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

Published: Jun 15, 2016 | Pages: 165 | Publisher: Timetric | Industry: Insurance | Report Format: Electronic (PDF)



Synopsis
Timetric's 'The Insurance Industry in Armenia, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers and challenges in the Armenian 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 Armenian 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 Armenia, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the Armenian insurance industry, including: • The Armenian insurance industry's growth prospects by segment and category • A comprehensive overview of the Armenian economy and demographics • The detailed competitive landscape in the Armenian insurance industry • The various distribution channels in the Armenian insurance industry • Details of regulatory policy applicable to the Armenian insurance industry • Analysis of natural hazards in Armenia

Scope
This report provides a comprehensive analysis of the insurance industry in Armenia: • It provides historical values for the Armenian 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 Armenian insurance industry, with market forecasts to 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 Armenia. • It profiles the top insurance companies in Armenia 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 Armenian insurance industry and each segment and category within it. • Understand the demand-side dynamics, key market trends and growth opportunities in the Armenian insurance industry. • Assess the competitive dynamics in the Armenian insurance industry. • Identify growth opportunities and market dynamics in key segments. • Gain insights into key regulations governing the Armenian insurance industry and their impact on companies and the industry's future.

Key Highlights
• Despite economic challenges, limited product variety and an absence of life insurance, the industry posted a review-period CAGR of 40.0%. • In December 2015, the Armenian Motor Insurers' Bureau formally applied to join the Green Card International Motor Insurance System. Over the forecast period, the system is expected to benefit motorists by proving insurance cover for the victims of road traffic accidents outside Armenia. • In 2014, a government decision to take part of mandatory health insurance premiums paid by state employees affected private health insurers, which had already established health infrastructure such as clinics and medical centers in the country. • Changes in the regulatory framework, such as implementation of compulsory third-party motor insurance in 2010, export credit insurance in 2013, a bonus-malus system for motor insurance from 2013, and compulsory pension insurance in 2014 led to the structural changes and resulted in mergers and acquisitions during the review period. • Growth in the country's economy, healthcare reforms and aligning compulsory insurance classes with Eurasian Economic Union members will drive the industry over the forecast period. • The prominent expansion strategies adopted by Armenian insurers are extending to other less penetrated African countries such as Cameroon, Western Sahara and Algeria, among others, by either acquiring local businesses or setting up own branches and distribution channels.
 Table of Contents

1 Key Facts and Highlights 2 Executive Summary 3 Economy and Demographics 4 Armenian Insurance Industry Overview 4.1 The Armenian Insurance Industry 5 Life Insurance 6 Non-Life Insurance1 Key Facts and Highlights 2 Executive Summary 3 Economy and Demographics 4 Armenian Insurance Industry Overview 4.1 Armenian Insurance Industry 5 Non-Life Insurance 5.1 Property Insurance 5.2 Motor Insurance 5.3 Liability Insurance 5.4 Marine, Aviation and Transit Insurance 6 Personal Accident and Health Insurance 6.1 Personal Accident Insurance 6.2 Health Insurance 6.3 Travel Insurance 7 Reinsurance 8 Distribution Channel Analysis 9 Natural Hazards 9.1 Floods 9.2 Earthquakes 9.3 Landslides 9.4 Droughts 9.5 Exposure 10 Competitive Landscape 10.1 Overview 10.2 Leading Companies 10.2.1 Rosgosstrakh Armenia Insurance CJSC - company overview 10.2.2 Ingo Armenia Insurance CJSC - company overview 10.2.3 Nairi Insurance LLC- company overview 10.2.4 Reso Insurance CJSC - company overview 10.2.5 Armenia Insurance Ltd - company overview 10.2.6 Sil Insurance CJSC - company overview 11 Governance, Risk and Compliance 11.1 Legislation Overview and Historical Evolution 11.2 Latest Changes in Regulations 11.3 Legislation and market practice by Type of Insurances 11.3.1 Life insurance 11.3.2 Property insurance 11.3.3 Motor insurance 11.3.4 Liability insurance 11.3.5 Marine, aviation and transit insurance 11.3.6 Personal accident and health insurance 11.4 Compulsory Insurance 11.4.1 Motor third-party liability 11.4.2 Aviation liability insurance 11.5 Supervision and Control 11.5.1 International Association of Insurance Supervisors (IAIS) 11.5.2 Central Bank of Armenia (CBA) 11.5.3 Association of the Participants of the Insurance Market 11.6 Non-Admitted Insurance Regulations 11.6.1 Overview 11.6.2 Intermediaries 11.6.3 Market practices 11.6.4 Fines and penalties 11.7 Company Registration and Operations 11.7.1 Types of insurance organization 11.7.2 Establishing a local company 11.7.3 Foreign ownership 11.7.4 Types of license 11.7.5 Capital requirements 11.7.6 Solvency margins 11.7.7 Reserve requirements 11.7.8 Investment regulations 11.7.9 Statutory return requirements 11.7.10 Fee structure 11.8 Taxation 11.8.1 Insurance premium or policy taxation 11.8.2 Withholding taxes on premium paid overseas 11.8.3 Corporate tax 11.8.4 VAT 11.8.5 Captives 11.9 Legal System 11.9.1 Introduction 11.9.2 Access to court 11.9.3 Alternative dispute resolution (ADR) 12 Definitions and Methodology 12.1 Definitions 12.2 Methodology 13 About Timetric 13.1 Contact Timetric 13.2 About Timetric 13.3 Timetric's Services 13.4 Disclaimer
List of Tables
Table 1: Armenian Insurance Industry - Key Facts Table 2: Armenian Insurance - Gross Written Premium by Segment (AMD Billion), 2010-2014 Table 3: Armenian Insurance - Gross Written Premium by Segment (US$ Million), 2010-2014 Table 4: Armenian Insurance - Gross Written Premium by Segment (AMD Billion), 2014-2019 Table 5: Armenian Insurance - Gross Written Premium by Segment (US$ Million), 2014-2019 Table 6: Armenian Insurance - Segmentation by Gross Written Premium (% Share), 2010-2019 Table 7: Armenian Insurance - Direct Written Premium by Segment (AMD Billion), 2010-2014 Table 8: Armenian Insurance Direct Written Premium by Segment (US$ Million), 2010-2014 Table 9: Armenian Insurance - Direct Written Premium by Segment (AMD Billion), 2014-2019 Table 10: Armenian Insurance - Direct Written Premium by Segment (US$ Million), 2014-2019 Table 11: Armenian Insurance - Segmentation by Direct Written Premium (%), 2010-2019 Table 12: Armenian Non-Life Insurance - Gross Written Premium by Category (AMD Billion), 2010-2014 Table 13: Armenian Non-Life Insurance - Gross Written Premium by Category (US$ Million), 2010-2014 Table 14: Armenian Non-Life Insurance - Gross Written Premium by Category (AMD Billion), 2014-2019 Table 15: Armenian Non-Life Insurance - Gross Written Premium by Category (US$ Million), 2014-2019 Table 16: Armenian Non-Life Insurance - Direct Written Premium by Category (AMD Billion), 2010-2014 Table 17: Armenian Non-Life Insurance - Direct Written Premium by Category (US$ Million), 2010-2014 Table 18: Armenian Non-Life Insurance - Direct Written Premium by Category (AMD Billion), 2014-2019 Table 19: Armenian Non-Life Insurance - Direct Written Premium by Category (US$ Million), 2014-2019 Table 20: Armenian Non-Life Insurance - Paid Claims (AMD Billion), 2010-2014 Table 21: Armenian Non-Life Insurance - Paid Claims (AMD Billion), 2014-2019 Table 22: Armenian Non-Life Insurance - Incurred Loss (AMD Billion), 2010-2014 Table 23: Armenian Non-Life Insurance - Incurred Loss (AMD Billion), 2014-2019 Table 24: Armenian Non-Life Insurance - Loss Ratio (%), 2010-2014 Table 25: Armenian Non-Life Insurance - Loss Ratio (%), 2014-2019 Table 26: Armenian Non-Life Insurance - Combined Ratio (%), 2010-2014 Table 27: Armenian Non-Life Insurance - Combined Ratio (%), 2014-2019 Table 28: Armenian Non-Life Insurance - Total Assets (AMD Billion), 2010-2014 Table 29: Armenian Non-Life Insurance - Total Assets (AMD Billion), 2014-2019 Table 30: Armenian Non-Life Insurance - Total Investment Income (AMD Billion), 2010-2014 Table 31: Armenian Non-Life Insurance - Total Investment Income (AMD Billion), 2014-2019 Table 32: Armenian Non-Life Insurance - Net Written Premiums (AMD Billion), 2010-2014 Table 33: Armenian Non-Life Insurance - Net Written Premiums (AMD Billion), 2014-2019 Table 34: Armenian Property Insurance - Gross Written Premium (AMD Billion), 2010-2014 Table 35: Armenian Property Insurance - Gross Written Premium (AMD Billion), 2014-2019 Table 36: Armenian Motor Insurance - Gross Written Premium (AMD Billion), 2010-2014 Table 37: Armenian Motor Insurance - Gross Written Premium (AMD Billion), 2014-2019 Table 38: Armenian Liability Insurance - Gross Written Premium (AMD Million), 2010-2014 Table 39: Armenian Liability Insurance - Gross Written Premium (AMD Million), 2014-2019 Table 40: Armenian Marine, Aviation and Transit Insurance - Gross Written Premium (AMD Billion), 2010-2014 Table 41: Armenian Marine, Aviation and Transit Insurance - Gross Written Premium (AMD Billion), 2014-2019 Table 42: Armenian Personal Accident and Health Insurance - Gross Written Premium by Category (AMD Billion), 2010-2014 Table 43: Armenian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2010-2014 Table 44: Armenian Personal Accident and Health Insurance - Gross Written Premium by Category (AMD Billion), 2014-2019 Table 45: Armenian Personal Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2014-2019 Table 46: Armenian Personal Accident and Health Insurance - Direct Written Premium by Category (AMD Billion), 2010-2014 Table 47: Armenian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2010-2014 Table 48: Armenian Personal Accident and Health Insurance - Direct Written Premium by Category (AMD Billion), 2014-2019 Table 49: Armenian Personal Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2014-2019 Table 50: Armenian Personal Accident and Health Insurance - Paid Claims (AMD Billion), 2010-2014 Table 51: Armenian Personal Accident and Health Insurance - Paid Claims (AMD Billion), 2014-2019 Table 52: Armenian Personal Accident and Health Insurance - Incurred Loss (AMD Billion), 2010-2014 Table 53: Armenian Personal Accident and Health Insurance - Incurred Loss (AMD Billion), 2014-2019 Table 54: Armenian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014 Table 55: Armenian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019 Table 56: Armenian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014 Table 57: Armenian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019 Table 58: Armenian Personal Accident and Health Insurance - Total Assets (AMD Billion), 2010-2014 Table 59: Armenian Personal Accident and Health Insurance - Total Assets (AMD Billion), 2014-2019 Table 60: Armenian Personal Accident and Health Insurance - Total Investment Income (AMD Million), 2010-2014 Table 61: Armenian Personal Accident and Health Insurance - Total Investment Income (AMD Million), 2014-2019 Table 62: Armenian Personal Accident and Health Insurance - Net Written Premiums (AMD Billion), 2010-2014 Table 63: Armenian Personal Accident and Health Insurance - Net Written Premiums (AMD Billion), 2014-2019 Table 64: Armenian Personal Accident Insurance - Gross Written Premium (AMD Million), 2010-2014 Table 65: Armenian Personal Accident Insurance - Gross Written Premium (AMD Million), 2014-2019 Table 66: Armenian Health Insurance - Gross Written Premium (AMD Billion), 2010-2014 Table 67: Armenian Health Insurance - Gross Written Premium (AMD Billion), 2014-2019 Table 68: Armenian Travel Insurance - Gross Written Premium (AMD Million), 2010-2014 Table 69: Armenian Travel Insurance - Gross Written Premium (AMD Million), 2014-2019 Table 70: Armenian Reinsurance - Premium Ceded (Excluding Retrocession) by Insurance Segment (AMD Billion), 2010-2014 Table 71: Armenian Reinsurance - Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2010-2014 Table 72: Armenian Reinsurance - Premium Ceded (Excluding Retrocession) by Insurance Segment (AMD Billion), 2014-2019 Table 73: Armenian Reinsurance - Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2014-2019 Table 74: Armenian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014 Table 75: Armenian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019 Table 76: Armenian Personal Accident and Health Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014 Table 77: Armenian Personal Accident and Health Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019 Table 78: Armenian Average Annual Loss by Hazard Table 79: Rosgosstrakh Armenia - Key Facts Table 80: Ingo Armenia Insurance CJSC - Key Facts Table 81: Nairi Insurance LLC - Key Facts Table 82: Reso Insurance CJSC - Key Facts Table 83: Armenia Insurance Ltd. - Key Facts Table 84: Sil Insurance CJSC - Key Facts Table 85: Armenia - Insurance Regulatory Framework Key Features Table 86: Armenia - Life Insurance Regulatory Framework Table 87: Armenia - Property Insurance Regulatory Framework Table 88: Armenia - Motor Insurance Regulatory Framework Table 89: Armenia - Liability Insurance Regulatory Framework Table 90: Armenia - Rating Agencies and Minimum Required Ratings Table 91: Armenia - Corporate Tax Rates for the Financial Year 2015 Table 92: Insurance Industry Definitions


List of Figures
Figure 1: Real GDP (AMD Trillion), 2010-2019 Figure 2: Armenian Consumer Price Inflation, 2010-2019 Figure 3: AMD-US$ Exchange Rate, 2010-2019 Figure 4: Armenian Unemployment Rate, 2010-2019 Figure 5: Armenian Population by Age Group, 1991-2025 Figure 6: Armenian Insurance - Gross Written Premium by Segment (AMD Billion), 2010-2019 Figure 7: Armenian Insurance - Gross Written Premium Market Dynamics by Segment, 2010-2019 Figure 8: Armenian Insurance - Direct Written Premium by Segment (AMD Billion), 2010-2019 Figure 9: Armenian Insurance - Direct Written Premium Market Dynamics by Segment, 2010-2019 Figure 10: Armenian Non-Life Insurance - Gross Written Premium by Category (AMD Billion), 2010-2019 Figure 11: Armenian Non-Life Insurance - Gross Written Premium by Category (%), 2014 and 2019 Figure 12: Armenian Non-Life Insurance - Gross Written Premium Dynamics by Category, 2010-2019 Figure 13: Armenian Non-Life Insurance - Direct Written Premium by Category (AMD Billion), 2010-2019 Figure 14: Armenian Non-Life Insurance - Direct Written Premium by Category (%), 2014 and 2019 Figure 15: Armenian Non-Life Insurance - Direct Written Premium Dynamics by Category, 2010-2019 Figure 16: Armenian Non-Life Insurance - Paid Claims (AMD Billion), 2010-2014 Figure 17: Armenian Non-Life Insurance - Paid Claims (AMD Billion), 2014-2019 Figure 18: Armenian Non-Life Insurance - Incurred Loss (AMD Billion), 2010-2014 Figure 19: Armenian Non-Life Insurance - Incurred Loss (AMD Billion), 2014-2019 Figure 20: Armenian Non-Life Insurance - Loss Ratio (%), 2010-2014 Figure 21: Armenian Non-Life Insurance - Loss Ratio (%), 2014-2019 Figure 22: Armenian Non-Life Insurance - Combined Ratio (%), 2010-2014 Figure 23: Armenian Non-Life Insurance - Combined Ratio (%), 2014-2019 Figure 24: Armenian Non-Life Insurance - Total Assets (AMD Billion), 2010-2014 Figure 25: Armenian Non-Life Insurance - Total Assets (AMD Billion), 2014-2019 Figure 26: Armenian Non-Life Insurance - Total Investment Income (AMD Billion), 2010-2014 Figure 27: Armenian Non-Life Insurance - Total Investment Income (AMD Billion), 2014-2019 Figure 28: Armenian Non-Life Insurance - Net Written Premiums (AMD Billion), 2010-2014 Figure 29: Armenian Non-Life Insurance - Net Written Premiums (AMD Billion), 2014-2019 Figure 30: Armenian Non-Life Insurance - Total Investment (AMD Billion), 2010-2014 Figure 31: Armenian Non-Life Insurance - Penetration (%), 2010-2014 Figure 32: Armenian Non-Life Insurance - Direct Premium per Capita (AMD), 2010-2014 Figure 33: Armenian Property Insurance - Gross Written Premium (AMD Billion), 2010-2014 Figure 34: Armenian Property Insurance - Gross Written Premium (AMD Billion), 2014-2019 Figure 35: Armenian Motor Insurance - Gross Written Premium (AMD Billion), 2010-2014 Figure 36: Armenian Motor Insurance - Gross Written Premium (AMD Billion), 2014-2019 Figure 37: Armenian Liability Insurance - Gross Written Premium (AMD Million), 2010-2014 Figure 38: Armenian Liability Insurance - Gross Written Premium (AMD Million), 2014-2019 Figure 39: Armenian Marine, Aviation and Transit Insurance - Gross Written Premium (AMD Billion), 2010-2014 Figure 40: Armenian Marine, Aviation and Transit Insurance - Gross Written Premium (AMD Billion), 2014-2019 Figure 41: Armenian Personal Accident and Health Insurance - Gross Written Premium by Category (AMD Billion), 2010-2019 Figure 42: Armenian Personal Accident and Health Insurance - Gross Written Premium by Category (%), 2014 and 2019 Figure 43: Armenian Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2010-2019 Figure 44: Armenian Personal Accident and Health Insurance - Direct Written Premium by Category (AMD Billion), 2010-2019 Figure 45: Armenian Personal Accident and Health Insurance - Direct Written Premium by Category (%), 2014 and 2019 Figure 46: Armenian Personal Accident and Health Insurance - Direct Written Premium Dynamics by Category, 2010-2019 Figure 47: Armenian Personal Accident and Health Insurance - Paid Claims by Category (AMD Billion), 2010-2014 Figure 48: Armenian Personal Accident and Health Insurance - Paid Claims (AMD Billion), 2014-2019 Figure 49: Armenian Personal Accident and Health Insurance - Incurred Loss (AMD Billion), 2010-2014 Figure 50: Armenian Personal Accident and Health Insurance - Incurred Loss (AMD Billion), 2014-2019 Figure 51: Armenian Personal Accident and Health Insurance - Loss Ratio (%), 2010-2014 Figure 52: Armenian Personal Accident and Health Insurance - Loss Ratio (%), 2014-2019 Figure 53: Armenian Personal Accident and Health Insurance - Combined Ratio (%), 2010-2014 Figure 54: Armenian Personal Accident and Health Insurance - Combined Ratio (%), 2014-2019 Figure 55: Armenian Personal Accident and Health Insurance - Total Assets (AMD Billion), 2010-2014 Figure 56: Armenian Personal Accident and Health Insurance - Total Assets (AMD Billion), 2014-2019 Figure 57: Armenian Personal Accident and Health Insurance - Total Investment Income (AMD Million), 2010-2014 Figure 58: Armenian Personal Accident and Health Insurance - Total Investment Income (AMD Million), 2014-2019 Figure 59: Armenian Personal Accident and Health Insurance - Net Written Premiums (AMD Billion), 2010-2014 Figure 60: Armenian Personal Accident and Health Insurance - Net Written Premiums (AMD Billion), 2014-2019 Figure 61: Armenian Personal Accident and Health Insurance - Total Investment (AMD Billion), 2010-2014 Figure 62: Armenian Personal Accident and Health Insurance - Penetration (%), 2010-2014 Figure 63: Armenian Personal Accident and Health Insurance - Direct Premium per Capita (AMD), 2010-2014 Figure 64: Armenian Personal Accident Insurance - Gross Written Premium (AMD Million), 2010-2014 Figure 65: Armenian Personal Accident Insurance - Gross Written Premium (AMD Million), 2014-2019 Figure 66: Armenian Health Insurance - Gross Written Premium (AMD Billion), 2010-2014 Figure 67: Armenian Health Insurance - Gross Written Premium (AMD Billion), 2014-2019 Figure 68: Armenian Travel Insurance - Gross Written Premium (AMD Million), 2010-2014 Figure 69: Armenian Travel Insurance - Gross Written Premium (AMD Million), 2014-2019 Figure 70: Armenian Reinsurance - Premium Ceded (Excluding Retrocession) by Insurance Segment (AMD Billion), 2010-2019 Figure 71: Armenian Reinsurance - Dynamics by Insurance Segment, 2010-2019 Figure 72: Armenian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014 Figure 73: Armenian Non-Life Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2014-2019 Figure 74: Armenian Personal Accident and Health Insurance - Percentage of Premium Ceded (Excluding Retrocession), 2010-2014 Figure 75: Armenian Personal Accident and Health Insurance - Percentage of Premium Ceded (%), 2014-2019 Figure 76: Armenian Frequency of Hazards by Type, 1990-2014 Figure 77: Armenian Economic Issues of Hazards by Type, 1990-2014 Figure 78: Armenia - Insurance Supervision and Control at Various Levels Figure 79: Armenia - Insurance Regulatory Frameworks for Company Registration and Operation

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