Life Insurance – Total Assets (GHS Million), 2010–2014
Table 24: Ghanaian Life Insurance – Total Assets (GHS Billion), 2014–2019
Table 25: Ghanaian Life Insurance – Total Investment Income (GHS Million), 2010–2014
Table 26: Ghanaian Life Insurance – Total Investment Income (GHS Million), 2014–2019
Table 27: Ghanaian Life Insurance – Net Written Premium (GHS Million), 2010–2014
Table 28: Ghanaian Life Insurance – Net Written Premium (GHS Million), 2014–2019
Table 29: Ghanaian Non-Life Insurance – Gross Written Premium by Category (GHS Million), 2010–2014
Table 30: Ghanaian Non-Life Insurance – Gross Written Premium by Category (US$ Million), 2010–2014
Table 31: Ghanaian Non-Life Insurance – Gross Written Premium by Category (GHS Million), 2014–2019
Table 32: Ghanaian Non-Life Insurance – Gross Written Premium by Category (US$ Million), 2014–2019
Table 33: Ghanaian Non-Life Insurance – Direct Written Premium by Category (GHS Million), 2010–2014
Table 34: Ghanaian Non-Life Insurance – Direct Written Premium by Category (US$ Million), 2010–2014
Table 35: Ghanaian Non-Life Insurance – Direct Written Premium by Category (GHS Million), 2014–2019
Table 36: Ghanaian Non-Life Insurance – Direct Written Premium by Category (US$ Million), 2014–2019
Table 37: Ghanaian Non-Life Insurance – Paid Claims (GHS Million), 2010–2014
Table 38: Ghanaian Non-Life Insurance – Paid Claims (GHS Million), 2014–2019
Table 39: Ghanaian Non-Life Insurance – Incurred Loss (GHS Million), 2010–2014
Table 40: Ghanaian Non-Life Insurance – Incurred Loss (GHS Million), 2014–2019
Table 41: Ghanaian Non-Life Insurance – Loss Ratio (%), 2010–2014
Table 42: Ghanaian Non-Life Insurance – Loss Ratio (%), 2014–2019
Table 43: Ghanaian Non-Life Insurance – Combined Ratio (%), 2010–2014
Table 44: Ghanaian Non-Life Insurance – Combined Ratio (%), 2014–2019
Table 45: Ghanaian Non-Life Insurance – Total Assets (GHS Million), 2010–2014
Table 46: Ghanaian Non-Life Insurance – Total Assets (GHS Billion), 2014–2019
Table 47: Ghanaian Non-Life Insurance – Total Investment Income (GHS Million), 2010–2014
Table 48: Ghanaian Non-Life Insurance – Total Investment Income (GHS Million), 2014–2019
Table 49: Ghanaian Non-Life Insurance – Net Written Premium (GHS Million), 2010–2014
Table 50: Ghanaian Non-Life Insurance – Net Written Premium (GHS Million), 2014–2019
Table 51: Ghanaian Property Insurance – Gross Written Premium (GHS Million), 2010–2014
Table 52: Ghanaian Property Insurance – Gross Written Premium (GHS Million), 2014–2019
Table 53: Ghanaian Motor Insurance – Gross Written Premium (GHS Million), 2010–2014
Table 54: Ghanaian Motor Insurance – Gross Written Premium (GHS Million), 2014–2019
Table 55: Ghanaian Liability Insurance – Gross Written Premium (GHS Million), 2010–2014
Table 56: Ghanaian Liability Insurance – Gross Written Premium (GHS Million), 2014–2019
Table 57: Ghanaian Marine, Aviation and Transit Insurance – Gross Written Premium (GHS Million), 2010–2014
Table 58: Ghanaian Marine, Aviation and Transit Insurance – Gross Written Premium (GHS Million), 2014–2019
Table 59: Ghanaian Personal Accident and Health Insurance – Gross Written Premium by Category (GHS Million), 2010–2014
Table 60: Ghanaian Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2010–2014
Table 61: Ghanaian Personal Accident and Health Insurance – Gross Written Premium by Category (GHS Million), 2014–2019
Table 62: Ghanaian Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2014–2019
Table 63: Ghanaian Personal Accident and Health Insurance – Direct Written Premium by Category (GHS Billion), 2010–2014
Table 64: Ghanaian Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2010–2014
Table 65: Ghanaian Personal Accident and Health Insurance – Direct Written Premium by Category (GHS Billion), 2014–2019
Table 66: Ghanaian Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2014–2019
Table 67: Ghanaian Personal Accident and Health Insurance – Paid Claims (GHS Million), 2010–2014
Table 68: Ghanaian Personal Accident and Health Insurance – Paid Claims (GHS Million), 2014–2019
Table 69: Ghanaian Personal Accident and Health Insurance – Incurred Loss (GHS Million), 2010–2014
Table 70: Ghanaian Personal Accident and Health Insurance – Incurred Loss (GHS Million), 2014–2019
Table 71: Ghanaian Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014
Table 72: Ghanaian Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019
Table 73: Ghanaian Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014
Table 74: Ghanaian Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019
Table 75: Ghanaian Personal Accident and Health Insurance – Total Assets (GHS Million), 2010–2014
Table 76: Ghanaian Personal Accident and Health Insurance – Total Assets (GHS Million), 2014–2019
Table 77: Ghanaian Personal Accident and Health Insurance – Total Investment Income (GHS Million), 2010–2014
Table 78: Ghanaian Personal Accident and Health Insurance – Total Investment Income (GHS Million), 2014–2019
Table 79: Ghanaian Personal Accident and Health Insurance – Net Written Premium (GHS Million), 2010–2014
Table 80: Ghanaian Personal Accident and Health Insurance – Net Written Premium (GHS Million), 2014–2019
Table 81: Ghanaian Personal Accident Insurance – Gross Written Premium (GHS Million), 2010–2014
Table 82: Ghanaian Personal Accident Insurance – Gross Written Premium (GHS Million), 2014–2019
Table 83: Ghanaian Travel Insurance – Gross Written Premium (GHS Million), 2010–2014
Table 84: Ghanaian Travel Insurance – Gross Written Premium (GHS Million), 2014–2019
Table 85: Ghanaian Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (GHS Million), 2010–2014
Table 86: Ghanaian Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2010–2014
Table 87: Ghanaian Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (GHS Million), 2014–2019
Table 88: Ghanaian Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2014–2019
Table 89: Ghanaian Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2010–2014
Table 90: Ghanaian Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2014–2019
Table 91: Ghanaian Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2010–2014
Table 92: Ghanaian Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2014–2019
Table 93: Ghanaian Personal Accident and Health Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2010–2014
Table 94: Ghanaian Personal Accident and Health Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2014–2019
Table 95: Ghanaian Average Annual Loss by Hazard
Table 96: Ghanaian Insurance Industry – Market Shares, 2013
Table 97: Ghanaian Life Insurance – Segment Shares, 2013
Table 98: Ghanaian General Insurance – Segment Shares, 2013
Table 99: SIC Life Insurance Company Ltd – Key Facts
Table 100: Enterprise Life Assurance Company Ltd – Key Facts
Table 101: SIC Insurance Company Ltd – Key Facts
Table 102: Enterprise Insurance Company Ltd – Key Facts
Table 103: Star Assurance Company Ltd – Key Facts
Table 104: Ghana – Insurance Regulatory Framework Key Features
Table 105: Ghana – Life Insurance Regulatory Framework
Table 106: Ghana – Property Insurance Regulatory Framework
Table 107: Ghana – Motor Insurance Regulatory Framework
Table 108: Ghana – Liability Insurance Regulatory Framework
Table 109: Ghana – Limits of Investments on Various Types of Assets
Table 110: Ghana – Corporate Tax Rates for the Financial Year 2015

List of Figures
Figure 1: Ghanaian Real GDP (GHS Billion) , 2010–2019
Figure 2: Ghanaian Consumer Price Inflation, 2010–2019
Figure 3: GHS–US$ Exchange Rate, 2010–2019
Figure 4: Ghanaian Unemployment Rate, 2010–2019
Figure 5: Ghanaian Population by Age Group, 1991–2025
Figure 6: Ghanaian Insurance – Gross Written Premium by Segment (GHS Billion), 2010–2019
Figure 7: Ghanaian Insurance – Gross Written Premium Market Dynamics by Segment, 2010–2019
Figure 8: Ghanaian Insurance – Direct Written Premium by Segment (GHS Billion), 2010–2019
Figure 9: Ghanaian Insurance – Direct Written Premium Dynamics by Segment, 2010–2019
Figure 10: Ghanaian Life Insurance – Gross Written Premium (GHS Million), 2010–2014
Figure 11: Ghanaian Life Insurance – Gross Written Premium (GHS Million), 2014–2019
Figure 12: Ghanaian Life Insurance – Direct Written Premium (GHS Billion), 2010–2014
Figure 13: Ghanaian Life Insurance – Direct Written Premium (GHS Billion), 2014–2019
Figure 14: Ghanaian Life Insurance – Paid Claims (GHS Million), 2010–2014
Figure 15: Ghanaian Life Insurance – Paid Claims (GHS Million), 2014–2019
Figure 16: Ghanaian Life Insurance – Incurred Loss (GHS Million), 2010–2014
Figure 17: Ghanaian Life Insurance – Incurred Loss (GHS Million), 2014–2019
Figure 18: Ghanaian Life Insurance – Net Written Premium as a Percentage of Gross Written Premium, 2010–2014
Figure 19: Ghanaian Life Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2014–2019
Figure 20: Ghanaian Life Insurance – Total Assets (GHS Million), 2010–2014
Figure 21: Ghanaian Life Insurance – Total Assets (GHS Billion), 2014–2019
Figure 22: Ghanaian Life Insurance – Total Investment Income (GHS Million), 2010–2014
Figure 23: Ghanaian Life Insurance – Total Investment Income (GHS Million), 2014–2019
Figure 24: Ghanaian Life Insurance – Net Written Premium (GHS Million), 2010–2014
Figure 25: Ghanaian Life Insurance – Net Written Premium (GHS Million), 2014–2019
Figure 26: Ghanaian Life Insurance – Total Investment (GHS Million), 2010–2014
Figure 27: Ghanaian Life Insurance – Insurance Penetration (%), 2010–2014
Figure 28: Ghanaian Life Insurance – Direct Premium per Capita (GHS), 2010–2014
Figure 29: Ghanaian Non-Life Insurance – Gross Written Premium by Category (GHS Million), 2010–2019
Figure 30: Ghanaian Non-Life Insurance – Gross Written Premium by Category (%), 2014 and 2019
Figure 31: Ghanaian Non-Life Insurance – Gross Written Premium Dynamics by Category, 2010–2019
Figure 32: Ghanaian Non-Life Insurance – Direct Written Premium by Category (GHS Billion), 2010–2019
Figure 33: Ghanaian Non-Life Insurance – Direct Written Premium by Category (%), 2014 and 2019
Figure 34: Ghanaian Non-Life Insurance – Direct Written Premium Dynamics by Category, 2010–2019
Figure 35: Ghanaian Non-Life Insurance – Paid Claims (GHS Million), 2010–2014
Figure 36: Ghanaian Non-Life Insurance – Paid Claims (GHS Million), 2014–2019
Figure 37: Ghanaian Non-Life Insurance – Incurred Loss (GHS Billion), 2010–2014
Figure 38: Ghanaian Non-Life Insurance – Incurred Loss (GHS Million), 2014–2019
Figure 39: Ghanaian Non-Life Insurance – Loss Ratio (%), 2010–2014
Figure 40: Ghanaian Non-Life Insurance – Loss Ratio (%), 2014–2019
Figure 41: Ghanaian Non-Life Insurance – Combined Ratio (%), 2010–2014
Figure 42: Ghanaian Non-Life Insurance – Combined Ratio (%), 2014–2019
Figure 43: Ghanaian Non-Life Insurance – Total Assets (GHS Million), 2010–2014
Figure 44: Ghanaian Non-Life Insurance – Total Assets (GHS Million), 2014–2019
Figure 45: Ghanaian Non-Life Insurance – Total Investment Income (GHS Million), 2010–2014
Figure 46: Ghanaian Non-Life Insurance – Total Investment Income (GHS Million), 2014–2019
Figure 47: Ghanaian Non-Life Insurance – Net Written Premium (GHS Million), 2010–2014
Figure 48: Ghanaian Non-Life Insurance – Net Written Premium (GHS Million), 2014–2019
Figure 49: Ghanaian Non-Life Insurance – Total Investment (GHS Million), 2010–2014
Figure 50: Ghanaian Non-Life Insurance – Penetration (%), 2010–2014
Figure 51: Ghanaian Non-Life Insurance – Direct Premium per Capita (GHS), 2010–2014
Figure 52: Ghanaian Property Insurance – Gross Written Premium (GHS Million), 2010–2014
Figure 53: Ghanaian Property Insurance – Gross Written Premium (GHS Million), 2014–2019
Figure 54: Ghanaian Motor Insurance – Gross Written Premium (GHS Million), 2010–2014
Figure 55: Ghanaian Motor Insurance – Gross Written Premium (GHS Million), 2014–2019
Figure 56: Ghanaian Liability Insurance – Gross Written Premium (GHS Million), 2010–2014
Figure 57: Ghanaian Liability Insurance – Gross Written Premium (GHS Million), 2014–2019
Figure 58: Ghanaian Marine, Aviation and Transit Insurance – Gross Written Premium (GHS Million), 2010–2014
Figure 59: Ghanaian Marine, Aviation and Transit Insurance – Gross Written Premium (GHS Million), 2014–2019
Figure 60: Ghanaian Personal Accident and Health Insurance – Gross Written Premium by Category (GHS Million), 2010–2019
Figure 61: Ghanaian Personal Accident and Health Insurance – Gross Written Premium by Category (%), 2014 and 2019
Figure 62: Ghanaian Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2010–2019
Figure 63: Ghanaian Personal Accident and Health Insurance – Direct Written Premium by Category (GHS Million), 2010–2019
Figure 64: Ghanaian Personal Accident and Health Insurance – Direct Written Premium by Category (%), 2014 and 2019
Figure 65: Ghanaian Personal Accident and Health Insurance – Direct Written Premium Dynamics by Category, 2010–2019
Figure 66: Ghanaian Personal Accident and Health Insurance – Paid Claims by Category (GHS Million), 2010–2014
Figure 67: Ghanaian Personal Accident and Health Insurance – Paid Claims (GHS Million), 2014–2019
Figure 68: Ghanaian Personal Accident and Health Insurance – Incurred Loss (GHS Billion), 2010–2014
Figure 69: Ghanaian Personal Accident and Health Insurance – Incurred Loss (GHS Million), 2014–2019
Figure 70: Ghanaian Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014
Figure 71: Ghanaian Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019
Figure 72: Ghanaian Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014
Figure 73: Ghanaian Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019
Figure 74: Ghanaian Personal Accident and Health Insurance – Total Assets (GHS Million), 2010–2014
Figure 75: Ghanaian Personal Accident and Health Insurance – Total Assets (GHS Million), 2014–2019
Figure 76: Ghanaian Personal Accident and Health Insurance – Total Investment Income (GHS Million), 2010–2014
Figure 77: Ghanaian Personal Accident and Health Insurance – Total Investment Income (GHS Million), 2014–2019
Figure 78: Ghanaian Personal Accident and Health Insurance – Net Written Premium (GHS Million), 2010–2014
Figure 79: Ghanaian Personal Accident and Health Insurance – Net Written Premium (GHS Million), 2014–2019
Figure 80: Ghanaian Personal Accident and Health Insurance – Total Investment (GHS Million), 2010–2014
Figure 81: Ghanaian Personal Accident and Health Insurance – Penetration (%), 2010–2014
Figure 82: Ghanaian Personal Accident and Health Insurance – Direct Premium per Capita (GHS), 2010–2014
Figure 83: Ghanaian Personal Accident Insurance – Gross Written Premium (GHS Million), 2010–2014
Figure 84: Ghanaian Personal Accident Insurance – Gross Written Premium (GHS Million), 2014–2019
Figure 85: Ghanaian Travel Insurance – Gross Written Premium (GHS Million), 2010–2014
Figure 86: Ghanaian Travel Insurance – Gross Written Premium (GHS Million), 2014–2019
Figure 87: Ghanaian Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (GHS Million), 2010–2019
Figure 88: Ghanaian Reinsurance – Dynamics by Insurance Segment, 2010–2019
Figure 89: Ghanaian Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2010–2014
Figure 90: Ghanaian Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2014–2019
Figure 91: Ghanaian Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2010–2014
Figure 92: Ghanaian Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2014–2019
Figure 93: Ghanaian Personal Accident and Health Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2010–2014
Figure 94: Ghanaian Personal Accident and Health Insurance – Percentage of Premium Ceded (Excluding Retrocession) (%), 2014–2019
Figure 95: Ghanaian Insurance Industry – Market Shares, 2013
Figure 96: Ghanaian Life Insurance – Segment Shares, 2013
Figure 97: Ghanaian General Insurance – Segment Shares, 2013
Figure 98: Ghana – Insurance Supervision and Control at Various Levels
Figure 99: Ghana – Insurance Regulatory Frameworks for Company Registration and Operation

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