The 5 th International Insurance Conference. Rome, June 13 th, 2013

Transcription

1 The 5 th International Insurance Conference Rome, June 13 th, 2013

2 Brazil: The 7 th World Largest Economy (US$ Billion) Population: 194 Million Size: 8,515,767 km² Brazil s GDP Growth: Year US$ Growth (%) , ,172 8% ,324 7% US$ 15,684 US$ 8,227 US$ 5,963 US$ 3,400 US$ 2,608 US$ 2,440 US$ 2, ,395 3% Obs: US$ Billion Source: Centro de Pesquisa Econômica e de Negócios / IBGE 2013 (Instituto Brasileiro de Geografia e Estatística) 2

3 Total Expenditure (U.S. $ Billion) The World s 10 th Largest Health Expenditure 5,686 6,000 (100%) 43% 3,000 2,000 1,000 7% 7% 5% 5% 4% 3% 3% 2% 2% 19% Health Expenditure in Brazil (%GDP) Mundo EUA Japan Germany France UK China Italy Canada Spain Brazil Others GDP(%) Distribution (Public/Private) Expenditures per Capita Public 46% Private 54% Source : WHO 2011 (World Health Organization) 3

4 Health Expenditure - Brazil US$ 98 billion 146,7 million US$ per capita US$ 115 billion 47,3 million US$ 2, per capita Source : WHO / IBGE 4

5 Brazil s Insurance Marketplace Branch Premium/Revenues (US$ Billion) Non-Life (P&C, Auto) 23,4 18.9% Health 47,5 38.3% Life 39,7 32.0% Pension Funds 5,4 4.3% Premium Bond 8,1 6.5% Total 124, % % Note: 1 US$ = R$ 2,048 Source:

6 Growth of Dental and Health Plans - Members CAGR ( ): Population: 0.97% 35,0 37,0 38,8 40,8 42,1 45,7 47,6 47,3 6,1 7,3 8,9 10,4 12,7 14,6 16,8 16,5 Dec/05 Dec/06 Dec/07 Dec/08 Dec/09 Dec/10 Dec/11 Dec/12 Health Plans combined or not with dental plans (million) Dental plans (million) 19 Health Plan Penetration (%) Dental Plan Penetration (%) Source: ANS 2012 (Agência Nacional de Saúde Suplementar / IBGE (2012) 6

7 Strong Drivers for Continuous Growth Increase of Health Plan Penetration % 23.8% 24.1% 27.4% 30.4% Brazilian Population Nº of Members Members/Population Brazilian Population (Estimate) Nº of Members (Estimate) Source: IBGE, Censo ANS, Organized by Orizon and Deloitte 7

8 Main Driver: Formal Jobs Creation Formal Jobs and Members Added to Private Healthcare Sector (million, cumulative) 12,1 12,7 10,8 8,2 8,5 6,8 7,1 5,1 5,1 3,1 3,3 1,6 1,3 14, Formal jobs, net per year Members added to private hcs per year Source: CAGED 2012 (Cadastro Geral de Empregados e Desempregados) ; ANS (2012) Number of companies (x 1,000) 4,200 4,600 4,800 5,000 5,200 5,400 5,500 5,600 5,800 6,000 6,100 6, SME LE Source: SEBRAE 2012 (Serviço Brasileiro de Apoio às Micro e Pequenas Empresas) Note: Small and Medium Enterprises (SME) / Larger Enterprises (LE) 8

9 ... With Low Level of Unemployment Rate Macroeconomic Scenario Unemployment Rate 14% 12% 10% 8% 6% 4% 2% 0% Unemployment Rate Average Employee Income $ $ ,200 $ $ ,000 $800 $ $600 $ $400 $ 400 $200 $ 200 $ - $- Source: IBGE (2013) 9

10 Social Mobility % of Population by Class 55.0% 54.8% 37.6% 33.2% 7.6% 11.8% A,B C D,E Growth of the classes D and E Source: All Consulting Estudo Setorial Medicina Diagnóstica August,

11 Challenges of the Healthcare Market Epidemiologic Changes Drugs and Medical Devices on Total Healthcare Expenditure Demographic Changes 11

12 Epidemiologic Changes Disease mix shifts as countries develop from acute to chronic diseases Total Population (in Millions) 354 1,988 2,

13 Increase of Drugs and Medical Devices on Total Health Expenditure Hospital Revenues Breakdown (Evolution ) Revenue Daily Rates 31.7% 33.1% 30.3% 29.4% 28.0% 24.5% Drugs and Medical Devices 44.9% 46.4% 48.6% 50.9% 48.5% 51.5% Service of Diagnosis and Therapy 12.0% 11.1% 12.6% 11.6% 11.2% 14.1% Services 3.0% 2.9% 2.5% 3.2% 3.4% 4.5% Operational 8.5% 6.6% 6.0% 4.8% 8.9% 5.5% Source: Observatório ANAHP

14 Demographic Changes Age structure of the population (%) in Brazil: Time that elderly population doubles: France: 120 years Total Young Elderly Sweden: 85 years Austria: 76 years Brazil: 20 years Source: IBGE 14

15 Bradesco Saúde Highlights Bradesco Saúde began its activties in Million Members with US$ 5 Million in Revenues 9% Market Share of health companies in lives 11.7% in average growth for the last 4 years (Health Market CAGR: 4.0% ) Number 1 in Corporate Health Plans with 57,000 Companies as clients Present in all Brazilian States 42,400 Medical Services Providers 15

16 Performance Indicators Members Members (x 1,000) 2,847 3,089 3,426 3,963 3,588 3, Q2012 1Q2013 Corporate Plans (x 1,000) 2,323 2,513 2,771 3,165 2,906 3, Q2012 1Q2013 SME LE Note: Bradesco Saúde and Mediservice SME: Small and Medium Enterprises / LE: Large Enterprises 16

17 Performance Indicators Revenues Revenues (US$ million) 3,379 4,119 4,440 4,855 1,243 1, Q2012 1Q2013 Corporate Plans (US$ million) 2,338 2,834 3,067 3, ,023 1, Q2012 1Q2013 SME LE Note: Bradesco Saúde and Mediservice, except for Individual Plans SME: Small and Medium Enterprises / LE: Large Enterprises 17

18 Accreditation as a transformation vector First (and only) Health Plan Company that received an Accreditation Certificate by ANS, sanctioned by JCI. Insured Programs of health promotion and disease prevention; Systematic information to developing self-care, by the web, co-payment and deductible products to generate consumerism (awareness of resource use). Transparency Focus on Healthcare (Client Patient) Network Re-qualification of network providers, creating preferred network of general doctors with programmed schedule appointments, change the pattern of compensation based on effectiveness of medical care, wide access to the medical literature of the last generation. Information - Quality Relationship - appropriate structure-engagement of employees Institutional Committees assessing the quality of regulation, with participation of consumers and network programs, quality of care. 87 Improvement Actions Accessibility Transparency Information - Quality Participatory Forums 18

19 Thank You Marcio Serôa de Araujo Coriolano CEO