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 Pakistani Insurance Industry Attractiveness 4.1 Insurance Industry Size, 2009-2018 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 Travel insurance 5.4.3 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 Legislation and Market Practice by Type of Insurance 7.2.1 Life insurance 7.2.2 Property insurance 7.2.3 Motor insurance 7.2.4 Liability insurance 7.2.5 Marine, aviation and transit insurance 7.2.6 Personal accident and health insurance 7.3 Compulsory Insurance 7.3.1 Motor third-party liability insurance 7.3.2 Workmen's compensation insurance 7.4 Supervision and Control 7.4.1 International Association of Insurance Supervisors (IAIS) 7.4.2 Securities and Exchange Commission of Pakistan 7.4.3 Insurance Association of Pakistan (IAP) 7.5 Non-Admitted Insurance Regulations 7.5.1 Overview 7.5.2 Intermediaries 7.5.3 Market practices 7.5.4 Fines and penalties 7.6 Company Registration and Operations 7.6.1 Types of insurance organization 7.6.2 Establishing a local company 7.6.3 Foreign ownership 7.6.4 Types of license 7.6.5 Capital requirements 7.6.6 Solvency margins 7.6.7 Reserve requirements 7.6.8 Investment regulations 7.6.9 Statutory return requirements 7.6.10 Fee structure 7.7 Taxation 7.7.1 Insurance premium or policy taxation 7.7.2 Withholding taxes on premium paid overseas 7.7.3 Corporate tax 7.7.4 VAT 7.7.5 Captives 7.8 Legal System 7.8.1 Introduction 7.8.2 Access to court 7.8.3 Alternative dispute resolution (ADR) 8 Competitive Landscape and Strategic Insights 8.1 Overview 8.2 Leading Companies in the Pakistan Personal Accident and Health Insurance Segment 8.3 Leading Personal Accident and Health Insurers - New Product Launches and Product Portfolio 8.4 Leading Personal Accident and Health Insurers - Key Developments 8.5 Allianz EFU Health Insurance Ltd - Company Overview 8.5.1 Allianz EFU Health Insurance Ltd - key facts 8.6 AsiaCare Health & Life Insurance Company Ltd - Company Overview 8.6.1 AsiaCare Health & Life Insurance Company Ltd - key facts 8.7 Adamjee Insurance Company Ltd - Company Overview 8.7.1 Adamjee Insurance Company Ltd - key facts 8.8 East West Life Assurance Company Ltd - Company Overview 8.8.1 East West Life Assurance Company Ltd - key facts 8.9 EFU General Insurance Ltd - Company Overview 8.9.1 EFU General Insurance Ltd - key facts 8.10 IGI Insurance Ltd - Company Overview 8.10.1 IGI Insurance Ltd - key facts 8.11 Askari General Insurance Company Ltd - Company Overview 8.11.1 Askari General Insurance Company Ltd - key facts 8.12 Jubilee General Insurance Company Ltd - Company Overview 8.12.1 Jubilee General Insurance Company Ltd - key facts 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 GDP by key sector 9.1.6 Agriculture, hunting, forestry and fishing net output at current prices (US$) 9.1.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP 9.1.8 Manufacturing net output at current prices (US$) 9.1.9 Manufacturing net output at current prices as a percentage of GDP 9.1.10 Mining, manufacturing and utilities at current prices (US$) 9.1.11 Mining, manufacturing and utilities at current prices, as percentage of GDP 9.1.12 Construction net output at current prices, (US$) 9.1.13 Construction net output at current prices as a percentage of GDP 9.1.14 Inflation rate 9.1.15 Exports as a percentage of GDP 9.1.16 Imports as a percentage of GDP 9.1.17 Annual average exchange rate PKR-US$ 9.2 Infrastructure 9.2.1 Commercial vehicle exports - total value 9.2.2 Commercial vehicle imports - total value 9.2.3 Automotive exports - total value 9.2.4 Automotive imports - total value 9.2.5 Total internet subscribers 9.3 Labor Force 9.3.1 Labor force 9.3.2 Unemployment rate 9.4 Demographics 9.4.1 Household consumption expenditure (US$) 9.4.2 Total population 9.4.3 Urban and rural populations 9.4.4 Age distribution of the total population 10 Appendix - 2 10.1 Methodology 10.2 Contact Timetric 10.3 About Timetric 10.4 Timetric's Services 10.5 Disclaimer List of Tables
Table 1: Pakistani Personal Accident and Health Insurance – Key Facts, 2013 Table 2: Insurance Industry Definitions Table 3: Pakistani Insurance Industry – Gross Written Premium by Segment (PKR Billion), 2009–2013 Table 4: Pakistani Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2009–2013 Table 5: Pakistani Insurance Industry – Gross Written Premium by Segment (PKR Billion), 2013–2018 Table 6: Pakistani Insurance Industry – Gross Written Premium by Segment (US$ Billion), 2013–2018 Table 7: Pakistani Insurance Industry – Gross Written Premium by Segment (Percentage Share), 2009–2018 Table 8: Pakistani Insurance Industry – Direct Written Premium by Segment (PKR Billion), 2009–2013 Table 9: Pakistani Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2009–2013 Table 10: Pakistani Insurance Industry – Direct Written Premium by Segment (PKR Billion), 2013–2018 Table 11: Pakistani Insurance Industry – Direct Written Premium by Segment (US$ Billion), 2013–2018 Table 12: Pakistani Insurance Industry – Direct Written Premium by Segment (Percentage Share), 2009–2018 Table 13: Pakistani Personal Accident and Health Insurance – Gross Written Premium by Category (PKR Billion), 2009–2013 Table 14: Pakistani Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2009–2013 Table 15: Pakistani Personal Accident and Health Insurance – Gross Written Premium by Category (PKR Billion), 2013–2018 Table 16: Pakistani Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2013–2018 Table 17: Pakistani Personal Accident and Health Insurance – Direct Written Premium by Category (PKR Billion), 2009–2013 Table 18: Pakistani Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2009–2013 Table 19: Pakistani Personal Accident and Health Insurance – Direct Written Premium by Category (PKR Billion), 2013–2018 Table 20: Pakistani Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2013–2018 Table 21: Pakistani Personal Accident and Health Insurance – Earned Premium (PKR Billion), 2009–2013 Table 22: Pakistani Personal Accident and Health Insurance – Earned Premium (PKR Billion), 2013–2018 Table 23: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (PKR Billion), 2009–2013 Table 24: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2009–2013 Table 25: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (PKR Billion), 2013–2018 Table 26: Pakistani Personal Accident and Health Insurance – Paid Claims by Category (US$ Million), 2013–2018 Table 27: Pakistani Personal Accident and Health Insurance – Incurred Loss by Category (PKR Billion), 2009–2013 Table 28: Pakistani Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2009–2013 Table 29: Pakistani Personal Accident and Health Insurance – Incurred Loss by Category (PKR Billion), 2013–2018 Table 30: Pakistani Personal Accident and Health Insurance – Incurred Loss by Category (US$ Million), 2013–2018 Table 31: Pakistani Personal Accident and Health Insurance – Retentions by Category (PKR Billion), 2009–2013 Table 32: Pakistani Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2009–2013 Table 33: Pakistani Personal Accident and Health Insurance – Retentions by Category (PKR Billion), 2013–2018 Table 34: Pakistani Personal Accident and Health Insurance – Retentions by Category (US$ Million), 2013–2018 Table 35: Pakistani Personal Accident and Health Insurance – Loss Ratio (%), 2009–2013 Table 36: Pakistani Personal Accident and Health Insurance – Loss Ratio (%), 2013–2018 Table 37: Pakistani Personal Accident and Health Insurance – Commission and Expenses (PKR Million), 2009–2013 Table 38: Pakistani Personal Accident and Health Insurance – Commission and Expenses (PKR Million), 2013–2018 Table 39: Pakistani Personal Accident and Health Insurance – Combined Ratio (%), 2009–2013 Table 40: Pakistani Personal Accident and Health Insurance – Combined Ratio (%), 2013–2018 Table 41: Pakistani Personal Accident and Health Insurance – Fraud and Crime (PKR Million), 2009–2013 Table 42: Pakistani Personal Accident and Health Insurance – Fraud and Crime (PKR Million), 2013–2018 Table 43: Pakistani Personal Accident and Health Insurance – Total Assets (PKR Billion), 2009–2013 Table 44: Pakistani Personal Accident and Health Insurance – Total Assets (PKR Billion), 2013–2018 Table 45: Pakistani Personal Accident and Health Insurance – Total Investment Income (PKR Million), 2009–2013 Table 46: Pakistani Personal Accident and Health Insurance – Total Investment Income (PKR Million), 2013–2018 Table 47: Pakistani Personal Accident and Health Insurance – Retentions (PKR Billion), 2009–2013 Table 48: Pakistani Personal Accident and Health Insurance – Retentions (PKR Billion), 2013–2018 Table 49: Pakistani Personal Accident Insurance – Number of Policies Sold (Thousand), 2009–2013 Table 50: Pakistani Personal Accident Insurance – Number of Policies Sold (Thousand), 2013–2018 Table 51: Pakistani Personal Accident Insurance – Gross Written Premium (PKR Billion), 2009–2013 Table 52: Pakistani Personal Accident Insurance – Gross Written Premium (PKR Billion), 2013–2018 Table 53: Pakistani Personal Accident Insurance – Loss Ratio (%), 2009–2013 Table 54: Pakistani Personal Accident Insurance – Loss Ratio (%), 2013–2018 Table 55: Pakistani Travel Insurance – Number of Policies Sold (Thousand), 2009–2013 Table 56: Pakistani Travel Insurance – Number of Policies Sold (Thousand), 2013–2018 Table 57: Pakistani Travel Insurance – Gross Written Premium (PKR Million), 2009–2013 Table 58: Pakistani Travel Insurance – Gross Written Premium (PKR Million), 2013–2018 Table 59: Pakistani Travel Insurance – Loss Ratio (%), 2009–2013 Table 60: Pakistani Travel Insurance – Loss Ratio (%), 2013–2018 Table 61: Pakistani Health Insurance – Number of Policies Sold (Thousand), 2009–2013 Table 62: Pakistani Health Insurance – Number of Policies Sold (Thousand), 2013–2018 Table 63: Pakistani Health Insurance – Gross Written Premium (PKR Billion), 2009–2013 Table 64: Pakistani Health Insurance – Gross Written Premium (PKR Billion), 2013–2018 Table 65: Pakistani Health Insurance – Direct Written Premium (PKR Billion), 2009–2013 Table 66: Pakistani Health Insurance – Direct Written Premium (PKR Billion), 2013–2018 Table 67: Pakistani Health Insurance – Loss Ratio (%), 2009–2013 Table 68: Pakistani Health Insurance – Loss Ratio (%), 2013–2018 Table 69: Pakistani Life Health Insurance – Retentions (PKR Billion), 2009–2013 Table 70: Pakistani Health Insurance – Retentions (PKR Billion), 2013–2018 Table 71: Pakistani Personal Accident and Health Insurance – Direct Marketing Commission Paid (PKR Million), 2009–2013 Table 72: Pakistani Personal Accident and Health Insurance – Direct Marketing Commission Paid (PKR Million), 2013–2018 Table 73: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Billion), 2009–2013 Table 74: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Billion), 2013–2018 Table 75: Pakistani Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2009–2013 Table 76: Pakistani Personal Accident and Health Insurance – Policies Sold Through Direct Marketing (Thousand), 2013–2018 Table 77: Pakistani Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2009–2013 Table 78: Pakistani Personal Accident and Health Insurance – Number of Direct Marketing Distributors, 2013–2018 Table 79: Pakistani Personal Accident and Health Insurance – Bancassurance Commission Paid (PKR Million), 2009–2013 Table 80: Pakistani Personal Accident and Health Insurance – Bancassurance Commission Paid (PKR Million), 2013–2018 Table 81: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Million), 2009–2013 Table 82: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Million), 2013–2018 Table 83: Pakistani Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2009–2013 Table 84: Pakistani Personal Accident and Health Insurance – Policies Sold Through Bancassurance (Thousand), 2013–2018 Table 85: Pakistani Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2009–2013 Table 86: Pakistani Personal Accident and Health Insurance – Number of Bancassurance Distributors, 2013–2018 Table 87: Pakistani Personal Accident and Health Insurance – Commission Paid to Agencies (PKR Million), 2009–2013 Table 88: Pakistani Personal Accident and Health Insurance – Commission Paid to Agencies (PKR Million), 2013–2018 Table 89: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Billion), 2009–2013 Table 90: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Billion), 2013–2018 Table 91: Pakistani Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2009–2013 Table 92: Pakistani Personal Accident and Health Insurance – Policies Sold Through Agencies (Thousand), 2013–2018 Table 93: Pakistani Personal Accident and Health Insurance – Number of Agencies, 2009–2013 Table 94: Pakistani Personal Accident and Health Insurance – Number of Agencies, 2013–2018 Table 95: Pakistani Personal Accident and Health Insurance – E-Commerce Commission Paid (PKR Million), 2009–2013 Table 96: Pakistani Personal Accident and Health Insurance – E-Commerce Commission Paid (PKR Million), 2013–2018 Table 97: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Million), 2009–2013 Table 98: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Million), 2013–2018 Table 99: Pakistani Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2009–2013 Table 100: Pakistani Personal Accident and Health Insurance – Policies Sold Through E-Commerce (Thousand), 2013–2018 Table 101: Pakistani Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2009–2013 Table 102: Pakistani Personal Accident and Health Insurance – Number of E-Commerce Distributors, 2013–2018 Table 103: Pakistani Personal Accident and Health Insurance – Commission Paid to Brokers (PKR Million), 2009–2013 Table 104: Pakistani Personal Accident and Health Insurance – Commission Paid to Brokers (PKR Million), 2013–2018 Table 105: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Billion), 2009–2013 Table 106: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Billion), 2013–2018 Table 107: Pakistani Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2009–2013 Table 108: Pakistani Personal Accident and Health Insurance – Policies Sold Through Brokers (Thousand), 2013–2018 Table 109: Pakistani Personal Accident and Health Insurance – Number of Brokers, 2009–2013 Table 110: Pakistani Personal Accident and Health Insurance – Number of Brokers, 2013–2018 Table 111: Pakistani Personal Accident and Health Insurance – Commission Paid to Other Channels (PKR Million), 2009–2013 Table 112: Pakistani Personal Accident and Health Insurance – Commission Paid to Other Channels (PKR Million), 2013–2018 Table 113: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Million), 2009–2013 Table 114: Pakistani Personal Accident and Health Insurance – Gross Written Premium (PKR Million), 2013–2018 Table 115: Pakistani Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2009–2013 Table 116: Pakistani Personal Accident and Health Insurance – Policies Sold Through Other Channels (Thousand), 2013–2018 Table 117: Pakistani Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2009–2013 Table 118: Pakistani Personal Accident and Health Insurance – Number of Distributors in Other Channels, 2013–2018 Table 119: Pakistan – Life Insurance Regulatory Framework Table 120: Pakistan – Property Insurance Regulatory Framework Table 121: Pakistan – Motor Insurance Regulatory Framework Table 122: Pakistan – Liability Insurance Regulatory Framework Table 123: Pakistan – Corporate Tax Rates for the Financial Year 2014 Table 124: Pakistani Personal Accident and Health Insurers, 2013 Table 125: Allianz EFU Health Insurance Ltd, Key Facts Table 126: Pakistani AsiaCare Health & Life Insurance Company Ltd, Key Facts Table 127: Adamjee Insurance Company Ltd, Key Facts Table 128: Pakistani East West Life Assurance Company Ltd, Key Facts Table 129: EFU General Insurance Ltd, Key Facts Table 130: lGI Insurance Ltd, Key Facts Table 131: Askari General Insurance Company Ltd, Key Facts Table 132: Jubilee General Insurance Company Ltd, Key Facts List of Figures
Figure 1: Pakistani Insurance Industry - Gross Written Premium by Segment (PKR Billion), 2009-2018 Figure 2: Pakistani Insurance Industry - Gross Written Premium Dynamics by Segment, (2009-2018) Figure 3: Pakistani Insurance Industry - Direct Written Premium by Segment (PKR Billion), 2009-2018 Figure 4: Pakistani Insurance Industry - Direct Written Premium Dynamics by Segment (2009-2018) Figure 5: Pakistani Personal Accident and Health Insurance - Gross Written Premium by Category (PKR Billion), 2009-2018 Figure 6: Pakistani Personal Accident and Health Insurance - Gross Written Premium by Category (Percentage Share), 2013 and 2018 Figure 7: Pakistani Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018 Figure 8: Pakistani Personal Accident and Health Insurance - Direct Written Premium by Category (PKR Billion), 2009-2018 Figure 9: Pakistani Personal Accident and Health Insurance - Direct Written Premium by Category (Percentage Share), 2013 and 2018 Figure 10: Pakistani Personal Accident and Health Insurance - Gross Written Premium Dynamics by Category, 2009-2018 Figure 11: Pakistani Personal Accident and Health Insurance - Earned Premium (PKR Billion), 2009-2013 Figure 12: Pakistani Personal Accident and Health Insurance - Earned Premium (PKR Billion), 2013-2018 Figure 13: Pakistani Personal Accident and Health Insurance - Paid Claims by Category (PKR Billion), 2009-2018 Figure 14: Pakistani Personal Accident and Health Insurance - Incurred Loss by Category (PKR Billion), 2009-2018 Figure 15: Pakistani Personal Accident and Health Insurance - Retentions by Category (PKR Billion), 2009-2018 Figure 16: Pakistani Personal Accident and Health Insurance - Loss Ratio (%), 2009-2013 Figure 17: Pakistani Personal Accident and Health Insurance - Loss Ratio (%), 2013-2018 Figure 18: Pakistani Personal Accident and Health Insurance - Commission and Expenses (PKR Million), 2009-2013 Figure 19: Pakistani Personal Accident and Health Insurance - Commission and Expenses (PKR Million), 2013-2018 Figure 20: Pakistani Personal Accident and Health Insurance - Combined Ratio (%), 2009-2013 Figure 21: Pakistani Personal Accident and Health Insurance - Combined Ratio (%), 2013-2018 Figure 22: Pakistani Personal Accident and Health Insurance - Fraud and Crime (PKR Million), 2009-2013 Figure 23: Pakistani Personal Accident and Health Insurance - Fraud and Crime (PKR Million), 2013-2018 Figure 24: Pakistani Personal Accident and Health Insurance - Total Assets (PKR Billion), 2009-2013 Figure 25: Pakistani Personal Accident and Health Insurance - Total Assets (PKR Billion), 2013-2018 Figure 26: Pakistani Personal Accident and Health Insurance - Total Investment Income (PKR Million), 2009-2013 Figure 27: Pakistani Personal Accident and Health Insurance - Total Investment Income (PKR Million), 2013-2018 Figure 28: Pakistani Personal Accident and Health Insurance - Retentions (PKR Billion), 2009-2013 Figure 29: Pakistani Personal Accident and Health Insurance - Retentions (PKR Billion), 2013-2018 Figure 30: Pakistani Personal Accident and Health Insurance - Investment Portfolio (PKR Billion), 2009-2013 Figure 31: Pakistani Personal Accident and Health Insurance - Investment Portfolio (% Share), 2009 and2013 Figure 32: Pakistani Personal Accident and Health Insurance - Penetration (%), 2009-2013 Figure 33: Pakistani Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2009-2013 Figure 34: Pakistani Personal Accident and Health Insurance - Number of Policies Sold (Thousand), 2013-2018 Figure 35: Pakistani Personal Accident and Health Insurance - Premium per Capita (PKR), 2009-2013 Figure 36: Pakistani Personal Accident Insurance - Number of Policies Sold (Thousand), 2009-2013 Figure 37: Pakistani Personal Accident Insurance - Number of Policies Sold (Thousand), 2013-2018 Figure 38: Pakistani Personal Accident Insurance - Gross Written Premium (PKR Billion), 2009-2013 Figure 39: Pakistani Personal Accident Insurance - Gross Written Premium (PKR Billion), 2013-2018 Figure 40: Pakistani Personal Accident Insurance - Loss Ratio (%), 2009-2013 Figure 41: Pakistani Personal Accident Insurance - Loss Ratio (%), 2013-2018 Figure 42: Pakistani Travel Insurance - Number of Policies Sold (Thousand), 2009-2013 Figure 43: Pakistani Travel Insurance - Number of Policies Sold (Thousand), 2013-2018 Figure 44: Pakistani Travel Insurance - Gross Written Premium (PKR Million), 2009-2013 Figure 45: Pakistani Travel Insurance - Gross Written Premium (PKR Million), 2013-2018 Figure 46: Pakistani Travel Insurance - Loss Ratio (%), 2009-2013 Figure 47: Pakistani Travel Insurance - Loss Ratio (%), 2013-2018 Figure 48: Pakistani Health Insurance - Number of Policies Sold (Thousand), 2009-2013 Figure 49: Pakistani Health Insurance - Number of Policies Sold (Thousand), 2013-2018 Figure 50: Pakistani Health Insurance - Gross Written Premium (PKR Billion), 2009-2013 Figure 51: Pakistani Health Insurance - Gross Written Premium (PKR Billion), 2013-2018 Figure 52: Pakistani Health Insurance - Direct Written Premium (PKR Billion), 2009-2013 Figure 53: Pakistani Health Insurance - Direct Written Premium (PKR Billion), 2013-2018 Figure 54: Pakistani Health Insurance - Loss Ratio (%), 2009-2013 Figure 55: Pakistani Health Insurance - Loss Ratio (%), 2013-2018 Figure 56: Pakistani Life Health Insurance - Retentions (PKR Billion), 2009-2013 Figure 57: Pakistani Health Insurance - Retentions (PKR Billion), 2013-2018 Figure 58: Pakistani Personal Accident and Health Insurance - Gross Written Premium by Distribution Channel (% Share), 2013 and 2018 Figure 59: Pakistani Personal Accident and Health Insurance - Direct Marketing Commission Paid (PKR Million), 2009-2013 Figure 60: Pakistani Personal Accident and Health Insurance - Direct Marketing Commission Paid (PKR Million), 2013-2018 Figure 61: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Billion), 2009-2013 Figure 62: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Billion), 2013-2018 Figure 63: Pakistani Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013 Figure 64: Pakistani Personal Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018 Figure 65: Pakistani Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013 Figure 66: Pakistani Personal Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018 Figure 67: Pakistani Personal Accident and Health Insurance - Bancassurance Commission Paid (PKR Million), 2009-2013 Figure 68: Pakistani Personal Accident and Health Insurance - Bancassurance Commission Paid (PKR Million), 2013-2018 Figure 69: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Million), 2009-2013 Figure 70: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Million), 2013-2018 Figure 71: Pakistani Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013 Figure 72: Pakistani Personal Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018 Figure 73: Pakistani Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013 Figure 74: Pakistani Personal Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018 Figure 75: Pakistani Personal Accident and Health Insurance - Commission Paid to Agencies (PKR Million), 2009-2013 Figure 76: Pakistani Personal Accident and Health Insurance - Commission Paid to Agencies (PKR Million), 2013-2018 Figure 77: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Billion), 2009-2013 Figure 78: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Billion), 2013-2018 Figure 79: Pakistani Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2009-2013 Figure 80: Pakistani Personal Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2013-2018 Figure 81: Pakistani Personal Accident and Health Insurance - Number of Agencies, 2009-2013 Figure 82: Pakistani Personal Accident and Health Insurance - Number of Agencies, 2013-2018 Figure 83: Pakistani Personal Accident and Health Insurance - E-Commerce Commission Paid (PKR Million), 2009-2013 Figure 84: Pakistani Personal Accident and Health Insurance - E-Commerce Commission Paid (PKR Million), 2013-2018 Figure 85: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Million), 2009-2013 Figure 86: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Million), 2013-2018 Figure 87: Pakistani Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013 Figure 88: Pakistani Personal Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018 Figure 89: Pakistani Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013 Figure 90: Pakistani Personal Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018 Figure 91: Pakistani Personal Accident and Health Insurance - Commission Paid to Brokers (PKR Million), 2009-2013 Figure 92: Pakistani Personal Accident and Health Insurance - Commission Paid to Brokers (PKR Million), 2013-2018 Figure 93: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Billion), 2009-2013 Figure 94: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Billion), 2013-2018 Figure 95: Pakistani Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2009-2013 Figure 96: Pakistani Personal Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018 Figure 97: Pakistani Personal Accident and Health Insurance - Number of Brokers, 2009-2013 Figure 98: Pakistani Personal Accident and Health Insurance - Number of Brokers, 2013-2018 Figure 99: Pakistani Personal Accident and Health Insurance - Commission Paid to Other Channels (PKR Million), 2009-2013 Figure 100: Pakistani Personal Accident and Health Insurance - Commission Paid to Other Channels (PKR Million), 2013-2018 Figure 101: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Million), 2009-2013 Figure 102: Pakistani Personal Accident and Health Insurance - Gross Written Premium (PKR Million), 2013-2018 Figure 103: Pakistani Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013 Figure 104: Pakistani Personal Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018 Figure 105: Pakistani Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013 Figure 106: Pakistani Personal Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018 Figure 107: Pakistan - Insurance Regulatory Framework Figure 108: Pakistan - Insurance Supervision and Control at Various Levels Figure 109: Pakistan - Insurance Regulatory Frameworks for Company Registration and Operation Figure 110: Pakistani GDP at Constant Prices (US$ Billion), 2009-2013 Figure 111: Pakistani GDP Per Capita at Constant Prices (US$), 2009-2013 Figure 112: Pakistani GDP at Current Prices (US$ Billion), 2009-2013 Figure 113: Pakistani GDP Per Capita at Current Prices (US$), 2009-2013 Figure 114: Pakistani GDP by Key Sector (%) 2009 and 2013 Figure 115: Pakistani Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices (US$ Billion), 2009-2013 Figure 116: Pakistani Agriculture, Hunting, Forestry and Fishing Net Output at Current Prices as a Percentage of GDP (%), 2009-2013 Figure 117: Pakistani Manufacturing Net Output at Current Prices (US$ Billion), 2009-2013 Figure 118: Pakistani Manufacturing Net Output at Current Prices as a Percentage of GDP (%), 2009-2013 Figure 119: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices (US$ Billion), 2009-2013 Figure 120: Pakistani Mining, Manufacturing and Utilities Net Output at Current Prices as a percentage of GDP (%), 2009-2013 Figure 121: Pakistani Construction Net Output at Current Prices (US$ Billion), 2009-2013 Figure 122: Pakistani Construction Output at Current Prices as a Percentage of GDP (%), 2009-2013 Figure 123: Pakistani Inflation Rate (%), 2009-2013 Figure 124: Pakistani Exports as a Percentage of GDP (%), 2009-2013 Figure 125: Pakistani Imports as a Percentage of GDP (%), 2009-2013 Figure 126: Pakistani Annual Average Exchange Rate US$-PKR, 2009-2013 Figure 127: Pakistani Commercial Vehicle Exports - Total Value (US$ Million), 2009-2013 Figure 128: Pakistani Commercial Vehicle Imports - Total Value (US$ Million), 2009-2013 Figure 129: Pakistani Automotive Exports - Total Value (US$ Million), 2009-2013 Figure 130: Pakistani Automotive Imports - Total Value (US$ Billion), 2009-2013 Figure 131: Pakistani Internet Subscriptions (Millions), 2009-2013 Figure 132: Pakistani Size of Labor Force (Million), 2009-2013
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