发布时间：2008.3

摘要

Countries covered: Germany

The German Insurance Industry Report provides insightful analysis, market briefs, industry structure and outlook of life and non-life insurance industries in the country. The report also examines the pension market and other sectors of non-life insurance industry like property, health, fire, natural catastrophe, homeowners, and motor insurance among others. Get a rudimentary insight into the German financial system; direct writing, key legislative measures and insurance pools in the country. The report provides a compilation and discussion on recent spate of mergers & acquisitions and other industry activities, which have irreversibly changed the landscape of the industry. Get a bird’s eye view of the latest launches of insurance products by major industry players in the country. The report also peeps into the recent past/ historical perspective of the country’s insurance market and corporate developments within the industry. A regional level discussion also looks into the leading companies’ footing in these markets along with their annual written premiums and/ or market shares. The report discusses several key and niche players such as Allianz SE, Debeka Krankenversicherungsverein auf Gegenseitigkeit, DKV Deutsche Krankenversicherung AG, Atradius, Hanover Re Group, and Muenchener Rueckversicherungs-Gesellschaft AG.

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目录及图表

1. German Insurance Industry - An Insight

Regulatory Reforms: Taxing the Future of Life?

Europe’s Largest Life Insurance Market

Table 1: German Recent Past, Current & Future Analysis for

Insurance Industry by Segment - Life & Non-Life Markets

Independently Analyzed with Annual Premium Income in US$

Million for the Years 2006 through 2010 (includes

corresponding Graph/Chart)

Table 2: German 5-Year Perspective for Insurance Industry by

Segment - Percentage Breakdown of Premium Income for Life and

Non-Life Markets for 2006, 2008, and 2010 (includes

corresponding Graph/Chart)

Table 3: German Insurance Industry (2006): Per Capita Premium

in US$, and Penetration of Insurance by Category - Life and

Non-Life

Abroad Business of German Companies

Table 4: German Insurance Industry (2007 & 2008): Percentage

Breakdown of Premiums Written Abroad by German Insurance

Companies by Category - Non-Life Insurance (Marine, General

Liability, Fire & Other Property, Accident/Health and Other

Insurance Class) and Life Insurance (includes corresponding

Graph/Chart)

September 11 Attacks Spur the Emergence of Reinsurance Agencies

Table 5: German Recent Past, Current & Future Analysis for

Reinsurance Industry with Annual Premium Income in Euro

Million for the Years 2006 through 2010 (includes

corresponding Graph/Chart)

Insurance Linked to the Economy

Challenges Facing the Sector

2. Industry Structure

Table 6: German Insurance Industry (2005 & 2006): Percentage

Breakdown of Gross Written Premiums in Private Insurance

(Direct Business) by Category -Life Assurance, Private Health

Insurance, Non-Life Insurance (Accident, General Liability,

Legal Expenses, Motor, Marine, Property, and Credit) (includes

corresponding Graph/Chart)

Table 7: German Insurance Industry (2005 & 2006): Percentage

Breakdown of Claims Paid by Direct Insurers (Within GDV) by

Category -Life Assurance, Private Health Insurance, Non-Life

Insurance (Accident, General Liability, Legal Expenses, Motor,

Marine, Property, and Credit) (includes corresponding

Graph/Chart)

Table 8: German Insurance Industry (2005): Percentage

Breakdown of Investments by Private Insurers by Category -

Life Assurance, Health Insurance, Non-Life Insurance, and

Reinsurance (includes corresponding Graph/Chart)

Table 9: German Insurance Industry (2005): Number of Agents

and Brokers Employed (in Thousands) by Type - Insurance

Brokers, Independent Full-Time Agents, and Part-Time Agents

(includes corresponding Graph/Chart)

Table 10: German Reinsurance Market (2005 & 2006): Gross and

Net Premiums in € Million by Category - Life/Health, Property

& Casualty, Financial Reinsurance, and Specialty Reinsurance

(includes corresponding Graph/Chart)

Table 11: German Reinsurance Industry (2007 & 2008):

Percentage Breakdown of Premium Income by Category - Life,

Fire, Motor, General Liability, Private Accident, Marine and

Others (includes corresponding Graph/Chart)

Insurance Penetration in German Households

Table 12: German Insurance Industry (1991-2004): Insurance

Penetration Rate in German Households (In %) (includes

corresponding Graph/Chart)

Personal Lines Remain A Terrain for Few

P & C Retains Vitality with Steadier Pricing in Commercial Lines

Consolidation Scenario

Significance of a Single Market

Table 13: German Insurance Industry (2004 & 2005): Number of

Insurance Companies by Sector for Life, Health, Non-Life, and

Reinsurance (includes corresponding Graph/Chart)

Table 14: German Insurance Industry (1990-2006): Number of

Insurance Companies by Sector for Life, Health, Non-Life,

and Reinsurance (includes corresponding Graph/Chart)

3. Outlook

4. Life Insurance Sector

Life Insurance Market Trends - Review of First Half of 2006

Highlights

Table 15: German Life Insurance Industry (2007 & 2008):

Percentage Breakdown of Premiums by Category - Endowment,

Annuities & Pensions, Unit-Linked Endowment & Annuity,

Collective Policies and Supplementary Insurance (includes

corresponding Graph/Chart)

Table 16: German Life Insurance Industry (2005): Percentage

Value Breakdown of Life Annualized New Business by Business

Type - Individual Insurance Contracts (Annuities & Pension,

Dependency Annuity, Disability, Endowment, Term Insurance,

Others) and Group Insurance Contracts (Endowment, Residual

Debt, Term Insurance, and Others) (includes corresponding

Graph/Chart)

Table 17: German Life Insurance Industry: Gross Written

Premium in US$ Billion for 1999-2002 (includes corresponding

Graph/Chart)

Market Players

Table 18: Leading Players in German Life Insurance Market

(2004): Percentage Market Share by Company - Allianz, AXA,

Debeka, Generali, HDI (Talanx), Munich Re, R+V, Zurich, and

Others (includes corresponding Graph/Chart)

Table 19: German Life Insurance Industry (2003): Gross

Written Premium in US$ Billion by Leading Companies for

Allianz Leben, Hamb. Mannheimer LV, Aachener/Mchn Leben, R+V

Lebensvers AG, DT. Herold Leben, Victoria Leben,

Volksfursorge DT LV, Axa Leben, Debeka Leben, and Gerling-K.

Leben (includes corresponding Graph/Chart)

Table 20: Leading Players in the German Life Insurance

Market (2002) - Gross Written Premiums in US$ Million for

Allianz Leben, Aachener/Mchn. Leben, Hamb. Mannheimer LV, R+V

Lebensvers. AG, and DT. Herold Leben (includes corresponding

Graph/Chart)

5. German Pension Market

Compulsory Pension (Contributory State Pension)

Occupational Pension (Voluntary)

Types of Occupational Pension

Book Reserves

Retirement Funds (Pensionskasse)

Direct Insurance

Support Fund

Pension Fund

Personal Pensions and Other Retirement Savings (Voluntary)

6. Health Insurance

Market Highlights

Table 21: German Health Insurance Industry: Gross Written

Premium in US$ Billion for 1999-2003 (includes corresponding

Graph/Chart)

German Health Insurance Industry - Market Statistics of 2005 & First Half of 2006

Private Health Insurance Sector

Table 22: German Private Health Insurance Market (2005):

Premiums in € Billion by Business Segment - Health Insurance

(Daily Benefits Insurance, Independent Hospital Cash Schemes,

Medical Expenses Insurance, Special Types of Insurance, and

Other Independent Partial Insurances) and Compulsory

Long-Term Care Insurance (includes corresponding Graph/Chart)

Health Insurance & Pension Schemes Cover Major Share of Cancer Costs

Health Insurance and Insurers’ Predicament

Major Players in the German Private Health Insurance Sector

DKV Deutsche

Signal

7. Non-Life Insurance Sector

Table 23: German Non-Life Insurance Industry (2007 & 2008):

Percentage Breakdown of Premium Income by Class - Motor,

Property Insurance, Private Accident, General Liability, Legal

Expenses and Others (includes corresponding Graph/Chart)

Table 24: German Non-Life Insurance Industry (2005): Premium

Income and Claims Paid in € Billion for Select Classes

-General Liability, Legal Expenses, Marine, Motor Insurance,

Motor Liability, Motor Accident, and Private Accident

Insurance (includes corresponding Graph/Chart)

Market Players

Table 25: German Non-Life Insurance Industry (2003): Gross

Written Premium in US$ Billion by Leading Companies for

Allianz Vers., Axa Vers., Gerling-K. Allgemeine, R+V

Allgemeine Vers., Zurich Vers. AG, HUK-Coburg, Victoria

Vers., Wurtt. Vers., Gothaer Allg. Vers. AG, and LVM Sach

(includes corresponding Graph/Chart)

Table 26: Leading Players in the German Non-Life Insurance

Market (2002) - Gross Written Premiums in US$ Million for

Allianz Vers., AXA Vers., Gerling-K. Allgemeine, R+V

Allgemeine Vers., and Zurich Vers. AG (includes

corresponding Graph/Chart)

Property Insurance

Highlights

Table 27: German Non-Life Property Insurance Market (2005 &

2006): Percentage Breakdown of Gross Written Premiums in

Private Insurance (Direct Business) by Segment - Agricultural

Property Insurance, Commercial Property Insurance, Industrial

Property Insurance, and Private Property Insurance (includes

corresponding Graph/Chart)

Table 28: German Non-Life Property Insurance Market (2005 &

2006): Percentage Breakdown of Claims Paid by Direct Insurers

(Within GDV) by Segment - Agricultural Property Insurance,

Commercial Property Insurance, Industrial Property Insurance,

and Private Property Insurance (includes corresponding

Graph/Chart)

Motor Insurance

Table 29: German Motor Insurance Market (2006 & 2007):

Percentage Breakdown of Premiums by Category - Third Party

Liability, Full Comprehensive and Partial Comprehensive

(includes corresponding Graph/Chart)

Table 30: German Motor Insurance Market (2006 & 2007):

Percentage Breakdown of Claims by Category - Third Party

Liability, Full Comprehensive and Partial Comprehensive

(includes corresponding Graph/Chart)

Table 31: Leading Players in German Motor Insurance Market

(2006 & 2007): Percentage Market Share by Company - Allianz,

R & V, AMB Generali, Zurich, Axa, LVM, VHV, HDI, DEVK, and

Others (includes corresponding Graph/Chart)

Table 32: German Motor Insurance and Other Non-Life Insurance

Market: Gross Written Premium (GWP) in US$ Million for

1999-2003 - Historic Data (includes corresponding

Graph/Chart)

Natural Catastrophe Insurance

8. Direct Writing in Germany

9. German Financial System

A Comparative Study of the US and German Financial Systems

10. Key Legislative Measures and Plans

Asset Valuation Rules Simplified

IDW’s New Guidelines in Germany

Private Health Funds Receive Boost

11. Insurance Pools

Extremus

Protektor Lebensversicherungs-AG

Essential Features of Protektor AG

12. Role of GDV (Gesamtverband der Deutschen Ver-sicherungswirtschaft)

Key Statistics of GDV Members

Table 33: Premiums Written for GDV Members by Insurance

Class in DM Billion (1999 & 2000) (includes corresponding

Graph/Chart)

Table 34: Benefits and Claims Covered by Insurance Class for

GDV Members in DM Billion (1999 & 2000) (includes

corresponding Graph/Chart)

13. Historic Review of Various Insurance Sectors

Motor

Homeowners

Fire

Health

Life

14. Product Developments

Allianz Releases Catastrophe Bond

Euler Hermes to Launch Export Credit Insurance in Japan

Industrial Health Funds Provide Insurance Cover for DocMorris.com’s Drugs

Munich Re Offers Policy for World Cup

15. Recent Industry Activity

AIG Acquires Württembergische und Badische Versicherungs

Zurich to Acquire Real Garant Versicherung AG

TietoEnator Divests Reinsurance and Leasing Operations

Allianz to Acquire Allianz Leben and AGF

Talanx to Acquire BHW Leben

Flowers Negotiates with Prospects for Sale of Wuba

Fortis Acquires Gutingia

Allianz Versicherung Splits to Form Allianz Global Corporate & Specialty

Munich Re Finds a Buyer for Stake in HVB

HBOS Strides Ahead for Pocketing MLP Life Insurance Company

Gothaer Proposes to Acquire Axa’s Darag

Allianz to Expand Business in China

16. Strategic Corporate Developments in Past

Allianz Divests Life Insurance Business

Allianz Buys 49% Stake in JV with AGF Insurance

Coface Gains Gerling’s Credit Insurance Operations in Denmark and the Netherlands

AXA Hikes Stake in Tecis

Allianz Purchases Stake in Rosno

Munich Reinsurance Forms a Spanish Joint Venture

17. Focus on Select German Players

Allianz SE

Debeka Krankenversicherungsverein auf Gegenseitigkeit - A Leading Insurer in Germany

DKV Deutsche Krankenversicherung AG - One of the Leading German Insurers

Atradius

Hanover Re Group

Muenchener Rueckversicherungs-Gesellschaft AG