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Analysis of the Insurance Market in the Netherlands 2019

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Analysis of the Insurance Market in the Netherlands 2019 Analysis of the insurance market in the Netherlands 2019 December 2020 _____ kpmg.nl General notes to the This document comprises an analysis of the insurance market in the Netherlands conducted by analysis of the insurance KPMG Financial Services. market in the Netherlands The data published by DNB on 30 September 2020 served as input for the analysis. The DNB data comprise the QRT statements of all insurers in the Netherlands supervised by DNB for the years 2016-2019. Reader’s guide for SCR calculations Below you will find information on the SCR calculations. The following calculations were used: — Market risk, counterparty default risk, life, health or non- Contact life underwriting risk, intangible asset risk divided by the BSCR -/- diversification (100%) — Diversification divided by the BSCR -/- diversification If you have any questions about the analysis or would like to (100%) receive a personalised version, please contact — Operational risk divided by the SCR (100%) Ton Reijns (email: [email protected]). — LACDT divided by the BSCR plus operational risk Appendices: I. Our support II. Antitrust, confidentiality and conflicts of interests © 2020 KPMG Advisory N.V. All rights reserved. Analysis of the insurance market in the Netherlands in 2019 | 2 Contents 1. Key trends 4 2. Overview of the insurance market in the Netherlands 5 3. The non-life insurance market in the Netherlands 7 4. The life insurance market in the Netherlands 11 5. The health insurance market in the Netherlands 18 6. Outlook to the future 24 © 2020 KPMG Advisory N.V. All rights reserved. Analysis of the insurance market in the Netherlands in 2019 | 3 Key trends Insurance market - Life Non-life Health general — The number of insurers supervised — Limited changes in numbers of — Limited change in numbers of — Limited changes in players and by DNB in the Netherlands players. players. their market share within the health continues to fall. insurance market. — Nationale-Nederlanden — Nationale-Nederlanden — A further increase in the premium Schadeverzekering Maatschappij Schadeverzekering Maatschappij — Both gross premiums and gross volume across all segments is N.V. enhanced its 2019 market N.V. enhanced its 2019 market claims show a further increase in visible in 2019. A break with past share with the legal merger of share with the legal merger of 2019. trends for Life - given the decline Delta Lloyd Schadeverzekering Delta Lloyd Schadeverzekering — In 2019, insurers used a larger part in recent years - due to a one-off N.V., which has further increased N.V. and further strengthens this (compared to 2018) of their buy-out deal at NN market concentration. position with the acquisition of reserves to limit premium Levensverzekeringen. VIVAT Schadeverzekeringen N.V. — The total net result for 2019 in 2020. increases in 2020. decreased by 6.4% — Affordability of healthcare remains (EUR -/- 211 million) compared to — Premiums show a limited increase a continuous area of attention for 2018. and the cost of claims are stable in 2019. health insurers, healthcare — Compared to 2018, premium providers and the Dutch income increases by EUR 441 — The CoR of the non-life market government. million, and payments decrease by amounts to 83.7% for 2019. — The COVID-19 pandemic is EUR 349 million. — As a result of the COVID-19 expected to increase gross pandemic, non-life insurers are premiums & gross claims in future expected to face a higher cost of years. claims for income insurance and a lower cost of claims for P&C. © 2020 KPMG Advisory N.V. All rights reserved. Key trends | 4 Number of insurers supervised by DNB The decline in the number of insurers under Table 1.1 Development of number of insurance entities under DNB supervision DNB supervision is continuing. 140 130 — The trend of consolidation within the insurance market continued in the past year. 120 33 28 — A total decrease by eight insurance entities, including Delta Lloyd 110 28 Leven and Delta Lloyd Schade, which have legally merged with 26 NN Leven and NN Schade, respectively. Loyalis was taken over 100 by ASR, which was followed by a legal merger. 90 31 30 — In addition to the decrease in the number of insurers with a Number of supervised insurers 27 licence, a new insurer also entered the Dutch market: Lemonade 80 24 Insurance. 70 60 50 40 73 73 69 66 30 20 10 0 2016 2017 2018 2019 Sector Non-life Life Health © 2020 KPMG Advisory N.V. All rights reserved. Overview of the insurance market in the Netherlands | 5 Scope of the market in millions of euros across the different segments New increase in Table 1.2 Premium development per segment 2016-2019 premiums Health Life Non-life — The upward trend in premium 50.000 48.251 development at Health and Non-Life 46.364 is also visible in the 2019 figures. 45.000 43.572 42.576 — Within Life, a break with past trends is visible in the decrease in premium 40.000 volume. This was caused by a buy- out deal in 2019 at Nationale- Nederlanden in the amount of Gross premiums (in EURM) 35.000 approx. EUR 800 million. Corrected for this development, the premium decreases by approx. EUR 360 30.000 million compared to 2018. 25.000 20.000 14.950 13.729 13.722 14.311 15.000 12.969 13.489 11.967 12.408 10.000 5.000 0 2016 2017 2018 2019 2016 2017 2018 2019 2016 2017 2018 2019 © 2020 KPMG Advisory N.V. All rights reserved. Overview of the insurance market in the Netherlands | 6 The non-life insurance market in the Netherlands Individual players Achmea remains market leader in non-life Figure 2.1 Market share of non-life insurers based on gross premium insurance in 2019 — Achmea remains market leader with 22.3% (2018: 23.2%), in front of ASR with 15.7% (2018: 16.2%) en NN (incl. DL) with UVM 15.3% (2018: 10.0%, excl. DL). — The three major non-life insurers hold just over 50% of the N.V. market and the remainder is divided among the slightly more Vivat ASR Schadeverzekering N.V. than sixty other insurers. Schade- verzekeringen 2.479M N.V. — Outlook 2020: NN's market share continues to grow – from 15.7% 10.0% in 2018 to 15.3% in 2019, further increasing in 2020 due Movir to the take-over in 2020 of VIVAT Schade (4.9%) and the legal N.V. Univé N.V. merger with MOVIR (1.8%). Schade Achmea Schadeverzekeringen N.V. TVM 3.526M 22.3% Goudse AEGON Nationale-Nederlanden Schadeverzekering Maatschappij N.V. 2.418M 15.3% © 2020 KPMG Advisory N.V. All rights reserved. The non-life insurance market in the Netherlands | 8 Premiums, claims and result Premiums, claims and Table 2.1 Premiums, claims and result* result* 2016 2017 2018 2019 — Premiums and claims increase 16.000 14.950 slightly in 2019, but the net result 14.31 in 2019 falls. 13.72 1 Euro Euro (in M) 2 14.000 13.489 — The non-life insurance market is saturated and there is fierce competition. 12.000 — The limited increase in premiums can be explained mainly by limited 10.000 9.513 9.592 9.537 growth in the market and by 9.241 offering cover for higher cost of claims (e.g. rising personal injury claims, increased complexity of 8.000 claims due to new technologies, and more complex risks). 6.000 — Outlook 2020: Due to COVID-19, it is expected that the results for P&C (vehicle/third-party liability) 4.000 will be more favourable than in previous years, while the results for Income (sickness absence and 2.000 invalidity) will be less favourable. 781 992 443 485 * Result defined as underwriting result as well as the result from investments 0 Gross premiums Gross claims Net result © 2020 KPMG Advisory N.V. All rights reserved. The non-life insurance market in the Netherlands | 9 Combined ratio Table 2.2 Combined ratio of non-life insurers Combined ratio* Nationale-Nederlanden VIVAT Achmea ASR Schadeverzekering Schadeverzekeringen — The combined ratio in 2019 is lower than in 2018 due Schadeverzekeringen N.V. Schadeverzekering N.V. N.V. Univé Schade Maatschappij N.V. N.V. to more favourable claims and expense ratios; there were no (very) major damage events in 2019, while 110 2018 was affected by the January storm. Ratio Ratio (%) 100 — Insurers are taking measures to control the claims and expense ratios, including increased attention to 41,9 90 prevention, greater use of data analyses and cost- 28,3 31,8 saving processes (fewer employees and increased 37,6 25,4 31,6 34,1 37,1 use of IT/robots, STP, etc.). 25,3 25,7 29,8 31 80 25,4 26,2 27,1 25 25,1 25,6 25,1 35,2 — Outlook 2020: Storms Ciara and Dennis in 2020 are 70 expected to have a (limited) negative impact on the 2020 combined ratio. 60 * Combined ratio: The combined ratio is expressed as a percentage of the gross premiums compared to the (gross) claim-related losses and operational costs. Effects of reinsurance and changes/withdrawals in 50 technical provisions are not included. 40 100 73,1 71,3 72 67,9 68,9 70,1 68,1 65,6 67,5 67,3 65,8 66,7 65,7 67 65,2 66,9 65,5 65,9 80 64,7 28,6 60,6 Ratio (%) 30 27,5 27,2 26,2 60 20 40 62 59,4 58,5 57,5 10 20 0 0 2016 2017 2018 2019 2016 2017 2018 2019 2016 2017 2018 2019 2016 2017 2018 2019 2016 2017 2018 2019 2016 2017 2018 2019 © 2020 KPMG Advisory N.V.
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