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health insurance

Health insurance improves their result by 5%.

The growth of the bouquet, which managed more than 11 million policyholders, is key to its evolution in 2016
The past 2016 closed with significant benefits for the health insurance industry. Thus the figures Tuesday tabled by cooperative research of insurance entities (ICEA) next to the business insurance Association (Unespa), which speak of a growth in the health insurance of 5.1 per cent, which had not been achieved in this decade, in whichthe improvements reflect it annual not habina arrived to four percent.

In particular, last year were 7.734 billion euros thanks to this sector, which surpassedthe 11 million policyholders. As highlighted by Pilar González de Frutos, President of Unespa, 2016 has been especially important to the field of health, whose growth, along with the of the automobile sector, is key to good data that has obtained the  health insurance in the past 12 months.

Under the name insurance prospects and the economy for 2017 have been made public statistics on the evolution of the health insurance premiums and the benefits obtained in 2016. Health data indicate that while in 2015 the estimated volume of premiums was 7.361 billion euros, last year this figure amounted to 7.734, being the secondmost important growth within the field of premiums from nonlife, which grew by 4.49 percent in 2016.

health insurance

health insurance

 

Subsidies, most in the health insurance

Evolution methods, data are also positive in the three branches of health, because health insurance grew by 4.70 percent, the refund by 6.29 percent and the subsidy attained a growth of 11.51 percent, the largest within the branch of health.

“The evolution of health insurance is more positive than any of the other sections of nonlife:more, grow faster during the entire period of crisis. This is because it has been taking one growing share, has increased by more than five points in recent years. Health insurance is basically the form of health care, that is around 90 percent, and will continue to be the fundamental pillar“, explained Javier Murillo, managing director of Segurcaixa Adeslas.

According to their exposure, the collective segment has been the great engine of growth in the sector in recent years, with significant increase in premiums and in the number of insured persons. On the other side are officials sector, representing almost20 per cent of the volume of health insurance  premiums. Although its evolution is not especially bright, expected a 2017 without rising prices, and explains that the future depends on under what conditions it can renew the current contract for 2018.

In addition, Murillo highlights three trends in your field: a structural increase in health care costs against the deterioration of the ability of Governments to finance them,a change in now more informed and demanding customers, and an evolution in theprivate health, which already represents a third of the beds in Spain and 28 percentof the total health expenditure.

health insurance

health insurance

“The  health insurance sector was 11.8 per cent of the financial savings of households in 2016″, said José Boada, President of ICEA in his inauguration speech. In this line has been also fruit Gonzalez, who described the 2016 as a historical exercise, with a set ofpremium invoiced 63.827 million euros, a 12.2 percent increase over the previous year. This, in their view, demonstrates that the society demands solutions that  health insurance is able to give.

 

Health insurance and car lines have shown a more remarkable growth, and they areresponsible for the good figures, but there is scope for growth. Even the oldest exercises ratios are not reached. Regarding profitability, life insurance could have initiated recovery in 2016. The coming year will be those of innovation, also in these respects”, said Gonzalez of fruits.
According to his words, the savings in life insurance products exceeded 177.000 million, representing an annual increase of 5.98 percent. This reflected a rise of individual incomes, five to eight percent of the disposable income of households, but the worst news is the weakness of the collective products. health insurance is advancing but not to the extent that should be according to what society needs. This society does not increase their saving habits when you should do it. We must seriously considerthe needs of an ageing population”, said the President of Unespa.

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