Insurance EuropeInsurance Europe
Health

Health systems should continue to be regulated at national level

EU member states are responsible for the organisation of their healthcare systems. Nevertheless, legislative developments at European level can have a significant direct or indirect impact on private health insurers with a significant direct or indirect impact on private health insurers, such as in their use of genetic information, for example. 

There is continued scrutiny about the use of genetic information by health insurers in the EU, even though insurers generally do not use or ask for predictive genetic test results, except in very specific cases that are defined and regulated at national level.

Insurance Europe believes that it would be difficult for any EU-level regulation on the use of genetic information — or indeed of many other health-related issues — to capture the existing diversity in national markets.

Related statistics
Health claims
TotalHealth claims paidGrowth rate, %
200773
2008775.6
2009826.1
2010853.8
2011895.1
201286-3.6
2013949.3
2014950.8
2015994.7
Colour#f78f1e#000000
url/node/4321/node/4321
Candlestick

Hover over the bars for each data point, or click on a bar to see health claims by country data.

Notes:
Nominal growth at constant exchange rates
For BG, in 2012, as a consequence of new legislation, the government started the re-licensing of the companies operating in voluntary health insurance
For FI, the figures show gross claims expenditure (ie claims paid + change in the provision for claims)
For GR and the UK, 2013 figures are preliminary
For HU, the figures are from the national supervisor
For SI, only SZZ member companies. Branches are excluded

​Size of the sample (as % of total premiums): 97.2%

Health premiums
TotalHealth premiumsGrowth rate, %
2004610.0
2005644.8
20069141.9
2007943.8
20081027.6
20091052.9
20101105.1
20111144.1
20121150.4
20131193.4
20141201.5
20151253.5
Colour#f78f1e#000000
url/node/4231/node/4231
Candlestick

Hover over the bars for each data point, or click on a bar to see health premiums by country data.

Notes:
Nominal growth at constant exchange rates
For BG, in 2012, as a consequence of new legislation, the government started the re-licensing of the companies operating in voluntary health insurance
For MT, total premiums written are for both accident and health insurance 
For NL, the sharp growth in 2006 is mainly due to the privatisation of the healthcare system
For SE, Sweden’s health insurance premiums were negative in 2013 due to a SEK 11bn (€1.2bn) pay-out by AFA Insurance, owned by the organisations involved in Sweden’s labour market, to its policyholders
For SI, only SZZ member companies. Branches are excluded
Size of the sample (as % of total premiums): 98.7%

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Contacts
Lamprini Gyftokosta
Lamprini Gyftokosta
Policy advisor
Nicolas Jeanmart
Nicolas Jeanmart
Head of personal insurance, general insurance & macroeconomics