1. Personal Accident and Health Insurance in Poland,
Key Trends and Opportunities to 2018
Market Research Report
©reportscue

2. Synopsis:
The Polish personal accident and health insurance segment recorded steady growth during
the review period. The segment’s gross written premium posted a review period (2009-2013)
compound annual growth rate (CAGR) of 8.9%. The segment was driven by the economic
growth, an increase in demand for health insurance, and a rise in the country’s aging
population. Such factors are also expected to support the segment over the forecast period
(2013-2018); as gross written premium is expected to increase at a projected CAGR of
8.7%.
Poland has a general health insurance system under which subsidized health services are
provided to residents. It is principally state-financed through the National Health Fund (NFZ),
of which health insurance contributions formed a key part. Taxes from the state budget and
self-government budgets also contributed. Public sector spending accounts for a large
proportion of the total funding in Poland. Healthcare financing is low, however, as the
country’s healthcare expenditure amounted to 6.7 % of its GDP in 2012, and has not kept up
with the country’s GDP growth.
This has put a strain on health services, leading to an increase in public dissatisfaction. The
Ministry of Health has made a number of reforms to improve the country’s health insurance
system.

3. Report Overview:
The report provides in-depth market analysis, information and insights into the Polish
personal accident and health insurance segment, including:
• The Polish personal accident and health insurance segment’s growth prospects by
insurance category
• Key trends and drivers for the personal accident and health insurance segment
• The various distribution channels in the Polish personal accident and health insurance
segment
• The detailed competitive landscape in the personal accident and health insurance segment
in Poland
• Detailed regulatory policies of the Polish insurance industry
• Analysis of various consumer segments in Polish personal accident and health insurance
• Key developments in the Polish personal accident and health insurance segment
• New products launched by Polish personal accident and health insurers

4. Scope :
This report provides a comprehensive analysis of the personal accident and health
insurance segment in Poland:
• It provides historical values for the Polish personal accident and health insurance segment
for the report’s 2009-2013 review period, and projected figures for the 2013-2018 forecast
period.
• It offers a detailed analysis of the key categories in the Polish 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 Poland.
• It profiles the top personal accident and health insurance companies in Poland and outlines
the key regulations affecting them.

5. Key Highlights :
• Although the impact of the global economic crisis on Poland’s economy was not severe,
government finances were affected, and there has been relatively little healthcare funding
since 2009.
• In 2013, agencies constituted 61.5% of the total premiums generated in the segment due to
their large client bases, high levels of brand trust, and established sales forces.
• The health insurance category accounted for the largest share, in terms of gross written
premium, of the Polish personal accident and health insurance segment. The category held a
share of 43.8% in 2013 and posted a review-period CAGR of 15.9%; it is expected to grow at
a faster rate to become the largest category in the segment.
• Factors such as rising healthcare costs, government initiatives to increase road safety, and
increasing travel and tourism in the country are expected to drive growth.
• Child poverty is a key challenge in Poland, and is almost twice the rate in the UK.
• The growth of the personal accident and health insurance segment is largely dependent on
employment rates, as a decline in employment may lead to a decline in both group and
individual insurance products.

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

7. Reason To Buy :
• Make strategic business decisions using in-depth historic and forecast market data related
to Polish personal accident and health insurance segment and each category within it.
• Understand the demand-side dynamics, key market trends and growth opportunities in the
Polish personal accident and health insurance segment.
• Assess the competitive dynamics in the personal accident and health insurance segment.
• Identify the growth opportunities and market dynamics in key product categories.
• Gain insights into key regulations governing the Polish insurance industry and their impact
on companies and the industry's future.
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poland-key-trends-and-opportunities-to-2018-market