Personal Accident and Health Insurance in South Africa, Key Trends and Opportunities to 2018

Published: Jul, 2014 | Pages: 257 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)


Synopsis
The report provides in-depth market analysis, information and insights into the South African personal accident and health insurance segment, including:
The South African 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 the South African personal accident and health insurance segment
The detailed competitive landscape in the personal accident and health insurance segment in South Africa
Detailed regulatory policies of the South African insurance industry
A description of the personal accident and health reinsurance segment in South Africa
Porter's Five Forces analysis of the personal accident and health insurance segment
A benchmarking section on the South African personal accident and health insurance segment in comparison with other countries in the BRICS region 

Summary
South Africa's healthcare industry is expected to undergo a radical change in structure following the launch of National Healthcare Insurance (NHI), a universal healthcare scheme. The NHI is expected to have a significant impact on the South African personal accident and health segment, both directly and indirectly. Although personal accident and health insurance is the smallest segment in the country's overall insurance industry in terms of total written premium, NHI could considerably enlarge the segment. Other new South African insurance products, such as those which provide cover for those infected by HIV, will ensure its steady growth over the forecast period. 
Scope
This report provides a comprehensive analysis of the personal accident and health insurance segment in South Africa:
It provides historical values for the South African 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 sub-segments in South African 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 South Africa.
Using Porter's industry-standard "Five Forces" analysis, it details the competitive landscape in South Africa for the personal accident and health insurance segment.
It provides a detailed analysis of the reinsurance segment in South Africa and its growth prospects.
It profiles the top personal accident and health insurance companies in South Africa and outlines the key regulations affecting them. 
Reason To Buy
 Make strategic business decisions using in depth historic and forecast market data related to the South African personal accident and health insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within the South African 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 the South African insurance segment and its impact on companies and the market's future 
Key Highlights
 The personal accident and health segment recorded a CAGR of 11.3% during the review period.
The South African personal accident and health segment's share of gross written premium was the smallest in the insurance industry during the review period; however it increased from 4.0% in 2009 to 4.8% in 2013.
Health insurance category drove the growth of personal accident and health segment during the review period.
The travel category recorded robust growth during the review period, due to the country's preparation for, and successful execution of, the 2010 FIFA Football World Cup.

 1 Executive Summary
2 Introduction
2.1 What is this Report About?
2.2 Definitions
2.3 Methodology
3 Regiol Market Dymics
3.1 Overview
3.1.1 Market trends
3.1.2 Market size
4 Persol Accident and Health Insurance - Regiol Benchmarking
4.1 Overview
4.2 Scale and Penetration
4.2.1 Total market gross written premium
4.2.2 Premium per capita
4.2.3 Persol accident and health insurance penetration (as a percentage of GDP)
4.3 Growth
4.3.1 Gross written premium
4.3.2 Gross written premium per capita
4.4 Efficiency and Risk
4.4.1 Loss ratio
4.4.2 Incurred losses per capita
4.4.3 Incurred losses as a percentage of GDP
4.5 Distribution Channels
4.5.1 Direct marketing
4.5.2 Bancassurance
4.5.3 Agencies
5 South African Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2009-2018
5.2 Key Industry Trends and Drivers
5.3 Challenges
5.4 Recent Market Developments
6 Persol Accident and Health Insurance Segment Outlook
6.1 Consumer Segmentation
6.1.1 Individual Buyers
6.1.2 Corporate Segments
6.2 Product and Marketing Strategies
6.2.1 Product Strategies
6.2.2 Marketing Strategies
6.3 Persol Accident and Health Insurance Growth Prospects by Category
6.3.1 Persol accident
6.3.2 Travel insurance
6.3.3 Health insurance
7 Alysis by Distribution Channels
7.1 Direct marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other channels
8 Porter's Five Forces Alysis - South African Persol Accident and    Health Insurance Segment
8.1 Bargaining Power of Supplier: Medium to High
8.2 Bargaining Power of Buyer: Medium to High
8.3 Barriers to Entry: Medium
8.4 Intensity of Rivalry: High
8.5 Threat of Substitutes: Low
9 Reinsurance Growth Dymics and Challenges
9.1 Reinsurance Segment Size, 2009-2018
9.2 Reinsurance Segment Size by Type of Insurance, 2009-2018
10 Governce, Risk and Compliance
10.1 Legislation Overview and Historical Evolution
10.2 Legislation and Market Practice by Type of Insurance
10.2.1 Life insurance
10.2.2 Property insurance
10.2.3 Motor insurance
10.2.4 Marine, aviation and transit insurance
10.2.5 Persol accident and health insurance
10.3 Compulsory Insurance
10.3.1 Motor third-party liability insurance
10.3.2 Aviation third-party liability insurance
10.3.3 Unemployment insurance
10.3.4 Compensation for occupatiol diseases and injuries
10.3.5 Public liability insurance
10.4 Supervision and Control
10.4.1 Intertiol Association of Insurance Supervisors
10.4.2 African Insurance Organization
10.4.3 Fincial Services Board
10.5 Non-Admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market practices
10.5.4 Fines and pelties
10.6 Company Registration and Operations
10.6.1 Types of insurance organization
10.6.2 Establishing a local company
10.6.3 Foreign ownership
10.6.4 Types of license
10.6.5 Capital requirements
10.6.6 Solvency margins
10.6.7 Reserve requirements
10.6.8 Investment regulations
10.6.9 Statutory return requirements
10.6.10 Fee structure
10.7 Taxation
10.7.1 Insurance premium or policy taxation
10.7.2 Withholding taxes on premium paid overseas
10.7.3 Corporate tax
10.7.4 VAT
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access to court
10.8.3 Altertive dispute resolution (ADR)
11 Competitive Landscape and Strategic Insights
11.1 Overview
11.2 Leading Companies in the South African Persol Accident and Health Insurance Segment
11.3 Discovery Life Ltd - Company Overview
11.3.1 Discovery Life Ltd - key facts
11.3.2 Discovery Life Ltd - key fincials
11.4 Liberty Group Ltd - Company Overview
11.4.1 Liberty Group Ltd - key facts
11.4.2 Liberty Group Ltd - key fincials
11.5 Hollard Life Assurance Company Ltd - Company Overview
11.5.1 Hollard Life Assurance Company Ltd - key facts
11.5.2 Hollard Life Assurance Company Ltd - key fincials
11.6 MMI (Momentum) Group Ltd - Company Overview
11.6.1 MMI Group Ltd - key facts
11.6.2 MMI Group Ltd - key fincials
11.7 Liberty Active Ltd - Company Overview
11.7.1 Liberty Active Ltd - key facts
11.7.2 Liberty Active Ltd - key fincials
11.8 Guardrisk Insurance Company Ltd - Company Overview
11.8.1 Guardrisk Insurance Company Ltd - key facts
11.8.2 Guardrisk Insurance Company Ltd - key fincials
11.9 Rand Mutual Assurance Company Ltd - Company Overview
11.9.1 Rand Mutual Assurance Company Ltd - key facts
11.9.2 Rand Mutual Assurance Company Ltd - key fincials
11.1 Assupol Life - Company Overview
11.10.1 Assupol Life - key facts
11.10.2 Assupol Life - key fincials
11.11 Old Mutual Life Assurance Company Ltd - Company Overview
11.11.1 Old Mutual Life Assurance Company Ltd - key facts
11.11.2 Old Mutual Life Assurance Company Ltd - key fincials
11.12 Sanlam Life Insurance Ltd - Company Overview
11.12.1 Sanlam Life Insurance Ltd - key facts
11.12.2 Sanlam Life Insurance Ltd - key fincials
12 Business Environment and Country Risk
12.1 Business Confidence
12.1.1 Market capitalization trend - Johannesburg Stock Exchange, South Africa
12.2 Economic Performance
12.2.1 GDP at constant prices (US$)
12.2.2 GDP per capita at constant prices (US$)
12.2.3 GDP at current prices (US$)
12.2.4 GDP per capita at current prices (US$)
12.2.5 GDP by key segments
12.2.6 Agriculture, hunting, forestry and fishing net output at current prices (US$)
12.2.7 Agriculture, hunting, forestry and fishing net output at current prices as a percentage of GDP
12.2.8 Manufacturing net output at current prices (US$)
12.2.9 Manufacturing net output at current prices as a percentage of GDP
12.2.10 Mining, manufacturing and utilities at current prices (US$)
12.2.11 Mining, manufacturing and utilities at current prices as percentage of GDP
12.2.12 Construction net output at current prices (US$)
12.2.13 Construction net output at current prices as a percentage of GDP
12.2.14 Inflation rate
12.2.15 Exports as a percentage of GDP
12.2.16 Imports as a percentage of GDP
12.2.17 Merchandise Exports growth
12.2.18 Merchandise Imports growth
12.2.19 Annual average exchange rate ZAR-US$
12.3 Infrastructure
12.3.1 Commercial vehicles exports - total value
12.3.2 Commercial vehicles imports - total value
12.3.3 Automotive exports - total value
12.3.4 Automotive imports - total value
12.3.5 Total internet subscribers
12.4 Labor Force
12.4.1 Labor force
12.4.2 Unemployment rate
12.5 Demographics
12.5.1 Gross tiol disposable income (US$)
12.5.2 Household consumption expenditure (US$)
12.5.3 Total population
12.5.4 Urban and rural population
12.5.5 Age distribution of the total population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Disclaimer


List of Tables
Table 1: Insurance Industry Definitions
Table 2: South African Insurance - Gross Written Premium by Segment (ZAR Billion), 2009-2013
Table 3: South African Insurance - Gross Written Premium by Segment (US$ Billion), 2009-2013
Table 4: South African Insurance - Gross Written Premium by Segment (ZAR Billion), 2013-2018
Table 5: South African Insurance - Gross Written Premium by Segment (US$ Billion), 2013-2018
Table 6: South African Insurance - Segmentation (Percentage Share), 2009-2018
Table 7: South African Insurance - Direct Written Premium by Segment (ZAR Billion), 2009-2013
Table 8: South African Insurance - Direct Written Premium by Segment (US$ Billion), 2009-2013
Table 9: South African Insurance - Direct Written Premium by Segment (ZAR Billion), 2013-2018
Table 10: South African Insurance - Direct Written Premium by Segment (US$ Billion), 2013-2018
Table 11: South African Insurance - Segmentation, Direct Written Premium (Percentage Share), 2009-2018
Table 12: South African Persol Accident and Health Insurance - Gross Written Premium by Category (ZAR Billion), 2009-2013
Table 13: South African Persol Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2009-2013
Table 14: South African Persol Accident and Health Insurance - Gross Written Premium by Category (ZAR Billion), 2013-2018
Table 15: South African Persol Accident and Health Insurance - Gross Written Premium by Category (US$ Billion), 2013-2018
Table 16: South African Persol Accident and Health Insurance - Direct Written Premium by Category (ZAR Billion), 2009-2013
Table 17: South African Persol Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2009-2013
Table 18: South African Persol Accident and Health Insurance - Direct Written Premium by Category (ZAR Billion), 2013-2018
Table 19: South African Persol Accident and Health Insurance - Direct Written Premium by Category (US$ Billion), 2013-2018
Table 20: South African Persol Accident and Health Insurance - Earned Premium (ZAR Billion), 2009-2013
Table 21: South African Persol Accident and Health Insurance - Earned Premium (ZAR Billion), 2013-2018
Table 22: South African Persol Accident and Health Insurance - Paid Claims by Category (ZAR Billion), 2009-2013
Table 23: South African Persol Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2009-2013
Table 24: South African Persol Accident and Health Insurance - Paid Claims by Category (ZAR Billion), 2013-2018
Table 25: South African Persol Accident and Health Insurance - Paid Claims by Category (US$ Billion), 2013-2018
Table 26: South African Persol Accident and Health Insurance - Incurred Loss by Category (ZAR Billion), 2009-2013
Table 27: South African Persol Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2009-2013
Table 28: South African Persol Accident and Health Insurance - Incurred Loss by Category (ZAR Billion), 2013-2018
Table 29: South African Persol Accident and Health Insurance - Incurred Loss by Category (US$ Billion), 2013-2018
Table 30: South African Persol Accident and Health Insurance - Retention by Category (ZAR Billion), 2009-2013
Table 31: South African Persol Accident and Health Insurance - Retention by Category (US$ Billion), 2009-2013
Table 32: South African Persol Accident and Health Insurance - Retention by Category (ZAR Billion), 2013-2018
Table 33: South African Persol Accident and Health Insurance - Retention by Category (US$ Billion), 2013-2018
Table 34: South African Persol Accident and Health Insurance - Loss Ratio (%), 2009-2013
Table 35: South African Persol Accident and Health Insurance - Loss Ratio (%), 2013-2018
Table 36: South African Persol Accident and Health Insurance - Commission and Expenses (ZAR Billion), 2009-2013
Table 37: South African Persol Accident and Health Insurance - Commission and Expenses (ZAR Billion), 2013-2018
Table 38: South African Persol Accident and Health Insurance - Combined Ratio (%), 2009-2013
Table 39: South African Persol Accident and Health Insurance - Combined Ratio (%), 2013-2018
Table 40: South African Persol Accident and Health Insurance - Frauds and Crimes (ZAR Billion), 2009-2013
Table 41: South African Persol Accident and Health Insurance - Frauds and Crimes (ZAR Billion), 2013-2018
Table 42: South African Persol Accident and Health Insurance - Total Assets (ZAR Billion), 2009-2013
Table 43: South African Persol Accident and Health Insurance - Total Assets (ZAR Billion), 2013-2018
Table 44: South African Persol Accident and Health Insurance - Total Investment Income (ZAR Billion), 2009-2013
Table 45: South African Persol Accident and Health Insurance - Total Investment Income (ZAR Billion), 2013-2018
Table 46: South African Persol Accident and Health Insurance - Retentions (ZAR Billion), 2009-2013
Table 47: South African Persol Accident and Health Insurance - Retentions (ZAR Billion), 2013-2018
Table 48: South African Persol Accident Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 49: South African Persol Accident Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 50: South African Persol Accident Insurance - Gross Written Premium (ZAR Billion), 2009-2013
Table 51: South African Persol Accident Insurance - Gross Written Premium (ZAR Billion), 2013-2018
Table 52: South African Persol Accident Insurance - Loss Ratio (%), 2009-2013
Table 53: South African Persol Accident Insurance - Loss Ratio (%), 2013-2018
Table 54: South African Travel Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 55: South African Travel Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 56: South African Travel Insurance - Gross Written Premium (ZAR Billion), 2009-2013
Table 57: South African Travel Insurance - Gross Written Premium (ZAR Billion), 2013-2018
Table 58: South African Travel Insurance - Loss Ratio (%), 2009-2013
Table 59: South African Travel Insurance - Loss Ratio (%), 2013-2018
Table 64: South African Health Insurance - Number of Policies Sold (Thousand), 2009-2013
Table 65: South African Health Insurance - Number of Policies Sold (Thousand), 2013-2018
Table 66: South African Health Insurance - Gross Written Premium (ZAR Billion), 2009-2013
Table 67: South African Health Insurance - Gross Written Premium (ZAR Billion), 2013-2018
Table 68: South African Health Insurance - Direct Written Premium (ZAR Billion), 2009-2013
Table 69: South African Health Insurance - Direct Written Premium (ZAR Billion), 2013-2018
Table 70: South African Health Insurance - Loss Ratio (%), 2009-2013
Table 74: South African Persol Accident and Health Insurance - Direct Marketing Commission Paid (ZAR Billion), 2009-2013
Table 75: South African Persol Accident and Health Insurance - Direct Marketing Commission Paid (ZAR Billion), 2013-2018
Table 76: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Direct Marketing (ZAR Billion), 2009-2013
Table 77: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Direct Marketing (ZAR Billion), 2013-2018
Table 78: South African Persol Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2009-2013
Table 79: South African Persol Accident and Health Insurance - Policies Sold Through Direct Marketing (Thousand), 2013-2018
Table 80: South African Persol Accident and Health Insurance - Number of Direct Marketing Distributors, 2009-2013
Table 81: South African Persol Accident and Health Insurance - Number of Direct Marketing Distributors, 2013-2018
Table 82: South African Persol Accident and Health Insurance - Bancassurance Commission Paid (ZAR Billion), 2009-2013
Table 83: South African Persol Accident and Health Insurance - Bancassurance Commission Paid (ZAR Billion), 2013-2018
Table 84: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Bancassurance (ZAR Billion), 2009-2013
Table 85: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Bancassurance (ZAR Billion), 2013-2018
Table 86: South African Persol Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2009-2013
Table 87: South African Persol Accident and Health Insurance - Policies Sold Through Bancassurance (Thousand), 2013-2018
Table 88: South African Persol Accident and Health Insurance - Number of Bancassurance Distributors, 2009-2013
Table 89: South African Persol Accident and Health Insurance - Number of Bancassurance Distributors, 2013-2018
Table 90: South African Persol Accident and Health Insurance - Commission Paid to Agencies (ZAR Billion), 2009-2013
Table 91: South African Persol Accident and Health Insurance - Commission Paid to Agencies (ZAR Billion), 2013-2018
Table 92: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Agencies (ZAR Billion), 2009-2013
Table 93: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Agencies (ZAR Billion), 2013-2018
Table 94: South African Persol Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2009-2013
Table 95: South African Persol Accident and Health Insurance - Policies Sold Through Agencies (Thousand), 2013-2018
Table 96: South African Persol Accident and Health Insurance - Number of Agencies, 2009-2013
Table 97: South African Persol Accident and Health Insurance - Number of Agencies, 2013-2018
Table 98: South African Persol Accident and Health Insurance - E-Commerce Commission Paid (ZAR Billion), 2009-2013
Table 99: South African Persol Accident and Health Insurance - E-Commerce Commission Paid (ZAR Billion), 2013-2018
Table 100: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through E-Commerce (ZAR Billion), 2009-2013
Table 101: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through E-Commerce (ZAR Billion), 2013-2018
Table 102: South African Persol Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2009-2013
Table 103: South African Persol Accident and Health Insurance - Policies Sold Through E-Commerce (Thousand), 2013-2018
Table 104: South African Persol Accident and Health Insurance - Number of E-Commerce Distributors, 2009-2013
Table 105: South African Persol Accident and Health Insurance - Number of E-Commerce Distributors, 2013-2018
Table 106: South African Persol Accident and Health Insurance - Commission Paid to Brokers (ZAR Billion), 2009-2013
Table 107: South African Persol Accident and Health Insurance - Commission Paid to Brokers (ZAR Billion), 2013-2018
Table 108: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Brokers (ZAR Billion), 2009-2013
Table 109: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Brokers (ZAR Billion), 2013-2018
Table 110: South African Persol Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2009-2013
Table 111: South African Persol Accident and Health Insurance - Policies Sold Through Brokers (Thousand), 2013-2018
Table 112: South African Persol Accident and Health Insurance - Number of Brokers, 2009-2013
Table 113: South African Persol Accident and Health Insurance - Number of Brokers, 2013-2018
Table 114: South African Persol Accident and Health Insurance - Commission Paid to Other Channels (ZAR Billion), 2009-2013
Table 115: South African Persol Accident and Health Insurance - Commission Paid to Other Channels (ZAR Billion), 2013-2018
Table 116: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Other Channels (ZAR Billion), 2009-2013
Table 117: South African Persol Accident and Health Insurance - Gross Written Premium New Business Through Other Channels (ZAR Billion), 2013-2018
Table 118: South African Persol Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2009-2013
Table 119: South African Persol Accident and Health Insurance - Policies Sold Through Other Channels (Thousand), 2013-2018
Table 120: South African Persol Accident and Health Insurance - Number of Distributors in Other Channels, 2009-2013
Table 121: South African Persol Accident and Health Insurance - Number of Distributors in Other Channels, 2013-2018
Table 122: South African Reinsurance by Category (ZAR Billion), 2009-2013
Table 123: South African Reinsurance by Category (US$ Billion), 2009-2013
Table 124: South African Reinsurance by Category (ZAR Billion), 2013-2018
Table 125: South African Reinsurance by Category (US$ Billion), 2013-2018
Table 126: South African Premium Ceded to Reinsurance by Type of Insurance (ZAR Billion), 2009-2013
Table 127: South African Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2009-2013
Table 128: South African Premium Ceded to Reinsurance by Type of Insurance (ZAR Billion), 2013-2018
Table 129: South African Premium Ceded to Reinsurance by Type of Insurance (US$ Billion), 2013-2018
Table 130: South African Persol Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2009-2013
Table 131: South African Persol Accident and Health Insurance - Percentage of Reinsurance Ceded (%), 2013-2018
Table 132: South Africa - Life Insurance Regulatory Framework
Table 133: South Africa - Property Insurance Regulatory Framework
Table 134: South Africa - SASRIA Annual and Monthly Premium Rates
Table 135: South Africa - Motor Insurance Regulatory Framework
Table 136: South Africa - Corporate Tax Rates in South Africa for the Fincial Year 2013-2014
Table 137: Shares of Key Insurers in the South African Persol Accident and Health  Insurance Segment (%), 2012
Table 138: Discovery Life Ltd, Key Facts
Table 139: Discovery Life Ltd, Key Fincials (ZAR Million)
Table 140: Liberty Group Ltd, Key Facts
Table 141: Liberty Group Ltd, Key Fincials (ZAR Million)
Table 142: Hollard Life Assurance Company Ltd, Key Facts
Table 143: Hollard Life Assurance Company Ltd, Key Fincials (ZAR Million)
Table 144: MMI Group Ltd, Key Facts
Table 145: MMI Group Ltd, Key Fincials (ZAR Million)
Table 146: Liberty Active Ltd, Key Facts
Table 147: Liberty Active Ltd, Key Fincials (ZAR Million)
Table 148: Guardrisk Insurance Company Ltd, Key Facts
Table 149: Guardrisk Insurance Company Ltd, Key Fincials (ZAR Million)
Table 150: Rand Mutual Assurance Company Ltd, Key Facts
Table 151: Rand Mutual Assurance Company Ltd, Key Fincials (ZAR Million)
Table 152: Assupol Life, Key Facts
Table 153: Assupol Life, Key Fincials (ZAR Million)
Table 154: Old Mutual Life Assurance Company Ltd, Key Facts
Table 155: Old Mutual Life Assurance Company Ltd, Key Fincials (ZAR Million)
Table 156: Sanlam Life Insurance Ltd, Key Facts
Table 157: Sanlam Life Insurance Ltd, Key Fincials (ZAR Million)