Facts and Figures The Swiss private insurance industry
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1 Facts and Figures 2016 The Swiss private insurance industry
2 Introduction 3 Dear reader This brochure presents you with the most important data about the Swiss private insurance industry. Most of the figures have been provided by the Federal Financial Market Supervisory Authority, which supervises the Swiss private insurance sector. All sources are indicated. Additional data on the Swiss insurance industry can be found at our website: These data are updated and expanded on an ongoing basis. On this website, you will also find comprehensive, up-to-date industry information in German, English, Italian and French. In addition, it links to numerous other publications on a wide variety of insruance issues. The Swiss Insurance Association SIA is the Swiss umbrella organisation for the private insurance industry. It represents some 80 members both small and large, national and international, primary insurers and reinsurers. The SIA is committed to preserving and promoting a liberal and socially-responsible competitive market economy, and strives to maintain conditions that are favourable to business. At the SIA, we aim to be a reliable and professional partner for the authorities, the government and the general public. The Swiss Insurance Association SIA Facts and Figures 2016 ASA SVV
3 4 Imprint Editorial team: Alex Schönenberger, Roger Waber Graphic design: Basis Communication GmbH, Zurich Print: gdz AG, Zurich Distribution: Blinden- und Behindertenzentrum Bern Translation: Synopsis Wirtschaftskommunikation, Liestal Orders: Published by: Swiss Insurance Association SIA Conrad-Ferdinand-Meyer-Strasse 14 P. O. Box CH-8022 Zürich Tel Fax Swiss Insurance Association SIA 1 January 2016 Printed in Switzerland ASA SVV Facts and Figures 2016
4 Contents The Swiss insurance market The Swiss private insurance industry Economic performance of the insurance sector Life and non-life insurance business in Switzerland Life insurance business in Switzerland Non-life insurance business in Switzerland Business assumed for reinsurance Reinsurance Assets including capital investments Facts and Figures 2016 ASA SVV
5 6 The Swiss insurance market Insurance companies in Switzerland by number at 31 December Life insurance companies Property and casualty insurance companies Reinsurance companies Captive insurance companies Total of which companies with offices in Switzerland of which branches of foreign insurance companies SIA members by number (autumn 2015) Life insurance companies Property and casualty insurance companies Reinsurance companies Total SIA members share of total premium revenue in 2014 * of which life insurance of which P & C insurance of which reinsurance ,3 % 99,9 % 71,3 % 87,5 % * 100 % = all Finma-supervised companies ASA SVV Facts and Figures 2016
6 The Swiss insurance market premium volume (Swiss private insurance industry) in billions of Swiss francs International 126,8 Total 188,0 Switzerland 61,2 Employees Swiss private insurance companies December 2015 International Total Switzerland Facts and Figures 2016 ASA SVV
7 8 Swiss private insurance industry Employees at 1 January Total employees Switzerland International Employees in Switzerland Women Men Full-time employees Part-time employees Administration Insurance advisors Female trainees Male trainees Total trainees Source: Swiss Insurance Association SVV ASA SVV Facts and Figures 2016
8 Swiss private insurance industry 9 Premium volume worldwide in 2014 Life Non-life Total direct insurance (CHF billion) Reinsurance* Overall total in CHF billion Breakdown in percent Schweiz Ausland Total 32,6 40,4 73,0 26,2 37,4 63,6 58,8 77,8 136,6 2,4 49,0 51,4 61,2 126,8 188,0 32,5 % 67,5 % 100 % * Swiss Insurance Association (SVV) estimate Premium volumes for the 10 largest Swiss private insurers worldwide 2014 (CHF billion, gross premium) Zurich Swiss Re Swiss Life AXA Winterthur Bâloise Helvetia Allianz Suisse Die Mobiliar Generali Schweiz Catlin Re Schweiz Gesamt 4,7 65,5 0,7 30,8 10,1 19,1 11,7 11,7 4,5 9,3 4,5 7,6 3,8 3,8 3,5 3,5 2,2 2,2 0,2 1,9 Source: 2014 Annual Reports Facts and Figures 2016 ASA SVV
9 Nothing happens without insurance The insurance industry is a main pillar of the economy. 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. Insurance companies are major taxpayers, they build homes and issue mortgages. The insurance industry offers attractive jobs and innovative vocational training opportunities.
10 11 Economic performance of the insurance sector Direct gross added value created by insurance companies (CHF billion) Life insurance Non-life insurance Reinsurance Gross added value created by private insurers ,7 9,6 6,6 19,9 Related services (e.g. brokerage) Pension funds, SUVA, mandatory health insurance providers Gross added value created by the insurance industry 2,0 4,7 26,6 Added value created in other industries Total added value created by the insurance industry 6,4 33,0 Fiscal effects of the insurance industry Industry-specific taxes (CHF billion) Direct effects Effects on other industries Total tax revenue generated by the insurance industry ,5 0,7 5,2 These data do not reflect VAT, withholding taxes or stamp duties. Source: BAK Basel Facts and Figures 2016 ASA SVV
11 12 Life and non-life business in Switzerland Premium income (CHF million) 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 Total premium income * including health insurers ASA SVV Facts and Figures 2016
12 Life and non-life business in Switzerland 13 Claims paid (CHF million) 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 Total claims paid * including health insurers Facts and Figures 2016 ASA SVV
13 14 Life insurance business in Switzerland Premium income Total (CHF million) Group life insurance Conventional single life insurance Unit-linked life insurance Other Total premium income Group life insurance (CHF million) Occupational pension provision Other group life insurance Total Group life insurance share of single premiums Conventional single life insurance Endowments Annuities Incapacity to work and disability Other single life insurance Total convent. single life insurance share of single premiums ASA SVV Facts and Figures 2016
14 Life insurance business in Switzerland 15 Unit-linked life insurance (CHF million) Unit-linked endowment insurance Unit-linked annuity insurance Endowment insurance linked to other reference values Annuity insurance linked to other reference values Total unit-linke life insurance Share of single premiums Claims paid Total (CHF million) Group life insurance Conventional single life insurance Unit-linked life insurance Other Total claims paid Facts and Figures 2016 ASA SVV
15 16 Life insurance business in Switzerland Group life insurance (CHF million) Occupational pension provision Other group life insurance Total group life insurance Conventional single life insurance (CHF million) Endowments Annuities Incapacity to work and disability Other single life insurance Total conventional single life insurance Unit-linked life insurance (CHF million) Unit-linked endowment insurance Unit-linked annuity insurance Endowment insurance linked to other reference values Annuity insurance linked to other reference values Total unit-linked life insurance ASA SVV Facts and Figures 2016
16 Life insurance business in Switzerland 17 Other key figures Sums insured and annuities (CHF million) 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 sums insured and annuities Insured persons (policy volume, CHF million) Occupational pension provision Other group life insurance Single life insurance Endowments Single life insurance Annuities Other single life insurance Unit-linked life insurance Other Total insured persons Facts and Figures 2016 ASA SVV
17 18 Life insurance business in Switzerland Premium reserves Occupational pension provision Other group life insurance Single life insurance Endowments Single life insurance Annuities Other single life insurance Unit-linked life insurance Other With-profits bonuses paid Occupational pension provision Other Swiss business ASA SVV Facts and Figures 2016
18 19 Non-life insurance business in Switzerland 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 Automobile passenger accident insurance Other group accident insurance * including health insurers Facts and Figures 2016 ASA SVV
19 20 Non-life insurance business in Switzerland Health insurance* Voluntary individual health insurance Group health insurance Liability and motor insurance Motor liability insurance Other motor insurance types Motor insurance, total Ocean marine, aviation, transport insurance General and occupational liability insurance *including health insurers ASA SVV Facts and Figures 2016
20 Non-life insurance business in Switzerland 21 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 Facts and Figures 2016 ASA SVV
21 22 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 Automobile passenger accident insurance Other group accident insurance * including health insurers ASA SVV Facts and Figures 2016
22 Non-life insurance business in Switzerland 23 Health insurance* Voluntary individual health insurance Group health insurance Liability and motor insurance Motor liability insurance Other motor insurance types Motor insurance, total Ocean marine, aviation, transport insurance General and occupational liability insurance * including health insurers Facts and Figures 2016 ASA SVV
23 24 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 ASA SVV Facts and Figures 2016
24 25 Inwards reinsurance business Premium income Total inwards reinsurance business* Life business Non-life busines Payments for insurance claims Total inwards reinsurance business* Life business Non-life business *Source: Restated by Swiss Financial Market Supervisory Authority (Finma) 2015 Facts and Figures 2016 ASA SVV
25 26 Reinsurance Premium income Total Life business Non-life business Retroceded portion Total net in CHF million Life business Single life insurance (Endowments) Single life insurance (Annuities) Group life insurance Unit-linked life insurance ASA SVV Facts and Figures 2016
26 Reinsurance 27 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 Total Life business Non-life business Retrocessions Total net in CHF million Facts and Figures 2016 ASA SVV
27 28 Reinsurance Life business Single life insurance (Endowments) Single life insurance (Annuities) 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 ASA SVV Facts and Figures 2016
28 29 Assets including capital investments Total Life Non-life Reinsurance Direct income from investments Direct revenues Realised gains Unrealised gains Facts and Figures 2016 ASA SVV
29 30 Assets including capital investments Breakdown 2014 Fixed-interest securities Equity holdings Land, 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 Life Non-life Re Total 185,2 56,0 38,4 279,5 5,0 34,9 17,3 57,2 63,1 11,4 1,0 75,5 22,4 15,7 16,4 54,5 8,5 3,8 2,7 14,9 1,6 2,7 2,6 7,0 17,7 0,0 0,0 17,7 11,3 6,2 2,2 19,7 11,2 16,5 6,7 34,4 326,0 147,1 87,2 560,3 11,6 19,6 57,7 89,0 337,6 166,8 144,9 649,3 ASA SVV Facts and Figures 2016
30 Swiss Insurance Association SIA Conrad-Ferdinand-Meyer-Strasse 14 P. O. Box CH-8022 Zurich Tel Fax
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