Facts and Figures The private insurance industry
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1 Facts and Figures 2015 The private insurance industry
2 2 Impressum Published by Swiss Insurance Association SIA Conrad-Ferdinand-Meyer-Strasse 14 P. O. Box CH-8022 Zurich Tel Fax Editorial team Alex Schönenberger, Roger Waber Address for orders Further information Swiss Insurance Association SIA 1 January 2015
3 Contents 3 Foreword 5 Swiss private insurance industry 6 Life and non-life insurance business in Switzerland 8 Life insurance business in Switzerland 10 Non-life insurance business in Switzerland 15 Inwards reinsurance business 21 Reinsurance 22 Assets including capital investments 25
4 Nothing happens without insurance The economic importance of the insurance industry is enormous. In the event of loss or damage, the insurance companies provide services that do not simply protect individuals from hardship or businesses from ruin, but also help create added value. They pay large amounts of tax, build homes and issue mortgages. The insurance industry offers attractive jobs and innovative vocational training.
5 4 The Swiss insurance market Insurance companies in Switzerland at 31 December Number of life insurance companies Number of P & C insurance companies Number of reinsurance companies Number of captive insurance companies Total of which companies with offices in Switzerland of which branches of foreign insurance companies SIA members in autumn 2014 Number of life insurance companies Number of property and casualty insurance companies Number of reinsurance companies Total SIA members share of total premium revenue in 2013* of which life insurance of which P & C insurance of which reinsurance ,3 % 98,5 % 73,8 % 87,4 % * 100% = all Finma-supervised companies
6 The Swiss insurance market Premium volume of the Swiss private insurance industry in 2013 in billions of Swiss francs Abroad 122,5 Switzerland 61,0 Total 183,5 Employee statistics Swiss private insurance companies 1 January 2014 Abroad Switzerland Total
7 Foreword 5 Dear readers This Facts and Figures brochure presents you with the most important data from the Swiss private insurance industry. Most of the figures have been taken from the Federal Financial Market Supervisory Authority, which supervises the Swiss private insurance sector. The sources of the data have been indicated. You can find more figures and diagrams on the Swiss insurance industry at our website: The data are updated and added to on an ongoing basis. A comprehensive range of upto-date information relevant to the industry in German, English and French is also available on this website. In addition, you will find a large number of other publications on a wide variety of issues relating to insurance. The Swiss Insurance Association SIA is the umbrella organisation representing the private insurance industry. Around 80 small and large, national and international primary insurers and reinsurers are members of the SIA. We are committed to preserving and promoting a liberal and socially-responsible competitive market economy, and strive to maintain conditions that are favourable to business. We are a reliable and professional partner for the authorities, the government and the general public. The Swiss Insurance Association SIA
8 6 Swiss private insurance industry Employee statistics at 1 January Total employed In Switzerland Abroad Breakdown of those employed in Switzerland Women Men Full-time employees Part-time employees Administration Customer consultants Female trainees Male trainees Total trainees Source: Swiss Insurance Association
9 Swiss private insurance industry 7 Premium volume worldwide in 2013 Switzerland Abroad Total Life Non-life Total direct insurance in CHF billion Reinsurance* Overall total in CHF billion Breakdown in percent 32,7 36,2 68,9 26,2 41,2 67,4 58,9 77,4 136,3 2,1 45,1 47,2 61,0 122,5 183,5 33,2 % 66,8 % 100 % * Swiss Insurance Association estimate 2013 premium volumes for the 10 largest Swiss private insurers worldwide in CHF billion (gross premium) Zurich Swiss Re Swiss Life AXA Winterthur Bâloise Helvetia Allianz Suisse Die Mobiliar Generali Schweiz Catlin Re Switzerland Total 4,7 62,6 0,4 30,6 9,0 18,0 12,1 12,1 4,4 9,0 4,4 7,5 3,8 3,8 3,4 3,4 2,1 2,1 0,2 1,9 Source: 2013 Annual Reports
10 8 Life and non-life business in Switzerland Premium income Life insurance Health insurance* (without compulsory basic health insurance) Motor insurance Fire and property insurance Accident insurance* General and occupational liability insurance Credit and surety insurance, road service, financial losses Ocean marine, aviation and transport insurance Legal protection insurance * including health insurers
11 Life and non-life business in Switzerland 9 Claims paid Life insurance Health insurance* (without compulsory basic health insurance) Motor insurance Fire and property insurance Accident insurance* General and occupational liability insurance Credit and surety insurance, road service, financial losses Ocean marine, aviation and transport insurance Legal protection insurance * including health insurers
12 10 Life insurance business in Switzerland Premium income Total Group life insurance Conventional single life insurance Unit-linked life insurance Other Group life insurance Occupational pension provision Other group life insurance of which single premium Conventional single life insurance Endowment Annuity Incapacity to work and disability Other single life insurance of which single premium
13 Life insurance business in Switzerland 11 Unit-linked life insurance Unit-linked endowment insurance Unit-linked annuity insurance Endowment insurance linked to other reference values Annuity insurance linked to other reference values of which single premium Claims paid Total Group life insurance Conventional single life insurance Unit-linked life insurance Other
14 12 Life insurance business in Switzerland Group life insurance Occupational pension provision Other group life insurance Conventional single life insurance Endowment Annuity Incapacity to work and disability Other single life insurance Unit-linked life insurance Unit-linked endowment insurance Unit-linked annuity insurance Endowment insurance linked to other reference values Annuity insurance linked to other reference values
15 Life insurance business in Switzerland 13 Other key figures Sums insured and annuities Occupational pension provision Other group life insurance Single life insurance Endowment Single life insurance Annuity Other single life insurance Unit-linked life insurance Other Number of insured persons (policies) Occupational pension provision Other group life insurance Single life insurance Endowment Single life insurance Annuity Other single life insurance Unit-linked life insurance Other Total
16 14 Life insurance business in Switzerland Premium reserves Occupational pension provision Other group life insurance Single life insurance Endowment Single life insurance Annuity Other single life insurance Unit-linked life insurance Other With-profits bonuses paid Occupational pension provision Other Swiss business
17 Non-life insurance business in Switzerland 15 Premium income Total Accident insurance* Health insurance* (without compulsory basic health insurance) Liability and motor insurance Fire and property insurance Other Accident insurance* Individual accident insurance Compulsory occupational accident insurance Compulsory non-occupational accident insurance Voluntary accident insurance Supplemental accident insurance Motor passenger accident insurance Other group accident insurance * including health insurers
18 16 Non-life insurance business in Switzerland Health insurance* Voluntary individual health insurance Group health insurance * including health insurers Liability and motor insurance Motor liability insurance Other motor insurance types Motor insurance, total Ocean marine, aviation, transport insurance General and occupational liability insurance Fire and property insurance Fire insurance Natural hazard insurance Other property insurance
19 Non-life insurance business in Switzerland 17 Other insurance types Legal protection insurance Credit insurance Surety insurance Road service insurance Miscellaneous financial losses
20 18 Non-life insurance business in Switzerland Claims paid Total Accident insurance* Health insurance* (without compulsory basic health insurance) Liability and motor insurance Fire and property insurance Other Accident insurance* Individual accident insurance Compulsory occupational accident insurance Compulsory non-occupational accident insurance Voluntary accident insurance Supplemental accident insurance Motor passenger accident insurance Other group accident insurance * including health insurers
21 Non-life insurance business in Switzerland 19 Health insurance* Voluntary individual health insurance Group health insurance * including health insurers Liability and motor insurance Motor liability insurance Other motor insurance types Motor insurance, total Ocean marine, aviation, transport insurance General and occupational liability insurance
22 20 Non-life insurance business in Switzerland Fire and property insurance Fire insurance Natural hazard insurance Other property insurance Other insurance types Legal protection insurance Credit insurance Surety insurance Road service insurance Miscellaneous financial losses
23 Inwards reinsurance business 21 Premium income Total inwards reinsurance business Life business Non-life business Payments for insurance claims Total inwards reinsurance business 2010 Life business Non-life business
24 22 Reinsurance Premium income Total Life business Non-life business Retroceded portion Total net in CHF million Life business Single life insurance (Endowment) Single life insurance (Annuity) Group life insurance Unit-linked life insurance
25 Reinsurance 23 Non-life business Accident insurance Health insurance Motor insurance Ocean marine, aviation, transport insurance Fire and property insurance General liability insurance Credit and surety insurance Other lines Claims paid Total Life business Non-life business Retroceded portion Total net in CHF million
26 24 Reinsurance Life business Single life insurance (Endowment) Single life insurance (Annuity) Group life insurance Non-life business Accident insurance Health insurance Motor insurance Ocean marine, aviation, transport insurance Fire and property insurance General liability insurance Credit and surety insurance Other lines
27 Assets including capital investments 25 Total Life Non-life Reinsurance Direct income from investments
28 26 Assets including capital investments Breakdown 2013 Life Non-life Re Total Fixed-interest securities Equity holdings Land and buildings and mortgages Equities and collective investments Alternative investments Fixed-term deposits, other money market investments Unit-linked life insurance Promissory notes Other Total capital investments in CHF billion Receivables and accruals Total assets in CHF billion 180,1 54,1 35,9 270,1 5,0 34,3 18,5 57,8 61,5 11,0 0,8 73,3 17,7 13,2 13,2 44,1 7,2 3,2 2,8 13,2 1,5 3,2 2,1 6,8 16,9 0,0 0,0 16,9 11,8 4,8 1,6 18,2 9,3 14,5 6,8 30,6 311,0 138,3 81,7 531,0 10,7 15,7 52,3 78,7 321,7 154,0 134,0 609,7
29 Swiss Insurance Association SIA Conrad-Ferdinand-Meyer-Strasse 14 P. O. Box CH-8022 Zurich Tel Fax
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Property and casualty insurance business 15 Premium revenue Total premiums Accident insurance* Accident insurance* 2 762 2 821 2 818 Health insurance* (without compulsory basic health insurance) 6 323
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