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SUMMARY
Finaccord's report titled Non-Life Bancassurance in Europe: Accident and
Health Insurance is the first ever dedicated study of the distribution of
accident and health insurance, excluding creditor insurance, by European
retail banks. The research is based on a survey of 670 retail banks and other
lending institutions serving consumers and 370 business banks in ten
territories in Europe: Austria, Belgium, France, Germany, Italy, the
Netherlands, the Nordic region (comprising Denmark, Norway and Sweden),
Portugal, Spain and the UK / Republic of Ireland.
By means of this investigation, the report sheds unprecedented light on the
extent of involvement of banks across Europe in the distribution of both
individual and group accident and health insurance policies. Types of
insurance defined within this category vary according to the local market
although typically include accidental death insurance, dental expenses
insurance, health / hospital cash plans, personal accident insurance, private
medical insurance and work incapacity insurance.
Moreover, the PartnerBASE™ database which accompanies the publication
offers a thorough means of researching current practice in bank-oriented
distribution of accident and health insurance on a bank-by-bank,
country-by-country or product-by-product basis. As such, this report and the
associated PartnerBASE™ database constitute the most detailed research
into the strategy of banks in accident and health insurance that has ever been
completed on a published basis at the pan-European level.
TABLE OF CONTENTS
0.0 EXECUTIVE SUMMARY
- Combined, accident and health insurance premiums were worth €87.9
billion in 2005...
- ... with a significant proportion of banks active in promoting both
individual and group policies
- In most territories, bancassurers appear to be growing their share for
this branch of insurance
- German banks continue to display an overwhelming preference for tied
agency distribution
- Use of brokerage models is fairly common in Austria, the Netherlands and
Spain...
- ... with captive insurers to the fore in Belgium, France, the Netherlands
and Portugal
- Austria: a significant proportion of banks display a preference for
broker-oriented solutions
- Belgium: bank-owned insurers make important advances in both accident and
health insurance
- France: bancassurers account for more than three quarters of sales of GAV
policies
- Germany: the ossified nature of distribution partnerships may be stifling
innovation
- Italy: bancassurers must seek to grow the under-developed accident and
health insurance market
- Netherlands: for group schemes, several of the major banking networks
distribute third party policies
- Nordic region: many banks market policies targeted specifically at
children and students
- Portugal: bank-owned insurers account for more than 60% of total non-life
insurance premiums
- Spain: BBVA and Sanitas set ambitious targets for their new health
insurance partnership
- UK / Ireland: HSBC and CIGNA combine to sell health insurance to small and
medium-sized firms
- Bancassurers will play a growing role in intermediation of accident and
health insurance in Europe...
- ... although their participation in this field must be characterised both
by simplicity and innovation
- Opportunities can be expected to arise for both insurance underwriters and
assistance providers
1.0 INTRODUCTION
- Finaccord
- Creditor insurance
- Mobile telephone insurance
- Travel insurance
- PartnerBASE™
- Rationale
- The advance of banks in life insurance and retirement savings is amply
documented...
- ... although this report offers the first in-depth review of activity in
accident and health insurance
- Methodology
- The research is based on a sample of 670 banks serving retail customers...
- ... and a second survey of 370 banks serving business customers to cover
group schemes
- Definitions
2.0 EUROPEAN OVERVIEW
- Introduction
- Market size and segmentation
- Gross premiums written advance at an annual average rate of 7.4% between
2001 and 2005
- The launch of GAV policies establishes France as Europe's largest accident
insurance market
- Germany accounts for almost 50% of health insurance premiums across the
territories considered
- Penetration rates
- Individual accident insurance
- Banks in the UK and Ireland focus on loan-related policies rather than
'general purpose' policies
- Individual health insurance
- Over 40% of retail banks in Europe promote health insurance to their
customers
- Group accident insurance
- Business banks in Austria and Germany are most likely to market group
accident policies...
- Group health insurance
- ... with their counterparts in Spain displaying a growing interest in
selling group health schemes
- Operating models
- Individual accident and health insurance
- The use of captive insurers is most prevalent in Belgium, France, the
Netherlands and Portugal
- Group accident and health insurance
- Broker models play virtually no part in bank-oriented distribution in
Germany or the Nordic region
3.0 AUSTRIA
- Introduction to the banking sector
- The Austrian retail banking market remains comparatively fragmented
- Bank Austria Creditanstalt serves 1.8 million customers in its domestic
market
- The Austrian Federation of Trade Unions assumed 100% ownership of BAWAG
PSK in 2004
- Like its rivals, Erste Bank has ambitious growth plans in Central and
Eastern Europe
- RZB ultimately supports 571 autonomous local credit co-operatives
- Many other banks operate at a local or regional level within Austria...
- ... including several institutions whose primary focus lies on retail
lending
- Market overview
- Gross premiums written for accident and health insurance breach the
€2 billion mark in 2005
- Bancassurance
- Taken at face value, Austrian banks appear to have had limited success in
non-life insurance...
- ... although much of their business is intermediated by internal and
external brokers
- Survey results
- Accident insurance - individual policies
- In spite of its name, Raiffeisen Versicherung is actually controlled by
Uniqa
- Several banks possess their own internal brokerage
- BAWAG Versicherung is the captive provider to banks within the BAWAG
grouping
- Health insurance - individual policies
- VMG Erste Bank Versicherungsmakler is an internal brokerage serving some
savings banks...
- ... while Raiffeisen Versicherungsmakler is often used by the
raiffeisenbanken
- Accident insurance - group policies
- A majority of business banks source group accident insurance through a
broker model...
- ... although Sparkassen Versicherung is the captive supplier to the
Austrian savings banks
- Health insurance - group policies
- Only Volkskreditbank maintains links with a single underwriter for group
health insurance schemes
- Competitor analysis
- Both Raiffeisen Versicherung and Porsche Versicherung achieve strong
premium growth...
- Raiffeisen Versicherung and Sparkassen Versicherung advance strongly in
accident insurance
4.0 BELGIUM
- Introduction to the banking sector
- In spite of substantial restructuring, Belgium's banking market remains
crowded
- Dexia, Fortis, ING and KBC lead the way...
- ... although numerous medium-sized and small banking ventures challenge
their dominance
- Market overview
- Health insurance grows at an annual average three times higher than
accident insurance
- Bancassurance
- Bank branches gain ground across most forms of non-life insurance in
Belgium...
- ... and the share of bank-owned insurers in both accident and health
insurance is substantial
- Survey results
- Accident insurance - individual policies
- Less than a third of retail banks in Belgium offer accident insurance to
individual customers
- Delta Lloyd Bank has linked with Assurax, an on-line broker, for a variety
of insurance products
- Health insurance - individual policies
- DKV maintain exclusive links for individual health insurance with both
BKCP and Europa Bank
- Accident and health insurance - group policies
- Three of the four main business banks in Belgium offer group accident and
health insurance
- Competitor analysis
- Belgium's bank-owned insurance companies continue to make progress in
non-life insurance
5.0 FRANCE
- Introduction to the banking sector
- Mutual and co-operative banks continue to play a substantial role in
French retail banking...
- ... albeit merger and acquisition activity have changed the landscape in
recent years
- Most foreign entrants fail to make significant headway in the problematic
French market
- ... with Abbey, Egg and San Paolo IMI having all withdrawn completely
- Specialised lenders also play an important role in French retail banking...
- ... as do financial services firms belonging to some of the country's
largest retailing groups
- The Crédit Municipal institutions: specialising in low value loans
charging low interest rates
- La Poste is playing an increasingly important part in the French retail
financial services scene
- Market overview
- Gross premiums written for health insurance overtake those for accident
insurance in 2005
- The GAV policy: another bancassurance success story for France?
- The GAV policy was formulated to cover the annual average of eight million
domestic accidents
- ... and extends to injuries incurred as a result of sporting or leisure
activities
- The French insurance industry acted collectively to develop the market for
GAV policies...
- ... although there is potential for insurers to customise their own
products in a variety of ways
- The GAV market has developed rapidly since its inception at the end of
2000...
- ... and is particularly suited to sale through the face-to-face channel
offered by bancassurers
- Bancassurance
- French banks have achieved only modest growth in non-life insurance in
more recent years
- Survey results
- Accident insurance - individual policies
- Individual accident insurance is commonly offered through the
bancassurance channel...
- .... with four of the major banking groups underwriting accident policies
through captive firms
- AIG's bancassurance deals for personal accident policies are with Banque
Accord and Diners Club
- Health insurance - individual policies
- Several major banks have thus far eschewed developed of individual health
insurance policies
- Accident and health insurance - group policies
- French banks have virtually no involvement whatsoever in the distribution
of group schemes
- Competitor analysis
- Almost all bank-owned insurers in France are expanding their share of
non-life insurance...
- ... with Crédit Agricole's Pacifica leading the way in accident and
health insurance
6.0 GERMANY
- Introduction to the banking sector
- Commercial banks struggle in the face of savings bank and credit
co-operative competition
- Germany's savings banks: continuing adherence to public sector insurers
remains the norm
- R&V is able to meet virtually all the insurance needs of credit
co-operative customers
- Foreign entrants show that reasonable returns can be generated from German
retail banking
- Germany's crowded banking sector provides other feasible bancassurance
opportunities
- Market overview
- Gross premiums written for health insurance in Germany reach €27.14
billion in 2005...
- ... with between 80% and 90% of the accident insurance market attributable
to consumers
- Bancassurance
- The distribution share of banks in total non-life insurance is unlikely to
exceed 10%
- Survey results
- Accident insurance - individual policies
- Personal accident insurance is widely offered to consumers by banks in
Germany
- Dortmunder Volksbank is a rarity among co-operatives by linking with a
private sector insurer
- Neue Leben is a joint venture involving Talanx and several savings banks
- Talanx is also the co-owner of underwriters used by both Citibank and
Postbank
- Health insurance - individual policies
- Over 60% of retail banks in Germany are active in the provision of
individual health insurance...
- ... with Union Krankenversicherung dominating distribution through public
sector savings banks
- ... and with DKV having begun distributing through Postbank
Vermögensberatung in March 2005
- Accident insurance - group policies
- The vast majority of banks serving business customers also offer group
accident insurance...
- ... with some variations visible in the underwriters used relative to
individual accident policies
- Health insurance - group policies
- German banks also prefer an exclusive link with a single underwriter for
group health schemes
- Competitor analysis
- R&V Versicherung outgrows its public sector rivals by a considerable margin
- Direct Line expands its business although the pace of change in Germany is
slow
- Only R&V Versicherung and CIV Versicherung make significant progress in
accident insurance...
- ... although all bank-oriented providers of health insurance gain market
share in health insurance
7.0 ITALY
- Introduction to the banking sector
- Consolidation and rationalisation change the face of retail banking in
Italy...
- ... with a fast-growing second tier of banks ready to challenge the big
six groups
- Acquisitions by ABN AMRO and BNP Paribas open the way to further foreign
entrants...
- ... although some have gained exposure already through joint ventures in
consumer finance
- Smaller specialised lenders service the market for cessione del quinto
loans
- Market overview
- Gross premiums written for accident and health insurance advance at an
annual average of 5.0%
- ... with around two thirds of the market attributable to individual as
opposed to group policies
- Bancassurance
- Italy's non-life bancassurance channel shows stronger signs of development
in 2005...
- ... although its aggregate distribution share falls short of 3% for both
accident and health policies
- Banks in Italy are likely to grow their distribution share of both
accident and health insurance
- Survey results
- Accident insurance - individual policies
- Individual accident is often sold in conjunction with lending products,
such as mortgages
- Arca Assicurazioni, Cattolica Assicurazioni and RAS lay claim to several
partnerships in this field...
- ... while Union Vita, an underwriter belonging to AIG, has linked with
Bancoposta and Fiditalia
- Banca Carige, BPU Banca, Monte dei Paschi di Siena and San Paolo IMI each
utilise captives
- ... and several smaller banks maintain a panel of insurers for personal
accident insurance
- Health insurance - individual policies
- Bank distribution of individual health insurance is similar to that for
personal accident insurance
- Accident insurance - group policies
- Fewer than 50% of banks serving business customers in Italy offer group
accident insurance...
- ... albeit many that are active in this domain have opted for brokerage
distribution systems
- Health insurance - group policies
- Bank participation in marketing group health schemes is less than for
group accident insurance
- Competitor analysis
- Banca Carige possesses the largest bank-owned non-life bancassurer in
Italy...
- ... although smaller underwriters operating in this field are achieving
more rapid growth
- Bank-owned underwriters make steady progress in Italy's accident insurance
market...
- ... and their development in health insurance shows real promise
- Monte dei Paschi di Siena: using accident and health insurance to enhance
customer loyalty
8.0 NETHERLANDS
- Introduction to the banking sector
- Three financial services giants dominate retail banking in the
Netherlands...
- ... albeit a number of smaller institutions fulfil specialist roles in the
Dutch market
- Market overview
- Average annual growth in gross premiums written exceeds 10% over the
2001-5 period
- Bancassurance
- Bank branches distribute around 11.0% of all non-life insurance policies
in the Netherlands
- Survey results
- Accident insurance - individual policies
- Few banks offer accident insurance that is not linked explicitly to retail
lending products...
- Health insurance - individual policies
- ... and individual health insurance is even less likely to be viewed a
viable bancassurance concept
- Rabobank: increasingly realising sales of accident and health insurance
through remote channels
- Accident and health insurance - group policies
- Both ING Bank and Rabobank sometimes source policies from external
underwriters
- Competitor analysis
- Combined banking and insurance groups account for over 25% of total
non-life premiums...
- ... with Interpolis recording particularly strong growth in accident and
health insurance
9.0 NORDIC REGION
- Introduction to the banking sector
- Four pan-Scandinavian banking institutions battle against mainly smaller
national competitors
- Danske Bank: the bank lays claim to 465 branches across its five main
countries of operation
- Handelsbanken: expansion in the Nordic region achieved through organic
growth and acquisitions
- Nordea: a leading financial services group in the Nordic and Baltic regions
- SEB: strategic acquisitions fuel expansion across Northern Europe
- Denmark: GE Money Bank and a series of smaller banks provide the
competition
- Norway: Den norske Bank has shielded itself from takeover by merging with
Gjensidige
- Sweden: FöreningsSparbanken lays claim to 4.1 million retail banking
clients in Sweden...
- ... although the incumbents are being challenged by both retailer banks
and foreign entrants
- Market overview
- Gross premiums written for accident and health insurance breach the
€2 billion mark in 2005
- Bancassurance
- Bank sales of accident and health inurance are greater than other forms of
non-life insurance
- Survey results
- Accident insurance - individual policies
- Two thirds of the Nordic region's retail banks promote individual accident
insurance
- Cardif Pinnacle has engineered a strong position for itself among Sweden's
savings banks...
- ... although a clutch of other underwriters lay claim to one exclusive
bank partnership each
- Policies designed specifically for children and / or students are commonly
marketed by banks
- Health insurance - individual policies
- Individual health insurance registers a similar rate of provision in the
bank distribution channel
- Accident insurance - group policies
- Nordic banks offering group accident insurance generally do so through a
single, external partner
- Health insurance - group policies
- Fewer than half of business banks survey are active in the marketing of
group health policies
- Competitor analysis
- Topdanmark's Danske Forsikring cedes market share of total non-life
insurance in Denmark
- Terra Skadeforsikring comfortably outpaces Sparebank 1 Skadeforsikring,
its larger rival
10.0 PORTUGAL
- Introduction to the banking sector
- Foreign entrants exert a strong influence of the development of the
banking market...
- ... with many specialised lending firms belonging to overseas parents
- Market overview
- Gross premiums written for accident and health insurance reach €1.31
billion in 2005
- Bancassurance
- Portuguese bancassurance benefits from bank ownership of several of the
largest insurers
- Survey results
- Accident insurance - individual policies
- Ten of the larger retail banking networks are active in individual
accident insurance
- Captive entities have some involvement in half of the examples identified
- Health insurance - individual policies
- Deutsche Bank and Millennium BCP utilise alternative providers for
individual health insurance
- Accident insurance - group policies
- Captive underwriters are also used by a number of banks for group accident
insurance
- Health insurance - group policies
- AXA Seguros collaborates with the Portuguese arms of both Barclays Bank
and BBVA
- Competitor analysis
- Bank-owned underwriters in Portugal secure more than 60% of total non-life
premiums written
11.0 SPAIN
- Introduction to the banking sector
- The main wave of consolidation in Spanish retail banking has now taken
place
- Many of Spain's savings banks are characterised by an independent,
entrepreneurial spirit
- Caser occupies a unique position in the Spanish bancassurance market
- New entrants may provide fresh bancassurance opportunities
- Specialised lenders and auto captives complete the list of potential
non-life insurance partners
- Market overview
- Gross premiums written for accident and health insurance in Spain exceed
€5 billion in 2005
- Bancassurance
- Banking institutions in Spain have made some progress in non-life
bancassurance...
- ... and their share of policies distributed may be higher than indicated
by the official figures
- Accident insurance - individual policies
- Over half of Spain's banks have developed stand-alone accident insurance
policies for consumers
- Four retail banking networks collaborate with Mapfre Seguros Generales in
this context
- Nine banking institutions underwrite individual accident insurance through
captive entities
- Health insurance - individual policies
- The partnerships and operating models use frequently differ for individual
health insurance...
- ... as specialists such as Adeslas, DKV Seguros and Sanitas are also
active in bancassurance
- BBVA / Sanitas: the new partnership aims to sign up 100,000 customers in
the first three years
- Accident insurance - group policies
- Over 70% of Spanish banks serving business customers offer group accident
insurance...
- ... with utilisation of internal brokerage units and multiple partners
strongly in evidence
- Health insurance - group policies
- Business banks in Spain are enthusiastic distributors of group health
insurance schemes...
- ... with specialist underwriters mounting a challenge to multi-line
insurers in the bank channel
- Competitor analysis
- The majority of non-life bancassurers in Spain are now making significant
advances...
- ... including Santander Seguros, which almost quadrupled its market share
from 2001 to 2005
12.0 UNITED KINGDOM / IRELAND
- Introduction to the banking sector
- Structural changes to the UK retail banking landscape have reached a hiatus
- New entrants have experienced mixed fortunes
- At the highest level, the market segments into banks, building societies
and specialised lenders
- Banks demonstrate little homogeneity in their approach towards
establishing partnerships
- Building societies gain market share of retail financial services at the
expense of banks
- Specialised lenders are a diverse category...
- ... with many belonging ultimately to larger and better-known financial
institutions
- In Ireland, the traditional duopoly of AIB and Bank of Ireland has been
challenged by new entrants
- Market overview
- Accident and health insurance gross premiums written surge at an annual
average of 11.6%
- Bancassurance
- Bank-owned distribution is boosted by the captive operations of HBOS and
RBoS...
- ... however, a smaller percentage of customers perceive that they are
buying from their bank
- In general, Irish banks display less enthusiasm for non-life bancassurance
than those in the UK
- Survey results
- Accident insurance - individual policies
- Few banks offer 'general purpose' accident insurance that is not
intrinsically linked to a loan...
- ... albeit a handful of significant distribution partnerships exist in
this field
- Stonebridge International Insurance: aiming to help partners to grow their
share of clients' wallets
- The firm aims to occupy a prominent position in partners' hierarchy of
complementary products
- Health insurance - individual policies
- Banks in the UK and Ireland are also cautious with regards to offering
individual health policies...
- ... albeit the Skipton B.S. possesses its own independent health insurance
intermediary...
- ... and AIB took a 30% stake in Vivas Health in 2004, thereby entering the
health insurance sector
- Accident insurance - group policies
- Where offered, group policies are merely an extension of commercial lines
bancassurance...
- Health insurance - group policies
- ... a finding that applies to most group health schemes as well as group
accident policies
- However, CIGNA has concluded an important link with HSBC to target small
businesses...
- ... making use of its experience of similar bancassurance initiatives
elsewhere in the world...
- ... and opening up opportunities for new product development
- Competitor analysis
- The non-life business of Royal Bank of Scotland saw market share fall in
2004 and 2005
GRAPHICS / TABLES
- Banks and other lending institutions contacted for the research -
individual accident and health insurance
- Business banks contacted for the research - group accident and health
insurance
- Accident and health insurance gross premiums written in Europe, 2001-5
- Accident insurance gross premiums written in Europe split by country,
2001-5
- Health insurance gross premiums written in Europe split by country, 2001-5
- Comparison of bank distribution of individual accident insurance in
Europe, 2006
- Comparison of bank distribution of individual health insurance in Europe,
2006
- Comparison of bank distribution of group accident insurance, 2006
- Comparison of bank distribution of group health insurance in Europe, 2006
- Comparison of operating models used for individual accident and health
insurance in Europe, 2006
- Comparison of operating models used for group accident and health
insurance in Europe, 2006
- Gross premiums written for accident and health insurance in Austria, 2001-5
- Bank provision of individual accident insurance in Austria: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Austria: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Austria: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Austria: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Austria, 2003-5
- Market shares for key bancassurance competitors in accident insurance in
Austria, 2003-5
- Gross premiums written for accident and health insurance in Belgium, 2001-5
- Bank provision of individual accident insurance in Belgium: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Belgium: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident and health ins. in Belgium: pen. rates,
op. models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Belgium, 2003-4
- Gross premiums written for accident and health insurance in France, 2001-5
- Bank provision of individual accident insurance in France: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in France: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident and health ins. in France: pen. rates,
op. models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
France, 2003-4
- Market shares for key bancassurance competitors in accident and health
insurance in France, 2003-4
- Gross premiums written for accident and health insurance in Germany, 2001-5
- Bank provision of individual accident insurance in Germany: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Germany: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Germany: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Germany: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Germany, 2001-4
- Market shares for key bancassurance competitors in accident insurance in
Germany, 2001-4
- Market shares for key bancassurance competitors in health insurance in
Germany, 2001-4
- Gross premiums written for accident and health insurance in Italy, 2001-5
- Bank provision of individual accident insurance in Italy: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Italy: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Italy: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Italy: pen. rates, op. models
and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Italy, 2001-5
- Market shares for key bancassurance competitors in accident insurance in
Italy, 2001-5
- Market shares for key bancassurance competitors in health insurance in
Italy, 2001-5
- Gross premiums written for accident and health insurance in the
Netherlands, 2001-5
- Bank provision of individual accident ins. in the Netherlands: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health ins. in the Netherlands: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group acc. and health ins. in the N'lands: pen. rates,
op. models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the Netherlands, 2003-4
- Market shares for key bancassurance competitors in accident and health
insurance in the Netherlands, 2003-4
- Gross premiums written for accident and health insurance in the Nordic
region, 2001-5
- Bank provision of individual acc. ins. in the Nordic region: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health ins. in the Nordic region: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group accident ins. in the Nordic region: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group health ins. in the Nordic region: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the Nordic region, 2003-5
- Gross premiums written for accident and health insurance in Portugal,
2001-5
- Bank provision of individual accident insurance in Portugal: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Portugal: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Portugal: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Portugal: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Portugal, 2001-4
- Gross premiums written for accident and health insurance in Spain, 2001-5
- Bank provision of individual accident insurance in Spain: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of individual health insurance in Spain: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group accident insurance in Spain: pen. rates, op.
models and partner mrkt. shares, 2006
- Bank provision of group health insurance in Spain: pen. rates, op. models
and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
Spain, 2001-5
- Gross premiums written for accident and health insurance in the UK and
Ireland, 2001-5
- Bank provision of ind. accident ins. in the UK and Ireland: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of individual health ins. in the UK and Ireland: pen.
rates, op. models and partner mrkt. shares, 2006
- Bank provision of group accident ins. in the UK and Ireland: pen. rates,
op. models and partner mrkt. shares, 2006
- Bank provision of group health ins. in the UK and Ireland: pen. rates, op.
models and partner mrkt. shares, 2006
- Market shares for key bancassurance competitors in non-life insurance in
the UK and Ireland, 2003-5
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