Insurance statistics yearbook : 1989/1996 = Annuaire des statistiques dássurance : 1989/1996.

318 Pages·1998·1.146 MB·English

by  OECD

INSURANCE STATISTICS
E
Yearbook
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D
Annuaire des
STATISTIQUES D'ASSURANCE
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1989-1996
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1 9 9 8
E D I T I O N
INSURANCE
STATISTICS
YEARBOOK
1989/1996
ANNUAIRE
DES STATISTIQUES
D’ASSURANCE
ORGANISATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT
ORGANISATION DE COOPE´RATION ET DE DE´VELOPPEMENT E´CONOMIQUES
ORGANISATION FOR ECONOMIC CO-OPERATION
AND DEVELOPMENT
ORGANISATION DE COOPE´RATION
ET DE DE´VELOPPEMENT E´CONOMIQUES
Pursuant to Article 1 of the Convention signed in Paris on 14th December 1960, and which came into force
on 30th September 1961, the Organisation for Economic Co-operation and Development (OECD) shall promote
policies designed:
– to achieve the highest sustainable economic growth and employment and a rising standard of living in
Member countries, while maintaining financial stability, and thus to contribute to the development of the
world economy;
– to contribute to sound economic expansion in Member as well as non-member countries in the process of
economic development; and
– to contribute to the expansion of world trade on a multilateral, non-discriminatory basis in accordance
with international obligations.
The original Member countries of the OECD are Austria, Belgium, Canada, Denmark, France, Germany,
Greece, Iceland, Ireland, Italy, Luxembourg, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland,
Turkey, the United Kingdom and the United States. The following countries became Members subsequently
through accession at the dates indicated hereafter: Japan (28th April 1964), Finland (28th January 1969),
Australia (7th June 1971), New Zealand (29th May 1973), Mexico (18th May 1994), the Czech Republic
(21st December 1995), Hungary (7th May 1996), Poland (22nd November 1996) and Korea (12th Decem-
ber 1996). The Commission of the European Communities takes part in the work of the OECD (Article 13 of the
OECD Convention).
En vertu de l’article 1er de la Convention signe´e le 14 de´cembre 1960, a` Paris, et entre´e en vigueur le
30 septembre 1961, l’Organisation de Coope´ration et de De´veloppement E´conomiques (OCDE) a pour objectif de
promouvoir des politiques visant :
– a` re´aliser la plus forte expansion de l’e´conomie et de l’emploi et une progression du niveau de vie dans les
pays Membres, tout en maintenant la stabilite´ financie`re, et a` contribuer ainsi au de´veloppement de
l’e´conomie mondiale;
– a` contribuer a` une saine expansion e´conomique dans les pays Membres, ainsi que les pays non membres,
en voie de de´veloppement e´conomique;
– a` contribuer a` l’expansion du commerce mondial sur une base multilate´rale et non discriminatoire
conforme´ment aux obligations internationales.
Les pays Membres originaires de l’OCDE sont : l’Allemagne, l’Autriche, la Belgique, le Canada,
le Danemark, l’Espagne, les E´tats-Unis, la France, la Gre`ce, l’Irlande, l’Islande, l’Italie, le Luxembourg,
la Norve`ge, les Pays-Bas, le Portugal, le Royaume-Uni, la Sue`de, la Suisse et la Turquie. Les pays suivants sont
ulte´rieurement devenus Membres par adhe´sion aux dates indique´es ci-apre`s : le Japon (28 avril 1964), la Finlande
(28 janvier 1969), l’Australie (7 juin 1971), la Nouvelle-Ze´lande (29 mai 1973), le Mexique (18 mai 1994), la
Re´publique tche`que (21 de´cembre 1995), la Hongrie (7 mai 1996), la Pologne (22 novembre 1996) et la Core´e
(12 de´cembre 1996). La Commission des Communaute´s europe´ennes participe aux travaux de l’OCDE (article 13
de la Convention de l’OCDE).
OECD
(cid:211) 1998
OCDE
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75775 Paris Cedex 16, France.
FOREWORD
This publication, the seventh in a series which is updated annually, contains time series of
insurance statistics. It was compiled as part of the work by the OECD Insurance Committee and,
more particularly, its working Group on Insurance Statistics. It contains data collected from official
bodies in OECD Member countries, on the number of insurance companies and employees, insurance
premiums and investments by insurance companies. From 1996, the scope of data collection has been
expanded to include gross claims payments, gross operating expenses and commissions. The data
relate to the period 1989-1996 and are broken down under numerous sub-headings.
This compilation has been prepared by the Directorate for Financial, Fiscal and Enterprise
Affairs. However, it was made possible only by the close co-operation between the OECD and the
various national bodies which collect data on insurance, and the work of the Working Group on
Insurance Statistics. This work is published under the responsibility of the Secretary General of the
OECD.
AVANT PROPOS
Cette publication, la septième d’une série qui est mise à jour annuellement, contient des
données chronologiques sur les statistiques d’assurance. Elle s’inscrit dans le cadre des travaux du
Comité des assurances de l’OCDE, et plus particulièrement de son Groupe de travail sur les
statistiques d’assurance. Elle contient des données collectées auprès des organismes officiels des pays
Membres de l’OCDE, sur le nombre de compagnies d’assurance et d’employés, les primes
d’assurance et les investissements des compagnies d’assurance. A partir de 1996, le champ de la
collecte de données a été étendu et couvre les paiements bruts de sinistres, les dépenses brutes
d’exploitation et les commissions. Ces données portent sur la période 1989-1996 et sont détaillées en
nombreuses sous-rubriques.
Cette compilation a été préparée par la Direction des affaires financières, fiscales et des
entreprises. Cependant elle n’a pu être réalisée que grâce à une étroite coopération entre l’OCDE et les
diverses administrations nationales chargées de la collecte des données statistiques en matière
d’assurance, ainsi que grâce aux travaux du Groupe de travail sur les statistiques d’assurance. Elle est
publiée sous la responsabilité du Secrétaire général de l’OCDE.
3

TABLE OF CONTENTS
INTRODUCTION............................................................................................................................9
PART I: COMPARATIVE TABLES ............................................................................................17
Graphs..............................................................................................................................................18
I. Total Gross Premiums........................................................................................................28
II. Market Share in OECD .....................................................................................................30
III. Density of Insurance Industry ............................................................................................32
IV. Penetration of Insurance Industry ......................................................................................34
V. Life Insurance Share ..........................................................................................................36
VI. Premiums per Employee ....................................................................................................37
VII. Retention Ratio .................................................................................................................38
VIII. Ratio of Reinsurance Accepted ..........................................................................................40
IX. Foreign Companies’ Market Share in the Domestic Market ................................................42
PART II: TABLES BY COUNTRY...............................................................................................45
Australia ..........................................................................................................................................46
Austria .............................................................................................................................................55
Belgium............................................................................................................................................64
Canada .............................................................................................................................................70
Czech Republic ................................................................................................................................79
Denmark ..........................................................................................................................................86
Finland ............................................................................................................................................92
France ..............................................................................................................................................99
Germany ........................................................................................................................................106
Greece ............................................................................................................................................114
Hungary .........................................................................................................................................120
Iceland ...........................................................................................................................................126
Ireland ...........................................................................................................................................133
Italy ...............................................................................................................................................141
Japan ..............................................................................................................................................150
Korea .............................................................................................................................................157
5
Luxembourg ..................................................................................................................................165
Mexico ...........................................................................................................................................172
Netherlands ....................................................................................................................................178
New Zealand ..................................................................................................................................186
Norway ..........................................................................................................................................189
Poland ............................................................................................................................................197
Portugal .........................................................................................................................................203
Spain .............................................................................................................................................211
Sweden ..........................................................................................................................................220
Switzerland ....................................................................................................................................226
Turkey ...........................................................................................................................................231
United Kingdom ............................................................................................................................239
United States ..................................................................................................................................246
PART III: DEFINITIONS AND NOTES....................................................................................253
I. Common Definitions and Notes ......................................................................................255
II. Definitions and Notes by Country ...................................................................................259
III. Definitions of Classes of Non-life Insurance ....................................................................277
IV. Complete List of Items Contained in Tables by Country ..................................................309
V. Business Written abroad by EU/EEA Insurers through Branches and Agencies ...............317
6
TABLE DES MATIÈRES
INTRODUCTION...........................................................................................................................13
PARTIE I : TABLEAUX COMPARATIFS..................................................................................17
Graphiques .......................................................................................................................................18
I. Primes brutes totales .........................................................................................................28
II. Part de marché dans l'OCDE .............................................................................................30
III. Densité de l'industrie de l'assurance ...................................................................................32
IV. Pénétration de l'industrie de l'assurance .............................................................................34
V. Parts de l'assurance-vie ......................................................................................................36
VI. Primes par employé ...........................................................................................................37
VII. Taux de rétention ..............................................................................................................38
VIII. Taux de réassurance acceptée ............................................................................................40
IX. Part du marché national détenue par les entreprises étrangères ...........................................42
PARTIE II : TABLEAUX PAR PAYS..........................................................................................45
Australie ..........................................................................................................................................46
Autriche ...........................................................................................................................................55
Belgique .........................................................................................................................................64
Canada ............................................................................................................................................70
République tchèque ..........................................................................................................................79
Danemark ........................................................................................................................................86
Finlande ...........................................................................................................................................92
France ..............................................................................................................................................99
Allemagne .....................................................................................................................................106
Grèce .............................................................................................................................................114
Hongrie ..........................................................................................................................................120
Islande ...........................................................................................................................................126
Irlande ..........................................................................................................................................133
Italie ..............................................................................................................................................141
Japon .............................................................................................................................................150
Corée .............................................................................................................................................157
7
Luxembourg ..................................................................................................................................165
Mexique .........................................................................................................................................172
Pays-Bas ........................................................................................................................................178
Nouvelle-Zélande ...........................................................................................................................186
Norvège .........................................................................................................................................189
Pologne ..........................................................................................................................................197
Portugal .........................................................................................................................................203
Espagne .........................................................................................................................................211
Suède .............................................................................................................................................220
Suisse ............................................................................................................................................226
Turquie ..........................................................................................................................................231
Royaume-Uni .................................................................................................................................239
États-Unis ......................................................................................................................................246
PARTIE III : DÉFINITIONS ET NOTES ..................................................................................253
I. Définitions et notes communes ........................................................................................281
II. Définitions et notes par pays ............................................................................................285
III. Définitions relatives aux branches des assurances non-vie ...............................................305
IV. Liste complète des rubriques contenues dans les tableaux par pays ..................................309
V. Opérations des asssurances de l’UE/EEE à l’étranger par des agences et succursales........317
8
INTRODUCTION
In November 1982, the OECD Insurance Committee constituted the Working Group on
insurance statistics. Since then, the Working Group has collected and analysed data on various
insurance statistics, as well as discussed relevant methodologies.
As the qualitative and quantitative content of the statistical database has improved
considerably over time, the Committee decided in November 1992 to issue a publication that would
make the considerable body of information already collected available to the public at large. This
publication is the seventh in a series which is updated annualy.
This publication has the following three characteristics;
1. It covers major official insurance data from 1989 to 1996, obtained from all the
governments of OECD countries. (Exceptionally, data for the Czech Republic, Hungary,
Korea, Mexico and Poland are available respectively since 1993, 1991, 1994, 1992 and
1993 only). The publication contains not only general information on insurance activities
(number of companies, number of employees, gross premiums, net premiums etc.) but
also data related to major trends of the international insurance industry such as the market
share by foreign companies in each country, business written abroad, premiums in terms
of risk destination (foreign or domestic risks), foreign and domestic investments. From
1996, the scope of data collection has been expanded to include gross claims payments,
gross operating expenses and commissions.

2. In order to contribute to a better understanding of the insurance market, important
insurance activity indicators (OECD market share, penetration, density, premiums per
employee...) are included in the comparative tables. Some of these indicators are also
shown in the graphs. With these indicators, the characteristics of insurance market can be
more clearly perceived, in particular, in relation to national economic conditions.

3. In the comparative tables, a significant effort has been made to achieve comparability
among OECD countries. Definitions, classifications, calculation methods, and units have
been standardised as far as possible.
The publication has been prepared by the Directorate for Financial, Fiscal and Enterprises
Affairs and is issued under the responsibility of the Secretary General of the Organisation. However,
the collaboration with national administrations was essential to its achievement.
9