Market Research Report

Personal Accident and Health Insurance in India,

Key Trends and Opportunities to 2018
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Synopsis:
The report provides in depth market analysis, information and insights into the Indian
personal accident and health insurance segment, including:
The Indian personal accident and health insurance segments growth prospects by
insurance category
Key trends and drivers for the personal accident and health insurance segment
The various distribution channels in the Indian personal accident and health insurance
segment
The detailed competitive landscape of the personal accident and health insurance segment
in India
Detailed regulatory policies of the Indian insurance industry
A description of the personal accident and health reinsurance segment in India
Porter's Five Forces analysis of the personal accident and health insurance segment
A benchmarking section on Indian personal accident and health insurance segment in
comparison with other BRICS countries

Report Overview:
The Indian personal accident and health insurance segment posted significant growth during
the review period. The segments gross written premium increased at a review-period (20092013) compound annual growth rate (CAGR) of 21.1%, despite the global financial crisis.
The robust growth was driven by increasing healthcare expenditure, favorable government
initiatives for large-scale health insurance programs, and the liberalization of industry
regulations. Despite the increase, penetration remains low due to a lack of consumer
awareness of personal accident and health insurance - especially in rural areas, a lack of
cover for many diseases, and dependence on sales of products with attached tax benefits.

Scope :
This report provides a comprehensive analysis of the personal accident and health
insurance segment in India:
It provides historical values for the Indian personal accident and health insurance segment
for the reports 2009-2013 review period, and projected figures for the 2013-2018 forecast
period.
It offers a detailed analysis of the key sub-segments in the Indian personal accident and
health insurance segment, along with market forecasts until 2018.
It covers an exhaustive list of parameters, including written premium, incurred loss, loss
ratio, commissions and expenses, combined ratio, frauds and crimes, total assets, total
investment income and retentions.
It analyses the various distribution channels for personal accident and health insurance
products in India.
Using Porters industry-standard Five Forces analysis, it details the competitive
landscape in India for the personal accident and health insurance segment.
It provides a detailed analysis of the reinsurance segment in India and its growth
prospects.
It profiles the top personal accident and health insurance companies in India and outlines
the key regulations affecting them.

Key Highlights :
The personal accident and health segment accounted for 5.2% of the overall insurance
industrys gross written premium in 2013

During the review period (2009-2013) the Indian personal accident and health insurance
segment recorded a CAGR of 21.1%.
Healthcare was one of the fastest-growing categories in India with a review-period CAGR of
22.0%, but a substantial proportion of the population is still unaware of health insurance,
especially in rural areas.
In July 2013, IRDA proposed an increase in the FDI limit from 26% to 49% in order to
improve, promote and develop the domestic insurance industry, which was approved by the
CCEA in July 2014. The increased cap is anticipated to attract global insurers to invest in the
segment, intensifying competition over the forecast period.

Health insurers used numerous prominent platforms such as print media and television, as
well as organizing free health camps, to raise awareness of health insurance during the
review period.

Table of Contents:
1 Key Facts and Events
2 Executive Summary
3 Introduction
4 Indian Insurance Industry Attractiveness
5 Personal Accident and Health Insurance Segment Outlook
6 Analysis by Distribution Channel
7 Governance, Risk and Compliance
8 Competitive Landscape and Strategic Insights
9 Appendix - 1
10 Appendix - 2

Reason To Buy :
Make strategic business decisions using in depth historic and forecast market data related
to Indian personal accident and health insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within
Indian personal accident and health insurance segment
Assess the competitive dynamics in the personal accident and health insurance segment,
along with the reinsurance segment
Identify the growth opportunities and market dynamics within key product categories
Gain insights into key regulations governing Indian insurance segment, and their impact on
companies and the market's future

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