Reportlinker Adds Insurance and Assistance linked to Payment Cards and Bank Accounts in Major Global Markets

Dec 09, 2010, 14:11 ET from Reportlinker

NEW YORK, Dec. 9, 2010 /PRNewswire/ -- Reportlinker.com announces that a new market research report is available in its catalogue:

Insurance and Assistance linked to Payment Cards and Bank Accounts in Major Global Markets

http://www.reportlinker.com/p0337963/Insurance-and-Assistance-linked-to-Payment-Cards-and-Bank-Accounts-in-Major-Global-Markets.html

Finaccord's report titled Insurance and Assistance linked to Payment Cards and Bank Accounts in Major Global Markets is the first comprehensive study of the packaged insurance and assistance markets in ten countries, namely Australia, Brazil, Canada, China, India, Japan, Russia, South Africa, South Korea and the US. The research indicates that the combined market across these countries, which is composed of a series of niche covers designed to enhance the revenues derived by banks and other payment card issuers from their everyday operations, will have generated approximately USD 14.9 billion in gross written premiums and other revenues in 2010. Moreover, with insurance and assistance providers showing creativity in structuring new types of policy to cater for emerging customer segments, this sector appears to be destined for continuing growth.

The report, along with its accompanying PartnerBASE™ dataset, harnesses the results of extensive primary research that covers over 5,600 payment card and bank account products issued by over 400 banks and other organisations across the ten countries. Finaccord's research focuses on 28 specific types of insurance and assistance enhancements, grouped within six broad categories of cover, namely card and cash protection, concierge services, creditor, accident and health, shopping, travel and 'other' miscellaneous covers. In total, the research details over 14,300 individual covers, thereby documenting the active partnerships of almost 300 providers of packaged insurance and assistance, ranging from global insurance brands to local insurance and assistance companies.

Indeed, specific policy types investigated include each of the following:

- card and cash protection policies: card protection insurance, ATM cash theft insurance;

- travel policies: travel accident insurance, travel health insurance, travel assistance, travel inconvenience insurance, comprehensive travel insurance;

- creditor, accident and health policies: creditor insurance - life / permanent disability, creditor insurance - temporary incapacity / unemployment, personal accident insurance, accidental death insurance, health and hospital cash plans, health assistance;

- shopping policies: purchase protection insurance, price protection insurance, extended warranty;

- other policies: road assistance, home assistance, personal liability insurance, legal expenses insurance and assistance, mobile telephone insurance, identity protection insurance and assistance, car hire insurance, corporate liability waiver insurance, Internet delivery / purchase insurance, missed event insurance, and miscellaneous other insurance.

Hence, this report and the PartnerBASE™ that accompanies it can be used in one or more of the following ways:

- to evaluate the magnitude of the opportunity represented by insurance and assistance linked to payment cards and bank accounts across these ten countries.

- to gain access to a single comprehensive source of information that provides both the detail and contextual analysis for over 14,300 individual insurance and assistance enhancements;

- to identify opportunities to develop new forms of insurance and assistance linked to payment cards and bank accounts in line with the marketing strategies of banks and other payment card issuers across these ten major global markets;

- to understand the supply structure for insurance and assistance enhancements and learn how the market segments between international specialists, local providers and captive underwriters;

- to gain insight into the international presence of leading protagonists in this sector, including ACE, Allianz, Assurant, Aviva, AXA, Chartis, Chubb, Generali, International SOS and Zurich.

TABLE OF CONTENTS

0.0 EXECUTIVE SUMMARY ... 1

Packaged insurance and assistance is a highly valuable yet largely uncharted area… .. 1

… and is worth an estimated USD 14.9 billion across the ten diverse markets covered by this report. ... 1

In terms of credit card issuance, China and Russia display the highest levels of growth… . 2

… whilst comprehensive travel insurance is the most widely packaged specific type of cover. ... 2

Out of 288 active providers, 12 groups can be said to have a truly global presence in this field… . 3

… and centralised partnerships with card networks are particularly significant in Brazil and the US. .. 3

1.0 INTRODUCTION ... 4

Rationale 4

Mainstream bancassurance is already a well-documented subject… ... 4

… but this is the first dedicated study of global packaged insurance and assistance markets. 4

Methodology .. 5

The research details over 14,300 individual covers packaged with over 5,600 products… . 5

… and reveals 288 providers as partnering with over 400 banks and other payment card issuers. 6

Summary of products analysed .. 7

Credit card products account for 93.8% of all products documented by the research… . 7

… whilst the product segmentation by type, level and target varies widely between countries. ... 9

Definitions of specific types of insurance and assistance ... 12

PartnerBASE™ 15

Finaccord . 16

2.0 GLOBAL OVERVIEW . 18

Introduction .. 18

Payment card market trends . 18

Debit cards 18

China's debit card adoption ranks first in absolute terms and fourth on a per capita basis… 18

… whilst India, South Africa and South Korea exhibit the levels highest levels of growth… .. 19

… and the economic crisis boosts debit card numbers in several countries, including the US. . 22

Credit and other pay later cards . 24

Whilst the number of credit cards in circulation in the US still dwarfs that of other markets… ... 24

… the actual number of US credit cards in issue is declining at around 6.8% annually… . 24

… and, relative to GDP per capita, Brazil has a particularly high rate of credit card adoption. ... 27

Global provision of packaged insurance and assistance covers 29

With an average of 4.78 covers per product, Canada has the highest overall level of provision… ... 29

… and relatively low penetration in South Korea is partly due to the influence of loyalty schemes. ... 29

Broad types of insurance and assistance cover .. 30

The creditor, accident and health category is relatively strong in India and South Africa… ... 30

… whilst four countries stand out as having a large proportion of shopping-related policies… . 31

… and the diverse US market contains the highest incidence of 'other' types of cover. . 31

Specific types of insurance and assistance cover ... 32

Concierge services ... 32

Concierge services: penetration rates and quality of service vary widely between countries. 32

Card / cash protection ... 33

Card protection insurance: very common in Brazil, but completely absent from three countries. ... 33

ATM / cash theft insurance: present in three markets and often underwritten on a captive basis. . 34

Travel . 35

Travel accident insurance: present on over 40% of products in South Korea and almost a quarter in the US. .. 35

Travel health insurance: excluding Russia, virtually non-existent when offered as a single element of cover. .. 36

Travel assistance: included separately on over 500 products across nine countries, and with 21 providers. 37

Travel inconvenience insurance: features on almost one in ten Indian products, but otherwise marginal.

38

Travel insurance - comprehensive: the most valuable and widely packaged type of travel cover. . 39

Creditor / accident / health .. 40

Creditor insurance - life / permanent disability: a majority of US policies are provided as internal DCAs. .

40

Creditor insurance - temporary incapacity / unemployment: present in eight of the ten markets. .. 41

Personal accident insurance: offered by every type of South Korean payment card issuer. .. 42

Accidental death insurance: commonplace within Brazilian and Indian product ranges. 43

Health / hospital cash plans: available with more than one in five products analysed in India. ... 44

Health assistance: an AXA Group subsidiary benefits from two key payment network contracts. . 45

Shopping ... 46

Purchase protection insurance: present on nearly two thirds of products in Canada and over 20% globally . .. 46

Price protection insurance: limited penetration, and usually linked to other shopping covers. 47

Extended warranty: included with close to a half of all products analysed in the US... 48

Other .. 49

Road assistance: the Chinese market has 13 providers, including both local and global brands. . 49

Home assistance: typically provided as one element within a broader assistance package in Brazil 50

Personal liability insurance: marginally present in India, Japan and the US only. ... 51

Legal expenses insurance / assistance: Chinese banks often collaborate with individual law firms. . 52

Mobile telephone insurance: present in six markets, but with only very low penetration rates. .. 53

Identity protection insurance / assistance: very common in the US and Canada but unknown in five markets. .. 54

Car hire insurance: four major insurance groups dominate the key North American markets. ... 55

Corporate liability waiver insurance: included on over 40% of business products in Australia. .. 56

Internet delivery / purchase insurance: specific cover only found to exist in Japan and India. 57

Missed event insurance: very rare, but a feature on certain American Express card products. . 58

Miscellaneous other insurance: 27 different types of niche cover, with dramatic regional variations. 59

Operating models 60

South Africa has the highest proportion of captive partnerships… .. 60

… whilst the landscape of India's insurance sector promotes the joint venture model… ... 61

… and, in Russia's young market, three operating models account for virtually all covers. 61

Estimated market sizes ... 62

Gross written premiums and other revenues 62

The US dominates in terms of absolute value of gross written premiums and other revenues… . 63

… whilst Canada's packaged market generates the highest premiums per capita… 63

… and, per credit card in circulation, the Australian market generates the most revenue. . 65

Market segmentation by type of cover ... 67

Overall, policies within the creditor, accident and health category generate the most income… .. 67

… with the internal segmentation of premiums varying widely between different countries… ... 68

… and the sheer size and makeup of the US market affects specific premium distribution globally. . 69

Leading global competitors ... 71

The research identifies almost 300 providers, representing 195 parent companies and groups… ... 71

… most of which are only active in one country… 71

… whereas 12 groups have a truly international presence in packaged insurance and assistance. . 71

3.0 AUSTRALIA . 72

Introduction to Australia's banking and payment card sectors 72

Australia benefits from having a stable and modern retail banking system… . 72

… but the market for payment cards is becoming increasingly dominated by debit cards. . 72

Insurance and assistance linked to payment cards and bank accounts in Australia . 74

Overview of payment card and bank account products analysed ... 74

Insurance and assistance enhancements are typically only present with credit card products… . 74

… where major airlines Qantas and Singapore Airlines dominate the co-branding landscape. . 74

Broad types of insurance and assistance cover ... 75

Creditor, accident and health-related policies are strong, representing almost 40% of all covers… . 75

… whereas the travel-related category is surprisingly weak, ranking only fourth. 75

Specific types of insurance and assistance cover 76

Creditor insurance leads the market with a penetration rate of close to two thirds… . 76

… whilst purchase protection and comprehensive travel insurance also prove popular. 76

Operating models . 78

Overall, nearly two thirds of all covers are provided using the single partner model… .. 78

… but several banks, including the 'four pillars', make use of captive partners for creditor insurance. .. 78

Competitor share of partnerships ... 80

Captive insurers dominate the provision of certain types of policy… ... 80

… whereas leading external partners Zurich and ACE have forged numerous key partnerships. . 80

Market size 84

Over half of all gross written premiums are generated from creditor, accident and health policies… ... 84

… whilst travel-related covers represent a relatively low proportion of the market by value. .. 84

4.0 BRAZIL . 85

Introduction to Brazil's banking and payment card sectors . 85

The number of credit cards in circulation is rising at around 18.0% annually… .. 85

… and both the volume and value of debit card transactions are also increasing rapidly. .. 85

Insurance and assistance linked to payment cards and bank accounts in Brazil .. 87

Overview of payment card and bank account products analysed ... 87

Packaged covers exist across all categories of payment card products, including debit and pre-paid… .

87

… and Brazil's important retailer card segment is dominated by four major card issuers. .. 87

Broad types of insurance and assistance cover ... 88

Over 20% of the 3,465 covers identified by the research relate to card and cash protection… 88

… whilst shopping-related policies barely exist in Brazil's broad and diverse packaged market. ... 88

Specific types of insurance and assistance cover 89

Accidental death insurance is either included or available on 29.5% of payment card products… ... 89

… and many domestic covers are often also valid in the neighbouring Mercosul countries. .. 89

Operating models . 91

Captive partnerships account for the provision of over a third of all packaged covers… ... 91

… with the use of captives being particularly strong across creditor, accident and health covers. . 91

Competitor share of partnerships ... 93

Subsidiaries of Itau Unibanco Holding account for over 30% of card and cash protection policies … .. 93

… and specialist providers such as Inter Partner Assistance and Tempo USS are highly visible elsewhere. .. 93

Market size 97

Whilst the creditor, accident and health category accounts for almost a half of the market by value... .. 97

… in Brazil's diverse market, 'other' types of packaged cover generate one fifth of total revenues. .. 97

5.0 CANADA .. 98

Introduction to Canada's banking and payment card sectors . 98

The world's most reliable banking system sees a dramatic increase in online servicing… 98

… but change is imminent as MasterCard and Visa prepare to enter the crucial debit card market. . 98

Insurance and assistance linked to payment cards and bank accounts in Canada .. 99

Overview of payment card and bank account products analysed ... 99

Premium bank accounts in Canada do not typically feature any insurance benefits… .. 99

… and the large market for affinity cards is dominated by a small number of card issuers. ... 99

Broad types of insurance and assistance cover . 101

The research identifies over 1,800 packaged covers within Canada's payment card market… . 101

… with over a third of these policies relating to creditor, accident or health insurance. . 101

Specific types of insurance and assistance cover .. 102

almost two thirds of payment card products include purchase protection insurance… 102

… and policies specifically related to road travel also make a significant impact. .. 102

Operating models ... 104

Captive partners are used to provide ten diverse types of insurance and assistance… .. 104

… but captive relationships still only represent 19.1% of all partnerships in Canada. ... 104

Competitor share of partnerships . 106

Canada's market for packaged insurance and assistance has a very large number of players… .. 106

… from which two global insurance groups emerge as being the clear leaders. ... 106

Market size .. 110

Shopping-related policies account for 13.0% of total premiums … ... 110

… but the creditor, accident and health insurance category remains key in the Canadian market. . 110

6.0 CHINA. 111

Introduction to China's banking and payment card sectors .. 111

Restrictions on foreign investment continue to limit the evolution of China's retail banks… 111

… but the number of credit cards in circulation is still growing rapidly. ... 111

Insurance and assistance linked to payment cards and bank accounts in China ... 113

Overview of payment card and bank account products analysed . 113

Consumer credit card products account for the vast majority of the 1,114 products analysed… 113

… and China's market for co-branded and retailer payment cards is particularly well-developed. .. 113

Broad types of insurance and assistance cover . 114

The average Chinese payment card product has 0.64 packaged covers… . 114

… over 50% of these policies relate to travel insurance and assistance benefits. . 114

Specific types of insurance and assistance cover .. 115

Individual penetration rates are generally very low, suggesting there is ample room for growth… . 115

… and three types of packaged cover, including travel accident insurance, are clearly in the lead. 115

Operating models ... 117

Government influence within banking and insurance leads to natural affinities in this market… . 117

… and partnerships are generally straightforward, with over 70% involving a single external partner. 117

Competitor share of partnerships . 119

Ping An and PICC are the two leading providers in the important travel-related category… ... 119

… with AA China and various healthcare companies being highly visible in other key areas. . 119

Market size .. 123

The creditor, accident and health category accounts for over 30% of the market… 123

… and gross written premiums from concierge services are not insubstantial. . 123

7.0 INDIA .. 124

Introduction to India's banking and payment card sectors 124

As the Indian economy flourishes, m-commerce is the key vehicle for driving financial inclusion… ... 124

… and the total number of payment cards in circulation is rising at around 26.5% annually. ... 124

Insurance and assistance linked to payment cards and bank accounts in India . 126

Overview of payment card and bank account products analysed . 126

Bank accounts featuring insurance and assistance benefits are commonplace in India… .. 126

… with credit, debit and pre-paid card products all contributing to the packaged insurance market. ... 126

Broad types of insurance and assistance cover . 127

Policies within the creditor, accident and health category account for over half of all covers … .. 127

… and travel policies represent almost 8% of the 637 separate covers identified by the research. . 127

Specific types of insurance and assistance cover .. 128

With a penetration rate of 56.5%, accidental death insurance is the most common type of cover… .. 128

Operating models ... 130

Joint venture partnerships account for the provision of around a fifth of all packaged covers… ...

.. 130

… reflecting the importance of joint ventures within India's insurance sector as a whole. 130

Competitor share of partnerships . 132

ICICI Lombard is prominent in several key areas including creditor, accident and health… ... 132

… and the state-owned insurers well over a third of all shopping-related covers. . 132

Market size .. 136

Around three quarters of all gross written premiums stem from creditor, accident and health policies… .

.. 136

… with card and cash protection insurance being another key area in this market. .. 136

8.0 JAPAN 137

Introduction to Japan's banking and payment card sectors .. 137

Japanese retail banks are now permitted to sell a full range of insurance products… . 137

… and levels of both credit and debit card adoption rank among the highest in the world. .. 137

Insurance and assistance linked to payment cards and bank accounts in Japan ... 139

Overview of payment card and bank account products analysed . 139

The use of multi-function cards and contactless technology is widespread in Japan … .. 139

… where co-branded and retailer payment card products exist in huge numbers. ... 139

Broad types of insurance and assistance cover . 140

The average payment card product in Japan features 2.26 packaged covers… . 140

… of which travel-related insurance and assistance policies are the most common. 140

Specific types of insurance and assistance cover .. 141

In what is a polarised market, comprehensive travel insurance features on 63.3% of products… .. 141

… and several highly specialised types of niche insurance cover are making an impact. 141

Operating models ... 143

Single partner relationships account for 54.3% of all partnerships in the Japanese market… 143

… but more complex, hybrid operating models are often used for certain types of cover. 143

Competitor share of partnerships . 145

Insurance groups NKSJ Holdings and Tokio Marine Holdings are strong in several key areas… .. 145

… and recently-formed MS&AD Insurance Group holds over 20% of all travel-related partnerships. . 145

Market size .. 149

Travel-related insurance and assistance generate around one third of all premiums… .. 149

… whilst card protection is an important revenue stream for Japanese insurers... 149

9.0 RUSSIA .. 150

Introduction to Russia's banking and payment card sectors . 150

Retail banking services in Russia are still underused by many of the population… . 150

… but the market for payment cards is growing rapidly... 150

Insurance and assistance linked to payment cards and bank accounts in Russia .. 152

Overview of payment card and bank account products analysed . 152

Whilst affinity and retailer payment cards are largely absent from the Russian market… ... 152

… a significant proportion of payment card products are targeted at premium customers. .. 152

Broad types of insurance and assistance cover . 153

Travel-related policies are the most commonly-packaged type of cover… ... 153

… but concierge services are making a substantial early impact on the market. .. 153

Specific types of insurance and assistance cover .. 154

Some of the traditional types of insurance are far more present than others… 154

… and there is a general absence of the more specialised types of cover. ... 154

Operating models ... 156

Partnerships and operating models are generally straightforward… . 156

… but the presence of captive partners is strong across many areas. ... 156

Competitor share of partnerships . 158

Captive insurers such as Alfa Insurance and Raiffeisen Life perform strongly… . 158

… as do some external partners like Allianz, Chartis and International SOS. ... 158

Market size .. 162

Whilst the majority of Russian premiums are generated by two major types of policy… . 162

… concierge services account for over 12% of the market by value. . 162

10.0 SOUTH AFRICA .. 163

Introduction to South Africa's banking and payment card sectors 163

The number of Mzansi accounts now exceeds 6.0 million, but 60.2% of adults remain unbanked… . 163

… and, whilst the number of credit cards in circulation is rising, their actual usage is in decline. . 163

Insurance and assistance linked to payment cards and bank accounts in South Africa . 165

Overview of payment card and bank account products analysed . 165

In what is a concentrated sector, three bank account products include packaged covers … .. 165

… and the majority of fully-featured retailer cards are issued via mainstream banks. ... 165

Broad types of insurance and assistance cover . 166

The average payment card or bank account product features 2.63 packaged covers… . 166

… with the creditor, accident and health category accounting for well over a half of all policies... 166

Specific types of insurance and assistance cover .. 167

In the South African market, penetration rates for packaged covers are generally quite low … .. 167

… although three types of insurance and assistance are present on over 70% of products. ... 167

Operating models ... 169

Less than four out of ten of all covers are implemented using the single external partner model… 169

… and captive partnerships play a dominant role, especially in relation to creditor insurance. 169

Competitor share of partnerships . 171

Regent Life Insurance is the most visible non-captive underwriter of creditor insurance… . 171

… with Chartis and International SOS accounting for almost three quarters of all travel-related partnerships. . 171

Market size .. 175

Creditor, accident and health covers dominate the South African market by value … . 175

… and travel-related policies generate a similar level of premiums to that of concierge services. ... 175

11.0 SOUTH KOREA .. 176

Introduction to South Korea's banking and payment card sectors ... 176

With 4.48 cards per capita, South Korea's payment card landscape is highly evolved… 176

… featuring complex co-branding strategies and a rapidly increasing number of cheque cards. . 176

Insurance and assistance linked to payment cards and bank accounts in South Korea 178

Overview of payment card and bank account products analysed . 178

Credit cards dominate the 1,098 products analysed, of which almost 80% are targeted at consumers…

.. 178

… and South Korea's approach to retailer and co-branded cards is both wide and innovative. ... 178

Broad types of insurance and assistance cover . 179

Policies related to creditor, accident and health account for over 40% of all covers… . 179

… and concierge services are an important feature of the packaged market in South Korea. . 179

Specific types of insurance and assistance cover .. 180

Travel accident insurance and concierge services have strong penetration rates… 180

… and common niche covers include face insurance, golf insurance, and women's cancer cover. 180

Operating models ... 182

Overall, almost 10% of all insurance and assistance covers are provided by a captive partner… .. 182

… and concierge services are implemented by a mixture of internal and external providers. .. 182

Competitor share of partnerships . 184

Hyundai Marine & Fire Insurance benefits from its close relationship with BC Card… 184

...whilst Dongbu Insurance and LIG Insurance are highly active within niche insurance areas. ... 184

Market size .. 188

Creditor, accident and health policies account for three quarters of the market by value… 188

… and the provision of concierge services is the market's second largest revenue stream. 188

12.0 UNITED STATES 189

Introduction to the banking and payment card sectors in the US . 189

As the Financial Reform Bill heralds profound changes for consumer finance and lending… 189

… debit cards continue to take full advantage of current social trends and market conditions. 189

Insurance and assistance linked to payment cards and bank accounts in the US .. 191

Overview of payment card and bank account products analysed . 191

Whilst only a small number of bank accounts feature insurance and assistance benefits… ... 191

… the market for retailer and co-branded credit card products is very well-developed . 191

Broad types of insurance and assistance cover . 192

In the US, the average payment card product has 4.59 packaged covers… 192

… and shopping-related policies represent over 20% of these. .. 192

Specific types of insurance and assistance cover .. 193

Identity protection insurance or assistance is a feature on over a half of products… ... 193

… with specific travel-related covers being far more common than comprehensive policies. .. 193

Operating models ... 195

Single partner relationships account for 65% of all partnerships in the US market … .. 195

… and internal debt cancellation agreements limit the need for creditor insurance partners. ... 195

Competitor share of partnerships . 197

Whilst many card issuers either adopt or adapt the card networks' chosen partnerships… 197

… several banks create their own programs with the help of specialist consultants. 197

Market size .. 201

Card protection and concierge services generate only a small part of total market premiums… 201

… whereas certain covers result in the 'other' category holding a share of the market approaching 30%.

LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY ... 1

1.0 INTRODUCTION ... 4

Number of banks and other payment card issuing organisations included in the research, segmented by country 5

Number of payment card and bank account products covered by the research, segmented by country .. 6

Summary of payment card and bank account products analysed across all countries, segmented by category .. 8

Summary of payment card and bank account products analysed across all countries, segmented by category (data) ... 8

Payment card and bank account products covered by the research, segmented by country and by product type . 9

Payment card and bank account products covered by the research, segmented by country and by product target 10

Payment card and bank account products covered by the research, segmented by country and by product level .. 10

Payment card and bank account products covered by the research, segmented by country and by category (data) . 11

2.0 GLOBAL OVERVIEW . 17

Number of debit cards in circulation, segmented by country, 2010e (million) 18

Number of debit cards in circulation, segmented by country, 2006-2010e 19

Number of debit cards in circulation, segmented by country, 2006-2010e (data) . 19

Number of debit cards per capita, segmented by country, 2006-2010e 20

Number of debit cards per capita, segmented by country, 2006-2010e (data) .. 20

Number of debit cards per capita versus GDP per capita, segmented by country, 2010e ... 21

Debit cards as a % of all payment cards, segmented by country, 2006-2010e . 22

Debit cards as a % of all payment cards, segmented by country, 2006-2010e (data) .. 23

Number of credit and other pay later cards in circulation, segmented by country, 2010e (million) ... 24

Number of credit and other pay later cards in circulation, segmented by country, 2006-2010e ... 25

Number of credit and other pay later cards in circulation, segmented by country, 2006-2010e (data) 25

Number of credit and other pay later cards per capita, segmented by country, 2006-2010e ... 26

Number of credit and other pay later cards per capita, segmented by country, 2006-2010e (data) 26

Number of credit and other pay later cards per capita versus GDP per capita, segmented by country, 2010e ... 27

Credit and other pay later cards as a % of all payment cards, segmented by country, 2006-2010e ... 28

Credit and other pay later cards as a % of all payment cards, segmented by country, 2006-2010e (data) 28

Average number of insurance and assistance covers per product analysed, segmented by country, 2010 ...

.. 29

Relative weight of broad types of insurance and assistance cover, segmented by country, 2010 ... 30

Relative weight of broad types of insurance and assistance cover, segmented by country, 2010 (data) 31

) . 31

Penetration rates for concierge services, segmented by country, 2010 . 32

Penetration rates for card protection insurance, segmented by country, 2010 .. 33

Penetration rates for ATM / cash theft insurance, segmented by country, 2010 ... 34

Penetration rates for travel accident insurance, segmented by country, 2010 .. 35

Penetration rates for travel health insurance, segmented by country, 2010 .. 36

Penetration rates for travel assistance, segmented by country, 2010 37

Penetration rates for travel inconvenience insurance, segmented by country, 2010 38

Penetration rates for comprehensive travel insurance, segmented by country, 2010 ... 39

Penetration rates for creditor insurance (life / permanent disability), segmented by country, 2010 . 40

Penetration rates for creditor insurance (temporary incapacity / unemployment), segmented by country, 2010 .. 41

Penetration rates for personal accident insurance, segmented by country, 2010 . 42

Penetration rates for accidental death insurance, segmented by country, 2010 ... 43

Penetration rates for health / hospital cash plans, segmented by country, 2010 ... 44

Penetration rates for health assistance, segmented by country, 2010 ... 45

Penetration rates for purchase protection insurance, segmented by country, 2010 . 46

Penetration rates for price protection insurance, segmented by country, 2010 . 47

Penetration rates for extended warranty, segmented by country, 2010 . 48

Penetration rates for road assistance, segmented by country, 2010 . 49

Penetration rates for home assistance, segmented by country, 2010 ... 50

Penetration rates for personal liability insurance, segmented by country, 2010 51

Penetration rates for legal expenses insurance / assistance, segmented by country, 2010 52

Penetration rates for mobile telephone insurance, segmented by country, 2010 .. 53

Penetration rates for identity protection insurance / assistance, segmented by country, 2010 54

Penetration rates for car hire insurance, segmented by country, 2010 .. 55

Penetration rates for corporate liability waiver insurance, segmented by country, 2010 ... 56

Penetration rates for internet delivery / purchase insurance, segmented by country, 2010 . 57

Penetration rates for missed event insurance, segmented by country, 2010 58

Penetration rates for miscellaneous other insurance, segmented by country, 2010 . 59

Operating models used for the provision of insurance and assistance covers, segmented by country, 2010

.. 60

Operating models used for the provision of insurance and assistance covers, segmented by country, 2010 (data) 61

) . 61

Estimated total gross written premiums and other revenues, segmented by country, 2010e (USD, million) ..

.. 62

Estimated gross written premiums and other revenues per capita, segmented by country, 2010e . 63

Estimated gross written premiums and other revenues per capita versus GDP per capita, segmented by country, 2010e . 64

Estimated gross written premiums and other revenues per credit card, segmented by country, 2010e . 65

Estimated gross written premiums and other revenues per credit card versus GDP per capita, segmented by country, 2010e 66

Estimated total gross written premiums and other revenues, segmented by broad type of cover, 2010e (%)

.. 67

Estimated gross written premiums and other revenues, segmented by country and by broad type of cover, 2010e ... 68

Estimated gross written premiums and other revenues, segmented by country and by broad type of cover, 2010e (data) . 69

Estimated total gross written premiums and other revenues, segmented by specific type of cover, 2010e 70

Global providers of packaged insurance and assistance with a visible presence in three or more of the ten countries, 2010 71

3.0 AUSTRALIA . 72

Number of debit and credit cards in Australia, 2006-2010e 73

Key metrics for debit and credit cards in Australia, 2006-2010e . 73

Summary of payment card and bank account products analysed in Australia, segmented by category, 2010 .. 74

Summary of payment card and bank account products analysed in Australia, segmented by category, 2010 (data) ... 75

Relative weight of insurance and ass

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