Personal Accident and Health Insurance in New Zealand, Key Trends and Opportunities to 2018

Published: Jul, 2014 | Pages: 243 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)


Synopsis
The report provides in depth market analysis, information and insights into New Zealand personal accident and health insurance segment, including:
New Zealand personal accident and health insurance segment's growth prospects by insurance categories 
Key trends and drivers for the personal accident and health insurance segment 
The various distribution channels in New Zealand personal accident and health insurance segment 
The detailed competitive landscape in the personal accident and health insurance in New Zealand
Detailed regulatory policies of New Zealand insurance industry
A description of the personal accident and health insurance segment in New Zealand
Porter's Five Forces analysis of the personal accident and health insurance segment 

Summary
New Zealand's personal accident and health segment recorded a compound annual growth rate (CAGR) of 4.4% during the review period (2009-2013). The segment accounted for the second-largest proportion of the total industry's gross written premium in 2013, with a share of 34.8%. In 2013, personal accident insurance was the largest category in the segment in terms of gross written premium, representative of a share of 58.0%, followed by health insurance with 42.0%. 
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in New Zealand:
It provides historical values for New Zealand's personal accident and health insurance segment for the report's 2009-2013 review period and forecast figures for the 2013-2018 forecast period.
It offers a detailed analysis of the key categiories in New Zealand's 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 New Zealand.
Using Porter's industry-standard "Five Forces" analysis, it details the competitive landscape in New Zealand for the personal accident and health insurance segment.
It provides a detailed analysis of the reinsurance segment in New Zealand and its growth prospects.
It profiles the top personal accident and health insurance companies in New Zealand and outlines the key regulations affecting them. 
Reason To Buy
 Make strategic business decisions using in depth historic and forecast market data related to New Zealand personal accident and health insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within New Zealand personal accident and health insurance segment
Assess the competitive dynamics in the personal accident and health insurance segment, along with the reinsurance segment
Identify the growth opportunities and market dynamics within key product categories
Gain insights into key regulations governing New Zealand insurance industry and its impact on companies and the segment's future 
Key Highlights
 According to the Central Intelligence Agency (CIA), health expenditure in New Zealand in 2010 stood at 10.1% of GDP.  In 2012, the country's population stood at 4.3 million. Sustained low fertility and mortality rates mean the population is gradually aging, with the 65-years-and-over age group being the fastest-growing group, accounting for 13.6% of the population.  In order to bring the industry in line with international practices, the Insurance (Prudential Supervision) Act 2010 (IPSA) was enacted in 2010.  The travel insurance category was the fastest growing in the personal accident and health segment with a review-period CAGR of 7.8%. 
According to the Organization for Economic Cooperation and Development (OECD) statistics, public sector spending on healthcare, as a percentage of GDP, increased to 10.3% in New Zealand in 2011.
Insurers' earnings from investments are likely to be effected by the low interest-rate environment in New Zealand; rates stood at 8.94% in 2008 and decreased to 5.53% in 2013.

 1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 New Zealand Insurance Industry Attractiveness
3.1 Insurance Industry Size, 2009-2018
3.2 Key Industry Trends and Drivers
3.3 Recent Market Developments
3.4 Challenges
4 Persol Accident and Health Insurance Segment Outlook
4.1 Consumer Segmentation and Buying Behavior
4.2 Product and Marketing Strategies
4.2.1 Marketing strategies
4.2.2 Product strategies
4.3 Persol Accident and Health Insurance Growth Prospects by Category
4.3.1 Persol accident
4.3.2 Travel insurance
4.3.3 Health insurance
4.3.4 Non-life health insurance
4.3.5 Life health insurance
5 Alysis by Distribution Channels
5.1 Direct Marketing
5.2 Bancassurance
5.3 Agencies
5.4 E-Commerce
5.5 Brokers
5.6 Other Channels
6 Porter's Five Forces Alysis - New Zealand Persol Accident and Health Insurance
6.1 Bargaining Power of Suppliers: Low to Medium
6.2 Bargaining Power of Buyers: Medium to High
6.3 Barriers to Entry: Medium to High
6.4 Intensity of Rivalry: High
6.5 Threat of Substitutes: Low
7 Reinsurance Growth Dymics and Challenges
7.1 Reinsurance Segment Size by Type of Insurance, 2009-2018
8 Governce, Risk and Compliance
8.1 Legislation Overview and Historical Evolution
8.2 Legislation and Market Practice by Type of Insurance
8.2.1 Life insurance
8.2.2 Property insurance
8.2.3 Motor insurance
8.2.4 Liability insurance
8.2.5 Marine, aviation and transit insurance
8.2.6 Persol accident and health insurance
8.3 Compulsory Insurance
8.4 Supervision and Control
8.4.1 Intertiol Association of Insurance Supervisors
8.4.2 Reserve Bank of New Zealand (RBNZ)
8.5 Non-Admitted Insurance Regulations
8.5.1 Overview
8.5.2 Intermediaries
8.5.3 Market practices
8.5.4 Fines and pelties
8.6 Company Registration and Operations
8.6.1 Types of insurance organization
8.6.2 Establishing a local company
8.6.3 Foreign ownership
8.6.4 Types of license
8.6.5 Capital requirements
8.6.6 Solvency margins
8.6.7 Reserve requirements
8.6.8 Investment regulations
8.6.9 Statutory return requirements
8.6.10 Fee structure
8.7 Taxation
8.7.1 Insurance premium or policy taxation
8.7.2 Withholding taxes on premium paid overseas
8.7.3 Corporate tax
8.7.4 VAT
8.7.5 Captives
8.8 Legal System
8.8.1 Introduction
8.8.2 Access to court
8.8.3 Altertive dispute resolution (ADR)
9 Competitive Landscape and Strategic Insights
9.1 Overview
9.2 Leading Companies in the New Zealand Persol Accident and Health Insurance Segment
9.3 Sovereign Assurance Company Ltd - Company Overview
9.3.1 Sovereign Assurance Company Ltd - key facts
9.4 Southern Cross Healthcare Group - Company Overview
9.4.1 Southern Cross Healthcare Group - key facts:
9.5 AIA New Zealand - Company Overview
9.5.1 AIA New Zealand - key facts
9.6 Lumley General Insurance (NZ) Ltd�- Company Overview
9.6.1 Lumley General Insurance (NZ) Ltd�- key facts
9.7 Tower (NZ) Ltd - Company Overview
9.7.1 Tower (NZ) Ltd - key facts
9.8 AIG Insurance New Zealand�Ltd - Company Overview
9.8.1 AIG Insurance New Zealand�Ltd - key facts
9.9 Allianz New Zealand Ltd - Company Overview
9.9.1 Allianz New Zealand Ltd - key facts
9.1 Medical Assurance Society New Zealand Ltd - Company Overview
9.10.1 Medical Assurance Society New Zealand Ltd - key facts
9.11 ACE Insurance Ltd - Company Overview
9.11.1 ACE Insurance Ltd - key facts
9.12 Partners Life Ltd - Company Overview
9.12.1 Partners Life Ltd - key facts
9.13 Cig Life Insurance New Zealand Ltd - Company Overview
9.13.1 Cig Life Insurance New Zealand Ltd - key facts
9.14 BNZ Life - Company Overview
9.14.1 BNZ Life - key facts
9.15 Westpac New Zealand Ltd�- Company Overview
9.15.1 Westpac New Zealand Ltd - key facts
10 Business Environment and Country Risk
10.1 Business Confidence
10.1.1 Market capitalization trend - New Zealand Stock Exchange, New Zealand
10.2 Economic Performance
10.2.1 GDP at constant prices (US$)
10.2.2 GDP per capita at constant prices (US$)
10.2.3 GDP at current prices (US$)
10.2.4 GDP per capita at current prices (US$)
10.2.5 GDP by key segments
10.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
10.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
10.2.8 Manufacturing net output at current prices (US$)
10.2.9 Manufacturing net output at current prices as a percentage of GDP
10.2.10 Mining, manufacturing and utilities at current prices (US$)
10.2.11 Mining, manufacturing and utilities at current prices, as percentage of GDP
10.2.12 Construction net output at current prices, (US$)
10.2.13 Construction net output at current prices as a percentage of GDP
10.2.14 Inflation rate
10.2.15 Exports as a percentage of GDP
10.2.16 Imports as a percentage of GDP
10.2.17 Merchandise Exports growth
10.2.18 Merchandise Imports growth
10.2.19 Annual average exchange rate NZD-US$
10.3 Infrastructure
10.3.1 New Commercial vehicles sales
10.3.2 New persol vehicle sales
10.3.3 Total internet subscribers
10.4 Labor Force
10.4.1 Labor force
10.4.2 Unemployment rate
10.5 Demographics
10.5.1 Household consumption expenditure (US$)
10.5.2 Total population
10.5.3 Urban and rural population
10.5.4 Age distribution of the total population
11 Appendix
11.1 Methodology
11.2 Contact Timetric
11.3 About Timetric
11.4 Timetric's Services
11.5 Disclaimer


List of Tables
Table 1: Insurance Industry Definitions 
Table 2: New Zealand Insurance - Gross Written Premium by Segment (NZD Billion), 2009-2013 
Table 3: New Zealand Insurance - Gross Written Premium by Segment (US$ Billion), 2009-2013 
Table 4: New Zealand Insurance - Gross Written Premium by Segment (NZD Billion), 2013-2018 
Table 5: New Zealand Insurance - Gross Written Premium by Segment (US$ Billion), 2013-2018 
Table 6: New Zealand Insurance - Segmentation, Gross Written Premium (Percentage Share), 2009-2018 
Table 7: New Zealand Insurance - Direct Written Premium by Segment (NZD Billion), 2009-2013 
Table 8: New Zealand Insurance - Direct Written Premium by Segment (US$ Billion), 2009-2013 
Table 9: New Zealand Insurance - Direct Written Premium by Segment (NZD Billion), 2013-2018 
Table 10: New Zealand Insurance - Direct Written Premium by Segment (US$ Billion), 2013-2018 
Table 11: New Zealand Insurance - Segmentation, Direct Written Premium (Percentage Share), 2009-2018 
Table 12: New Zealand Persol Accident and Health Insurance - Gross Written Premium by Category (NZD Million), 2009-2013 
Table 13: New Zealand Persol Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2009-2013 
Table 14: New Zealand Persol Accident and Health Insurance - Gross Written Premium by Category (NZD Million), 2013-2018 
Table 15: New Zealand Persol Accident and Health Insurance - Gross Written Premium by Category (US$ Million), 2013-2018 
Table 16: New Zealand Persol Accident and Health Insurance - Direct Written Premium by Category (NZD Million), 2009-2013 
Table 17: New Zealand Persol Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2009-2013 
Table 18: New Zealand Persol Accident and Health Insurance - Direct Written Premium by Category (NZD Million), 2013-2018 
Table 19: New Zealand Persol Accident and Health Insurance - Direct Written Premium by Category (US$ Million), 2013-2018 
Table 20: New Zealand Persol Accident and Health Insurance - Earned Premium (NZD Billion), 2009-2013 
Table 21: New Zealand Persol Accident and Health Insurance - Earned Premium (NZD Billion), 2013-2018 
Table 22: New Zealand Persol Accident and Health Insurance - Paid Claims by Category (NZD Million), 2009-2013 
Table 23: New Zealand Persol Accident and Health Insurance - Paid Claims by Category (US$ Million), 2009-2013 
Table 24: New Zealand Persol Accident and Health Insurance - Paid Claims by Category (NZD Million), 2013-2018 
Table 25: New Zealand Persol Accident and Health Insurance - Paid Claims by Category (US$ Million), 2013-2018 
Table 26: New Zealand Persol Accident and Health Insurance - Incurred Loss by Category (NZD Million), 2009-2013 
Table 27: New Zealand Persol Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2009-2013 
Table 28: New Zealand Persol Accident and Health Insurance - Incurred Loss by Category (NZD Million), 2013-2018 
Table 29: New Zealand Persol Accident and Health Insurance - Incurred Loss by Category (US$ Million), 2013-2018 
Table 30: New Zealand Persol Accident and Health Insurance - Retention by Category (NZD Million), 2009-2013 
Table 31: New Zealand Persol Accident and Health Insurance - Retention by Category (US$ Million), 2009-2013 
Table 32: New Zealand Persol Accident and Health Insurance - Retention by Category (NZD Billion), 2013-2018 
Table 33: New Zealand Persol Accident and Health Insurance - Retention by Category (US$ Billion), 2013-2018 
Table 34: New Zealand Persol Accident and Health Insurance - Loss Ratio (%), 2009-2013 
Table 35: New Zealand Persol Accident and Health Insurance - Loss Ratio (%), 2013-2018 
Table 36: New Zealand Persol Accident and Health Insurance - Commission and Expenses (NZD Billion), 2009-2013 
Table 37: New Zealand Persol Accident and Health Insurance - Commission and Expenses (NZD Billion), 2013-2018 
Table 38: New Zealand Persol Accident and Health Insurance - Combined Ratio (%), 2009-2013 
Table 39: New Zealand Persol Accident and Health Insurance - Combined Ratio (%), 2013-2018 
Table 40: New Zealand Persol Accident and Health Insurance - Frauds and Crimes (NZD Billion), 2009-2013 
Table 41: New Zealand Persol Accident and Health Insurance - Frauds and Crimes (NZD Billion), 2013-2018 
Table 42: New Zealand Persol Accident and Health Insurance - Total Assets (NZD Billion), 2009-2013 
Table 43: New Zealand Persol Accident and Health Insurance - Total Assets (NZD Billion), 2013-2018 
Table 44: New Zealand Persol Accident and Health Insurance - Total Investment Income (NZD Billion), 2009-2013 
Table 45: New Zealand Persol Accident and Health Insurance - Total Investment Income (NZD Billion), 2013-2018 
Table 46: New Zealand Persol Accident and Health Insurance - Retentions (NZD Billion), 2009-2013 
Table 47: New Zealand Persol Accident and Health Insurance - Retentions (NZD Billion), 2013-2018 
Table 48: New Zealand Persol Accident Insurance - Number of Policies Sold (Thousand), 2009-2013 
Table 49: New Zealand Persol Accident Insurance - Number of Policies Sold (Thousand), 2013-2018 
Table 50: New Zealand Persol Accident Insurance - Gross Written Premium (NZD Million), 2009-2013 
Table 51: New Zealand Persol Accident Insurance - Gross Written Premium (NZD Million), 2013-2018 
Table 52: New Zealand Persol Accident Insurance - Loss Ratio (%), 2009-2013 
Table 53: New Zealand Persol Accident Insurance - Loss Ratio (%), 2013-2018 
Table 54: New Zealand Travel Insurance - Number of Policies Sold (Thousand), 2009-2013 
Table 55: New Zealand Travel Insurance - Number of Policies Sold (Thousand), 2013-2018 
Table 56: New Zealand Travel Insurance - Gross Written Premium (NZD Million), 2009-2013 
Table 57: New Zealand Travel Insurance - Gross Written Premium (NZD Million), 2013-2018 
Table 58: New Zealand Travel Insurance - Loss Ratio (%), 2009-2013 
Table 59: New Zealand Travel Insurance - Loss Ratio (%), 2013-2018 
Table 60: New Zealand Health Insurance - Gross Written Premium by Sub-Category (NZD Million), 2009-2013 
Table 61: New Zealand Health Insurance - Gross Written Premium by Sub-Category (US$ Million), 2009-2013 
Table 62: New Zealand Health Insurance - Gross Written Premium by Sub-Category (NZD Million), 2013-2018 
Table 63: New Zealand Health Insurance - Gross Written Premium by Sub-Category (US$ Million), 2013-2018 
Table 64: New Zealand Non-Life Health Insurance - Number of Policies Sold (Thousand), 2009-2013 
Table 65: New Zealand Non-Life Health Insurance - Number of Policies Sold (Thousand), 2013-2018 
Table 66: New Zealand Non-Life Health Insurance - Gross Written Premium (NZD Million), 2009-2013 
Table 67: New Zealand Non-Life Health Insurance - Gross Written Premium (NZD Million), 2013-2018 
Table 68: New Zealand Non-Life Health Insurance - Direct Written Premium (NZD Million), 2009-2013 
Table 69: New Zealand Non-Life Health Insurance - Direct Written Premium (NZD Million), 2013-2018 
Table 70: New Zealand Non-Life Health Insurance - Loss Ratio (%), 2009-2013 
Table 71: New Zealand Non-Life Health Insurance - Loss Ratio (%), 2013-2018 
Table 72: New Zealand Non-Life Health Insurance - Retention (NZD Billion), 2009-2013 
Table 73: New Zealand Non-Life Health Insurance - Retention (NZD Billion), 2013-2018 
Table 74: New Zealand Life Health Insurance - Number of Policies Sold (Thousand), 2009-2013 
Table 75: New Zealand Life Health Insurance - Number of Policies Sold (Thousand), 2013-2018 
Table 76: New Zealand Life Health Insurance - Gross Written Premium (NZD Million), 2009-2013 
Table 77: New Zealand Life Health Insurance - Gross Written Premium (NZD Million), 2013-2018 
Table 78: New Zealand Life Health Insurance - Direct Written Premium (NZD Million), 2009-2013 
Table 79: New Zealand Life Health Insurance - Direct Written Premium (NZD Million), 2013-2018 
Table 80: New Zealand Life Health Insurance - Loss Ratio (%), 2009-2013 
Table 81: New Zealand Life Health Insurance - Loss Ratio (%), 2013-2018 
Table 82: New Zealand Life Health Insurance - Retention (NZD Billion), 2009-2013 
Table 83: New Zealand Life Health Insurance - Retention (NZD Billion), 2013-2018 
Table 84: New Zealand Persol Accident and Health Insurance - Direct Marketing Commission Paid (NZD Million), 2009-2013 
Table 85: New Zealand Persol Accident and Health Insurance - Direct Marketing Commission Paid (NZD Million), 2013-2018 
Table 86: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Direct Marketing (NZD Million), 2009-2013 
Table 87: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Direct Marketing (NZD Million), 2013-2018 
Table 88: New Zealand Persol Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013 
Table 89: New Zealand Persol Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018 
Table 90: New Zealand Persol Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013 
Table 91: New Zealand Persol Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018 
Table 92: New Zealand Persol Accident and Health Insurance - Bancassurance Commission Paid (NZD Million), 2009-2013 
Table 93: New Zealand Persol Accident and Health Insurance - Bancassurance Commission Paid (NZD Million), 2013-2018 
Table 94: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Bancassurance (NZD Million), 2009-2013 
Table 95: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Bancassurance (NZD Million), 2013-2018 
Table 96: New Zealand Persol Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013 
Table 97: New Zealand Persol Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018 
Table 98: New Zealand Persol Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013 
Table 99: New Zealand Persol Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018 
Table 100: New Zealand Persol Accident and Health Insurance - Commission Paid to Agencies (NZD Million), 2009-2013 
Table 101: New Zealand Persol Accident and Health Insurance - Commission Paid to Agencies (NZD Million), 2013-2018 
Table 102: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Agencies (NZD Million), 2009-2013 
Table 103: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Agencies (NZD Million), 2013-2018 
Table 104: New Zealand Persol Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2009-2013 
Table 105: New Zealand Persol Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2013-2018 
Table 106: New Zealand Persol Accident and Health Insurance - Number of Agencies, 2009-2013 
Table 107: New Zealand Persol Accident and Health Insurance - Number of Agencies, 2013-2018 
Table 108: New Zealand Persol Accident and Health Insurance - E-Commerce Commission Paid (NZD Million), 2009-2013 
Table 109: New Zealand Persol Accident and Health Insurance - E-Commerce Commission Paid (NZD Million), 2013-2018 
Table 110: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through E-Commerce (NZD Million), 2009-2013 
Table 111: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through E-Commerce (NZD Million), 2013-2018 
Table 112: New Zealand Persol Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013 
Table 113: New Zealand Persol Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018 
Table 114: New Zealand Persol Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013 
Table 115: New Zealand Persol Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018 
Table 116: New Zealand Persol Accident and Health Insurance - Commission Paid to Brokers (NZD Million), 2009-2013 
Table 117: New Zealand Persol Accident and Health Insurance - Commission Paid to Brokers (NZD Million), 2013-2018 
Table 118: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Brokers (NZD Million), 2009-2013 
Table 119: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Brokers (NZD Million), 2013-2018 
Table 120: New Zealand Persol Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2009-2013 
Table 121: New Zealand Persol Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018 
Table 122: New Zealand Persol Accident and Health Insurance - Number of Brokers, 2009-2013 
Table 123: New Zealand Persol Accident and Health Insurance - Number of Brokers, 2013-2018 
Table 124: New Zealand Persol Accident and Health Insurance - Commission Paid to Other Channels (NZD Million), 2009-2013 
Table 125: New Zealand Persol Accident and Health Insurance - Commission Paid to Other Channels (NZD Million), 2013-2018 
Table 126: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Other Channels (NZD Million), 2009-2013 
Table 127: New Zealand Persol Accident and Health Insurance - Gross Written Premium New Business Through Other Channels (NZD Million), 2013-2018 
Table 128: New Zealand Persol Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013 
Table 129: New Zealand Persol Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018 
Table 130: New Zealand Persol Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013 
Table 131: New Zealand Persol Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018 
Table 132: New Zealand Reinsurance Segment - Premium Ceded by Type of Insurance (NZD Million), 2009-2013 
Table 133: New Zealand Reinsurance Segment - Premium Ceded by Type of Insurance (US$ Million), 2009-2013 
Table 134: New Zealand Reinsurance Segment - Premium Ceded by Type of Insurance (NZD Million), 2013-2018 
Table 135: New Zealand Reinsurance Segment - Premium Ceded by Type of Insurance (US$ Million), 2013-2018 
Table 136: New Zealand Reinsurance Segment - Percentage of Reinsurance Ceded, 2009-2013 
Table 137: New Zealand Non-Life Insurance - Percentage of Reinsurance Ceded, 2013-2018 
Table 138: New Zealand - Life Insurance Regulatory Framework 
Table 139: New Zealand - Property Insurance Regulatory Framework 
Table 140: New Zealand - Motor Insurance Regulatory Framework 
Table 141: New Zealand - Liability  Insurance Regulatory Framework 
Table 142: New Zealand - Capital Requirements for Establishment of Insurance Companies 
Table 143: New Zealand - Corporate Taxes for Fincial Year 2014 
Table 144: Key Insurers in the New Zealand Persol Accident and Health Insurance Segment, 2013 
Table 145: Sovereign Assurance Company Ltd, Key Facts 
Table 146: Asteron Life Ltd, Key Facts 
Table 147: AIA New Zealand, Key Facts 
Table 148: Lumley General Insurance (NZ) Ltd, Key Facts 
Table 149: Tower (NZ) Ltd, Key Facts 
Table 150: AIG Insurance New Zealand�Ltd, Key Facts 
Table 151: Allianz New Zealand Ltd, Key Facts 
Table 152: Medical Assurance Society New Zealand Ltd, Key Facts 
Table 153: ACE Insurance Ltd, Key Facts 
Table 154: Partners Life Ltd, Key Facts 
Table 155: Cig Life Insurance New Zealand Ltd, Key Facts 
Table 156: BNZ Life, Key Facts 
Table 157: Westpac New Zealand Ltd, Key Facts