Personal Accident and Health Insurance in the UAE, Key Trends and Opportunities to 2019

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The country’s healthcare system is broadly divided into public and private healthcare services. Public healthcare is overseen by the Ministry of Health, although a lack of skilled personnel in government health institutions and the unavailability of specialized treatments drove the country’s population towards private healthcare during the review period (2010 to 2014).
Positive socio-economic factors are expected to drive personal accident and health insurance. The segment’s gross written premium is expected to increase from AED10.5 billion (US$2.9 billion) in 2014 to AED17.8 billion (US$4.8 billion) in 2019, at a forecast period (up to2019) compound annual growth rate (CAGR) of 11.1%.

In February 2015, the Insurance Authority implemented solvency requirements similar to the European model for both traditional and takaful insurers operating in the country. According to the new regulations, investment guidelines have been set for insurance companies as follows:
Overall exposure to real estate assets is limited to 30%.
Investment in equities is limited to 30%, in which only one-third may be invested in a particular asset class. Mutual fund investments are limited to 20%, in which only one-third may be invested in a particular asset class.
Insurers can invest 100% of assets in securities and bonds issued by the UAE government with a 25% limit on each investment, or 80% in non-UAE government bonds with a 25% limit on each investment. Insurers must also deposit a minimum of 5% with a bank.
These government initiatives are expected to strengthen insurers’ investment portfolios and financial positions over the forecast period.

Scope

• The UAE personal accident and health insurance segment’s growth prospects by insurance category

• Analysis of the key trends, drivers and challenges for the personal accident and health insurance segment

• Detail on the various distribution channels in the UAE personal accident and health insurance segment

• An overview of the competitive landscape in the personal accident and health insurance segment in the UAE

• Key developments in the UAE personal accident and health insurance segment

• An assessment of the new products launched by UAE personal accident and health insurers

• Historical values for the UAE personal accident and health insurance segment for the report’s 2010 to 2014 review period, along with projected figures up to 2019

• A series of profiles of the leading accident and health insurance companies in the UAE

Key Highlights

At what CAGR did the personal accident and health insurance segment grow in the UAE in the review period?

How much of the segment’s gross written premium in 2014 is accounted for by the health insurance category?

What are the key drivers for the segment’s growth, and what are they anticipated to encourage in the market over the forecast period?

What was the second-largest distribution channel in the UAE in 2014? How much of the segment’s overall direct written premium did it account for?

What was the largest distribution channel and what was the key factor for this? How much of the direct written premium did this account for in 2014?

Reasons to Buy

• Make strategic business decisions utilizing GlobalData’s in-depth historic and forecast market data on each category within the UAE personal accident and health insurance segment

• Identify the key market trends and growth opportunities in the personal accident and health insurance segment in the UAE. Assess the new products and the propositions behind them, whilst evaluating the opportunities these represent to support your expansion strategy

• Analyze the regulatory developments in the UAE insurance industry and ensure you are compliant and aware of any associated risks to your revenues

• Identify the market dynamics and streamline your provisions to ensure your marketing is efficiently received and cost effective

• Investigate historic and forecast values and assess the growth patterns in the category, to target your operations and formulate strategies that minimise any risk to your profit margins

Oman Insurance Company
Abu Dhabi National Insurance Company
Orient Insurance Company
Emirates Insurance Company
Al Ain Ahlia Insurance Company
Al Buhaira National Insurance Company
Union Insurance Company
National General Insurance Company
Al Wathba National Insurance Company
Al-Sagr National Insurance Company

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 Personal Accident and Health Insurance Segment Outlook

5.1 Key Drivers

5.2 Key Trends

5.3 Challenges

5.4 Personal Accident and Health Insurance Growth Prospects by Category

5.4.1 Personal accident insurance

5.4.2 Health insurance

5.4.3 Non-life health insurance

6 Analysis by Distribution Channel

6.1 Direct Marketing

6.2 Agencies

6.3 Brokers

7 Competitive Landscape and Strategic Insights

7.1 Overview

7.2 Leading Companies in the UAE Personal Accident and Health Insurance Segment

7.2.1 Oman Insurance Company – company overview

7.2.2 Abu Dhabi National Insurance Company – company overview

7.2.3 Orient Insurance Company – company overview

7.2.4 Emirates Insurance Company – company overview

7.2.5 Al Ain Ahlia Insurance Company – company overview

7.2.6 Al Buhaira National Insurance Company – company overview

7.2.7 Union Insurance Company – company overview

7.2.8 National General Insurance Company – company overview

7.2.9 Al Wathba National Insurance Company – company overview

7.2.10 Al Sagr National Insurance Company – company overview

8 Governance, Risk and Compliance

8.1 Legislation Overview and Historical Evolution

8.2 Latest Changes in Regulations

8.3 Legislation and Market Practice by Type of Insurance

8.3.1 Life insurance

8.3.2 Property insurance

8.3.3 Motor insurance

8.3.4 Liability insurance

8.3.5 Marine, aviation and transit insurance

8.3.6 Personal accident and health insurance

8.4 Compulsory Insurance

8.4.1 Motor third-party liability insurance

8.4.2 Health insurance

8.4.3 Medical liability insurance

8.5 Supervision and Control

8.5.1 International Association of Insurance Supervisors

8.5.2 Insurance Authority

8.5.3 Dubai Financial Services Authority

8.5.4 Emirates Insurance Association

8.6 Non-Admitted Insurance Regulations

8.6.1 Overview

8.6.2 Intermediaries

8.6.3 Market practices

8.6.4 Fines and penalties

8.7 Company Registration and Operations

8.7.1 Types of insurance organization

8.7.2 Establishing a local company

8.7.3 Foreign ownership

8.7.4 Types of license

8.7.5 Capital requirements

8.7.6 Solvency margins

8.7.7 Reserve requirements

8.7.8 Investment regulations

8.7.9 Statutory return requirements

8.7.10 Fee structure

8.8 Taxation

8.8.1 Insurance premium or policy taxation

8.8.2 Withholding taxes on premium paid overseas

8.8.3 Corporate tax

8.8.4 VAT

8.8.5 Captives

8.9 Legal System

8.9.1 Introduction

8.9.2 Access to court

8.9.3 Alternative dispute resolution (ADR)

9 Appendix

9.1 Methodology

9.2 Contact GlobalData

9.3 About GlobalData

9.4 GlobalData’s Services

9.5 Disclaimer

Table

Table 1: UAE Personal Accident and Health Insurance – Key Facts, 2014

Table 2: Insurance Industry Definitions

Table 3: UAE Government Credit Ratings

Table 4: UAE Personal Accident and Health Insurance – Gross Written Premium by Category (AED Billion), 2010–2014

Table 5: UAE Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2010–2014

Table 6: UAE Personal Accident and Health Insurance – Gross Written Premium by Category (AED Billion), 2014–2019

Table 7: UAE Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Billion), 2014–2019

Table 8: UAE Personal Accident and Health Insurance – Direct Written Premium by Category (AED Billion), 2010–2014

Table 9: UAE Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2010–2014

Table 10: UAE Personal Accident and Health Insurance – Direct Written Premium by Category (AED Billion), 2014–2019

Table 11: UAE Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Billion), 2014–2019

Table 12: UAE Personal Accident and Health Insurance – Net Earned Premium (AED Billion), 2010–2014

Table 13: UAE Personal Accident and Health Insurance – Net Earned Premium (AED Billion), 2014–2019

Table 14: UAE Personal Accident and Health Insurance – Paid Claims by Category (AED Billion), 2010–2014

Table 15: UAE Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2010–2014

Table 16: UAE Personal Accident and Health Insurance – Paid Claims by Category (AED Million), 2014–2019

Table 17: UAE Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2014–2019

Table 18: UAE Personal Accident and Health Insurance – Incurred Loss by Category (AED Million), 2010–2014

Table 19: UAE Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2010–2014

Table 20: UAE Personal Accident and Health Insurance – Incurred Loss by Category (AED Million), 2014–2019

Table 21: UAE Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2014–2019

Table 22: UAE Personal Accident and Health Insurance – Net Written Premium by Category (AED Million), 2010–2014

Table 23: UAE Personal Accident and Health Insurance – Net Written Premium by Category (US$ Million), 2010–2014

Table 24: UAE Personal Accident and Health Insurance – Net Written Premium by Category (AED Billion), 2014–2019

Table 25: UAE Personal Accident and Health Insurance – Net Written Premium by Category (US$ Million), 2014–2019

Table 26: UAE Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014

Table 27: UAE Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019

Table 28: UAE Personal Accident and Health Insurance – Commission and Expenses (AED Billion), 2010–2014

Table 29: UAE Personal Accident and Health Insurance – Commission and Expenses (AED Billion), 2014–2019

Table 30: UAE Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014

Table 31: UAE Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019

Table 32: UAE Personal Accident and Health Insurance – Number of Policies per Capita, 2010–2014

Table 33: UAE Personal Accident and Health Insurance – Number of Policies per Capita, 2014–2019

Table 34: UAE Personal Accident and Health Insurance – Total Assets (AED Billion), 2010–2014

Table 35: UAE Personal Accident and Health Insurance – Total Assets (AED Billion), 2014–2019

Table 36: UAE Personal Accident and Health Insurance – Total Investment Income (AED Million), 2010–2014

Table 37: UAE Personal Accident and Health Insurance – Total Investment Income (AED Million), 2014–2019

Table 38: UAE Personal Accident and Health Insurance – Net Written Premium (% of GWP), 2010–2014

Table 39: UAE Personal Accident and Health Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2014–2019

Table 40: UAE Personal Accident Insurance – Number of Policies Sold (Thousand), 2010–2014

Table 41: UAE Personal Accident Insurance – Number of Policies Sold (Thousand), 2014–2019

Table 42: UAE Personal Accident Insurance – Direct Written Premium (AED Million), 2010–2014

Table 43: UAE Personal Accident Insurance – Direct Written Premium (AED Million), 2014–2019

Table 44: UAE Personal Accident Insurance – Loss Ratio (%), 2010–2014

Table 45: UAE Personal Accident Insurance – Loss Ratio (%), 2014–2019

Table 46: UAE Health Insurance – Gross Written Premium (AED Billion), 2010–2014

Table 47: UAE Health Insurance – Gross Written Premium (US$ Billion), 2010–2014

Table 48: UAE Health Insurance – Gross Written Premium by Sub-Category (AED Billion), 2014–2019

Table 49: UAE Health Insurance – Gross Written Premium by Sub-Category (US$ Billion), 2014–2019

Table 50: UAE Non-Life Health Insurance – Number of Policies Sold (Thousand), 2010–2014

Table 51: UAE Non-Life Health Insurance – Number of Policies Sold (Thousand), 2014–2019

Table 52: UAE Non-Life Health Insurance – Direct Written Premium (AED Billion), 2010–2014

Table 53: UAE Non-Life Health Insurance – Direct Written Premium (AED Billion), 2014–2019

Table 54: UAE Non-Life Health Insurance – Paid Claims (AED Billion), 2010–2014

Table 55: UAE Non-Life Health Insurance – Paid Claims (AED Billion), 2014–2019

Table 56: UAE Non-Life Health Insurance – Loss Ratio (%), 2010–2014

Table 57: UAE Non-Life Health Insurance – Loss Ratio (%), 2014–2019

Table 58: UAE Non-Life Health Insurance – Net Written Premium (AED Billion), 2010–2014

Table 59: UAE Non-Life Health Insurance – Net Written Premium (AED Billion), 2014–2019

Table 60: UAE Personal Accident and Health Insurance – Direct Marketing Value of Commission (AED Billion), 2010–2014

Table 61: UAE Personal Accident and Health Insurance – Direct Marketing Value of Commission (AED Billion), 2014–2019

Table 62: UAE Personal Accident and Health Insurance – Direct Marketing Direct Written Premium (AED Billion), 2010–2014

Table 63: UAE Personal Accident and Health Insurance – Direct Marketing Direct Written Premium (AED Billion), 2014–2019

Table 64: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Direct Marketing (Thousand), 2010–2014

Table 65: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Direct Marketing (Thousand), 2014–2019

Table 66: UAE Personal Accident and Health Insurance – Agencies’ Value of Commission (AED Billion), 2010–2014

Table 67: UAE Personal Accident and Health Insurance – Agencies’ Value of Commission (AED Billion), 2014–2019

Table 68: UAE Personal Accident and Health Insurance – Agencies’ Direct Written Premium (AED Billion), 2010–2014

Table 69: UAE Personal Accident and Health Insurance – Agencies’ Direct Written Premium (AED Billion), 2014–2019

Table 70: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Agencies (Thousand), 2010–2014

Table 71: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Agencies (Thousand), 2014–2019

Table 72: UAE Personal Accident and Health Insurance – Brokers’ Value of Commission (AED Billion), 2010–2014

Table 73: UAE Personal Accident and Health Insurance – Brokers’ Value of Commission (AED Billion), 2014–2019

Table 74: UAE Personal Accident and Health Insurance – Brokers’ Direct Written Premium (AED Billion), 2010–2014

Table 75: UAE Personal Accident and Health Insurance – Brokers’ Direct Written Premium (AED Billion), 2014–2019

Table 76: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Brokers (Thousand), 2010–2014

Table 77: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Brokers (Thousand), 2014–2019

Table 78: UAE Life Insurance – Segment Shares (%), 2014

Table 79: Oman Insurance Company – Key Facts

Table 80: Oman Insurance Company – Key Financials (AED Million), 2010–2014

Table 81: Abu Dhabi National Insurance Company – Key Facts

Table 82: Abu Dhabi National Insurance Company – Key Financials (AED Million), 2010–2014

Table 83: Orient Insurance Company – Key Facts

Table 84: Orient Insurance Company – Key Financials (AED Million), 2010–2014

Table 85: Emirates Insurance Company – Key Facts

Table 86: Emirates Insurance Company – Key Financials (AED Million), 2010–2014

Table 87: Al Ain Ahlia Insurance Company – Key Facts

Table 88: Al Ain Ahlia Insurance Company – Key Financials (AED Million), 2010–2014

Table 89: Al Buhaira National Insurance Company – Key Facts

Table 90: Al Buhaira National Insurance Company – Key Financials (AED Million), 2010–2014

Table 91: Union Insurance Company – Key Facts

Table 92: Union Insurance Company – Key Financials (AED Million), 2010–2014

Table 93: National General Insurance Company – Key Facts

Table 94: National General Insurance Company – Key Financials (AED Million), 2010–2014

Table 95: Al Wathba National Insurance Company – Key Facts

Table 96: Al Wathba National Insurance Company – Key Financials (AED Million), 2010–2014

Table 97: Al-Sagr National Insurance Company – Key Facts

Table 98: Al-Sagr National Insurance Company – Key Financials (AED Million), 2010–2014

Table 99: UAE – Insurance Regulatory Framework Key Features

Table 100: UAE – Life Insurance Regulatory Framework

Table 101: UAE – Property Insurance Regulatory Framework

Table 102: UAE – Motor Insurance Regulatory Framework

Table 103: UAE – Liability Insurance Regulatory Framework

Table 104: UAE – Maximum Limits for Investments in Various Assets by Insurers

Figures

Figure 1: UAE Real GDP (US$ Billion), 2010–2019

Figure 2: AED–US$ Exchange Rate, 2010–2019

Figure 3: UAE Consumer Price Inflation, 2010–2019

Figure 4: UAE Current Account Balance as Percentage of GDP (%), 2010–2019

Figure 5: UAE Unemployment Rate, 2010–2019

Figure 6: UAE Population by Age Group, 1990–2025

Figure 7: UAE Insurance Industry – Outbound Tourism (Thousand), 2010–2014

Figure 8: UAE Insurance Industry – Population Distribution by Gender and Age Group, 2010 and 2014

Figure 9: UAE Personal Accident and Health Insurance – Gross Written Premium by Category (AED Billion), 2010–2019

Figure 10: UAE Personal Accident and Health Insurance – Gross Written Premium by Category (Percentage Share), 2014 and 2019

Figure 11: UAE Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2010–2019

Figure 12: UAE Personal Accident and Health Insurance – Direct Written Premium by Category (AED Billion), 2010–2019

Figure 13: UAE Personal Accident and Health Insurance – Direct Written Premium by Category (Percentage Share), 2014 and 2019

Figure 14: UAE Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2010–2019

Figure 15: UAE Personal Accident and Health Insurance – Net Earned Premium (AED Billion), 2010–2014

Figure 16: UAE Personal Accident and Health Insurance – Net Earned Premium (AED Billion), 2014–2019

Figure 17: UAE Personal Accident and Health Insurance – Paid Claims by Category (AED Billion), 2010–2019

Figure 18: UAE Personal Accident and Health Insurance – Incurred Loss by Category (AED Billion), 2010–2019

Figure 19: UAE Personal Accident and Health Insurance – Net Written Premium by Category (AED Billion), 2010–2019

Figure 20: UAE Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014

Figure 21: UAE Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019

Figure 22: UAE Personal Accident and Health Insurance – Commission and Expenses (AED Billion), 2010–2014

Figure 23: UAE Personal Accident and Health Insurance – Commission and Expenses (AED Billion), 2014–2019

Figure 24: UAE Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014

Figure 25: UAE Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019

Figure 26: UAE Personal Accident and Health Insurance – Number of Policies per Capita, 2010–2014

Figure 27: UAE Personal Accident and Health Insurance – Number of Policies per Capita, 2014–2019

Figure 28: UAE Personal Accident and Health Insurance – Total Assets (AED Billion), 2010–2014

Figure 29: UAE Personal Accident and Health Insurance – Total Assets (AED Billion), 2014–2019

Figure 30: UAE Personal Accident and Health Insurance – Total Investment Income (AED Million), 2010–2014

Figure 31: UAE Personal Accident and Health Insurance – Total Investment Income (AED Million), 2014–2019

Figure 32: UAE Personal Accident and Health Insurance – Net Written Premium (% of GWP), 2010–2014

Figure 33: UAE Personal Accident and Health Insurance – Net Written Premium as a Percentage of Gross Written Premium (%), 2014–2019

Figure 34: UAE Personal Accident and Health Insurance – Investment Portfolio (AED Billion), 2010–2014

Figure 35: UAE Personal Accident and Health Insurance – Investment Portfolio (% Share), 2010 and 2014

Figure 36: UAE Personal Accident and Health Insurance Penetration (%), 2010–2014

Figure 37: UAE Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2010–2014

Figure 38: UAE Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2014–2019

Figure 39: UAE Personal Accident and Health Insurance – Direct Premium per Capita (AED), 2010–2014

Figure 40: UAE Personal Accident Insurance – Number of Policies Sold (Thousand), 2010–2014

Figure 41: UAE Personal Accident Insurance – Number of Policies Sold (Thousand), 2014–2019

Figure 42: UAE Personal Accident Insurance – Direct Written Premium (AED Million), 2010–2014

Figure 43: UAE Personal Accident Insurance – Direct Written Premium (AED Million), 2014–2019

Figure 44: UAE Personal Accident Insurance – Loss Ratio (%), 2010–2014

Figure 45: UAE Personal Accident Insurance – Loss Ratio (%), 2014–2019

Figure 46: UAE Non-Life Health Insurance – Number of Policies Sold (Thousand), 2010–2014

Figure 47: UAE Non-Life Health Insurance – Number of Policies Sold (Thousand), 2014–2019

Figure 48: UAE Non-Life Health Insurance – Direct Written Premium (AED Billion), 2010–2014

Figure 49: UAE Non-Life Health Insurance – Direct Written Premium (AED Billion), 2014–2019

Figure 50: UAE Non-Life Health Insurance – Paid Claims (AED Billion), 2010–2014

Figure 51: UAE Non-Life Health Insurance – Paid Claims (AED Billion), 2014–2019

Figure 52: UAE Non-Life Health Insurance – Loss Ratio (%), 2010–2014

Figure 53: UAE Non-Life Health Insurance – Loss Ratio (%), 2014–2019

Figure 54: UAE Non-Life Health Insurance – Net Written Premium (AED Billion), 2010–2014

Figure 55: UAE Non-Life Health Insurance – Net Written Premium (AED Billion), 2014–2019

Figure 56: UAE Personal Accident and Health Insurance – Direct Written Premium by Distribution Channel (% Share), 2014 and 2019

Figure 57: UAE Personal Accident and Health Insurance – Direct Marketing Value of Commission (AED Billion), 2010–2014

Figure 58: UAE Personal Accident and Health Insurance – Direct Marketing Value of Commission (AED Billion), 2014–2019

Figure 59: UAE Personal Accident and Health Insurance – Direct Marketing Direct Written Premium (AED Billion), 2010–2014

Figure 60: UAE Personal Accident and Health Insurance – Direct Marketing Direct Written Premium (AED Billion), 2014–2019

Figure 61: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Direct Marketing (Thousand), 2010–2014

Figure 62: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Direct Marketing (Thousand), 2014–2019

Figure 63: UAE Personal Accident and Health Insurance – Agencies’ Value of Commission (AED Billion), 2010–2014

Figure 64: UAE Personal Accident and Health Insurance – Agencies’ Value of Commission (AED Billion), 2014–2019

Figure 65: UAE Personal Accident and Health Insurance – Agencies’ Direct Written Premium (AED Billion), 2010–2014

Figure 66: UAE Personal Accident and Health Insurance – Agencies’ Direct Written Premium (AED Billion), 2014–2019

Figure 67: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Agencies (Thousand), 2010–2014

Figure 68: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Agencies (Thousand), 2014–2019

Figure 69: UAE Personal Accident and Health Insurance – Brokers’ Value of Commission (AED Billion), 2010–2014

Figure 70: UAE Personal Accident and Health Insurance – Brokers’ Value of Commission (AED Billion), 2014–2019

Figure 71: UAE Personal Accident and Health Insurance – Brokers’ Direct Written Premium (AED Billion), 2010–2014

Figure 72: UAE Personal Accident and Health Insurance – Brokers’ Direct Written Premium (AED Billion), 2014–2019

Figure 73: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Brokers (Thousand), 2010–2014

Figure 74: UAE Personal Accident and Health Insurance – Number of Policies Sold Through Brokers (Thousand), 2014–2019

Figure 75: UAE Life Insurance – Segment Shares (%), 2014

Figure 76: UAE – Insurance Supervision and Control at Various Levels

Figure 77: UAE – Insurance Regulatory Frameworks for Company Registration and Operation

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