Insurance EuropeInsurance Europe
Health

Growing role for health insurers

Private health insurers provide individuals or groups with policies to cover the medical costs of illness or accidents. In some cases, they offer other elements, such as critical illness or disability cover.

The role of private health insurers is becoming ever more significant as a result of Europe’s ageing populations and increasing strains on national healthcare systems. Total European health premiums grew 4.8% to €140bn in 2018.

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, so Insurance Europe monitors and engages in any EU-level developments.

Related statistics
Health claims
Health claims paid, €bnGrowth rate, %
200979.7
201083.83.8
201189.36.2
201286.4-3.6
201394.19.3
201494.70.4
2015100.95.3
2016102.62.6
2017104.42.6
2018108.54.1
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 €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates 
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise 
For national specificities, please, see country breakdown chart
Size of the sample (as % of total premiums): 99.51%

Health premiums
TotalHealth premiums, €bnGrowth rate, %
2009101.6
2010108.45.1
2011113.34.2
2012115.92
2013118.52.6
2014120.21.1
2015125.83.4
2016128.42.9
2017131.53.5
2018137.74.9
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 €-values at current end-of-year exchange rates
Nominal %-growth at constant end-of-year exchange rates
Figures are for Domestic Market (business written on home territory by domestic companies, including subsidiaries + 3rd country branches), unless stated otherwise 
For national specificities, please, see country breakdown chart
Size of the sample (as % of total premiums): 98%

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Nicolas Jeanmart
Nicolas Jeanmart
Head of personal & general insurance
Charles Low
Charles Low
Policy advisor, general insurance