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Table of Contents 1 Key Facts and Events 2 Executive Summary 3 Introduction 3.1 What is this Report About? 3.2 Definitions 3.3 Methodology 4 Venezuelan Insurance Industry Attractiveness 4.1 Insurance Industry Size, 2009–2018 5 Personal Accident and Health Insurance Segment Outlook 5.1 Consumer Segmentation 5.2 Key Drivers 5.3 Key Trends 5.4 Challenges 5.5 Personal Accident and Health Insurance Growth Prospects by Category
5.5.1 Personal accident insurance
5.5.2 Travel insurance
5.5.3 Life health insurance 6 Analysis by Distribution Channel 6.1 Direct Marketing 6.2 Bancassurance 6.3 Agencies 6.4 E-commerce 6.5 Brokers 6.6 Other Channels 7 Governance, Risk and Compliance 7.1 Legislation Overview and Historical Evolution 7.2 Latest Changes in Regulations 7.3 Legislation and Market Practice by Type of Insurance
7.3.1 Life insurance
7.3.2 Property insurance
7.3.3 Motor insurance
7.3.4 Liability insurance
7.3.5 Marine, aviation and transit insurance
7.3.6 Personal accident and health insurance 7.4 Compulsory Insurance
7.4.1 Health insurance
7.4.2 Motor third-party liability insurance 7.5 Supervision and Control
7.5.1 International Association of Insurance Supervisors (IAIS)
7.5.2 Superintendencia de la Actividad Aseguradora (Sudeaseg) 7.6 Non-Admitted Insurance Regulations
7.6.1 Overview
7.6.2 Intermediaries
7.6.3 Market practices
7.6.4 Fines and penalties 7.7 Company Registration and Operations
7.7.1 Types of insurance organization
7.7.2 Establishing a local company
7.7.3 Foreign ownership
7.7.4 Types of license
7.7.5 Capital requirements
7.7.6 Solvency margins
7.7.7 Reserve requirements
7.7.8 Investment regulations
7.7.9 Statutory return requirements
7.7.10 Fee structure 7.8 Taxation
7.8.1 Insurance premium or policy taxation
7.8.2 Withholding taxes on premium paid overseas
7.8.3 Corporate tax
7.8.4 VAT
7.8.5 Captives 7.9 Legal System
7.9.1 Introduction
7.9.2 Access to court
7.9.3 Alternative dispute resolution (ADR) 8 Competitive Landscape and Strategic Insights 8.1 Overview 8.2 Leading Companies in the Venezuelan Personal Accident and Health Insurance Segment 8.3 Seguros Horizonte SA – Company Overview
8.3.1 Seguros Horizonte SA – key facts
8.3.2 Seguros Horizonte SA – key financials 8.4 Mercantil Seguros CA – Company Overview
8.4.1 Mercantil Seguros CA – key facts
8.4.2 Mercantil Seguros CA – key financials 8.5 Seguros Caracas de Liberty Mutual – Company Overview
8.5.1 Seguros Caracas de Liberty Mutual – key facts
8.5.2 Seguros Caracas de Liberty Mutual – key financials 8.6 CA de Seguros La Occidental – Company Overview
8.6.1 CA de Seguros La Occidental – key facts
8.6.2 CA de Seguros La Occidental – key financials 8.7 Mapfre La Seguridad CA de Seguros – Company Overview
8.7.1 Mapfre La Seguridad CA de Seguros – key facts
8.7.2 Mapfre La Seguridad CA de Seguros – key financials 8.8 CNA de Seguros La Previsora – Company Overview
8.8.1 CNA de Seguros La Previsora – key facts
8.8.2 CNA de Seguros La Previsora – key financials 8.9 Seguros Federal CA – Company Overview
8.9.1 Seguros Federal CA – key facts
8.9.2 Seguros Federal CA – key financials 8.10 Seguros Altamira CA – Company Overview
8.10.1 Seguros Altamira CA – key facts
8.10.2 Seguros Altamira CA – key financials 8.11 Seguros Qualitas CA – Company Overview
8.11.1 Seguros Qualitas CA – key facts
8.11.2 Seguros Qualitas CA – key financials 8.12 Multinacional de Seguros CA – Company Overview
8.12.1 Multinacional de Seguros CA – key facts
8.12.2 Multinacional de Seguros CA – key financials 9 Appendix – 1 9.1 Economic Performance
9.1.1 GDP at constant prices (US$)
9.1.2 GDP per capita at constant prices (US$)
9.1.3 GDP at current prices (US$)
9.1.4 GDP per capita at current prices (US$)
9.1.5 Inflation rate
9.1.6 Exports as a percentage of GDP
9.1.7 Imports as a percentage of GDP
9.1.8 Annual average exchange rate US$–VEF 9.2 Infrastructure
9.2.1 Total internet subscribers 9.3 Labor Force
9.3.1 Unemployment rate 9.4 Demographics
9.4.1 Total population
9.4.2 Urban and rural populations
9.4.3 Age distribution of the total population
9.4.4 Life expectancy 10 Appendix – 2 10.1 Methodology 10.2 Contact Timetric 10.3 About Timetric 10.4 Timetric’s Services 10.5 Disclaimer
List of Tables
Table 1: Venezuelan Personal Accident and Health Insurance – Key Facts, 2013
Table 2: Insurance Industry Definitions
Table 3: Venezuelan Insurance Industry – Gross Written Premium by Segment (VEF Billion), 2009–2013
Table 4: Venezuelan Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2009–2013
Table 5: Venezuelan Insurance Industry – Gross Written Premium by Segment (VEF Billion), 2013–2018
Table 6: Venezuelan Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2013–2018
Table 7: Venezuelan Insurance Industry – Gross Written Premium by Segment (Percentage Share), 2009–2018
Table 8: Venezuelan Insurance Industry – Direct Written Premium by Segment (VEF Billion), 2009–2013
Table 9: Venezuelan Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2009–2013
Table 10: Venezuelan Insurance Industry – Direct Written Premium by Segment (VEF Billion), 2013–2018
Table 11: Venezuelan Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2013–2018
Table 12: Venezuelan Insurance Industry – Direct Written Premium by Segment (Percentage Share), 2009–2018
Table 13: Venezuelan Personal Accident and Health Insurance – Gross Written Premium by Category (VEF Million), 2009–2013
Table 14: Venezuelan Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2009–2013
Table 15: Venezuelan Personal Accident and Health Insurance – Gross Written Premium by Category (VEF Million), 2013–2018
Table 16: Venezuelan Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2013–2018
Table 17: Venezuelan Personal Accident and Health Insurance – Direct Written Premium by Category (VEF Million), 2009–2013
Table 18: Venezuelan Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2009–2013
Table 19: Venezuelan Personal Accident and Health Insurance – Direct Written Premium by Category (VEF Million), 2013–2018
Table 20: Venezuelan Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2013–2018
Table 21: Venezuelan Personal Accident and Health Insurance – Earned Premium (VEF Billion), 2009–2013
Table 22: Venezuelan Personal Accident and Health Insurance – Earned Premium (VEF Billion), 2013–2018
Table 23: Venezuelan Personal Accident and Health Insurance – Paid Claims by Category (VEF Million), 2009–2013
Table 24: Venezuelan Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2009–2013
Table 25: Venezuelan Personal Accident and Health Insurance – Paid Claims by Category (VEF Million), 2013–2018
Table 26: Venezuelan Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2013–2018
Table 27: Venezuelan Personal Accident and Health Insurance – Incurred Loss by Category (VEF Million), 2009–2013
Table 28: Venezuelan Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2009–2013
Table 29: Venezuelan Personal Accident and Health Insurance – Incurred Loss by Category (VEF Million), 2013–2018
Table 30: Venezuelan Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2013–2018
Table 31: Venezuelan Personal Accident and Health Insurance – Retentions by Category (VEF Million), 2009–2013
Table 32: Venezuelan Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2009–2013
Table 33: Venezuelan Personal Accident and Health Insurance – Retentions by Category (VEF Million), 2013–2018
Table 34: Venezuelan Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2013–2018
Table 35: Venezuelan Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Table 36: Venezuelan Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Table 37: Venezuelan Personal Accident and Health Insurance – Commission and Expenses (VEF Billion), 2009–2013
Table 38: Venezuelan Personal Accident and Health Insurance – Commission and Expenses (VEF Billion), 2013–2018
Table 39: Venezuelan Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Table 40: Venezuelan Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Table 41: Venezuelan Personal Accident and Health Insurance – Fraud and Crime (VEF Billion), 2009–2013
Table 42: Venezuelan Personal Accident and Health Insurance – Fraud and Crime (VEF Billion), 2013–2018
Table 43: Venezuelan Personal Accident and Health Insurance – Total Assets (VEF Billion), 2009–2013
Table 44: Venezuelan Personal Accident and Health Insurance – Total Assets (VEF Billion), 2013–2018
Table 45: Venezuelan Personal Accident and Health Insurance – Total Investment Income (VEF Billion), 2009–2013
Table 46: Venezuelan Personal Accident and Health Insurance – Total Investment Income (VEF Billion), 2013–2018
Table 47: Venezuelan Personal Accident and Health Insurance – Retentions (VEF Billion), 2009–2013
Table 48: Venezuelan Personal Accident and Health Insurance – Retentions (VEF Billion), 2013–2018
Table 49: Venezuelan Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 50: Venezuelan Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 51: Venezuelan Personal Accident Insurance – Gross Written Premium (VEF Billion), 2009–2013
Table 52: Venezuelan Personal Accident Insurance – Gross Written Premium (VEF Billion), 2013–2018
Table 53: Venezuelan Personal Accident Insurance – Loss Ratio (%), 2009–2013
Table 54: Venezuelan Personal Accident Insurance – Loss Ratio (%), 2013–2018
Table 55: Venezuelan Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 56: Venezuelan Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 57: Venezuelan Travel Insurance – Gross Written Premium (VEF Million), 2009–2013
Table 58: Venezuelan Travel Insurance – Gross Written Premium (VEF Million), 2013–2018
Table 59: Venezuelan Travel Insurance – Loss Ratio (%), 2009–2013
Table 60: Venezuelan Travel Insurance – Loss Ratio (%), 2013–2018
Table 61: Venezuelan Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Table 62: Venezuelan Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Table 63: Venezuelan Life Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Table 64: Venezuelan Life Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Table 65: Venezuelan Life Health Insurance – Direct Written Premium (VEF Billion), 2009–2013
Table 66: Venezuelan Life Health Insurance – Direct Written Premium (VEF Billion), 2013–2018
Table 67: Venezuelan Life Health Insurance – Loss Ratio (%), 2009–2013
Table 68: Venezuelan Life Health Insurance – Loss Ratio (%), 2013–2018
Table 69: Venezuelan Life Health Insurance – Retentions (VEF Billion), 2009–2013
Table 70: Venezuelan Life Health Insurance – Retentions (VEF Billion), 2013–2018
Table 71: Venezuelan Personal Accident and Health Insurance – Direct Marketing Commission Paid (VEF Million), 2009–2013
Table 72: Venezuelan Personal Accident and Health Insurance – Direct Marketing Commission Paid (VEF Million), 2013–2018
Table 73: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Table 74: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Table 75: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Table 76: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Table 77: Venezuelan Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Table 78: Venezuelan Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Table 79: Venezuelan Personal Accident and Health Insurance – Bancassurance Commission Paid (VEF Million), 2009–2013
Table 80: Venezuelan Personal Accident and Health Insurance – Bancassurance Commission Paid (VEF Million), 2013–2018
Table 81: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2009–2013
Table 82: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Table 83: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Table 84: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Table 85: Venezuelan Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Table 86: Venezuelan Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Table 87: Venezuelan Personal Accident and Health Insurance – Commission Paid to Agencies (VEF Million), 2009–2013
Table 88: Venezuelan Personal Accident and Health Insurance – Commission Paid to Agencies (VEF Billion), 2013–2018
Table 89: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Table 90: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Table 91: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Table 92: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Table 93: Venezuelan Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Table 94: Venezuelan Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Table 95: Venezuelan Personal Accident and Health Insurance – E-Commerce Commission Paid (VEF Million), 2009–2013
Table 96: Venezuelan Personal Accident and Health Insurance – E-Commerce Commission Paid (VEF Million), 2013–2018
Table 97: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2009–2013
Table 98: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2013–2018
Table 99: Venezuelan Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Table 100: Venezuelan Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Table 101: Venezuelan Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Table 102: Venezuelan Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Table 103: Venezuelan Personal Accident and Health Insurance – Commission Paid to Brokers (VEF Million), 2009–2013
Table 104: Venezuelan Personal Accident and Health Insurance – Commission Paid to Brokers (VEF Billion), 2013–2018
Table 105: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Table 106: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Table 107: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Table 108: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Table 109: Venezuelan Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Table 110: Venezuelan Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Table 111: Venezuelan Personal Accident and Health Insurance – Commission Paid to Other Channels (VEF Million), 2009–2013
Table 112: Venezuelan Personal Accident and Health Insurance – Commission Paid to Other Channels (VEF Million), 2013–2018
Table 113: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2009–2013
Table 114: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Table 115: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Table 116: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Table 117: Venezuelan Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Table 118: Venezuelan Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Table 119: Venezuela – Life Insurance Regulatory Framework
Table 120: Venezuela – Property Insurance Regulatory Framework
Table 121: Venezuela – Motor Insurance Regulatory Framework
Table 122: Venezuela – Liability Insurance Regulatory Framework
Table 123: Venezuela – Corporate Tax Rates for the Financial Year 2015
Table 124: Shares of Key Insurers in the Venezuelan Personal Accident and Health Insurance Segment (%), 2013
Table 125: Seguros Horizonte, SA, Key Facts
Table 126: Seguros Horizonte, SA, Key Financials (VEF Million), 2009–2012
Table 127: Mercantil Seguros CA, Key Facts
Table 128: Mercantil Seguros CA, Key Financials (VEF Million), 2009–2012
Table 129: Seguros Caracas de Liberty Mutual, Key Facts
Table 130: Seguros Caracas de Liberty Mutual, Key Financials (VEF Million), 2009–2012
Table 131: CA de Seguros La Occidental, Key Facts
Table 132: CA de Seguros La Occidental, Key Financials (VEF Million), 2009–2012
Table 133: Mapfre La Seguridad CA de Seguros, Key Facts
Table 134: Mapfre La Seguridad CA de Seguros, Key Financials (VEF Million), 2009–2012
Table 135: CNA de Seguros La Previsora, Key Facts
Table 136: CNA de Seguros La Previsora, Key Financials (VEF Million), 2009–2012
Table 137: Seguros Federal CA, Key Facts
Table 138: Seguros Federal CA, Key Financials (VEF Million), 2009–2012
Table 139: Seguros Altamira CA, Key Facts
Table 140: Seguros Altamira CA, Key Financials (VEF Million), 2009–2012
Table 141: Seguros Qualitas CA, Key Facts
Table 142: Seguros Qualitas CA, Key Financials (VEF Million), 2009–2012
Table 143: Multinacional de Seguros CA, Key Facts
Table 144: Multinacional de Seguros CA, Key Financials (VEF Million), 2009 – 2012
List of Figures
Figure 1: Venezuelan Insurance Industry – Gross Written Premium by Segment (VEF Billion), 2009–2018
Figure 2: Venezuelan Insurance Industry – Gross Written Premium Dynamics by Segment (2009–2018)
Figure 3: Venezuelan Insurance Industry – Direct Written Premium by Segment (VEF Billion), 2009–2018
Figure 4: Venezuelan Insurance Industry – Direct Written Premium Dynamics by Segment (2009–2018)
Figure 5: Venezuelan Gross Written Premium and Health Expenditure Statistics, 2008−2013
Figure 6: Venezuelan Population Distribution by Gender and Age Group – 2009 and 2013
Figure 7: Venezuelan Rural and Urban Populations (%) 2009–2013 and Outbound Tourism (Million), 2010–2014
Figure 8: Venezuelan Personal Accident and Health Insurance – Gross Written Premium by Category (VEF Million), 2009–2018
Figure 9: Venezuelan Personal Accident and Health Insurance – Gross Written Premium by Category (Percentage Share), 2013 and 2018
Figure 10: Venezuelan Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 11: Venezuelan Personal Accident and Health Insurance – Direct Written Premium by Category (VEF Million), 2009–2018
Figure 12: Venezuelan Personal Accident and Health Insurance – Direct Written Premium by Category (Percentage Share), 2013 and 2018
Figure 13: Venezuelan Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2009–2018
Figure 14: Venezuelan Personal Accident and Health Insurance – Earned Premium (VEF Billion), 2009–2013
Figure 15: Venezuelan Personal Accident and Health Insurance – Earned Premium (VEF Billion), 2013–2018
Figure 16: Venezuelan Personal Accident and Health Insurance – Paid Claims by Category (VEF Million), 2009–2018
Figure 17: Venezuelan Personal Accident and Health Insurance – Incurred Loss by Category (VEF Million), 2009–2018
Figure 18: Venezuelan Personal Accident and Health Insurance – Retentions by Category (VEF Million), 2009–2018
Figure 19: Venezuelan Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013
Figure 20: Venezuelan Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018
Figure 21: Venezuelan Personal Accident and Health Insurance – Commission and Expenses (VEF Billion), 2009–2013
Figure 22: Venezuelan Personal Accident and Health Insurance – Commission and Expenses (VEF Billion), 2013–2018
Figure 23: Venezuelan Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013
Figure 24: Venezuelan Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018
Figure 25: Venezuelan Personal Accident and Health Insurance – Fraud and Crime (VEF Billion), 2009–2013
Figure 26: Venezuelan Personal Accident and Health Insurance – Fraud and Crime (VEF Billion), 2013–2018
Figure 27: Venezuelan Personal Accident and Health Insurance – Total Assets (VEF Billion), 2009–2013
Figure 28: Venezuelan Personal Accident and Health Insurance – Total Assets (VEF Billion), 2013–2018
Figure 29: Venezuelan Personal Accident and Health Insurance – Total Investment Income (VEF Billion), 2009–2013
Figure 30: Venezuelan Personal Accident and Health Insurance – Total Investment Income (VEF Billion), 2013–2018
Figure 31: Venezuelan Personal Accident and Health Insurance – Retentions (VEF Billion), 2009–2013
Figure 32: Venezuelan Personal Accident and Health Insurance – Retentions (VEF Billion), 2013–2018
Figure 33: Venezuelan Personal Accident and Health Insurance – Investment Portfolio (VEF Billion), 2009–2013
Figure 34: Venezuelan Personal Accident and Health Insurance – Investment Portfolio (% Share), 2009 and 2013
Figure 35: Venezuelan Personal Accident and Health Insurance Penetration (%), 2009–2013
Figure 36: Venezuelan Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 37: Venezuelan Personal Accident and Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 38: Venezuelan Personal Accident and Health Insurance – Premium Per Capita (VEF), 2009–2013
Figure 39: Venezuelan Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 40: Venezuelan Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 41: Venezuelan Personal Accident Insurance – Gross Written Premium (VEF Billion), 2009–2013
Figure 42: Venezuelan Personal Accident Insurance – Gross Written Premium (VEF Billion), 2013–2018
Figure 43: Venezuelan Personal Accident Insurance – Loss Ratio (%), 2009–2013
Figure 44: Venezuelan Personal Accident Insurance – Loss Ratio (%), 2013–2018
Figure 45: Venezuelan Travel Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 46: Venezuelan Travel Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 47: Venezuelan Travel Insurance – Gross Written Premium (VEF Million), 2009–2013
Figure 48: Venezuelan Travel Insurance – Gross Written Premium (VEF Million), 2013–2018
Figure 49: Venezuelan Travel Insurance – Loss Ratio (%), 2009–2013
Figure 50: Venezuelan Travel Insurance – Loss Ratio (%), 2013–2018
Figure 51: Venezuelan Life Health Insurance – Number of Policies Sold (Thousand), 2009–2013
Figure 52: Venezuelan Life Health Insurance – Number of Policies Sold (Thousand), 2013–2018
Figure 53: Venezuelan Life Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Figure 54: Venezuelan Life Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Figure 55: Venezuelan Life Health Insurance – Direct Written Premium (VEF Billion), 2009–2013
Figure 56: Venezuelan Life Health Insurance – Direct Written Premium (VEF Billion), 2013–2018
Figure 57: Venezuelan Life Health Insurance – Loss Ratio (%), 2009–2013
Figure 58: Venezuelan Life Health Insurance – Loss Ratio (%), 2013–2018
Figure 59: Venezuelan Life Health Insurance – Retentions (VEF Billion), 2009–2013
Figure 60: Venezuelan Life Health Insurance – Retentions (VEF Billion), 2013–2018
Figure 61: Venezuelan Personal Accident and Health Insurance – Gross Written Premium by Distribution Channel (% Share), 2013 and 2018
Figure 62: Venezuelan Personal Accident and Health Insurance – Direct Marketing Commission Paid (VEF Million), 2009–2013
Figure 63: Venezuelan Personal Accident and Health Insurance – Direct Marketing Commission Paid (VEF Million), 2013–2018
Figure 64: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Figure 65: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Figure 66: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013
Figure 67: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018
Figure 68: Venezuelan Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013
Figure 69: Venezuelan Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018
Figure 70: Venezuelan Personal Accident and Health Insurance – Bancassurance Commission Paid (VEF Million), 2009–2013
Figure 71: Venezuelan Personal Accident and Health Insurance – Bancassurance Commission Paid (VEF Million), 2013–2018
Figure 72: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2009–2013
Figure 73: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Figure 74: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013
Figure 75: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018
Figure 76: Venezuelan Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013
Figure 77: Venezuelan Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018
Figure 78: Venezuelan Personal Accident and Health Insurance – Commission Paid to Agencies (VEF Million), 2009–2013
Figure 79: Venezuelan Personal Accident and Health Insurance – Commission Paid to Agencies (VEF Billion), 2013–2018
Figure 80: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Figure 81: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Figure 82: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013
Figure 83: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018
Figure 84: Venezuelan Personal Accident and Health Insurance – Number of Agencies, 2009–2013
Figure 85: Venezuelan Personal Accident and Health Insurance – Number of Agencies, 2013–2018
Figure 86: Venezuelan Personal Accident and Health Insurance – E-Commerce Commission Paid (VEF Million), 2009–2013
Figure 87: Venezuelan Personal Accident and Health Insurance – E-Commerce Commission Paid (VEF Million), 2013–2018
Figure 88: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2009–2013
Figure 89: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2013–2018
Figure 90: Venezuelan Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013
Figure 91: Venezuelan Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018
Figure 92: Venezuelan Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013
Figure 93: Venezuelan Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018
Figure 94: Venezuelan Personal Accident and Health Insurance – Commission Paid to Brokers (VEF Million), 2009–2013
Figure 95: Venezuelan Personal Accident and Health Insurance – Commission Paid to Brokers (VEF Billion), 2013–2018
Figure 96: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2009–2013
Figure 97: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Figure 98: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013
Figure 99: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018
Figure 100: Venezuelan Personal Accident and Health Insurance – Number of Brokers, 2009–2013
Figure 101: Venezuelan Personal Accident and Health Insurance – Number of Brokers, 2013–2018
Figure 102: Venezuelan Personal Accident and Health Insurance – Commission Paid to Other Channels (VEF Million), 2009–2013
Figure 103: Venezuelan Personal Accident and Health Insurance – Commission Paid to Other Channels (VEF Million), 2013–2018
Figure 104: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Million), 2009–2013
Figure 105: Venezuelan Personal Accident and Health Insurance – Gross Written Premium (VEF Billion), 2013–2018
Figure 106: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013
Figure 107: Venezuelan Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018
Figure 108: Venezuelan Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013
Figure 109: Venezuelan Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018
Figure 110: Venezuela – Insurance Regulatory Framework
Figure 111: Venezuela – Insurance Supervision and Control at Various Levels
Figure 112: Venezuela – Insurance Regulatory Frameworks for Company Registration and Operation
Figure 113: Venezuelan Personal Accident and Health Insurance – Segment Shares (%), 2013
Figure 114: Venezuelan GDP at Constant Prices (US$ Billion), 2010–2014
Figure 115: Venezuelan GDP Per Capita at Constant Prices (US$), 2010–2014
Figure 116: Venezuelan GDP at Current Prices (US$ Billion), 2010–2014
Figure 117: Venezuelan GDP Per Capita at Current Prices (US$), 2010–2014
Figure 118: Venezuelan Inflation Rate (%), 2010–2013
Figure 119: Venezuelan Exports as a Percentage of GDP (%), 2009–2013
Figure 120: Venezuelan Imports as a Percentage of GDP (%), 2009–2013
Figure 121: Venezuelan Annual Average Exchange Rate US$–VEF, 2010–2014
Figure 122: Venezuelan Internet Subscriptions (Million), 2010–2014
Figure 123: Venezuelan Unemployment Rate (%), 2010–2014
Figure 124: Venezuelan Total Population (Million), 2010–2014
Figure 125: Venezuelan Urban and Rural Populations (%), 2010–2014
Figure 126: Venezuelan Population Distribution by Age (%), 2010–2014
Figure 127: Venezuelan Life Expectancy (Years), 2010–2014
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